BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
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:
I requested Transunion delete hard inquiries on my account that are not mine and send me proof. I sent in a certified letter requesting this information be removed and I called on the phone to no avail. They are stating they are mine and can not be deleted. I requested for Transunion to Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

The hard inquiries are XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX/XXXX  XX/XX/XXXX. 



Thank You, 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 2018-08-06
Company: EQUIFAX, 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:
XXXX and Equifax have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. XXXX  claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, Equifax has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. XXXX  you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama 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 2021-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls about collecting a debt, but the debtor 's name they are trying to reach each time is different and the person receiving the calls is none of the people they are seeking, yet they continue to call asking for different people owing money. 

These calls are all identified as Portfolio Recovery on caller ID, but a different phone number is displayed during each call. Examples : XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: ACS Education Services
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: Account status incorrect

Complaint:
The Student Loan Listed as : ACS/XXXX XXXX Date Open XX/XX/XXXX is  reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX XXXX at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items 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 Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide 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.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is a rebuttal to the previous complaint The reason why you do not see the debtors on my credit report is because I validated information and submitted a disclosure statement to them and the debt collectors removed them.

The ones I had removed was the same ones that I filed a dispute with your company and the dispute was rejected. 

This sends a clear message to me that you all are not doing your job and there was debt placed on my report that should have never been there.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Contacted the XXXX in regards to civil report filed on my credit report, I submitted the supported documents needed to help the matter. Instead after a few days of researching TransUnion XXXX XXXX XXXX   reported back that the civil matter was indeed accurate but also noted that the matter was dismissed which doesnt show on the report like they stated it would! This information is hurting my rental approval because instead of deleting the report ; they fail to update the matter where it shows the case was dismissed/thrown from 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 2018-11-20
Company: Experian Information Solutions Inc.
State: ID
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 complaint is regarding the accounts XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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 explanation
Consumer complaint received 2018-02-25
Company: Ability Recovery Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was struggling to make the original payments on an installment loan taken out with XXXX. I called them on XXXX, XXXX XXXX to set up payment arrangements in order to retire my loan on XXXX XXXX, XXXX. They agreed to a payment plan and would allow me to pay {$50.00} once every 2 weeks for XXXX and XXXX of XXXX, and then {$100.00} once every two weeks in XXXX. Today they just charged my debit card 3 times the amount promised and authorized on my card. I did not autorize my debit card to be charged this amount. Now there is no written paper work to show proof of a payment arrangement, the only proof would be a recorded phone call, which is what they do for all of their phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX Litigation Specialist for Bank of America sent a letter stating that the letter we sent in response to the right of rescission found in TILA does not apply to purchase money transaction and reviewed to be that the proceeds of the loan enable us to acquire our subject property which was alleged to be consummated in XXXX XXXX we then are perplexed by the signing of the loan at that time since we have never refinance the home since our purchase date of XXXX XXXX who then signed the documents represented on our behalf. We understand that the mortgage instrument is a statement that real property is collateral for the faithful performance under the note. If the maker of the note fails to perform then the collateral can be sold to satisfy the balance due on the note. But without a valid note that memorializes the terms of the debt, the mortgage is collateral for an obligation that does not exist -- - unless the note is improperly sold to an innocent third party who pays value, in good faith without knowledge of the maker 's defenses. That bona fide third party is protected under the law. 
If the maker executes an instrument that is defective in some way by reference to parole evidence ( outside the assertions made on the note ) then the third party can enforce the note against the maker despite the existence of otherwise valid defenses of the maker of the note. For anyone other than an innocent holder in due course, the burden is on them to prove that the note was merged with the debt. 
So the questions that we need to be answered are these since the issues have not been addressed for those who have pursued foreclosure have used legal presumptions in a twisted way -- - arriving at the conclusion that a debtor need not know the identity of the actual creditor in order for the obligation to be enforced.Our title concerns are that according to the documents provided by Bank of America N.A, is being researched almost monthly so questiondid you hear or see any evidence that identified the party to whom the payments from the borrower were forwarded? 
If not, why did you assume that such a party existed and had authorized the parties in court to act on collateral for the benefit of the real creditor? 
did you hear or see any evidence that connects the real creditors with the parties who appeared in court? 
If not, why did you assume that such a connection existed with an unidentified entity? We continue to challenge the bank to explain to us how the chain of title is so imperfect and appears fraudulent The bank says that the modification offered would amount to XXXX to a new projection of XXXX what happen to the payments of 15 years 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 2018-11-20
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:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: AMERICAN EXPRESS COMPANY
State: TX
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 rewards from credit card

Complaint:
I am an AMEX platinum card holder and I booked a package vacation for flight and hotel to XXXX XXXX. Arriving XX/XX/XXXX returning XX/XX/XXXX. Hotel : XXXX. Flight : XXXX XXXX XXXX. Prior to booking I called amex travel to confirm perks of booking at one of their Fine Hotels and Resorts ( XXXX ) and I was told that we would get : Noon check-in, when Available Room upgrade upon arrival, when available Daily breakfast for two people : {$30.00} per person, per day valid at several XXXX Restaurants In room wi-fi Guaranteed XXXX late check out {$100.00} property credit to be used during stay for spa or dining I called the XXXX to confirm these benefits but was told I did not qualify for these benefits because the reservation that I made thru AMEX travel was booked thru a 3rd party ( XXXX ). I explained to the rep that I did not book anything with XXXX and that it was booked thru AMEX but she rudely told me that I would have to call AMEX.

I then called AMEX and their statement was that because I booked a package deal the perks would not be honored. I don't feel that this is fair because it was not explained to me prior to booking. I also could not find any statement on their website that explained this. I feel that this is very misleading because these benefits are boldly listed on their amex travel website. We are paying {$720.00} annual fee to have this card for the benefits but we feel that we have been mislead and the representative should have thoroughly explained these details. It should also be boldly stated on their site that you loose these benefits if package ( hotel & flight ) is booked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
I have been denied on two separate occasions from opening a bank account because of information chexsystems has provided to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The chexsystems inaccurately depict me as a risk for fraudulent activities. I believe this is because the discriminatory practices of Chexsystem. I am a consumer in good standing and have never had any type of fraudulent activity in my life and have been in law enforcement for 29 years. Although I am trying to open certificate of deposit ladders at a number of banks and take advantage of higher interest rates this should not label me as a fraudulent risk to banks when they do a credit check on me. The discriminatory practices against chexsytems should be stopped immediately. They have effected me financially by withholding my ability to obtain higher interest rates at banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-01-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a hard inquiry XX/XX/XXXX When I have not appliedfkr a credit card. Inquirer date : XX/XX/XXXX. I contacted the company but to no avail. They have failed to return my calls or emails. This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against. The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I feel personally discriminated against and have no other option but to try  CFPB to get a response from this creditor that has treated me so poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is now the second complaint. From a response to my initial one. I opened an account with a {$200.00} bonus, I met the requirements. In fact I called in and verified with Wells Fargo that the requirements were met. My payroll is paid by XXXX XXXX XXXX, so not only does it meet the requirements but its irrelevant as WF customer service has already said multiple times 5+ that I met the requirements and was just waiting for the payout.

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