BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX   appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2.  Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.

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 2018-01-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
after making XXXX XXXX dollar payments since XX/XX/2005. only XXXX XXXX has gone to the principal after 13 years. That is definitely wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2 Certified lettershave been sent to TRANSUNION # XXXX and XXXX # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XXXX XXXX, 2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE

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 2021-07-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, XXXX and Equifax as soon as possible as this has been going on for too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.

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 2021-11-10
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER XXXX Balance Owed : {$110.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed multiple accounts displayed on my consumer report that are a violation to my rights as a federally protected 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 explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2018-01-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.

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 2020-12-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account

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 2018-01-29
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a request in writing to Freedom mortgage on XX/XX/2017 to have the PMI taken off of the account. That day I spoke with a representative who said everything on my account met the requirements to have PMI removed. We have paid the mortgage balance to 78 % of the homes value, we have never had a late payment, and we have had the mortgage for almost 3 years. I called back a week later and was told to submit the request again, which I did through a written email. The company acknowledged on XX/XX/XXXX that they received my request and were working on it. I called in a few times and was told by 3 different representatives that my account met all of the requirements and they were not sure what the hold up was. I was also advised by all three representatives I would receive a call when the decision was made. I called again on XX/XX/XXXX and was advised that the PMI was declined because I had not had the mortgage long enough, we needed to have it for at least 5 years. I was also told that we needed to pay the mortgage to 75 % of the homes value. I cited the 78 % as stated in the Home Owners Protection Act and was advised that the 75 % requirement was Freedom Mortgage 's requirement. I called back later that day and asked for a supervisor who was really not able to explain why it was declined. I then asked for his supervisor and was told no one above him was in and that I would get a call back in 24 hours at most. That call never came. I called in again on XX/XX/XXXX and spoke with another supervisor. This supervisor told me he did not see a request was ever put in for PMI removal and I needed to start the process again. I asked for his supervisor and again was told there was no one above him there at the time. I was again promised a call back within 24 hours. It had been 5 working days since my first request for a supervisor call back and I still have not heard back.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It was simple. I paid last payment for XXXX/XXXX  XXXX  in XXXX, 2020 bringing the account to XXXX  and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XX/XX/XXXXbalance in XXXX. I was never told anything was late or due at any point after that final payment. TRANSUNION and XXXX  both have those months in 202 as late 30 or 60 days late. They have not resolved this.

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 2021-07-17
Company: ERC
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 information incorrect

Complaint:
Last mth, on or about the day of XX/XX/21, I finished paying enhanced recovery company. They've said that they contacted the credit bureas, but the bureas still showing a balanced left to be paid on the reporters website. Now, I've sent the reporters a copy of a letter from erc. Still waiting to be updated on their reporting website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, XXXX Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

XXXX as a company should not be allowed to exist. It should not be allow to simply change its name. XXXX board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, XXXX XXXX Experian and similar companies must have comprehensive review and oversight.

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 2021-11-10
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX IS DUPLICATING THE FOLLOWING ACCOUNTS XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are listed multiple times thus keeping my fico/score from increasing. XXXX is not removing all the duplicates which indicates a deliberate hold to keep a person of XXXX like myself from getting a financial break from a lender. This is discriminatory and I have ask for CFBS to help. THIS PRACTICE MUST STOP. XXXX IS GETTNG PAID TO KEEP THE DUPLICATES ON THE NEGATIVE SCARE.

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 2020-12-21
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.

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 2019-09-06
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 did not recognize any of these account and Never applied for these accounts. Please remove all of them from my credit report because its 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: SYNCHRONY FINANCIAL
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I noticed a pending charge from XXXX for XXXX that was not mine on my credit card. I immediately called customer service. I was told that since the charge was pending, he would be able to stop it from being processed completely. I was then told to shred my card and that a new card, and a credit for the invalid charge would be issued. I was immediately locked out of my online account and mobile app. When the new card finally arrived XX/XX/XXXX and I was able to activate it and access my account again, I could see no credit had been issued. I called customer service again, again they wanted to shred my card and issue a new 1, after explaining that had already been done XX/XX/XXXX it was determined that no one had ever done anything about investigating/crediting the invalid charge. I was again assured it would be handled and that a credit would appear on my account within 24hrs. 
On XX/XX/XXXX I called again when no credit was showing, again they wanted to shred my card and issue a new 1, I again explained that had already been done. I was again told no one had opened an investigation or issued a credit. For the 3rd time an investigation was supposed to be opened. I was then told by the fraud dept that they could already see it wasn't my charge, didn't have the correct authenticators, and shouldn't have been processed. ( same thing they said XX/XX/XXXX ). I was told I would definitely see the credit Monday XXXX. I was apologized to for having to call so many times and spend so much time on the phone ( this isn't a 5 minute call - usually atleast 45 min minimum per call ), I was told complaints would be issued for the previous service reps not initiating or completing the inquiry. 
On XXXX I called again when no credit was showing. This time I was told, the inquiry was just opened and they have no information. 
This is ridiculous - usually and even with this company in the past - a credit is issued within 24hrs. I know it may be a temporary credit if the investigation determines it, actually is your charge.

This is NOT the case in this situation. I have been told repeatedly that they can see this isn't my charge and did not possess the correct information to process to my account. I also never use this card for XXXX and don't have any transactions on my XXXX account with this dollar value. This is NOT my charge, NEVER was, and this fact has already been determined by numerous service agents, they just haven't followed thru to correct 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 monetary relief
Consumer complaint received 2018-12-23
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My XXXX year old mother bought 7 {$25.00} bank cards from XXXX on XX/XX/18 as gifts. The name of the card company is netspend. On XX/XX/18 me, my son and daughter which all received one each activated them. The company was told we wanted to use them as a one time charge. After trying to use them which they were all declined. We get in contact with XXXX which sold them. And netspend. XXXX was basically sorry about your luck its not our problem and netspend say they are reviewing the card. On another one they wanted my daughter to send in documents proving that she is who she is. With everything we tried. They could not let us use these cards for the {$25.00} gift cards that they are.

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