BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/XXXX I sent XXXX, XXXX and Trans Union a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, Trans Union and XXXX a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to XXXX managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX CH Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX BXXXX  XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX I Travel/Entertainment XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.

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 2023-04-15
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a first class certified mail letter to Waypoint Resource Group collection agency on XXXX XXXX XXXX. I advised them that the account they bought was not mine and to verify the account. I also advised them to remove the collection account from my XXXX report if they are unable to verify the account. They never responded to my letter and the account remains on my XXXX credit report. I reached out to XXXX 5 times and disputed the account, asked several times for them to verify the account. The account was removed then put back on my report the next month. I was told by several representatives they do not verify incorrect information. The collection agency and XXXX refuse to verify or delete this account from my credit report. Please investigate and remove this account from my XXXX credit 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
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am no longer disputing Fair Collection and Outsourcing.

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 2017-12-15
Company: CORELOGIC INC
State: NM
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:
I have XXXX hard inquires on my credit report from the same company that I dont recognize. Theyre from XXXX and theyre hurting my credit score. Its unfortunate that these are on my report. I dont recall making those inquires.

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 2018-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXXpayment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.

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 2020-12-01
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Hello, I have written. Credit Collection Service ( MA ) on XX/XX/2020 regarding a collection Account reporting on my XXXX  Credit report and also on XX/XX/2020 regarding a Collection Account reporting on my XXXX  credit report. Credit Collection Service ( MA ) was asked to Verify and Validate that this Debt belongs to me. It is now XX/XX/2020 and no validation has been sent. I ask to have these accounts Deleted from my XXXX  and XXXX Credit reports and any other 3 party reporting source.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have reached out several times and even included the XXXX and they never could get the to respond including XXXX XXXX XXXX. No one has ever been able to reach anyone or get a response. I have been trying to let the company know that I am unable to work due to medical issues and have been placed on XXXX XXXX XXXX by my work due to my XXXX orders. I was informed by Citizens Bank ( which can not do anything bc the Citizens Pay dept is a separate company they explained ) said they do have some kind of program for people who have this exact issues and can even charge of remaining balance with benefit protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debit was paid however is has been on my credit for 3 years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Specialized Loan Servicing Holdings LLC
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 information incorrect

Complaint:
On XX/XX/XXXX, I filed a dispute with XXXX regarding a trade line reported by Specialized Loan Servicing, due to inaccurate balance and payment history data reported. On XX/XX/XXXX,  the balance of the trade line was updated to the correct amount ( {$0.00} ), yet the paid history continues to show a charge off date of XX/XX/XXXX when the date of first delinquency was XX/XX/XXXX ( in  violation of the FDIC 's Uniform Retail Credit Classification and Account Management Policy ).

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 2018-04-26
Company: EQUIFAX, INC.
State: NY
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:
I have sent letters via fax as well as certified mail and personally called Equifax to remove incorrect addresses and employers, however, they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: AL
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:
Sent them a paid in full for delete letter for XXXX XXXX XXXX, they deleted it and then reinstated it dropping my score 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: NJ
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: Didn't receive services that were advertised

Complaint:
Equifax is refusing to update or provide me with an accurate credit score and frequently do not update my account. They are refusing to provide me any information on my account until I provide them with proof of identification ... I have gone through all their verifying questions and have provided them with sensitive information over the phone that proves my identity. I asked them why they are asking for proof of identification and they wont tell me why ... I had faxed them a request for dispute well over a month ago and I would like information on that now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I am reporting ARS Account Resolution Services. I sent two letter asking for verification of debt and they will not send me the information I asked for. It is a repeated hetter stating : " As you are already aware, ARS represents XXXX who provide services in healthcare facilities throughout the country. In response to your request for verification of debt we have listed the amount below. ARS has verified this information with our client. ARS denies there are any inaccuracies in the account balance reported to the credit bureaus. '' I sent the verification letter XX/XX/21 and they sent a letter XX/XX/21 not giving enough time to properly verify this account nor sending me the contracts and documents of proof that I asked for twice. ARS continously fails in giving me documents pertaining to this account. I have called and apoke tonrude representatives who will not help in verifying this alledged account. Their practices are shady and unethical.

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 2018-10-17
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Friday XX/XX/XXXX Advance America will take payment out of my checking account. My checking account is on hold due to issue Im having with my bank. advance America will not work with me on making payment. I need the payment to stop and Im more then willing to pay what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: TX
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:
Two accounts against my credit has been paid in full and information has been submitted to Experian and they fail to upgrade credit score.

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 2018-03-04
Company: CITIBANK, N.A.
State: LA
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:
XXXX  credit card reporting incorrect information on credit report. Reporting debt owed is XXXX. 2017 income tax XXXX form sent with cancellation of debt balance {$1600.00}. Company is still reporting an incorrect balance. Debt has been filed on incmoe tax and penalty cost have been added to taxes, filed on my behalf as additional 2017 income. Please have company update all credit bureaus with accurate information immediately. Thank you in advance.

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 2018-10-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Once again..another problem with AES. Last month their system said I didn't make a payment and that I did not have a Direct Debit set up. Now this month I get notification that my payment is now two days past due and that NO direct debit is set up. I called AES and got a very snippy representative that said I received a letter. Note that two months ago, I asked that I receive hard copy mail and not electronic ( another FAIL by the lender ) as I note that I do have a letter from them canceling my direct debit. HOWEVER, they blame this on my personal bank. I spoke with my bank about this and they said they did not advise AES that it was not able to process the direct debit. 
I want my loans sold IMMEDIATELY to another lender who is responsible. 
I am asking CFPB to please take care of this. I am sick of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had an unpaid balance. They keep calling me and my family members threatening to they are going to sue me, the police is going to my house and they they're going to call my employer speak with my supervisor and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I demand XXXX XXXX -XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. XXXX XXXXXXXX  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.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Tranunion is reporting inaccurate on my XXXX payment XX/XX/2022 2022

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 2023-02-02
Company: Resurgent Capital Services L.P.
State: IL
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 XXXX Lvnv funding llc opened a XXXX.Acct. # XXXX. XXXX $ I have never signed any written document saying that i owe this debt to the collector.They are violating my rights of the FCRA as a consumer.I do not know who they are and have not written consent from my end.Also they have not verified that i owe this debt to this alleged company.Please have this removed from all three credit bureaus. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Information belongs to someone else

Complaint:
I was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

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 2021-04-16
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: Account information incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2020-12-01
Company: EQUIFAX, INC.
State: CA
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'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We receive multiple calls each day for a debt that is not ours ; voice mail from XXXX XX/XX/2018 : Voicemail from ( XXXX ) XXXX " Hello this is XXXXXXXX XXXX XXXX we are debt collectors. Please call us at XXXX. Our office is open Monday through Thursday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time. Friday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXXXXXX XXXX to XXXXXXXX XXXX Central Standard Time. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation