BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX 2021

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
2019 debt was settled and no collection was added. They reporting on my credit as collection and is effecting my credit of every living. They are reporting this as a debt and collection and need to be removed by the creditor. By USC code

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Ascendium Education Group
State: WA
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:
As part of my loan repayment plan, I entered into a contract with XXXX. XXXX was working on behalf of Ascendium Education to service the loan. The loan repayment plan was set to automatically debit from my checking account on a specific day each month. No payments were missed. During XXXX, the Covid-19 pandemic occurred. When the CARES Act was passed by the U.S. Government, XXXX sent out a brief notification that payments would be temporarily suspended. There was no request sent in by me for this suspension. In XXXX of XXXX, I received a notification from XXXX XXXX XXXX XXXX, a collection agency who claimed they were working to collect a debt for XXXX ( latest collection letter attached ). I called XXXX on XX/XX/XXXX and spoke with agent XXXX XXXX. He told me that XXXX had ceased their suspension of payments in XXXX when the original CARES act expired. After 60 days, the account was sent to XXXX for collection. He advised me to contact XXXX to get a full explanation. I called XXXX on XX/XX/XXXX and spoke with XXXX, operation # XXXX. XXXX was very combative and argumentative. At several points in the conversation, she actually denied working for XXXX, instead claiming to work directly for Ascendium. Her fallback phrase, " your account is no longer in good standing '' was uttered in response to most of my questions. I asked why XXXX had not resumed their contractually obligated payments when their observance of the original CARES act ended. She refused to answer. When I asked why the account was sent to collections, she uttered her fallback phrase. When I asked why XXXX did not reach out to resume payments they had voluntarily suspended, she refused to answer. Eventually, I gave up on the conversation. As of now, XXXX wants me to enter into another contract with them, using XXXX as a servicer for a Consolidation. I feel this would be a very bad decision but feel pressured to try and get my account back into good standing. What are my options? XXXX has already added {$5000.00} in fees and interest in 2 months and Mr. XXXX says the interest is accruing daily. This debt is growing out of control and right now I see no hope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRUIST FINANCIAL CORPORATION
State: DC
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:
On XXXX my Bank ( Truist ) emailed me a notice of Suspicious activity on my debit card ending in XXXX. I called them to confirm it was XXXX. They killed the card and sent another card to me by mail. I never received the replacement card. 

On XXXX my Bank send me another notice of Suspicious activity on debit card ending in XXXX. This card is the replacement card for the other card ending in XXXX. 

I called the fraud department XXXX and there were 14 fraudulent transactions on my account with the XXXX-card totaling {$4200.00} that were done on XXXX. 
They told me that they killed my card, and they will reissue another card. They told me all of the 14 transactions were pending, and I would have to call back when the charges cleared my bank to start a claim. I called back when the charges cleared to start the claim. They told me that they would do an investigation. 

I got a response from the bank saying that the claim was denied. 
Come to find out whoever set up my initial claim # XXXX put in the claim that I was in possession of the card, which is false. I never did receive the card. So, when I received this information, I called the fraud department again to have them change the claim paperwork. I have called several times in the following weeks, many times not getting through to them at all. Finally, I got in touch with them, and they said the claim was denied. How can they deny the claim if they are the ones telling me about the suspicious activity? 
I never received this card! There were several transactions at merchants who have surveillance systems. They never once reached out to these merchants to look for any proof, so they did no investigation at all. 

I filed a Police report with the XXXX XXXX  Police Report # XXXX Financial Crimes Unit XXXX sent email to XXXX Have not gotten an response back from them at all. 
I would like for them to check the surveillance activity on this day at these merchants to prove It was not me making these purchases. 

I want to be reimbursed for all of the fraudulent charges. {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: PNC Bank N.A.
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 tried opening an account with XXXX XXXX  and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to XXXX XXXX XXXX  so i could find out what's going on and what's the reason for this to be happening. XXXX  XXXX XXXX sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are XXXX XXXX XXXX, PNC BANK, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at XXXX XXXX XXXX XXXXXXXX please and thank you because i really need to get this mess resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: National Enterprise Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter via USPS on XX/XX/XXXXXXXX  from NES of Ohio. NES of Ohio is a debt collector. Prior to receiving this letter from NES of Ohio, I had no knowledge of the debt they claim I owe. NES of Ohio claims this debt is from my bank, XXXXXXXX XXXX, dated as of XX/XX/XXXX. NES of Ohio claims I and my son XXXX XXXX owe XXXXXXXX XXXX XXXXXXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately six checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to 5 or 6 his partners. He told me I would make money by doing so. The very next morning, I checked my XXXX checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local XXXX in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my XXXX bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to XXXX. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to XXXX was paid in full. I mentioned that NES of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXXXXXX XXXX. 

I do not recognize this debt from XXXX because I already paid off the money that XXXX determined I needed to pay back. Prior to receiving this letter from NES, I was never contacted by XXXX or any other debt collectors regarding this debt.

I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. 

If you could please assist me with instructions on how to deal with this unrecognized debt that NES of XXXX claims I owe to XXXX XXXX, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. 

Thank you very much for offering to help people like me. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Retaliatory response as a result of complaint letter filed with CFPB in XXXX against XXXX for in accurate loan payment has resulted in loan servicing transfer to RoundPoint Mortgage. Never received a " Hello '' letter at the beginning of the month, XXXX XXXX XXXX  from RoundPoint. Received billing noticed on XX/XX/XXXX that payment was 2 payments outstanding despite electronic payment made before the XXXX and on time electronic payment to XXXX XXXX XXXX XXXX. I did call XXXX who referred me to RoundPoint. I just want to make sure my credit history has not be damaged as result of the loan transfer.

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 2022-09-23
Company: Experian Information Solutions 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:
This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please Validate, disputed it came back accurate, please prove 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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.

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 2020-02-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraudulent account opened in my name XXXX  {$2000.00} balance

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 2020-01-28
Company: Experian Information Solutions Inc.
State: VA
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:
This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name.

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.

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 2021-02-26
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: Information belongs to someone else

Complaint:
I recently pulled my credit and found an unauthorized account and many unauthorized credit inquiries. I did not GIVE anyone permission to pull a copy of my credit report.

Company response to consumer: Closed with explanation