BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

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 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiries on my credit report that I did not authorize. When I called to get them removed Transunion did not help me to get this corrected. 
The inquiries not authorized by me on the report include : XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too.

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 2017-10-31
Company: Alliance Collection Service
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX supposedly of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MS XXXX PHONE : XXXX ; FAX : XXXX originally contacted me at my place of employment around the 1st part of  XXXX, XXXX in regards to a medical bill owed to XXXX XXXX XXXX located in XXXX XXXX Hospital, XXXX, AL. I asked for proof of the debt, which they mailed, and in return, I explained to XXXX that I would also be contacting my health insurance company XXXX for an XXXX, because I have bank records that I in face paid XXXX XXXX XXXX during each visit that I made for physical therapy. 

I have been working to get this resolved, but getting in touch with a representative at XXXX as well as getting copies of cancelled payments from my bank, as we know, takes a little bit of time. I have NOT been ignoring XXXX, and have only wanted to resolve this matter. 

On XXXX XXXX, XXXX, they contacted my place of employment, and instead of asking directly for me, began asking very personal questions to an employee of mine about me. Additionally, they stated they wanted to " verify my employment ''. My subordinate explained to the caller, that they would need to fax something over, and she gave them the fax number. My employee immediately came to me with the number off of caller I.D., and informed me of this. I immediately returned the call to XXXX, and told them I was still trying to get the matter resolved, but they had now over-stepped their boundaries in a very severe way by contacting my office and wanting to verify employment on me. I explained to the lady on the phone that by calling someone 's job and doing an employment verification on them, that that gives the impression that someone is looking for another job. And I told her to NOT fax anything to my office, and to immediately cease all communication with me, and she said that she would. 

On the morning of Tuesday, XXXX XXXX, my supervisor approached me as to why there was an employee verification form on the FAX machine for me, and asked me if it was my intention to be leaving soon. I had to explain to my supervisor as well as my companies regional manager that I was not leaving the company, nor did I have any desire to, and that this was all from a ( what at this point appears to be ) scandalous fraudulent company about a medical bill  that I had. Moreover, the " Verification '' letter they sent, had my social security number on it, and was just lying on the fax machine for anyone to pick up. 

Today is Tuesday, XXXX XXXX, XXXX at XXXXCDT ; and I am requesting and insisting that all communication rather it be via telephone, FAX, e-mail, text message, US Mail, telegram, or messenger from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX to cease effective immediately, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent out a debt validation letter to this company and they sent me a bill statement rather than proper validation of debt. this is not my debt i wish they would remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE 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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX/XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance XXXX {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX 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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT ED/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 2021-09-17
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: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrect information on my credit report.

The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I switched my family plan with 4 lines ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) to XXXX and informed XXXX as thus I also paid XXXX XXXX bill to cover till XX/XX/2021 and yet I received XXXX request to for me to pay {$460.00}. 
I went to the local XXXX XXXX stores since I have no longer have the SIM card after the phone service switch. I went to the stores three times to seek help. Since my credit card got charged with the amount, the XXXX XXXX store representative advised me simply dispute the charge with the credit card company, which I did. 
I was surprised to have received a collection letter by a collection company XXXX claiming I owe TXXXX  for the period till XX/XX/2021. 
I wrote letters to XXXX XXXX customer care and Executive Vice President and Chief Customer Experience Officer XXXX XXXX. Again no response from them. XXXX XXXX  simply engaged another collection company AmSher Collections Services Inc with intention to destroy my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: ALLY FINANCIAL INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A rate was locked at 2.375 % to refinance my home with Ally bank. All steps were followed for data collection and an appraisal was conducted by an outside third party. The appraisal report came back filled with a number of statements that were false ( appraiser stated we spoke a number of times, requested specific information be included, etc ). He came to our home the day of the appraisal, he walked through our home, and then left and we never spoke again. 
I find this to not only have sabotaged a refinance due to a low rate not wanting to be honored but I was also charged the {$550.00} for the appraisal yet no one will explain to me why its acceptable to supply a report that has false information in it. When dealing with such important things such as someone's mortgage I feel that ethics is a very important items to uphold and when a bank can accept false information I do feel its not only wrong but unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: LA
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 been the victim of ongoing ID Theft for the past few years and have had several fraud accounts reported by EQUIFAX I have sent in lots of police reports over the past few years. Equifax has removed and blocked all the fraud accounts. All of a sudden they are all begin re reported by Equifax and every time I call to find out why I get some overseas person who can not tell me what is going on and barley speaks XXXX!! XXXX annoyed that even with a valid police report Equifax will not removed fraud accounts!!! the following accounts were removed and are now back!!! Police know who is committing this ID XXXX and there are warrants out for the person. They will not continue to take police reports on the same issue!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX KEEPS SAYING THESE ACCOUNT ARE XXXX AND THAT THEY VERAFIED THIS!!! HOW CAN THAT BE WHEN THE PERSON WHO STOLE MY ID IS A WANTED FUGATIVE AND IT HAS BEEN PROVEN TO BE ID THEFT? WHAT PROOF IS THERE THAT THEY WERE TRULY VERAFIED? WHY WERE THEY REMOVED AND BLOCKED BEFORE IF THESE WERE REALLY MINE?.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with 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 2022-03-11
Company: EQUIFAX, 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 previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: NAVY FEDERAL CREDIT UNION
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 Noticed Unauthorized Inquiries On My Credit Report. 

Navy FCU XX/XX/2020 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: CA
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:
Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: SC
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've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1. I had a second mortgage on a property that was discharged in a chapter XXXX bankruptcy in XXXX. 
2. The lien on this property was settled and removed in XXXX. 
3. SLS, mortgaging service company, and debt collector, sent a fictitious bill dated XX/XX/XXXX. The outstanding principal showed approximately XXXX but the principal on the bill showed {$1.00}. Despite the principal obviously being XXXX SLS did not acknowledge the chapter XXXX discharge and was falsely attempting to get me to reinstate the debt. 
4. I informed SLS of their error and SLS sent correspondence dated XX/XX/XXXX acknowledging their error and informing me they would update their records. 
5. On XX/XX/XXXX SLS attempted once again to tempt me into reinstating this debt, failed to obey bankruptcy laws, etc. This is a deliberate and systemic collection practice that needs to be addressed.

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 2017-10-31
Company: BB&T CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX XXXX, i did a pay off online for my auto loan. The amount was {$23000.00}. It was accepted successfully, and posted on XXXX/XXXX/XXXX. They closed my account as paid off, i received a payment confirmation statement and email. I never received the title. They called me XXXX and said that i owed on the account i made them aware of the pay off. They said it was returned as an invalid account. I spoke to someone else and they said the account has insufficient funds. I spoke to someone else and they said that because it was a pay off, i had to send certified funds via the mail, or pay in person. On XXXX i went into the corporate office for XXXX XXXX XXXXnd spoke with the manager XXXX XXXX. I paid via check. I once again received a receipt for my payment, and the account ledger showing the account settled. The amount that i paid that day was {$23000.00}. I followed us, and they emailed me the ledger showing the pay off. 
As of today XXXX my account still shows a balance. I once again tried to pay online. I received an approval confirmation. I called tele-check and they do not have any negative information in the system under my social security number. There are no returned checks in the system. They told me to continue to use this checking account for payments.

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