BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now

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 2017-05-29
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification/validation of the debt or removal twice. Once I requested the informati on Direct Management colle ction agency letter back to me saying they did not believe it was me so they would not respond or verify. So, I sent another letter requesting the same information and got it notarized to prove that it was me requesting information with my signature on it and stamped by a notary. But, they still sent the same response back to me by refusing to verify/validate by saying they do not think I am the person requesting the information. I felt me getting my letter notarized would definitely prove to them that I am the one who is writing a letter requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: SD
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:
On XX/XX/2021. I had previously lost my job of employment. I opted into my credit protection plan that I pay for monthly with my XXXX XXXX Credit Card Account. I have had many complications with the company in the past. However, I do strive to have a good business relationship with them, and to keep my account in good standing. Some miscommunication occurred recently on both my accounts. I was informed that I was mailed out forms to fill in regards of my loss of employment. I'm not sure what the letter stated as I never did receive the letter in my mailbox at the address, I have on my credit profile. After I did not receive the letter XXXX XXXX Credit Card went on to report delinquency on both my credit card accounts. After I have been enrolled in credit protection on both my accounts for only XXXX to XXXX days. I do not understand why they needed the same information I had just provided to them again in such short period of time. Due to me not receiving the letters sent in reference to my credit profile my XXXX XXXX dropped XXXX plus points and is now in the red on both my credit card accounts. This has also affected my other credit card account with their carelessness. My Macy 's credit card is one of my best credit card accounts that help boost my credit score and keep my credit healthy. This account has been compromised due to XXXX XXXX carelessness on both my credit card accounts. Due to XXXX XXXX negligence my XXXX 's account was compromised after being in good standing for years. My credit limit was dropped due to the information XXXX XXXX Credit Card company reported inaccurately. I am having to work now to try and get my account at XXXX 's back to the way it was at first before the neglect XXXX XXXX has acted on in regard to my credit report accounts.

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 2022-10-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing my credit report with transunion and XXXX, I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.

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 2020-03-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating that I owed {$2500.00} to Citibank a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on 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 2022-03-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. 
On XX/XX/2021, I received texts and emails from Citibank notifying me that my account was being charged from another state. As soon as I click NO on the YES/NO quick respond feature, I received a phone call from Citibank Fraud Protection Department , a male  agent told me that this conversation was recorded and my account was temporarily blocked and a replacement card will be sent to me in a couple of days to my verified address and he instructed me to activate it in order to have access to my account again. He said that my account has been taken care of and need not worry and in the meantime, I might receive more notifications from my account via text or email, just ignore them. I received this phone call late evening. the next morning I received texts and emails notifying me that I sent {$2500.00} out two times to someone that I don't know via XXXX ( I'd never enable this service with Citibank ). I called Citibank right away and report it and open a dispute ( reference # XXXX ). Citibank took my case but then denied it. I contacted Citibank and reopen the dispute again ( Reference # XXXX ) and I got the same result. My Citibank credit card also got unauthorized charged 2 days later, it seems like my Citibank accounts had been manipulated by hacker or insiders. Now i'm reaching out to CFPB for help, please help 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 monetary relief
Consumer complaint received 2017-05-29
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to switch my television/internet/phone services to  XXXX  around  XXXX   2014 . I had  XXXX  working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with  XXXX  as I did not have properly working services and I was always bounced to my previous provider of  XXXX  to handle the issue, in which they could not because my services were taken over by  XXXX . I spoke numerous times with  XXXX  technical support and porting services and to no avail services were not fixed and I switched back to  XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with  XXXX  customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts XXXX times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SETERUS INC is reporting a delinquent account. XXXX XXXX on my credit profile that has exceeded the statute of limitations. The account was to be remove XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Balance XXXX {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I'd like to make a complaint on XXXX XXXX of I.Q. International Data , Inc. 

This collector has been extremely rude, overly aggressive, and in violation of the FDCPA. 

After speaking with him and him being so belligerent and rude I asked not to be contacted by phone again. This was on XX/XX/2019. At that time I provided my mailing address and asked for all future correspondence to be sent via mail and NOT to call me again. XXXX then proceeded to make an outbound call to me on XX/XX/2019 again, despite me asking him not to call again. For the second time, he was so unbelievably rude and aggressive that I disconnected the line and called back asking for a supervisor after he repeatedly demanded that I provide him with attorney information. 

I spoke with XXXX XXXX of I.Q. International Data , Inc. who is one of the supervisors there. I informed him of how belligerent Mr. XXXX had been and he advised me at that time that all future calls I made to the company be addressed to him as he would be more than happy to assist me considering I'd had such a difficult experience dealing with his representative. 

Yesterday, I called I.Q. International Data , Inc. to pay my account off. I was directed to XXXX, despite asking for a supervisor or XXXX. He then proceeded with yet another belligerent interaction with me and refused to allow me to speak with XXXX or another supervisor despite my several attempts of asking. 

Something has to be done about this guy. Regardless of owing a debt to a company, it does not constitute an agent to repeatedly disrespect, antagonize, or belittle me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 non-monetary relief
Consumer complaint received 2018-12-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
this is my fourth attempt to resolve this issue with XXXX  and Experian, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.

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 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Case # XXXX and XXXX. I am up loading an Bank of America online statement with the new account # ending in XXXX and the original account # ending in XXXX. The online account {$89000.00} owed and minimum payment due {$29000.00}, make payment. 
Finally, I received a phone call from Bank of America, XXXX, on XXXX/XXXX/16, I believe from XXXX XXXX at XXXX for 1.25 minutes. I asked him if we were being recorded for Quality Assurance and he said yes. Also, I told him that he was being recorded by me for Quality Assurance. XXXX XXXX said that he did n't know what I was going to be using my recording for and I told him the same as him, Quality Assurance. XXXX XXXX said that he did n't want to be recorded and he would send me a letter. If I call him we could talk without me recording him but he would record me. I have been calling Bank of American about them seeking money from me and I received a discharge and the house was sold in a Federal Bankruptcy Court for five years and they always record me and do nothing. In order to have Full Transparency, we both need to accept recording from both parties and I hope they will resolve the problem. I have sent all the evidences and I hope Bank of America resolve the problem without talking to me because they do not want to be recorded by showing full transparency.

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