BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On XX/XX/XXXX sent dispute to TransUnion and XXXX concerning a collection from XXXX XXXX- On XX/XX/XXXX I was advised TransUnion deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX/XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
TransUnion/XXXX  finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring

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 2018-09-06
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:
The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX Holding company made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX  XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes

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 2018-09-06
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services , Inc. is attempting to collect a debt for a creditor named XXXX XXXX XXXX XXXX, which is my mobile carrier and I am in good standing. 

When I question them about this debt, they then say this is for XXXX XXXX XXXX XXXX XXXX. 

I contact XXXX XXXX XXXX XXXX life to have them provide security services for a home. They were not able to install the service when required, subsequently, nothing was signed, nothing was installed and the service was NEVER activated. I am not able to get any on at XXXX XXXX XXXX to address this issue.

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 2018-06-20
Company: The Outsource Group, Inc
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently disputed a collection account that was on my report from XXXX XXXX. It had dates and charges I didn't recognize. I sent them a certified letter on XX/XX/XXXX and they received XX/XX/XXXX. I requested for them to investigate the account they had on my report as I have never done business with them or any XXXX XXXX XXXX XXXX. I have never been to an integris XXXX XXXX XXXX nor do I even live or have ever lived in XXXX XXXX. I asked them to provide DOCUMENTATION that the account belonged to me with signatures and any identification that was taken so we could track down who was behind using my name or have a similar name to checking into this hospital. 2 days later is the response I got They sent me a letter that I received on XX/XX/XXXX stating They determined the balance on the account is accurate and my responsibility. No documentation or anything.

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 2021-10-31
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: Information belongs to someone else

Complaint:
This balance was previously with XXXX XXXX XXXX and was unable to be verified in XXXX or this year. I have no knowledge of this and would like it removed.

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 2018-09-06
Company: National Credit Systems,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: Account information incorrect

Complaint:
I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX  XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later National Credit Systems contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I one day noticed my paychecks were smaller and called HR. Then found out that there was a garnishment for {$4000.00}. I NEVER received notification. I called the lawyer who was doing it and they said it was for a debt from a bank in which I closed my account back around XX/XX/XXXX-XX/XX/XXXX and withdrew all my savings of {$8000.00} and asked the teller if we were good and she said yes. The bank had went out of business not long after. I asked what the debt was for they said an old account of a little over {$1000.00} with the bank. I told the woman I closed my accounts when I was moving and remarrying so did not see how and they never notified me of the debt to try to set up a plan or prove it or even of a garnishment. They have taken well over $XXXX XXXX  already and still harass me. They also told me when I called them that they have another debt from a XXXX bank with an old boyfriend. I told them I never had a XXXX XXXX account. And not with him either. I called XXXX and they said they NEVER showed me having an account either or debt. I asked them for proof and they refused and are threatening to garnish it too. This law firm is taking {$4000.00} from me and never notified me or provided proof on a debt with no evidence or even tried to work with me and I am a single parent dealing with XXXX and XXXX and they are rude and always threatening. Plus we are talking over 13 years old and a bank that is long out of business. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
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:
Hello, I need your help to update my mortgage account information with the lender as well as the three credit bureaus because there is still some out-of-date data with them. 

In early XXXX I activated a forbearance plan offered by the lender of US Bank by mistake and then cancelled it immediately as I didn't need it. Thus there is no one single payment that has been delayed or missed. However, that resulted in a severe consequence that no new mortgage loan I can get. 

I had tried to contact the said lender and the XXXX credit bureaus, requesting them to remove the out-of-date information of the deferred plan with a letter from the US Bank dated XX/XX/2020 confirming the termination of the said plan. Unfortunately the information has not been updated with the lender and those bureaus till now. To be worse, the recent credit report even shows that a deferred pay start date will be XX/XX/2020. 

Therefore, it would be appreciated if you would help me update my mortgage account information with the lender and the three credit bureaus at your earliest convenience.

Should you have any questions, please feel free to let me know soon.

Your attention and assistance to this matter would be much obliged.

Yours sincerely, 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 2020-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
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 always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ABR recovery services has tried to illegally " reage '' and " park '' and old debt onto my current credit profile. I have received a letter from the original creditor showing both accounts have been closed since XX/XX/XXXX and XX/XX/XXXX. They are past the statue of limitations. ABR recovery service has now knowingly reported false information to the reporting agency of XXXX. If these accounts are not removed I will now seek legal counsel against ABR for illegally and knowingly reporting false dates, balances, account numbers and account delinquency year to XXXX credit agency.

Please see attached letter from the original creditor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: PA
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 am moving to a condo complex in XXXX that uses XXXX for all of their condos. Getting XXXX basic cable and internet is required per our lease. I contacted XXXX to receive the equipment needed and was told to provide my social security number. I declined and was told they need it for credit check or that I would need to pay {$100.00} deposit for the equipment I would receive. I said I would prefer the {$100.00} deposit and did not want them to run a credit check, therefore declined to provide my social security number and date of birth. 

I received noticed that a new inquiry had been opened through Equifax through XXXX XXXX on XX/XX/XXXX according to XXXX XXXX and on XX/XX/XXXX through XXXX. I did not authorize them to do this. Looking on XXXX XXXX it has been listed as a Hard Inquiry and has decreased my credit score. The address the inquiry request originated from is : XXXX-XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE I called the company on XX/XX/XXXX and was not given a response and was told they have never heard of this before. Through some basic XXXX search, found this has happened a number of times to others where XXXX ran hard inquiries without authorization from the customer. I have not been contacted back from XXXX as they said they would

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to Experian and XXXX  for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked Experian and XXXX  for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like Experian told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to Experian And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed

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 2019-02-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX XXXX XXXX XXXX  - available : XXXX XXXX XXXX XXXX XXXX XXXX  -available : {$10000.00} XXXX XXXX XXXX XXXX - available : {$8900.00} XXXX XXXX XXXX- available : {$9000.00} XXXX XXXX- available : {$5200.00} XXXX XXXX XXXX-available : {$1000.00} XXXX XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX as sustituted trustee scheduled a private trustee 's sale ( # XXXX  ) together with Select Portfolio Servicing , Inc. without compliance of the applicable laws.

I requested specific documents, and statutes under the applicable laws on XX/XX/2018 ( and also in XX/XX/2018 ).

SPS responded that they'll provide requested documents and statutes within 30 days, which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage serviced by Rushmore Loan Management Services. 

I am trying to refinance thru a mortgage broker, who asked for a written explanation of a line on my mortgage statement, titled, " Deferred Balance '' in the amount of {$22000.00}. 

I've communicated with Rushmore via phone several times over a month, with conflicting answers given me by staff and management.

I'm now at risk of losing a lower mortgage rate and feel Rushmore is being evasive and not acting in good faith.

We ask that Rushmore send an explanation in writing via the FAX number they have listed in my account notes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complanit is about how upset and concerned I feel about not receiving anu response from USAA Savings Bank. Back on XXXX, I sent them a dispute letter with all the proper documentation. I havent received any response or acknowledgment of my dispute. 

The involved accounts are : 1 ) account # XXXX, opened date XX/XX/XXXX original balance {$9300.00}. 2 ) account # XXXX, opened date XX/XX/XXXX, credit limit {$11000.00}. 

USAA is being negligent, unfair, and has committed some other violations to the FCRA, such as inconsistent credit reporting across bureaus, and reporting inomplete information. They have also failed to do the propeer investigation on this case, which looks like is not even a case for them. 

I am demanding the removal of the mentioned accounts. 

Thank you very much, CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: AZ
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 asked for validation of this debts multiple times. They keep saying it vaildated without sending my documentation I am requested. By law they are suppose to have my contract on file. They are breaking the federal law by not proving this debt is mine and keep reporting it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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:
On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX  breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudulent account tp be removed. I have attached my Drivers license and the FTC reports

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 2018-02-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.

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