BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing a dispute yet again about my Mortgage Servicer Select Portfolio Servicing. I classified them as a collection agency because that is haw the represent themselves yet I have also learned that they are licensed as a lender as well here in XXXX Their standing and how they do things is very confusing to me. 

I had recently been offered a catch up plan with them for the amount I am behind on my Mortgage. I 've filed previous complaints letting you know how I was put in the position of being years behind my mortgage due to multiple delayed modification processes among other things. I have also filed a dispute on the catch up plan. Them amount of the payments is XXXX a month for a year and the a balloon payment of XXXX. I 've asked them multiple times for a breakdown of these numbers. How much goes to the principle, how much goes to their fees, that have racked up on me over the years, and where will I stand at the end of this as far as what I will still owe. All I get is generic responses with nothing but a list of fees they have against me. No breakdown of the numbers witch I need before I start paying so that I know exactly what will be happening. I have had many problems with their accounting in the past. After receiving their response to my last dispute they also canceled the plan saying that it had passed the date I needed to make the 1st payment. That date was during the time I was awaiting their response to my dispute. I have the finances to complete the payment plan but I really need to know where my money is going. 

I have also suggested that we could negotiate a principle reduction so as the keep everything straight without various payment plans. They say the investors that own my loan are not interested in that. Seems they are only interested in foreclosing. 

I also talked with them about an all encompassing settlement to the amount owed. They agreed it could happen yet refuse to tell me what they would actually settle for. Seems they want me to propose a settlement number myself. Leaving me to kind of guess at numbers that they may accept. Seems odd to me.
I just want to get out from under these people and I want to do it in a way that will have some finality. They only have one thing in mind. Foreclosure!
Please take record of this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. US DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}

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 2018-11-16
Company: AMERICAN EXPRESS COMPANY
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:
XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Its now been 2 years since this company took me to court to sue me. I appeared in court and the debt was discharged. 
This company continues to put in my credit report and has made me not eligible to seek other credit advances. I have disputed this account over 10 times and still its on my credit report. XXXX is the one company that the charge off is record it. I say again I have spoken to this company several times Again I had appeared in court what happens when someone credit is messed up could I sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax is showing closed accounts as open and revolving. I filed dispute on XXXX would like Equifax to make corrections and update my credit report with correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Credible Labs Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
" Credible.com '' offers a best rate guarantee ( terms attached ) that pays {$200.00} if you close on a better rate at a different company. I made a Credible loan refinance search on XX/XX/21 ( results attached ). The best rate offered was 3.32 % from XXXX XXXX ( details attached, note that rate includes " auto-debit discount '' ). 

On the same day I made an identical search and was offered a better rate from XXXX of 3.10 % ( search results attached ) for the same loan information entered at credible. I chose to refinance with XXXX and submitted a claim with credible. Upon receiving my loan agreement from XXXX I submitted that to credible ( email and XXXX terms attached ). 

On XX/XX/21 I received an email from Credible denying the request citing that my rate from XXXX was actually 3.35 %. This rate does not include the the auto-debit discount of 0.25 %. Per the best rate guarantee terms " The Better Rate will be compared against your prequalified rates on Credible with autopay considered where available ''. I replied to their email pointing out their error and that I was eligible. They have replied to no further correspondence since i pointed out their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-29
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
OnXX/XX/XXXX, I received a debt collection letter from A.R.M. Solutions, Inc. about a {$19.00} debt from their referenced client XXXX XXXX XXXX ( XXXX ). I returned the original letter, wrote them a cease communications letter and sent them via certified/return receipt mail onXX/XX/XXXX. <P/>A.R.M. Solutions, Inc. received my documents on XX/XX/XXXX. In my cease communication letter, I explained them I will be contacting XXXX about this debt and I do not want to deal with A.R.M. Solutions, Inc. <P/>The debt was written off sinceXX/XX/XXXX when I called XXXX. <P/>A.R.M. Solutions, Inc. ignored my cease communications letter and sent me another debt collection letter which I receivedXX/XX/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 2022-05-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Information belongs to someone else

Complaint:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


I reported the theft of my identity to the Federal Trade Commiss and I also have enclosed copies of the Federal Trade Commiss Identity Theft Affidav Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband filed identity theft forms with the Federal Trade Commission because we were notified of an unauthorized account from XXXX XXXX, who sold the account to Capital Management Services , LP and is demanding payment for a delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Public record information inaccurate

Complaint:
This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's 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 2022-05-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I lost my license over a year ago. I have near inquiries on my credit report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I lost my license over a year ago. I have near inquiries on my credit report that needs to be 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 2017-10-20
Company: Allied International Credit Corp., (US)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Allied International Credit Corp, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX The letter is a debt collection letter with threats on taking the debt to court if not paid immediately. However the letter does not give any details on what the debt is for. It only states its an XXXX purchase debt. I checked with XXXX and I do not owe any money hence this is a fraudulent letter and fraudulent debt claim. 

I 'm filing a complaint in hopes to help others that may receive a notice like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days 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 demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

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 2019-09-13
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served with a Summons to Answer in the third week of XXXX, with no prior notice. 15 U.S. Code 1692g indicates that they must send an initial g letter, and allow up to 30 days for me to respond. I have  no information about this debt. I attempted to obtain information from the original creditor, as claimed, by the collections agency, but stalled, delayed, and given the run-a-round, with no information about this debt has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I sent a letter to Equifax stating I never provided a written or verbal authorization to the following companies to run my credit report. The specific companies involved detialed on my report are : 1. XXXX 2. XXXX  XXXX XXXX and 3. XXXX I additionally sent a request of validation of written or verbal consent to access my credit report. 

On XX/XX/2018 I called Equifax to inquire about the documented the dispute. Equifax did not show proof of authorization and did not remove the inquiries from my report. 

I have attached the certified letter with proof of delivery that Equifax received and signed for the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor Victorias Secret has been trying to collect a debt which is not mine for approximately a year. In XXXX it appeared to have fixed the issue but again commenced in XXXX of XXXX  to collect an amount for an account I do not have. This appears to be Identity theft but Victorias Secret is not doing anything about it. They know it is not my account but continue to service it with someone who is not me. I do not have a Victoria Secret credit account. I have pleaded with them to please correct the issue and to ensure it does not affect my credit bureau reports. To no avail. I formally request the intervention of CFPB in Resolution of this out-stounding issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: HI
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:
It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, Transunion, XXXX XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, Transunion, XXXX XXXX XXXX on a 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 2021-04-14
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/2021 an inquiry was removed and I lost 45 points?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, was working with JPMCB. During this credit transaction, they have shared my private information and violated my consumer rights. This has caused me great stress, and has limited my ability to act as a consumer. They have not validated this debt according to 15 USC 1692g. They have violated many rights as I will show below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused 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 explanation
Consumer complaint received 2018-07-07
Company: Medical-Dental-Hospital Bureau of San Antonio
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 status incorrect

Complaint:
XXXX & XXXX is reporting an outstanding balance of {$120.00} that I am unaware of. It states that the original creditor is XXXX XXXX but I have no knowledge of a balance due. I have not been given a statement and when requested a validation of debt, was refused one to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I went on a run and lost my phone which has my bank account app on it, which in turn has XXXX built into the bank app. I was able to retrieve my phone on XX/XX/XXXX, however, I found someone had authorized a XXXX transaction on XX/XX/XXXX within my bank app of {$360.00}. The payment was sent to an email that I have tried to contact with no response. I filed a complaint with my bank and have been denied. This was not an authorized transaction whatsoever and would appreciate my money back. XXXX is a great tool for family and friends, but unfortunately, I have now learned it's a great tool for thieves as well.

Company response to consumer: Closed with explanation