BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department/Re : Investigation I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETEXX/XX/XXXX XXXX XXXX XXXX Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 
" DELETE XX/XX/XXXXXXXX '' Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs  TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors.  They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX System because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 
I've included the official letter with the disputed items listed on them.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.

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 2021-07-14
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to being a victim of identity theft an unauthorized account with XXXX was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: CT
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:
There is an account showing on my report from XXXX  XXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! The account was NOT VERIFIED! I would like to have the item removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
I would greatly appreciate these items being removed immediately from my credit reports as these items are inaccurate anI noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX/XXXX XXXX do not belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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 was result of identity theft

Complaint:
Trying to charge me for a debt that isnt mines I was also victim of social security fraud and this is damaging my credit please help me remove this debt out of my credit 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 2020-04-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.

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 2019-06-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
During a conversation with Enhanced Recovery they demanded immediate payment of the alleged debt without informing me of right to dispute the debt, even though I had disputed it, according to the unlawful debt collection and validating. 

The debt collector threatened to garnish my wages if I did not pay the debt. The debt collector informed me that the company would seek alternative ways to have the alleged debt paid if I did not pay, something I interpreted to mean the company would sue me. 

Despite requests that Enhanced Recovery cease calling, the agency continued to pursue after me, using an autodialer system to place repeated collection calls. 

I never provided my cell phone number or consent to be contacted by Enhanced Recovery. 

The calls were intended to unjustly condemn and vilify me for non-payment of the debt I allegedly owe, and to produce an unpleasant and/or hostile situation between my family and I. This company has caused my family and I mental distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: MN
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 XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it doesn't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we can't give you response and any documentation and this will stay on your report forever as long as they want and that's totally wrong honestly and I'm feeling now these companies they are violating my rights please help and no one above the law that's what I believed forever. please give me a written documents that my signature on it or delete this. Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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:
I've trying to contact all three credit agency for the past year, and No response has been provided. 
According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. 
Please help on 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 2018-01-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am disputing a charge of {$4800.00} dated XX/XX/2017 on my Citi XXXX XXXX XXXX and to complain that on two separate occasions Citi representatives blatantly lied to me. On XX/XX/2017 my daughter, who is a cardholder on the account, was called by an individual claiming to be from the IRS. In what we found out later to be a scam, he instructed her to pay the IRS {$4800.00} in XXXX XXXX gift cards. He told her not to speak to anybody at all about this or she would be arrested immediately. My daughter went as directed to the XXXX XXXX in XXXX, NY and charged that amount on our XXXX. Citi texted me a fraud alert and shortly afterwards my daughter texted me begging me to approve the charge. She is a very responsible and intelligent adult who fell into the trap of a professional scammer. I did authorize the charge because I did not have the slightest knowledge that this was a scam at the time. She was later directed to go to XXXX, where the store personnel helped my daughter conclude that this was a scam and she promptly called and provided me with all the details described above. It was then that she disclosed that just minutes before using the Citi card she was ordered by the scam artist to purchase other gift cards and she maxed out her own personal XXXX XXXX XXXX to do so. 

Once I was given this background information, I immediately contacted Citi customer service. I spoke with a gentleman whose name I believe was XXXX, and he advised me to cancel the current card and get a new one. He said this was the safest way to ensure that the charge was unconditionally removed from our account. This was a total lie because Citi later held me responsible for paying the {$4800.00}. A few days later, after we received our replacement cards, my wife called Citi customer service to confirm that the charge had been erased and she was told not to worry and that we would not be responsible for the charge. That was the second total lie that Citi told me. Citi reviewed the phone conversations and completely agreed with my account of the conversations with the 2 representatives. 

I sent a letter to Citi 's Office of the President and they denied my claim to have the {$4800.00} charge removed from my account. The lies from Citi representatives are indicative of deplorable customer service and I am contacting the CFPB in the hope that this can be resolved. Hopefully this will also serve as a warning to other clients and potential customers that Citi does not keep its word and honor their commitments, even for this account that has been paid off in full consistently over forty years.

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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This past XX/XX/XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. In XX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally on XX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that XXXX was still reporting that I had the loan and was behind on payments. I tried contacting Transunion and did a dispute and whe the investigation was complete it stated it was correct from the info they received from XXXX. I have disputed this on 3 occasions now. I have also contacted XXXX on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off 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 explanation
Consumer complaint received 2018-01-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for credit with XXXX XXXX / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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.

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 2018-01-27
Company: QC HOLDINGS INC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, Due to financial hardship, I financed approximately {$500.00} with XXXX XXXX XXXX. I was unaware that I would be charged approximately {$400.00} in interest. Due to health issues I defaulted on this in XX/XX/XXXX. In XX/XX/XXXX, they sold my account to a collection agency. They sold my account, knowing I had health issues and knowing I was seeking a reasonable payment arrangement. The only solution the collection agency that XXXX XXXX XXXX, sold my account to was : a buy out or to set up arrangements with my checking account information ; they refused to accept a money order or any other alternatives.

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 2021-11-11
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The CBE group continues to call my business on a daily basis, XXXX to XXXX times per day. When I have contacted them to remove my phone number from their call list they continually tell me that they have. We do not have any outstanding debt that they are servicing and there is no reason for their daily phone calls. I can not resolve this situation through the CBE group and am requesting that I can block their number XXXX from calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: GATEWAY FIRST BANK
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Gateway mortgage company was the servicer of a mortgage I obtained in 2016. Last year, during XXXX, I was told that my mortgage was in forbearance. However, I still made every payment on time. Gateway sold my mortgage to a different mortgage company. When the interest rates dropped really low this past year I attempted to do a refinance. At this time I found out that my credit report was showing XXXX late payments when my mortgage was with Gateway. I have reached out several times to Gateway to have this corrected with no success. I am now in the process of seeking legal advise to remedy the actual damages that I incurred by now being able to refinance at a lower rate and for having misinformation reported to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I suffered a loss due to COVID 19 national disaster, as result my loan was placed into forbearance. My mortgage company Suntrust now Truist Bank sent out documents for me to sign for the partial claim option. I sent the documents however the bank says they never received them and they reported my account as over 180 days late, severely impacting my credit score. I called the bank to investigate but they were unable to remove the negative remark because the loan has to go through the loss mitigation process all over again. I am complaining because I suffered through XXXX XXXX, now I am being punished for something out of my control with mailing system and to report my account as late and impact my credit score really hurts. Please help me.

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