BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Following a recent review of my credit report at the XXXX, XXXX  and TransUnion consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: FM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reported the alleged account several times. I filed a police report as well. The company is constantly contacting me. They will not provide me with a signed application or a photo copy of my identification. Every representative that I have spoken to confirms that there has been several calls from another customer trying to reopen the account. By law I have the right to request certain documents from the creditor who is claiming I owe them debt. Someone used my information without my permission and this bank refuses to accept that they are at fault for this.They also sent me a letter stating they have a {$0.00} fraud liability policy which means I am not responsible for any unauthorized transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( Transunion & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Early Warning Services, LLC
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I began discussions with a XXXX XXXX seller to purchase speakers. I agreed to purchase them and made two transfers to the seller. The first transfer was through XXXX in the amount of {$440.00} on XX/XX/XXXX, and the second transfer was through XXXX XXXX  in the amount of {$440.00} on XX/XX/XXXX. 

Everything was going as planned until XX/XX/XXXX, when the seller stopped communicating with me and did not ship the items as promised. 

I then asked the seller for a refund through XXXX & XXXX XXXX on XX/XX/XXXX. 

The seller did not provide the refund nor did he respond so I filed a dispute through my bank on XX/XX/XXXX. I also filed a dispute on XXXX XXXX  's website on XX/XX/XXXX. 

XXXX XXXX has responded to the claim and refunded the {$440.00} due to the fraudulent transaction. 

I have attempted to also file a complaint through XXXX which has proven to be much more difficult, if not impossible. 

On XX/XX/XXXX, at XXXX, I called the XXXX customer service number ( XXXX ) XXXX and spoke with XXXX ( Emp # XXXX. ) I informed him of the transaction details and asked him about helping me with a refund due to the fraudulent transaction. He told me he couldn't help me and said that in order to inform XXXX about a person committing fraud through their system I would have to send a letter to their corporate office through the USPS. I asked him to send me an email with the information and to document our phone conversation but he said he didn't have access to email so I asked to speak with his supervisor. 

XXXX, his supervisor, came on the phone. She would not provide me with her employee ID as she said she wasn't permitted to. She proceeded to take down the transaction information and told me she was writing up a report to submit to her supervisor about the fraudulent transaction/user. She provided me with Case # XXXX. I asked her to email me documentation of the filing of that case but she said she was not permitted to send emails. 

The issue with XXXX is they are not protecting the consumer. With their abundant technology ability to transfer money and give people instant access to funds, they aren't using the same technology to reverse fraudulent transactions. They aren't even giving people an electronic way to file a complaint! I believe it is their intent to avoid electronic communication. 

By not providing a way for the consumer to file a fraud complaint and assisting the consumer, they perpetuating the fraudulent transactions. 

If XXXX XXXX provided a refund due to fraud, then XXXX should as well. They have a responsibility as a financial platform to step in to stop fraud, not assist it. 

XXXX XXXX XXXX XXXX  post id # XXXX URL - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On a recent review of my credit report, I discovered your company XXXX XXXX, XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Payment Resolution Services
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payment Resolution Services is attempting to collect a refund for a payment from XXXX that was never sent to me. The payment was for an out of network medical claim that was processed incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still processed this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this payment was never sent, the check was never cashed, and I do not owe this amount. I have filed multiple complaints with XXXX to try to resolve this. My company 's XXXX department has tried to resolve this. I have sent a letter to Payment Resolution Services disputing the debt and asking them not to contact me further. I am still receiving letters that I owe {$37.00}. Please note Payment Resolution Services is now sending me a collection letter with a different account number. 

I have attached proof of delivery of the debt dispute letter. Continuing to contact me is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1 ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Citi Bank did not renew my card. I inquired multiple times, including today, to work things out and they said it was because of credit score ( which is well over 700 ) and derogatory information ( have no clue ). I have had this Sears card for well over a decade and have almost always ( 99 % over 10 or 20+ years ) paid on time in amounts much greater than the  minimum. I've earned a lot of points over the years and those are no longer available either. I feel I've been unfairly treated and discriminated against in a manner which is driving my credit score down, and the victim of a company 's bad management attempting  to do unethical things to get them back into good standing. I feel I've been totally taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian online submital is impossible to use. I tried 4-5 times and always had to start over. 

XXXX dispute link does not open. Could not open a dispute. 

XXXX is good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18, I received a letter from Affiliated Creditors Inc. stating an alleged debt in the amount of {$56.00} from " XXXX XXXX XXXX. '' This alleged debt came in response to my prior landlord giving me the ability to move out a day late, which was given in good faith over the phone on a recorded line. On XX/XX/18 I disputed the charge via an email to " XXXX  '' ( attached ). In this email, I included facts and proof of this conversation and agreement. On XX/XX/18, I was contacted back from ACI by  XXXX who informed me that I was still responsible for the debt. She could not provide me any insight or verification about the alleged debt since my supporting documentation. After reviewing the FDCPA, specifically section 809 which deals with the validation of debts, I called back to speak with XXXX on XX/XX/18 to ask for the " verification or judgment '' that was supposed to be mailed to me after my dispute. She became defensive and asked where I was getting this information. When I informed her this was from the FDCPA, she laughed it off and said " I will send you what I have. '' I asked what this was, and she asked what I had. When I told her I wasn't trying to play games, but simply wanted the verification of the debt, she said " I'm not fighting with you over {$56.00}. '' While this {$56.00} may not be a big financial burden for XXXX, it is to others. If {$56.00} isn't that big of a deal, than perhaps she should pay it. Regardless, she was only able to tell me that " there was nothing in writing because it was a conversation the apartment manager and their associate had over the phone. '' If this is the case, how am I as a consumer supposed to have any clarity to the debts in question? I doubt I will receive any further correspondence from her or ACI because of the way in which she handled herself. As a consumer, this worries me not only due to the financial nature of this ordeal, but also the credit implications it could have on my credit history. While XXXX may not take {$56.00} and a credit report seriously, I do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Opportunity Financial, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report, and saw an account for XXXX/OPPLOAN in the amount of {$1400.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. It states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
There were 2 recalls on the XXXX XXXX XXXX XXXX vehicle, and we wanted to surrender without penalty. For 2 years, Ally has dragged this out placing us on multiple ludicrous call back responses and communications with Supervisors which never happened and being hung up on several times while trying to resolve this matter. Disruption in service predicated by an identity theft incident in which we were locked out of the system. We called clarifying a change of address and a need for an entry key. This was not resolved until about 3 months later. The agreement was we needed to prove we were locked out of the system and that all penalties and late fees would be waived completely, and this never occurred either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Investigation results were wrong account still has not been removed from my report. The account of XXXX XXXX is not mine but is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation