BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove both unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature

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 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am disputing accounts that I know are not mine. The dispute process is a complete waste of time since they do not do anything to confirm the debt except ask a computer from the company reporting if the information is correct. This is not a proper way to verify anything and if they are complying with the laws then the laws need to be changed. I have XXXX collections on my report and both of them should be removed yet they wo n't make the companies involved prove anything but yet they continue to lower my credit score because of their inability to verify the information.

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 2022-09-08
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted XXXX XXXX several times concerning an account with them that the balance due is incorrect. The last communication was on XX/XX/2022 with XXXX XXXX at XXXX. I faxed my spreadsheet with backup to her attention proving I owed less than what they have credited me for. Also, I have been paying on this bill every month. 
The last communication is stated below : Attention : XXXX XXXX My spreadsheet listing every payment made to XXXX XXXX up to this point is attached, along with documentation from my bank showing you receive these payments. and the statement from Revco Solutions , Inc., I have fulfilled my responsibility by paying the set amount to pay that was determined by XXXX. I anticipate XXXX XXXX closing my account with Revco Solutions , Inc. and reporting any adverse comments to the credit bureaus that would impact my credit ratings. I also expect to receive a letter from XXXX XXXX stating that these demands have stood fulfilled. 
Furthermore, now XXXX XXXX has deleted my account out of their system so I can not make regular monthly payments as agreed upon. 
Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a fraudulent charge on my credit card statement for {$170.00} on XX/XX/2021. I called Macys card services various times to submit a claim over the phone, to which their only solution was to send me a new card with a new number without removing the charge from my account. I then wrote a letter to them disputing the charge and received written correspondence that they received my fraud claim on XX/XX/2021 and would notify me with the results of the review. On XX/XX/2021, I received notification that they had completed the investigation and found that the charge was in fact fraudulent. Two statement periods have now passed since then and I have not received a credit on my statements for the {$170.00} or the interest that they charged me associated with the fraudulent transaction.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom It may concern, On XX/XX/20 I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information in regards to a negative debt that is reporting on my credit report that I have absolutely no knowledge about. Experian received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . This is the 3rd time I have sent certified letters to Experian in regards to this account. According to the FCRA Rules, FCRA 623 ( b )  ( 2 ) and 611 ( a ) ( 1 ), i t states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report and provide documents. The fact that I received a response in 8 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this negative account reporting on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for this negative account that does not belong to me. I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. The fact that they said the account was verified means the company had to provide documentation.  XXXX   XXXX   XXXX ,  XXXX  Edition,  XXXX , defines  Verify as, 1 ) " To  prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 ) To  confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

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 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX account # XXXX i open this up XX/XX/XXXX, deliquency have been reporting since then, its reporting on all XXXX bureaus, estimated date of drop off date was XX/XX/XXXX, and they are still reporting. i need this deleted asap

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 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-11-11
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was forced to be removed previously and now they have replaced the debt back on my credit profile. I believe this is malicious at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was placed on credit report then forced to be removed and now they are attempting to place the debt back on my credit profile. It is my belief this is being done with malice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report XXXX 2017 - I have a debt amount {$1500.00} with Pinnancle/Resurgent. I do not owe this and have NO CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI, INC has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize AFNI, INC to remove this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.gov ( XXXX ) XXXX ( XXXXREFERENCE : Select Portfolio ServicingXXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXXAccount Number : XXXXDear XXXX XXXX : Selected Portfolio Services is my mortgage servicer. I have entered dialogue with this servicer due to the following : In 2015 I received approximately {$5000.00} in funds that had been held back in error when my loan was transferred from XXXX XXXX XXXX to Select Portfolio Services. 
During this period SPS reported late payments and other derogatory information to the credit agencies. This has damage my credit and made it impossible to receive mortgage financing. I am requesting compensation. 

SPS escrows my taxes. SPS failed to calculate the taxes required and did not make a tax payment on time. This causes the local county to place a tax lien on my property. 
This contributed to my poor credit rating and credit distress. 

My original mortgage was with XXXX. I was living overseas at the time : This mortgage had undisclosed PMI insurance. 
The mortgage was uneconomic in that the annual mortgage P & I is less than the property taxes. This was not disclosed. 

SPS modification was simply fraud : The modification decreased the monthly P & I from the original {$2700.00} to $ XXXXThis modification on a payment basis is insignificant and does not provide relief. 
I like for this mortgage to be exclude for in favorable HAMP reporting and financial benefits. 

I have had the house on the market over the past modification. The P & I to Property Tax ratio push buyers away. I will need a principle reduction to {$750000.00} to make the home attractive to buyers and fair to me. 

SPS has placed PMI insurance of my HAMP loan which was undisclosed to me. 

Please help. I am XXXX now and would like to remedy this due to XXXX. 


Sincerely, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: DriveTime
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit via XXXX XXXX and several other credit apps on or around XXXX XXXX, XXXX. There were no inquiries listed on my credit report due to being removed. I checked my credit again via the same apps on or about XXXX XXXX, XXXX and the removed inquiries were put back on. I have called several times a day since and the reps refuse to allow me to speak with a supervisor or to be transferred to the offices in America. They reps have been belligerent and hung up, some have told me too bad, and others have told me that they will be the only office I reach should I continue to call and that I was wasting time.

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 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and Auto Credit and that is reporting on my credit report and Transunion has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Transunion to correct the information without success. I do not feel that Transunion is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service. This appears to be a problem with ALL XXXX credit reporting agencies.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}

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 2015-04-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job and fell behind on my mortgage payments in XXXX and XXXX 2014. I have been making payments since XXXX and Greentree rep told me that they would review my account for deferment program since I was only 2 months behind and had been making steady payments. I sent them the requested documents and called 2 weeks later to find out status. They told me they were missing the hardship letter and also that the pay stubs would now need to be more current. I asked if they needed updated bank statements as well and they told me no. I sent updated pay stubs and the hardship letter again.I called a week later and they told me they got the pay stubs but not the hardship letter and that I had to send it again! They also told me that now they also needed bank statements to be updated because in the delay in receiving all the paperwork. I explained that I did not cause the delay and that I had no control over their companies negligence in losing the same document XXXX times!!! I then asked them why I was not getting anything In writing about this entire matter but lots of other notices involving the default etc. they put me on hold and then never got back on the phone to discuss my concerns. I feel that I am being jerked around and the fact that they are not putting anything in writing about this deferment offer seems suspicious. I do not feel comfortable sending any more documents until I have something in writing stating what is needed and the purpose of such documents because for all I know they may be using them for foreclosure purposes and have no intentions of rectifying this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter received XXXX services at XXXX facility, I had paid the {$25.00} copayment. 
Insurance statements and credit card statements confirm I paid the {$25.00} copayment. 
I sent a certified mail to debt colletor with proof of payment. I kept record that letter was received by debt colletor. 
After sending the mail, debt collector keeps calling statign they have not received any certified mail, that I still how {$25.00} + interests. 
I had to sent a fax with all information again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " XXXX '' and " Transunion '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " Transunion '' and " XXXX '' are indicating the account is a charge off which is affecting my credit rating. I would like Transunion to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.

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 2015-09-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. 
Now GMAC is reporting a $ XXXXpast due balance on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief