BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.

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 2021-09-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my Transunion and XXXX  credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.

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: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello the amount I owe to Hunter XXXX is what I am disputing. I shouldnt have to pay the full amount of {$5900.00}. I only owed the last month rent which was {$1300.00}, I believe that is a fair amount that I should owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX Employers : RETIRED Date Updated : XX/XX/2018 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2018

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 2018-01-20
Company: Experian Information Solutions Inc.
State: KY
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 an account showing collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX on my XXXX credit report that has been removed from XXXX and from XXXX because it is on my report by a complete mistake. XXXX REFUSES TO REMOVE WHILE ALL OTHER CREDIT REPORTING AGENCIES HAVE FIXED THIS MISTAKE. Im not sure if this is because of breach of my personal information, because i was one of millions that was violated by this. I have not paid for there credit score services. Could this be the reason they are not fixing this mistake? XXXX WILL NOT REPAIR MY CREDIT REPORT, and I have disputed this account three time over the past 6 months. PLEASE HELP!!!

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 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: DEEP SOUTH FINANCIAL SERVICES INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I was arrested for writing worthless checks in XX/XX/XXXX, company at that time was under XXXX XXXX since then has been bought out by Deep South Financial Service which location I do not know there is three in XXXX La. one at XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX Zip XXXX The charges were for the amount of {$75.00} After bailing out of jail, and loosing a days pay. The next morning my daughter took it upon herself to call her friend, XXXX at Deep South to get information regarding the account. And XXXX provide that there was a XXXX XXXX XXXX on the account not two much more information was showing. In the mean time I was dealing with District Attorney 's office and the charges were dismissed immediately. My daughter called me and advised me that her friend XXXX from Deep South called her and told her that the charges were dismissed. May it have been my daughter or anyone else information was released without the proper authorization to do so. This XXXX never asked to speak to me or a way to reach me to discuss anything much less get the proper authorization to release anything on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: Account information incorrect

Complaint:
We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was Equifax!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$13000.00} XXXX {$9100.00} XXXX {$4600.00}

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 2021-12-07
Company: ONLINE Information Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection agency by the name of Online Information Services is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$700.00}. The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2020. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: Experian Information Solutions 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 previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.

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 2021-12-07
Company: Experian Information Solutions Inc.
State: GA
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 had a collections account with XXXX XXXX  XXXX that has been paid in full and closed ; however, it still shows up on my Experian and XXXX credit reports as an open collections account. 

Once the debt was paid, I notified the credit bureaus immediately, forwarded the letter that I was provided, and asked that they update my reports accordingly. XXXX updated that account accurately as paid in full and closed. Experian and XXXX however continues to report that account as an open collections account that is in derogatory status with a {$0.00} balance. I've contacted the creditor by email and asked if they can reach out to the bureaus to notify them stating specifically that the account is closed ; however, they have stated that the letter that they provided was the only notice that they would provide. I can include that letter with this submission. In the email, I asked if she can confirm that the account is closed since the debt is settled in full and she has stated that that is correct. I enclosed the email thread that contains the conversation with this submission as well. I contacted the Experian and XXXX and they have stated that they must have a statement from the creditor, specifically stating that the account is closed. I have run out of options at this point and would need your help to correct 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 2018-01-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Ref : CFPB Case # XXXX It is requested the closed referenced case be reopen. My reason is as follows : Zales or XXXX XXXX has not responded to me other than what XXXX XXXX sent to CFPB indicating they would conduct an investigation. Nearly ninety days has come and gone and not a word from XXXX or Zales as to the results of their alleged " investigation. '' However, I am nearly 100 % sure XXXX will note, as in the past, they sent me a letter but I have no record or ever receiving a response to their investigation and I keep excellent records. 

It is requested CFPB become involved and determine if I may have some closure to the issue previously contained in my complaint to CFPB ofXX/XX/XXXX, 2017. If XXXX XXXX has not issued a credit to my Zales credit card account and they have denied my claim, I will need their response if I plan future recourse through our local courts. 

I am almost certain that I can not be a lone wolf that is receiving the disrespect and poor customer service from Zales and XXXX XXXX. The two entities lack any compassion for their extremely poor customer service or customer satisfaction ( please refer back to my original complaint ). 

Thank you for reading and assisting me to achieve my original goal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 3 loans with Navient totaling XXXX originally. I have been denied consolidation several times. I am now adding up what Ive paid over the years and it adds up to just over XXXX dollars with still barely a dent in the principal amounts. This seems criminal to me, and I cant get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2020-10-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Sys INCXXXX reported a collection on all my credit reports on XX/XX/2020 for XXXX and reported me late since XXXX XXXX. I never received a letter from this Collector or collection agency. I never received a call or a bill. I have no knowledge of this debt and I can't verify if its mines without a letter. I need this account removed! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2018, I checked my report and found out a hard check was done on my credit that i did not authorize, I do not even know this company! I check my credit very closely. I called the number that was listen in the contact info and it transfered me to transunion report. This is how the contact info looks : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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