BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
N accordance with the Fair Credit Reporting act XXXX  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 XX/XX/XXXX both my spouse and I received negative remarks on our separate credit scores reported by Transunion. We see it as no coincidence that both of our credit reports by Transunion dropped exactly by 34 points and both of our accounts state there is a remark on our individual XXXX XXXX accounts. I contacted XXXX XXXX and my accounts are all in good standing and there are no remarks. I then contacted Transunion and was informed of a public record that has been reported since XXXX in which I have worked very hard at repairing my credit. 2 days prior to this drop I had an increase in my score for exactly 34 points after filling disputes. I have done nothing nor has my spouse for there to be any change but maybe an increase due to on time payments and above the minimum amount. Transunion is falsifying information and destroying two different peoples credit with the exact same -34 points and for a false reported remark from the exact creditor. We do not share accounts or any finances. Please look into this.

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 2022-08-19
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: Account status incorrect

Complaint:
Hello my name is XXXX XXXX, I am contacting you in regards to the activity on my credit report that I am having issues with. In regards to these particular Creditors being pain in full and taking money from me through the IRS. After being completely removed and free of debt, The creditor or hacker has [ placed the debt back on my accounts after a data breach and I have been trying to get it disputed, I dont know how they lost my data but this has been paid and you can see that it says paid in full but it doesnt explain why the money is back revolving. Which you can say has crashed my credit score from 730 to below 500. I am also not able to see the right payment transactions or even their association with XXXX XXXX which has been used to disregard and they have gone through a data breach as well. This will be my second Attempt to ask them to take this down. When I am contacting these companies they are not giving me a direct answer or being fair like I never paid these off. 

This is most recent disputes. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Dispute requested XX/XX/XXXX XXXX through Experian Report # XXXX Reason and statement : Paid in full. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX Account number # Dispute requested on XX/XX/XXXX through Experian Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : The car that was financed by I, XXXX XXXX, was obtained by the dealer and should be seen as collateral. In compliance to the balance, there should be none. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX Account number # XXXX Dispute requested XX/XX/XXXX through Experian @ XXXX Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : Account was paid in full by I, XXXX XXXX XXXX XXXX of XXXX. 



XXXX  accounts XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account number : XXXX Balance : {$1600.00} Dispute requested XX/XX/XXXX through Experian XXXX XXXX Estimated resolution date : XXXX XXXX, XXXX Reason and Statement : Account was closed in XXXX, resolved through claims court in XXXX, Ca I also now have things on my account saying I have a mortgage. When I do not own a house. Now as I check my accounts through Experian, I noticed that XXXX and XXXX have the accounts closed on the other side but they say otherwise they should say paid in full or settled in court.

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 2022-11-24
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I applied for the loan, my payment plan was decided upon as 1 payment per month. I missed 1 payment ( overdrew my account because it withdrew automatically and I had no control ) and now they are continuously trying to withdraw payments plus interest from my account. I had to open another bank account because they were trying to withdraw so many times/ such an insane amount of money per transaction. Now, because I have not paid my loan in several weeks, I have accumulated a ridiculously exploitive amount of interest fees. My loan was originally for {$1000.00} and now with all fines and fees I owe the company over {$2700.00}. It is damaging my credit and I can not feasibly pay over {$1000.00} in fees and fines. This is the definition of extortion. I attached a copy of my latest bill from the company and you will see that due to my lack of payment I have been charged a total of {$1500.00} in fees thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a business account with PNC bank. It looks like the fraudster was able to call in and change the address, remove the phone number and stop notifications on my account and order physical checks to the address in Alabama ( The company address is in Virginia ). Checks were overnighted to the new address and the fraudster issued a check in the amount of {$8500.00}. 

The PNC online system does not show pending checks and I saw this check only when it was already cleared. 

I have the PNC case reference number and an investigation is in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: Synter Resource Group, LLC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX originally said I owed a debt. It appeared what happened was they charged a commercial shipping charge on my personal account. ( I am an individual and I explained you are charging me for commercial shipping between two companies I do not know. ) The debt was for XXXX and I contacted XXXX and explained that they were not legitimate charges. I received 2 different letters from XXXX  in the past and each time I contacted XXXX. The charges were for a commercial business. I explained - I am an individual that resides at a residential address. These services were never requested by me or provided by XXXX. This was communicated twice to XXXX immediately upon receiving the notices. I was assured that their error would be corrected, and it would be removed from my account. XXXX failed to follow through on their promise and I have now received a demand letter with the same information. 

I received 2 Demond letters for the same debt. One each from the following companies ; XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX Synter Resource Group LLC XXXX dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am writing to file a formal complaint regarding the inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following items, but I have not received a response. I kindly request your assistance in resolving these issues and ensuring compliance with federal law. 

These accounts do not belong to me. Kindly remove it from my credit report. 

XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$22000.00} ), ( XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX : {$2400.00} ), ( XXXXXXXX XXXX XXXXXXXX XXXX CA, Opened : XXXX. XXXX, XXXX, Credit Limit : {$1600.00} ), ( XXXX XXXX XXXX, Opened : XXXX XXXX, XXXX, Highest Balance : {$21000.00} ), XXXX XXXX XXXX, Opened : XXXX. XXXX, XXXX, Highest Balance : {$28000.00} ), XXXX XXXX XXXX, Opened : XXXX XXXX, XXXX, Highest Balance : {$230000.00} ).

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 non-monetary relief
Consumer complaint received 2023-01-31
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 2022-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-11-24
Company: Resurgent Capital Services L.P.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Offending Company - LVNV Funding LLCXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX ) XXXX I am requesting the removal of the following data that appears in my file. I believe that this data is an error because this company was unable to verify ANY of the required information to validate the debt. I directly contacted the company on XX/XX/XXXX allowing them more than ( 30 ) days and requested the following information for the validation of the debt Original contract with a WET signature Proof of agency or ownership of the account Original payment history associated for the account Proof of original creditor information After the 30 days the company did not provide ANY of the information requested. The original date of the occurrence XX/XX/XXXX, resolved by XXXX XX/XX/XXXX that the transaction was a scam on the side of the purchaser and was to be removed from my account. ( This also exceeds the 7 year rule for credit reporting ) I prompted closed out and deleted both my XXXX account and my XXXX account after this interaction. Under my investigation into the claim from this company I have come to find out that XXXX XXXX  purchased XXXX XX/XX/XXXX, under the terms of the purchase all debt with the amount of {$500.00} or less was written off as bad debt, any debt above the amount of {$500.00} was then reprocessed and farmed out to collection agencies under XXXX umbrella. Under the FCRA, a company can not reset the timer on a collection process with sale and/or purchase of a company or its debt. This company had been sending emails out to a dead email due to the fact that it was the email tied to the deleted XXXX XXXX XXXX The company states they have made numerous phone calls in an attempt to collect a on the account, the phone number tied to the XXXX account was changed years prior to their collection efforts due to my relocation to a different state. Since they were never able to contact me and validate the debt they illegally accessed my credit report to get updated contact information. The company stated to me directly since they were unable to reach me or validate the debt they simply applied it to my credit as per the companys policy. This CLEARLY violates my rights and should be subject to fines and compensation due to the sever impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I told XXXX XXXX that I would be moving. Told them in XXXX that I would have to move from XXXX because I had medical problems going up and down stairs. Company stated what I had to do. We would probate the time because I was leaving at the middle of month in XXXX. I had to probate that from bank to settle. so, when I try to go to the office the door was lock and the sign said close because of Covic19. Than I try to reach them because I needed to sign everything is clear. No, office, no phone service and I try emailing the company. That's went I got the run around they kept sending me emails stated when you move we will glad to set you up with gas, utilities and other things in your new place. I email them and said no remember I moving. so no communication from them. I never got no response to prove that I don't owe. I paid my last payment from in my bank got proof. One year later a agency call me and it was a New company name XXXX that took over XXXX XXXX and collections name Genesis collections is working to get {$3100.00} from me. I don't owe them any money at all. Pandemic cause me to be caught up with this amount. I am innocent of this. Please help my husband and I are trying to have good credit because next year were buying a house!!! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently ( XX/XX/2022 ) had my student loans transferred from XXXX to Mohela. The process has been awful and difficult. I have been attempting to track my payments online and to see detailed information about payments I have made towards the Public Service Loan forgiveness program. First, XXXX kept declining my requests to count payments ( form was submitted in XX/XX/2022 and XX/XX/2022 and again in XXXX 2022 ) after it was denied multiple times ( even though the form had been completed accurately ). XXXX just would say that the form was denied but they couldnt explain why. They suggested I resend it and I did. It was then declined again. After not getting a response, I finally gave up and my loans were moved to Mohela. The tracking since moving to Mohela has been terrible. I have called them on multiple occasions to inquire about when I could anticipate an updated payment count only to be told that the XXXX data was kept in a way that would not be accepted and tracked in their system. The person I spoke to said that they have had to get new software and to be patient with them. This conversation occurred in XX/XX/2022 about this and still dont have clarity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My American Express Cards were closed by the company for an excessive number of billing disputes. I hadn't made a billing dispute in over 3 months and the company had only reached out to me once for making billing disputes, and I had only made two since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
All my accounts are current yet my credit score reported XXXX   is XXXX Equifax is XXXX. My score is is usually mid XXXX as it were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The company has been double charging interest/fees against the XXXX XXXX XXXX I have with the company. This has been occurring for over a year. The statement clearly layout the overcharges and the company accepts not responsibility. It's gotten so bad that the current balance had a negative amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding   Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation