BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2018-06-14
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount claim owed by XXXX XXXX XXXX was incorrect. I talked with them on multiple occasions and they did not respond with evidence supporting the bill. Eventually they turned the dispute over to a collections agency " XXXX XXXX XXXX '' which sent me a letter. 
I immediately contacted them and emailed them filing a dispute with them and followed up a couple of times. I was told verbally and via email they were waiting for a response from XXXX XXXX XXXX and that " apparently XXXX XXXX XXXX sees this inconsistency as well ''. Eventually they drop the issue after XXXX XXXX XXXX was unable to substantiate there claim. Then I received a call & letter from another collection company " Diversified Consultants Inc ''. I contacted them and explained the issue, emailed them a dispute, and sent the dispute letter, and supporting documentation within 30 days of notification. No response was recieved from them written or other. They did no investigation, and proceeded to immediately filed a collection with credit reporting agency 's. " Diversified Consultants Inc '' did not follow the law and provide or protect my rights under FTC rules and laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Santander Consumer USA Holdings Inc.
State: MI
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 am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: MI
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:
In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.Equifax sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the Equifax credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from XXXX XXXX loan offer up to XXXX XX/XX/XXXX, I applied online for the XXXX XXXX offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the XXXX XXXX quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXXShe asked for my SSN number to look up information.XXXX stated to me that my credit score is XXXX and to be considered for a loan, it should be at least XXXX or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX stated it generally means bankruptcy.After that conversation, I logged onto Equifax at www.equifax.com.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXXAfter looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of Exquifaxs not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX I received a phone call from Hunter Warfield in regards to my lease with XXXX XXXX XXXX XXXX.. I was not even aware that the issue was at the agency since XXXX XXXX XXXX agreed on the lease payment and requirements for breaking the lease. 
Since then I have received phone calls From collection agency Hunter Warfield at home, cell phone and work without my permission. I have asked several times NOT to call my work desk. They call Several Times a Day- Everyday Except Sundays. 
I spoke with XXXX XXXX XXXX  via Email regarding the amounts needed to satisfy the breaking of my lease prior to any of this happening ; before I even moved out. The satisfaction details are stated below. 
1 month Rent for the Month I was there- XX/XX/XXXX- {$1200.00}. 
1 month Rent fee for Breaking the lease- {$1200.00} In addition, I would forfeit my deposit- {$3000.00} This is what was agreed upon. I provided XXXX XXXX   XXXX with my new address and never received the final Amounts. The only communication came when Hunter Warfield called me with the amount of {$4300.00} I Have since received 3 letters in the mail and countless phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller keeps calling us from once to twice a day. They never identify themselves or who they represent and simply hang up the phone. We have told them not to call but we have no idea if they heard us since they never respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asapXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2018-12-20
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a pair of shoes online for {$300.00} via the XXXX app through my banking services with PNC. I received purchase confirmation via email but never received the actual item. I have contacted the merchant with no responses. Now, the fraudulent merchant is continueously withdrawing {$300.00} from my account. 

I have contacted my bank and they have said since I authorized the first payment, there is no buyer protection for me. But why cant they stop the continueous unauthorized withdrawing of funds from my account? I am desperate for a resolution. Is there anything my bank can do for me to provide a courtesy reimbursement of my funds? If not the first authorized payment made by mistake, then at least the charges thereafter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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: Information belongs to someone else

Complaint:
I am a victim of 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 2020-11-13
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:
Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov 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 2018-12-20
Company: Experian Information Solutions 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:
Experian has received a letter from me on XX/XX/2018 regarding an account that has been investigated and deleted by another credit bureau, which is XXXX. This account is misreported/ unverifiable/ false/ and or else wise inadequately reported data and/or derogatory information that is questionably, if not deceptively, reported in my credit file unfairly and surely illegally. As you know, COMPLIANCE of reporting for any VALID CLAIM is MANDATORY, NOT OPTIONAL. Prove or remove, THAT IS THE LAW! The item here reported is DEFICIENT of reporting mandates as it is in the least questionable in its inconsistent reporting and deceptive even error-prone reporting. As detailed by the XXXX XXXX Five Points of Compliance per the link : XXXX : XXXX OBVIOUSLY, the five noted points above are each MINIMUM STANDARDS for being compliant in processing consumer complaints COMPLIANTLY and exactly as dictated by the XXXX as per listed at this link. This sequence of requisites to certified compliant reporting is commonly referred to as the XXXX aka XXXX XXXX Five Points of Compliance! It is FEDERALLY mandated and must demonstrate proof of such should a consumer call for a CHECK of VALIDITY and/or COMPLIANCE of reporting and/or DISPUTE the claims validity and or CHALLENGE the alleged compliance of reporting, even the mandatory perfect and complete XXXX XXXX Format Compliance standards of reporting as above mentioned at least! 
Follow suit and delete this account for accurate reporting : US BKPT CT IL XXXX Identification # XXXX Attached is the letter sent to Experian on XX/XX/2018, XXXX XXXX Five Points of Compliance explanation ( pay attention to highlighted area ), XXXX credit report with deleted 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 2021-05-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Kelsting Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, i asked XXXX XXXX XXXX to validate a debt they claim I owe to XXXX XXXX. What they sent was a copy of a lease and a bill for a little over {$3000.00}. In XX/XX/XXXX, I sent a dispute through my credit bureaus regarding this debt with a copy of my drivers license and social security card to prove that the information did not match what the collection agency had on file. The credit bureau simply updated my accurate information with the collection agency and allowed the item to remain on my report for collection. This collection agency is also not authorized to collect in Georgia which is my state of residence.

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 2018-06-14
Company: Williams & Fudge, Inc
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had a Perkins Loan at the University of XXXX XXXX in XXXX, Texas. I am enrolling in college at another university in the fall, 2018 and my admission into the university is on hold due to the University of XXXX XXXX putting a hold on my transcripts. 

I have spoken with the XXXX contact at this university for several months now who has been rude, condescending, and unprofessional to me in how he has spoken to me, however, he suggested that I do a loan consolidation to pay off the Perkins loan. 

I did do this loan consolidation and the loan was paid ( approximately {$2800.00} ) except now the XXXX contact says there is still over {$1000.00} that needs to be paid before my transcripts will be released. 

The XXXX contact says that a Williams & Fudge agency has been contacting me about my loan. I have never received any letters, phone calls or e-mails as far as I can recall about any correspondence with any Williams & Fudge agency and in fact when I did speak to XXXX ( my loan provider ), I was told that my Perkins loan had not defaulted. 

I have been unemployed and XXXX  XXXX and unable to work and that is why the payments were late, but now even after the loan has been paid, University of XXXX XXXX is still unwilling to release my transcripts until I probably have to pay this extra {$1000.00} + I'm guessing as collection fees. 

Again, I do not recall getting any information from any type of Williams & Fudge agency correspondence and I most certainly do not agree with any additional fees which are 1/3 the cost of the overall balance of my Perkins loan. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: NV
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 XXXX  ( ORIGINAL CREDITOR : XXXX XXXX HOSPITAL XXXX ) XXXX was fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my 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 non-monetary relief
Consumer complaint received 2020-07-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI Collections has reported a collection account to my XXXX, XXXX & XXXX credit files. I do not owe this alleged debt. If TSI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. TSI has no legal right to attempt to collect a debt. TSI has not validated this debt nor sent me a notice of collection. TSI is inviolation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: AR
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 issue is an existing problem which EQUIFAX wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were  sent timely on the accounts and were never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
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 am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XX/XX/XXXX/XX/XX/XXXXXXXX

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 2019-09-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
o Whom it May Concern, I am writing regarding a corporate account with American Express. The original balance on this account was approximately {$82000.00}. In the last couple of years, I managed to pay nearly half of this balance, however, in the last few months, I have had financial hardship. I made American Express aware of the situation and tried to reach a payment arrangement. American Express was reluctant to help, yet attempted in good faith to come to a resolution. 

American Express kept threatening to ruin my credit and immediately transferred the account to a collection agency, which in return threatened to sue me. I had reached an agreement with the collection agency for a $ XXXX monthly payment through their financial hardship program. They promised that would reset the past due amounts on American Express and will not leave adverse information on my credit report. To my surprise, I found out that American Express reported negative information on my credit report despite reaching an agreement with their collection agency a couple of months prior to the reporting. Please see attached documents. 

I immediately contacted the collection agency and American Express. American Express claimed that they had nothing to do with it and the arrangement I made with the collection agency would not reflect positively on this account. I contacted the collection agency just to be told that it is American Expresss fault that negative reporting impacted my credit report. I requested a written document specifying exactly what my payment agreement of $ XXXX would entail. At first, they claimed the $ XXXX monthly payment would keep them from suing me. They refused to send me any letters detailing the arrangement for the {$500.00} payment while continually threatening to sue me. 

I am a victim of some sort of extortion from American Express where they ruined my credit and intimidation techniques by the collection agency to be sued, forcing me to make some sort of a {$500.00} ghost payment that is not being applied anywhere ; hence, the agreement was to make {$500.00} a month to keep my account current with American Express and reset the monthly payment for a period of 12 months. 

I am asking American Express to remove the derogatory information from my credit report since I have reached an agreement with their collection agency to make a $ 500 monthly payment prior to the negative reporting to all three major credit reporting agencies. 

Thank you for your help regarding this matter.

Company response to consumer: Closed with non-monetary relief