BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors 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 deleted immediately. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).

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 2017-12-14
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from Experian, 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 2021-11-03
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I received an email from XXXX XXXX XXXX XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.

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 2021-11-03
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capio partners reported a debt on my credit report in the amount of XXXX XXXX XXXX XXXX XXXX. For one, I have never received a notice from Capio Partners in the mail that I had the right to dispute the debt or any validation from them regarding this debt. This was reported on my credit report without notifying me or sending me anything in the mail. If I would have received anything, I would have been able to contact them and let them know that I had I insurance to cover this bill and XXXX XXXX had a billing issue. 
They violated the Fair Debt Collection Practices Act by not notifying me that I had the right to dispute this alleged account nor did they validate this account as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX, sent a letter which was received on XX/XX/18, being the first communication with the company claiming it was collecting on claimed debt, on behalf of Indiana University. They claim a total debt of {$5200.00}, which I plan to fully dispute. As of Today, XX/XX/2018, I have not received a written notice containing information of a 30 day period to write the collector back for validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 809, ( a ) Notice of debt ; contents, Subsections 3 through 5. The initial communication letter did not contain the proper notice either. I have not taken any action as of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: OH
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:
There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.

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 2021-10-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX commenity bank is terrible customer service. I had returned an item I purchased and the amount was credited back on the account. I made an initial payment with a representative and the wrong account digit was entered the payment was never processed and i was never notified of this. I then recieved a 2nd statement, a late fee and a finance fee. the finance fee was chanrged due to representative not completing the correct payment digit on my bank account and i was held responsible for this. the comapony told me there was nothing they can do and i was responsible for it. i then was never notified my accunt number changed in their system transfer so upon calling in to follow up with so much trouble a represenative could not access my information because i had an old account number. the commentiy bank has terrible customer service. very unclear communication. statements can not be accessed online because the web site will not let me access password reset. there is no represenative who can give me a full account number. this whole process is a nightmare and very difficult to get a straight explanation from peole who work for the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into an apartment called XXXX  XXXX XXXX  XXXX, and signed a lease with this apartments, sometime around when I moved out this apartments renamed themselves to XXXX   XXXX XXXX XXXX. after moving out the apartments said that I owed them money, which I don't agree but they say that I owed them a months rent, as well as late fees, and clean up fees. this amount they claim I owed was XXXX At some time after this they sold this debt to IQ Data International and this company repeatedly called me to collect this debt. 

Finally I got a lawyer to try and settle this debt, and they have sent a letter requesting an amount to pay, this amount includes interest, as well as a statement saying I would be charged annual interest at 6 %. 

I had never agreed to pay any interest to the apartment complex or IQ data systems. 

However the amount reflected on my credit report is much higher than the amount the apartment complex has said that I owe them. 

The IQ Data Intonational has apparently decided upon themselves to charge me interest as well as put this on my credit report, which is showing I owe around XXXX dollars which is well over the amount the apartment complex says that I owe as well above any amount this IQ data international company would be able to prove i owe with any debt validation letter or statement. They have just decided they can charge whatever they want without any legal basis. ( see attached files for the " debt validation '' as well as a statement from them ADMITTING they are charging me interest on a debt that's not legal for. also notice on my credit report they have reported an amount higher than the debt validation document that I have attached which is clearly an illegal practice by them ) Also I had disputed this debt with the credit agencies some time ago, and never received any documentation at that time or for months afterwards validating this debt, yet they have not removed the debt and have continued to call me to collect the debt. 

Also when they have called they have been quite rude and sarcastic. 

It is my complaint that they are breaking the law by placing on my credit report, as well as asking me to pay an about well over what they are entitled to, I have a letter from them saying they will charge me interest, which is not legal, and they have no legal basis to do this, yet they have done it. As well they have put on my credit report an amount well over the amount owed, which I can only assume is also some sort of interest penalty which is again not legal, was never agreed to and is a blatant disregard for state and federal laws which show this does not apply to an apartment complex contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-06-13
Company: Navient Solutions, LLC.
State: NY
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 tried to make a payment with Navient on XX/XX/19 online. When I went to the website, there was a posting that the site would be down for the weekend for system updates. I called the Customer Service number and received an automated message stating all systems were down for maintenance, including the automated system ; therefore they Customer Service Dept was closed. The call then promptly disconnected. I tried to reach Navient throughout the day on XXXX and was only able to get through the website after XXXX on XXXX. I then submitted my payment. 

Since my loan accrues daily interest, I called the Customer Service number on XX/XX/XXXX to have my payment pre-dated. I was told that was not possible. I then asked for a credit to be applied to my account for the extra interest I would be charged since their systems were down and I was unable to make the payment when I had intended. I was also told that was not possible after speaking with a manager. 

During the weekend of XX/XX/19, Navient made thousands, if not millions of dollars, in daily interest charges by not accepting payments from customers during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: AR
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:
ONCE AGAIN I CANCELLED XXXX   MEMBERSHIP XXXX AND XXXX IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: The Commercial Collection Corporation of New York, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2021 I received an email to my personal email account from XXXX XXXX from Commercial Collection Corp of NY concerning the amount of {$5200.00} which the party stated I owed to concerning a tractor ( truck ) lease from XXXX XXXX XXXX XXXX. In the email the legal threat I bring into question I will quote " In order to avoid further collection activity, this matter must be resolved on an expedient basis. '' I take this as a means of destroying or defaming my namesake, or the namesake of my business ( XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. Now I will begin with the authentic details of this debt. 1. Does the party have all wet ink signatures of any contracts or documents pertaining to this debt? 2. Why did the party not submit a letterhead dated formal writing about this debt? 3. What is the actual amount owed and where is the proof of the amount owed? The representative of Commercial Collection Corp of NY, a XXXX XXXX sent an email with details that could have been intercepted by any party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In my credit record it shows me that I have a XXXX XXXX card worth {$30000.00} which does not belong to me, at no time have I shared my personal information or any other information so that this account appears in my report. 

There are so many errors in this account that only the transunion reflects is not an account that the 3 credit agencies verify so any information about this account does not belong to me at all.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Called and sent several disputes to TransUnion on XXXX/2020, XXXX/2020 and XXXX/2020 asking for verification on the dates and inaccurate information on a bankruptcy. And havent received anything back contacted bankruptcy court and they stated they can not provide in documents to third party company which TransUnion has not verified none of the inaccuracies and has not provided me any documentation on their 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 2021-11-03
Company: M&T BANK CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX  # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2023-01-24
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
LexisNexis is reporting incorrect claims to my insurance company.

Company response to consumer: Closed with non-monetary relief