BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account 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 gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

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 2020-06-06
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:
Ive been 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 2019-07-16
Company: Diversified Consultants, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I left XXXX XXXX XXXX carrier and thought that I would get better value with XXXX. When I came to XXXX I bought my XXXX XXXX to be activated. I did not like the service so I went back to XXXX XXXX XXXX. 

The telephone number I have owned since XXXX. It was explained that I would get a final bill and that would finalize account XXXX account ( XXXX ). I got the bill approximately 2 weeks later and paid in full. This account I was told was associated with XXXX XXXX XXXX. 

Every few months I would get a small bill that would still be due. I pay it and stills 8 months later another balance due, the way it is explained is that I don't pay by the next billing cycle on a close account which I was told was ( XXXX. 

On XX/XX/XXXX, I got another bill for {$370.00}. I called them again asking them t explain why did a balance due for {$370.00}. No one really gave me a satisfying answer. 

I paid the account not knowing at that time they were transferring the balances all along from a XXXX XXXX XXXX XXXX Account XXXX XXXX ) to me. The amount of {$21.00} as of XX/XX/XXXX, which they explained that its residual fees form my closed account ( XXXX ). 

XXXX said that Diversified Consultants are the ones collecting on the account and that I had to report and register a fraud investigation with them. I asked that this be removed off my credit file as of XX/XX/XXXX it is reporting that I owe {$370.00}. Diversified credit said is because I owe the XXXX and if I paid that they would remove. 

They are refusing to refund any monies ( XXXX and Diversified Consultant ) or take it off my credit file overthought they told me the balance was associated with XXXX XXXX XXXX XXXX not anything to do with XXXX as they originally told me. 

If I had not went into the store on XX/XX/XXXX, i would not have known that they were transferring someone-else balance to me and making me liable for it My resolution that I an seeking is to be refund all monies paid and delete this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Pioneer Credit Recovery contacted me, the consumer in XXXX about an alleged student loan debt that I was informed that was transferred to from XXXX XXXXXXXX XXXX. Once I received initial notification regarding this alleged debt, I immediately sent the company a cease and desist and a debt validation stating according to the FDCPA 15 usc1692b and 15 usc 1692 c ( 2 ) and c ( 3 ) that I as the consumer did not give written express consent for Pioneer Credit Recovery to contact me about an allege debt and I invoke my specified remedy to not pay an allege debt that Pioneer Credit Recovery is attempting to collect. Pioneer Credit Recovery was sent numerous letters stating that I am the original creditor and I do not owe any debts. Pioneer Credit Recovery failed to respond under penalty and perjury that this was a VALID debt. Pioneer Credit Recovery continued to send false and misleading letters in the mail which violates the FDCPA 15usc 1692e, Pioneer Credit Recovery made calls to my place of employment and asked the secretary at the front desk, did I work there because they were going to file a letter for wage garnishment which they are in violation in 15 usc 1692b ( 1 ) ( 2 ). In XXXX XXXX Pioneer Credit Recovery sent false documents to my job and requested wage garnishment which is violation 15 usc 1692c ( b ). In XX/XX/XXXX, my job started sending Pioneer Credit Recovery a percentage of my monthly pay which is violation 15 usc 1692d ( 1 ). AS OF XX/XX/XXXX, Pioneer Credit Recovery is in violation under the FDCPA 15 usc 1692 ... XXXX for identity theft for sending false and misleading documents with my information on there that a debt is owed which is violation 15 usc 1692e ( 4 ). Pioneer Credit Recovery is reporting on my consumer credit profile that this debt is being handled by wage garnishment which is violation 15 usc 1692e ( 10 ) and Pioneer Credit Recovery violated 15 usc 1692f ( 1 ). Pioneer Credit has caused damage to my consumer credit profile and has defamed my credit score. Pioneer Credit Recovery also stated that I am a borrower which the term " borrower '' is not defined or mentioned in the FDCPA which is a violation under federal law. I, the ORIGINAL CREDITOR AND consumer is requesting Pioneer Credit Recovery to pay {$30000.00} to the consumer and a {$1000.00} for each violation or the consumer will be forced to place this case in federal court.

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 2019-07-16
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My loan account with BMW Financial Services is past due for the months of XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX payment coming due on XX/XX/XXXX. A payment in the amount of {$300.00} was returned, the account it was scheduled to be drawn from was closed by XXXX XXXX, I received an email today on XX/XX/XXXX from the bank stating so and thus why payment was returned. XXXX XXXX is sending me a check for remaining funds which I will sign over to BMWF for payment on the account. I do not know the exact amount as of yet, I do not have access to account due to closure. Further, I am expecting a settlement check from Wells Fargo for a total amount of {$5100.00}, I have attached a screen shot of an email from an XXXX XXXX with XXXX XXXX detailing this information. The settlement amount is {$3700.00} and taxes are included for the total amount of {$5100.00}, this check will also be signed over to BMWF for payment and I was provided an address to send to via message on BMWF site. The estimated time frame I will receive check is by XX/XX/XXXX according to the email, I will continue to make payments via bill pay through my XXXX  account, I will try to cover the XX/XX/XXXX payment by XX/XX/XXXX but can not make any promises or guarantees. I am still without a phone to call BMWF directly, I do not know if it was noted or not about this, I did mention this fact in prior CFPB complaints. I request BMWF hold off on possible repossession, I will overnight the payments in order for them to post more quickly, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Omnipoint Capital
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Omnipoint about a bill I did not authorize. This is my first time hearing about a bill from XXXX. This company is harassing me for something I dont owe and I will file a sue against this company and XXXX for harassing me for a charge I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 pursuant to XXXX CFR XXXX ( h ) a fraud was committed against me using my identifying information without my authority. I have reached out to the company in regards to being a victim of identity theft and they will not help me. Therefore, I have mailed to you TransUnion everything that is required of me under federal law ; a copy of my official identity theft report with the Federal Trade Commission, a copy of my identification card for proof of identity, as well as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have given consent to ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

If TransUnion finds that there was an authorization or approval for the specific extension of credit, that authorization or approval for the specific extension of credit shall be excluded from my consumer report pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

Failure to adhering to the federal law will be considered willful and negligent noncompliance and TransUnion will be held accountable for its violations. 

Once the account has been deleted from my consumer report, I am requesting an updated consumer report be mailed to 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
Consumer complaint received 2018-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been forced to call Capital One Bank concerning my Capital One Quicksilver card on eight ( 8 ) different occasions due to the fact that their computer system will not allow me access to my account. I am unable to retrieve my balance, pay my bill or otherwise access my account. I have been subjected to a multitude of representatives, all of whom gave me a different story as to why I could not access my account. Over a period of eighteen days, these eight calls have averaged two ( 2 ) hours per call, and on every call I had to start at ground zero, as my previous calls were not properly documented. 
On my last call, I spent 2 hours and 45 minutes being given conflicting stories as to why Capital One could n't straighten out the problem. In order of the calls, on X/XX/18 I spoke to : 1. XXXX ID # XXXX, 2,  XXXX ID # XXXX, XXXX ID # XXXX. Finally, I became so frustrated with the completely different stories I was being told that I threatened to bring the matter to the attention of this agency, the FDIC, my lawyers and the press, at which point they refused to help me further, and shuttled me to yet another department which refused to speak to me if the call was recorded for accuracy. As of the date of this complaint, NOTHING has been resolved. I have no recourse but to elevate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
called to pay my heat bill and was demanded balance in full, after i asked for a payment arrangement i was told that each payment fee was {$11.00} so i asked to mail in payments even offered to send 3 postdated checks for duration of payment arrangement and i was told that if i sent in payments via check that they would report negatively on my credit, like whats the difference? i called back 3 times and one rep was more rude than the last. i asked for a supervisor three time and was transferred to the same voicemail. i am so upset that i want to pay my bill and cant

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( XXXX ) : XXXX was unable to retrieve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not the originator of the enclosed information on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX never late US DEP ED XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX ; XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized

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 2020-06-06
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with cash app ( Square Inc ) with {$400.00} remaining. I have been emailing customer support about this situation for a week with no response. I am unable to send money, cash out, access my funds, or talk to a representative to see what I need to do to fix the issue. My card was disabled by cash app without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX reported to all three credit bureaus ( Equifax, XXXX and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XXXX, Equifax on XXXX and XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. These accounts on my consumer report is effecting my life in devastating ways.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have received a response from XXXX on their full investigation and they corrected all inaccurate information and removed all personal information. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, just to underline a few laws under FCRA you violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of account below has violated me federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Please remove all inaccurate personal information and inaccurate accounts, everything that is highlighted is either inaccurate information or violating my FCRA rights. I will attach copies of XXXX response and my last credit report to prove the information for Transunion and XXXX has not changed and they are continuing to violate my rights as a 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 non-monetary relief
Consumer complaint received 2020-10-21
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a XXXX balance receipt from XXXX XXXX from when the account was settled via payment and ADA laws. I have attached my final receipt from XXXX XXXX. Please remove this forthwith from my credit reports You have 100 % left to pay on this collection.

Balance {$340.00} Highest Balance {$340.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX Creditor Information NATIONAL CREDIT SYSTEMS INC

Company response to consumer: Closed with explanation