BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 3 disputes to TransUnion regarding late payments on my report that are not accurate. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate, and my statement was : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Following each letter TransUnion responded with an updated credit report, with each account status listing : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Each of the 3 letters was responded to in a way that they failed to provide how they verified information as accurate, through what agency or company, or any statements or proof from whoever verified the information. 

My dispute letters are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been slow pay on our mortgage due to medical problems and expenses ( my husband is a veteran ), but all payments were paid within the month due with usps receipts to verify. The mortgage company says we are 45 days delinquent. We owed XX/XX/XXXX and I paid it today, but they show we owe XX/XX/XXXX,  even though their website shows it paid. Also, they did not apply the payments as directed & I have copies of my records for that. Below are payments : XX/XX/XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX transferred to Specialized Loan Services, LLC I called on XX/XX/XXXX to get the new loan numbers so there would be no mixup. 
DUE DATE MAILED USPS # AMOUNT PAID on Principal AMOUNT SLS APPLIED XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee Paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1100.00} XXXX Transaction # XXXX Late Fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} Label # XXXX Late fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late fee paid : {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXXLate Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX Late Fee Paid : XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} Paid online Confirmation # XXXX Also, they show us late 9 times on our credit report and refuse to fix 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 2017-06-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my third time trying to correct these problems which I will shortly list with Experian However, I have included a copy of my XXXX XXXX credit report as example of what my Experian credit report should look like. <P/>In the status section of the Experian credit report both the XXXX XXXX XXXX XXXX account and the XXXX XXXX account have a negative advisory statement, although not derogatory, added by Experian : The XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The XXXX XXXX XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' I want those statements removed from my credit report. As well, I do n't want any statement such as the above mentioned added later. <P/>The other statement I want removed is the following : " FILE FROZEN DUE TO STATE LEGISLATION. '' I want the security freeze in place but not the above mentioned statement which I have never asked to include. I want that left blank.

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 2021-07-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Account XXXX. Hi, I have fully paid off my lease as of XX/XX/23. I have been unable to get my title from Ally. They keep promising I will receive it on a certain date but never do. Then they promise it went out XXXX but again never receive it. I sent them {$50000.00} and now I have a car that I still don't own, don't need and can't do anything with yet continue to pay for insurance. I have contacted them over 25 times with no luck. All I want is my Title for the vehicle I own. Seems reasonable. 

Thank you very much 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 2021-07-21
Company: CITIBANK, N.A.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Macy 's credit card Is XXXX XXXX however, my letter is from Citi Bank and explained the charge they are trying to collect is fraudulent as I was not in FL this past XXXX as I live in the Northeast. They transferred me to the fraud department and I was told they would investigate this and they sent me a new card - which I have in my possession. They have not told their collections department this as I continuously receive calls requesting I pay this amount. Also, there is no option to speak to anyone to reexplain the situation so the calls continue including several late at night i.e. XXXX. My credit score has dropped recently and my concern is this will not be corrected and my credit score will be impacted.

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 2021-04-13
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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX, a XXXX XXXX sales associate told me I qualified for an upgraded XXXX XXXX credit card. I previously had an in-store use only credit card for XXXX XXXX. She did not detail that the upgrade would be a different credit card ( XXXX ) and only asked me to answer one question ( income ) and provide my license. I did not receive a new credit card in the mail. I did receive a new bill with the XXXX logo on top. I called to make a payment and asked about the CC on file. They apologized and said this is a common issue. Sales associates are not providing full details that the customer is signing up for a new credit card. I immediately paid the bill and requested it was cancelled. In XX/XX/XXXX I received a new bill which showed I had made a Payment and there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. I called, spoke to an agent and was told they would ensure the card was correctly cancelled. This month ( XX/XX/XXXX ) I received another bill which again showed I there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. XXXX XXXX has mislead consumers. I have now requested three times to have my CC cancelled and yet they will not close 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 2022-05-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.

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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello Im filing a complaint towards chase bank due to inability to access my account also as an unauthorized amount of money taken from my account. I called the necessary departments to handle both of these situations but yet to receive any help. The numbers I call go straight to voicemail its been 2 months now causing my bills to stack up. I have money in my account that I cant use to pay my bills. Hopefully I can get this resolved ASAP. Im Fixing to get evicted due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Integrity Solution Services, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company continuously calls my cell number and place of employment saying that they have legal documents to serve me. Company name is  XXXX  and they wo n't give me information except that I owe money and they want to settle on the spot and if not they will take legal action. They have all of my information and I wo n't confirm with them. I have told them if I owe money they can send me a debt validation letter, which I never have received. They tell me they have emailed me and I told them that is not the law. These people need to be stopp ed ASAP. T hey make life a living  XXXX  for people or try to.   XXXX  I have received calls from  XXXX ,  XXXX ,  XXXX  ... .and other numbers..

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 2022-08-05
Company: Experian Information Solutions Inc.
State: NC
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 this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2021 ;

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 2022-05-02
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: Investigation took more than 30 days

Complaint:
As of XX/XX/2022 i have enclosed a certified letter stating inaccuracies on my report which by law it must be removed if its inaccuarate under section 609 ... because their in violation and i can sue per violation up too 1000.. however transunion sent me a letter which i will attach it for you too see.. Traunsion sent me a letter applauding my request of disputing and misleading me by saying im using a third party credit repair agency. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. This is a violation I reserve the right to sue a credit reporting agency for violations of the Fair Credit Reporting Act and I believe I can prove that transunion did not use reasonable measures to insure the accuracy of my credit reports and now transunion are stalling the process even further.

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 2021-04-22
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: Information belongs to someone else

Complaint:
Attention to XXXX, Equifax, and XXXX, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XXXX/XXXX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XXXX XXXX to XXXX, XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.

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 2019-11-20
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I transferred money from my bank account to my PayPal business debit card and my bank shows the funds were taken ( XXXX ) $ but PayPal says the transaction is still pending when my bank says they released the funds to PayPal already. PayPal says it should be in my PayPal account by the XX/XX/2019 and upon checking it was not there. I am being bullied by PayPal cause they know I need my money. They keep trying to withhold my money from me by making it appear that my bank never released the funds when they did Already and my new balance reflects this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
Transunion is continiung to report closed accounts that are not permitted to be on my account because i never gave them permission to have my information in writing. This is identify theft to house my information without my written consent. They also didnt respond to my invoice for damages.

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 2019-11-20
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received an email threatening to sue me over an unpaid pay day loan. They have threatened to take legal action before it is even filed. Refer to the attached document and to comeplaint # XXXX on which it is plainly stated that I was put in the companies do not contact list. They have broken that word to me and to CFPB. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Enterprise Acquisitions
State: WI
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 XXXX XXXX a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I wanted to let you know about scam that I fell for with a debt company XXXX. They called telling me I could decrease my monthly payment by selling my loan to the DOE. They told me that I had to pay three installments of {$430.00} to allow the DOE time to sent up the repayment plan for me. Luckily, my parents happened to read an article on the XXXX and XXXX about potential praying on people struggling to repay student loans *I am struggling to repay and do need relieve from these large payment ). I am hopefully with in the three days the contract allows to cancel my contract. I just want to get the word out so others do not fall victims to these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently tried to pull my credit information Credit Karma and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to Credit Karma, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report

Company response to consumer: Closed with explanation