BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an accident on XX/XX/XXXX that XXXX XXXX XXXX and left me XXXX. I applied to Social Security XXXX insurance and have been denied twice. My lawyer filed an appeal for a court date on XX/XX/XXXX and stated that it could take up to fifteen months to receive this court date. I received a court date of XX/XX/XXXX. Once approved for Social Security XXXX, I will receive {$2300.00} per month. I begin receiving {$2200.00} per month, XX/XX/XXXX, from my military retirement. My wife earns {$2100.00} per month from the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I begin to fall behind on y mortgage due to the lack of income. LoanDepot begin to work with us on a loan modification on XX/XX/XXXX. LoanDepot granted me a forbearance that included XX/XX/XXXX to XX/XX/XXXX paying {$1200.00} per month.
LoanDepot has asked for information and we have sent 4 different packages to them at 4 different times. We just sent more information to them on XX/XX/XXXX. XX/XX/XXXX LoanDepot filed to start the foreclosure process. The process will conclude on the XX/XX/XXXX with the sale of my house. I believe we will be able to reinstate the mortgage once I get approved by Social Security Insurance and can pay our mortgage every month on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, XXXX credit card transactions totaling {$1300.00} was reported to Chase immediately as unauthorized transactions because I received automated notification of suspicious activity. Today, XX/XX/XXXX I received a letter from Chase saying these are valid charges even though these were unauthorized transactions in which I never benefited or received anything from these two transactions. I also never authorized these transaction and promptly reported my card and identification stolen to Chase. Chase has not provided any signature receipts or any type of evidence to back up their flawed conclusion, only a letter which is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2017-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY
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 recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted  ARs and they informed me that they are were not reporting information on me to XXXX. They claimed that XXXX is wrongly matching their record to me. So i contacted XXXX and they opened a disputed case for me with ARS. XXXX claimed that they only report what ARS submits to them. ARS says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find XXXX unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.

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 2017-08-22
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: Public record information inaccurate

Complaint:
I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX datedXX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

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 2017-08-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the Florida XXXX XXXX XXXX XXXX their license has been revoked/voided, on XXXX/XXXX/XXXX. All XXXX credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XXXX XXXX, XXXX XXXX says XXXX XXXX, and XXXX  XXXX XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XXXX XXXX, this is a re age of a account already posted for a delinquency year of XXXX. They added this to all XXXX credit bureaus also, and I do n't owe it, period. I contacted XXXX on XXXX/XXXX/XXXX and they removed XXXX out of XXXX collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From Equifax report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
In accordance with the Fair Credit Reporting Agency, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. This proves that my credit was fraudulently used by someone other than myself. The active date is inaccurate and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done any business with XXXX XXXX XXXX XXXX. The company is claiming that I owe money to them. I have never had an account with them.

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 2017-08-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I applied for the America Express " XXXX XXXX XXXX '' card. I was declined with a credit score of XXXX as I am a XXXX building credit. I feel that the selective process in which America Express used to decide my creditworthiness was not fair. I am a XXXX XXXX in my late XXXX. Honestly, from my perspective, the credit industry as a whole is flawed to the point that it is a disgusting degenerate sore in our society. The percentage rates for people building credit are unfair to the point I feel like a third class citizen. This feels as if the credit industry has the right to be credit XXXX for the lack of a better term. I contacted American Express on XX/XX/XXXX at approximately XXXX XXXX. to dispute the declined status on my creditworthiness as I do not agree with it. American Express listed off several reasons why they declined my application for credit ; the most I took away was that my credit score of XXXX was not good enough, and the representative said those exact words.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from SOUTHWEST CREDIT SYSTEM for {$510.00} for XXXX. I have no knowledge of this collection account and never received any written notice of how to dispute or settle the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical debt went into collections on XX/XX/2022. Once I realized it had gone to collections, I paid it off on XX/XX/2022. It posted on XX/XX/XXXX per the debt collection agency. On XX/XX/2022, this debt reported as derogatory on my XXXX account. I called on XX/XX/XXXX to get them to correct the error and show it being paid in full so it would go ahead and fall off my credit. I expected it should take a few days for them to process the payment, I was just unsure why they reported the derogatory after I paid it and before the 6 month reporting window for XXXX XXXX debt was expired ( now extended to 12 months ). I was told by them that they were over a month behind on reporting to the agencies and it would be done by the end of XXXX. This has already damaged my credit score lowering it over 30 points, and I tried to get the collections agency to report it as paid in full so the bureau would remove it as per the new law and they stated it was company policy to report all XXXX XXXX debts within 30 to 35 days of receiving them and that their policy did not apply the 6 month ( now 12 month ) waiting period for medical debts as per federal law. Prior to all this, they failed to mail all required disclosures to my home address as they had the incorrect address so I was not notified until later.

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 2017-08-22
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I used XXXX XXXX as my cable and internet carrier for approximately two years prior to this alleged debt. Approximately XX/XX/XXXX I transferred service to my roommate at the time in which they had been paying the bill for 2-3 months prior to the transfer of service into their name. I made the XXXX agent that was handling the call that the service was still in my name but the other party had been paying the bill and I just needed to switch the service into the other party 's name and during that call I also made sure the agent was aware that I had not been making the payments but the other party was making payment and the amount due was current at that time and made sure that I was not going to incur any charges in my name and the agent assured me that I would not incur any charges as the service would transfer out of my name. I recently have found that this matter has been transferred to collections and in XX/XX/XXXX or XX/XX/XXXX called Diversified Consultants Inc. that is the collection agency handling this case and made them aware that I did not owe this debt and that i wanted to dispute this matter. I never recieved notice from XXXX that I allegedly owed them anything or this would have been handled at that time. I am not responsible for this debt and the agent handling the call years ago was made very clear of that and assured me that I would not owe anything and that it would simply be a transfer of service and that any remaining balance would carry over into the other party 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2021-08-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have an account with PayPal since 2001 and it is in good standing. I made a purchase from XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX for {$99.00}. I used Paypal for the payment to protect me from fraud. When the item didn't arrive, I contacted the seller but their website and email was no longer working. I made a complaint with PayPal but my case was declined because the seller provided XXXX tracking information. I noted that the tracking information showed the weight of XXXX lbs when the weight of my purchase should have been more than XXXX lbs. I also learned that PayPal has been aware of this scam for several years. The scammer purchases a shipping label and then alters it with a different delivery address with the same town and state. I attempted to escalate my complaint and PayPal agent told me to obtain a delivery confirmation from XXXX. PayPal KNOWS that XXXX can not provide a confirmation of delivery address to me because I am not the shipper. My agreement is with PayPal, and PayPal must provide me with confirmation of the actual delivery address or refund my purchase. That is part of PayPal buyer 's protection.

Company response to consumer: Closed with monetary relief