BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of this year I notice 6 late payments to XXXX XXXX County child support I contacted XXXX XXXX County they admitted their mistake sent me an email explaining it and told me to file a dispute I filed 6 rounds of disputes none of which were ever sent the XXXX XXXX County I then went to the consumer finance bureau have now filed 2 rounds with them I was told for some reason trans Union was unable to open my documents to confirm that there was a mistake made, so now I am resubmitting all these documents to take care of this, included is an email stating that the mistake was the fault of XXXX XXXX County I've included this again. I've also included copies of my passport driver 's license social security card and proof of my address in case any of those are in question

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 2020-07-09
Company: TekCollect Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company can't provide me any documentation that this account is mine. No signed contract. I have written to this company asking for them to prove to me that this info is accurate and it really belongs to me. I have not received anything. They have put a collection on my credit reports and I want the entry removed immediately. This is a bogus company and I need this issue to be resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Placement Services , LLC Is reporting a debt as closed on my credit report. This debt was recently paid in full to the ORIGINAL CREDITOR in exchange for agreement to remove from XXXX XXXX report, and all three credit bureaus. Therefore Professional Placement Services , LLC should not be reporting anything to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Information belongs to someone else

Complaint:
I WENT THROUGH MY CREDIT PROFILE AND MY IDENTITY HAS DEFINITLEY BEEN COMPROMISED. SOMEONE HAS STOLEN MY IDENTITY AND OPENED SEVERAL FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE A VIOLATION OF MY RIGHTS DUE TO THE FACT ITS IDENTITY THEFT. THESE ACCOUNTS ARE CASUING A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUTNS AND INQUIRIES FROM MY CREDIT REPORT.

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 2017-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep se So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX we had our mortgage modified due to job loss and medical reason. The was set to increase interest as the loan matured. Back in XXXX I reached out the XXXX lending as the payment amount was going to increase from {$3300.00} to {$3600.00}. I tried working with the company to refer or modify the loan. XXXX sold the loan to FCI. During this time I was working with a company by the name XXXX to assist with a modification. XXXX advised to stop making payments as they would work with FCI. After about two years of trying to get this worked out I fired XXXX and started to talk with FCI directly regarding a modification. FCI forgave the back interest on the loan. We were caught up with payments until about XX/XX/XXXX. We are currently behind one payment. I have sent FCI information showing my father who is on the loan is on XXXX. He has been on and off XXXX for the last 5 years. The current XXXX is around a year time. During this time I faced job lose 3 time from XXXX to XXXX. I am currently furloughed with my current job as well. FCI has been made aware of this as I continue to seek assistant.

FCI has declined any assistant. In XXXX of XXXX I requested FCI to escrow home owners insurance. FCI declined and as a result has charged me {$310.00} per month for they insurance on the home. 

Our current payment is {$3900.00}. I have made it clear to FCI that  I need my payment lower and they seem to have the idea that they will do cash for key or take the house. 

With Covid 19 and my being furloughed as my father on XXXX, we are struggling to make our payment. we owe about {$580000.00}. The home is worth around {$870000.00}. I have asked FCi to work with us on the past due amount so that we can refi and they refuse. 

I have sent several emails to try and work with them, but they will not budge.

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 2020-05-18
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2020-05-18
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single Chase XXXX credit card because of too many inquiries. Since this, I also tried to open a Chase XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: NCB Management Services Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a request to NMCB Management and the three major credit bureaus on the following dates requesting information regarding an account on my credit report : XX/XX/XXXX ... I sent my initial letter to the credit bureaus XX/XX/XXXX ... I sent follow up letter to the credit bureaus XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a letter directly to collection agency asking for validation of the debt. 
XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a certified letter to the credit bureaus to verify the debt since I am not aware of this account. 
XX/XX/XXXX ... I sent another dispute the credit bureaus due to no follow up. 
XX/XX/XXXX .... I sent a letter right the credit bureaus to provide the method of verification for this debt. 
XXXX ... I sent another letter to the credit bureaus advising them that I was filing a complaint due to the collection agency and credit bureaus inability to provide sufficient information to confirm that this debt reported is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
XXXX {$9600.00} incorrect balance- Balance is Zero XXXX {$3400.00} incorrect balance-Balance is Zero XXXX {$5500.00} incorrect balance- Balance is zero The cards listed above have been paid and remain showing balances. I have contacted the credit company handling it which are all Citibank. They have acknowledge that they are paid in full and will not change that shows I owe them a balance. These accounts have no balance owed.

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 2019-08-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I decided to open a account with venmo XXXX,XXXX the XXXX  , upon signing up venmo ask for your first and last name, venmo does not demand your first legal name and your last legal name... I put my middle names as my first and last name which are XXXX   XXXX  I was successful on sending on transfer to a friend and upon me sending a transfer to bank account that was verified by venmo verification department before I could do a ACH venmo made me verify my identity which I did I put my legal first and last name along with my address and last 4 digits of my SS number, now when my deposit date comes for from my transfer from venmo to my back account.. my back returned the deposit due to the name didn't match my account the name was XXXX  XXXX , I immediately informed venmo of this situation and also informed them that I would will be changing my name back to my legal name which is XXXX XXXX.. why would venmo send a ACH without putting my legal name which venmo verified before even initiating the ACH transfer.. now venmo has frozen my account I don't know where my money is, venmo has asked me to upload my driver's license picture.. which I did with myself in the picture along with a picture of me and my debit card that is under my venmo account.. I have not heard anything back from venmo I have emailed them multiple times the representative doesn't even know why my account is frozen or rather why is there a case even open..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I have several loans with XXXX that were reported late around XX/XX/2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling XXXX some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.

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 2020-11-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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