BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019, I filed a dispute with Transunion regarding several items that were being reported incorrectly. On or about XX/XX/XXXX ( nearly 2 months later ) I received a letter stating that the investigation was now complete. As you can see from the attached, the letter was dated XX/XX/XXXX. Thus, seemingly they were in compliance with FCRA. However, per the attached, the stamp on the envelope is dated XX/XX/XXXX!!! Thus, clearly, they were not in compliance and in fact seemed to have purposefully done this. 

Pursuant to FCRA, they are required to respond within 30 days. Failure to do so requires them to remove the disputed items. Please make sure they do so as they have caused me great hard and should be reprimanded for the seemingly obvious abuse. 

The items that were disputed and that need to be removed are : USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have tried disputing this unverified bankruptcy on my credit report for almost two years. XXXX and XXXX got rid of it. They dont have proof of me filing one nor I have lived near the area they say I filed bankruptcy at. I even wrote the alleged court and sent the letter about them not giving information to third parties and they have not deleted this unverified bankruptcy yet. I even screenshotted my other profiles to show proof and they havent deleted this yet. This is hindering me from obtaining near credit and they are violating my fcra rights, and they said they are not reinvestigating this manner.

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 non-monetary relief
Consumer complaint received 2018-03-29
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried multiple times to rectify the debt which in the state of Texas has to have a bond in order to collect anything which they do not have making what they are doing illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has  furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent account.

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 2020-02-06
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not sure how to describe this because I have issues on 2 fronts : 1 ) I was XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time I had student loans that were deferred because of my XXXX XXXX status. But the companies would constantly sell my loans to other companies and I wouldn't even know about it until I was in collections and started getting letters. My credit was destroyed for 10 years because these companies would sell my loans, I would end up in collections ( even though XXXX XXXX has deferred status ) and I would have to resubmit all my military orders again. But the years of collection dings still show, even though I was payment deferred due to XXXX XXXX status during that time. 

2 ) I was dealing with PENN collections on a {$130.00} bill that I didn't even know about. When I spoke with the guy on the phone 2 weeks ago my impression was that paying it would remove it from my credit report. It did not and they won't help. They simply marked is " paid '' so my credit score is still damaged. 

I'm trying to refinance my VA loan, and these things are preventing it. I've never missed a bill I've known about and all my student loans are now paid ( I paid them off because I was so tired of having them sold and then ending up in collections because I couldn't even find where they were sold to ). I just need my credit report to reflect my 100 % payment history and figure out how to remove all these blemishes that are either wrong or dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 been experiencing a tremendous amount of identity fraud/debt over the past year. Every other month Im getting a random debt collection for a charge off amount on a credit line that was opened within the past 6 or so months that I obviously have no knowledge of. This most recent debt just showed up on my credit this past weekend but was opened up in XXXX of 2017. For amount of {$910.00} for a XXXX XXXX XXXX card. Debt collection company is XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have XXXX Bitcoin with Coinbase Inc. 

On XX/XX/21 I requested a transfer of {$2000.00} to my bank. 
I was immediately notified that the sale had been started, but the money was not transferred. 

On XX/XX/21 I requested a further {$1500.00} which was not transferred. 

Coinbase has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX Ally Auto Financial reported remarks on my consumer credit report that I can NOT see. It says to contact the original creditor for any questions. I, as a consumer is the original creditor.

Under U.S. Code 15 1666 ( b ). As I consumer, I commanded Ally Auto to delete/close the account that they did NOT have my written consent to report to began with. No consent is identity theft!

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 2018-03-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. Equifax would not give me an option to dispute the inquiries but I did lock my credit report. With XXXX XXXX also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is reporting out that never paid for a check in the amount close to {$340.00}?? to XXXX XXXX. I requested my consumer report and it lists no information found. The only reason I found out about the information is while opening another account my bank shared the information. I do believe it is from when I had a vehicle loan with XXXX XXXX  over 4 years ago. A check may have been returned at one point, however, it was immediately paid when the issue occurred. Therefore, there is no reason it should be reported as bad debt. I then refinanced that loan with my current bank and it would have been paid when the refinance occurred.

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 2020-08-19
Company: EQUIFAX, INC.
State: AR
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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a unverified account from XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX Cease and Desist all further communications. XXXX XXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.,  you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX, is trying to collect a debt of {$310.00}, and reporting this debt to Consumer Credit Agencies. 
They are reporting that this debt is from " XXXX XXXX XXXX '' and that it is 2 Years, and 10 months, old. 
I have never had a contract, written or verbal, with the XXXX XXXX, and have not received any information from them or the mentioned collector to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 contacted the company ( Portfolio Recovery ) in attempt to have this removed from my credit. I informed this company that they were reporting illegally due to not being able to verifying that the debt they are reporting is mine and providing no proof that I owe this debt to them. Theres no written contract provided or any legally binding documents proving that I owe this company any money. 

This company only sent me credit card statement which doesnt prove that I owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for a modification of my loan last year, completed the trial paymentsakeing them all, and in XX/XX/XXXX Bayview Loan Services came up with a collection on a title search that was never found before of me owing back child support. I gave them the judgement by a iowa judge stating I dont owe, they didnt accept the court order, I filed for a new modification, and requested a reconsideration of the first, I submitted all docs that they requested and they have dragged there feet at every turn, not returning calls, request for information at all, I filled a complaint with CFPB just over a week ago, after this I got a call from my old account manager that a new one was assigned, and the same thing as happens with ththe new account manager, not returning calls, calling at times that when I have told them I was working and so on. Yesterday I have receive the first corespondents since I have filed, only after the CFPB complaint, and the letter contradicts each other, asking for information that I have already given them, and they still intend on selling the house on the XX/XX/XXXX without giving me due process under the modification law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this matter.

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: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, XXXX XXXX, Transunion XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband

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 non-monetary relief
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX  written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to XXXX XXXX XXXX. According to 15 usc 1692g XXXX XXXX XXXX were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.

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 non-monetary relief
Consumer complaint received 2018-06-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 non-monetary relief
Consumer complaint received 2021-09-04
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: Personal information incorrect

Complaint:
My identity has been compromised and the more that I research the accounts reporting fraudulently the more I believe a past business associate who stole thousands of dollars from me is the culprit of the crime. I am doing everything to protect my credit so I have requested extended fraud alerts, my personal information to be corrected, and unauthorized inquiries removed as suggested by the FTC. I sent each of the bureau 's a letter on XX/XX/2021 a letter requesting that my personal information be corrected there is currently inaccurate names and addresses and yet this inaccurate information continues to report on my credit report. Attached to this complaint is a copy of my identity theft affidavit and the letters that were sent to the bureau 's in which the failed to modify.

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