BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
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: Their investigation did not fix an error on your report

Complaint:
A public record is reported Discharged CHXXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous 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 explanation
Consumer complaint received 2017-07-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loss of employment for both borrower and co-borrower XX/XX/XXXX. /loss 75 % of income/stopped paying XX/XX/XXXX /currently owe 14 months/ filed chap XXXX bk in XX/XX/XXXX /chap XXXX bk discharged XXXX ; XXXX  was servicing mortgage and sold XXXX to rushmore /our income changed submitted loan modification request to rushmore XXXX XXXX and rushmore stated loan modification denied XX/XX/XXXX /due to non-sufficient income received this denial communication via email/ atty for rushmore requested " motion to lift stay '' in XX/XX/XXXX / today XXXX Judge approved stay to be lifted/ auction date set for XXXX the above information is a timeline of events. We have received 4 denials/ modification/deed in lieu/ short sale/relocation fees all of our requests have been denied by the XXXX. We admit we owe the 14 months in mortgage payments. however, with the bankruptcy discharged we now have sufficient income to make the monthly payments but the bank is stating otherwise. deed in lieu was denied because of liens on the title from Keep your home california and liens from XXXX and XXXX. relocation fees were denied initially but currently we have ongoing negotiations with rushmore. I am an XXXX veteran looking for assistance in communicating with our bank or we will be homeless. The bank wo n't even consider any programs for my military service I have to believe there is something they can do for us. We need assistance with finishing negotiations with the bank and come to an agreement to move out with dignity. we do n't want to go through the eviction process we want to come to an agreement that is beneficial for all of us, but now they wont even talk to us. In our last conversation we discussed short sale and the representative stated that we would have to have an offer in writing in order to consider it. So once again denied. We have been treated unfairly throughout this entire process. We have provided every document in a timely manner that was needed by the bank however, they are not offering us any solution for an amicable resolution. If you need any email correspondence please let me know i can forward it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi! I sent in a dispute last month, as well as Ftc Report, Police Report, and a Identity Theft Report. Most was removed accept a XXXX XXXX Credit Card and a few inquiries. XXXX   removed the car loan from XXXX XXXX but said that the credit card from XXXX was verified. They sent no explanation how they verified the account. Based on the Fair Credit Act Law they are suppose to explain how they verify the account. However i did not open, nor did i give anyone authorization to use my credit. 

My identification was stolen from me a couple of years before, this is not the first this has happen to me. I seek help with removing these items from my credit report. I believe they did not do a proper investigation, if they had then the other XXXX account would have been deleted just like the other. Here is the account information that is listed on XXXX with XXXX XXXX XXXX XXXX Account number is XXXX Opened XXXX Balance XXXX Here is the 3 inquiries that are listed on TransUnion. XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Experian Information Solutions 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:
On XX/XX/XXXX there was a XXXX XXXX XXXX XXXX card opened up under my name that is showing on Experian also on XXXX XXXX there was a XXXX XXXX  that was opened up on XX/XX/XXXX I never signed any documents with XXXX XXXX  but they are reporting this account I need proof of documents with XXXX XXXX  that I signed anything accepting this debt Inclosed is the identity theft affidavit Also my police report with the XXXX police department

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 2019-12-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT AND 2 ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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: Account status incorrect

Complaint:
This vehicle was repossessed by XXXX XXXX in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2019-10-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I open an American Express platinum card for XXXX XXXX in XX/XX/2019. I finished the spending requirement {$5000.00} with the first three months after I opened this card and get a bonus of 60000 Membership Rewards points. However, the bonus has been clawed back this month ( XX/XX/XXXX ). They tell me the reason is this card has been canceled ( because of my XXXX XXXX access investing account is canceled ). But most importantly, I used to call them several months ago and the representative tells me that if the membership rewards were given to my account and they will never remove it. Obviously they lied to me. 

My American Express platinum card for XXXX XXXX is canceled is not I want to close it willingly ( not like some gamer just want to get the bonus and then terminate the account ). The reason for the cancellation is The XXXX XXXX access investment account close my account and they do not let me to reopen a new account and dont tell me the reason. I am still working on that. 

Above all, I can prove that i am not a credit card gamer so my bonus rewards should not clawback.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: EQUIFAX, 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:
The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Wanted to remove inquiries from 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 2017-07-25
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transfinancial Companies is trying to collect that has not been verified nor validated. They do not have have my correct information and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Upstart Holdings, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion customer service to get inquiries removed for being a victim of their inquiry issue and they did not want to take care of the inquiries by removing them and resolving the problem. I would like the problem resolved 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 2017-07-25
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: NY
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:
The CFPB form asks people if they have tried to straighten out the problem with the Company - I did!!!! At least 17 times!!!!

I have tried at least 17 times ( seventeen times ) to get this straightened out with the company! Literally! 

I tried with e-mails - faxes -telephone calls - and paper-mail!!!! 

___ EXPERIAN Fax Number - - - XXXX - Alt - - - XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information!!!! 


To XXXX XXXX & Experian & Others Whom It May Concern : ___ I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1 } The following inquiry needs to be softened or removed immediately : Creditor Name : BOA Date - XXXX Explanation : I requested to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Experian provided no proof - I would like it softened or removed immediately!!!!!!!

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & FACTA & CARD ACT & ADA & other laws has already expired!!!!!!!!!!!!

SPECIAL NOTE # 2 - I am a paying customer of Experian!!!!!!! Even tho I am a paying customer of Experian - Experian has often failed to do what Experian has been paid to do!!!!!!!! And Experian has even failed to do many things that Experian is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with Experian?????????????? Experian is required to delete or soften the above stated inquiry TODAY!!!!!! TODAY!!!!!!!!!!!! 



2 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX XXXXXXXX Date - XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately, I would like it to be softened or removed immediately!

___ God Bless America!!!! 
___

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 2019-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 Portfolio recovery associates llc filed a lawsuit against me in XXXX court without serving me with proper summons. PRA also tried to get a default judgement against me on XXXX with out me having the right of representation. In the past I requested from PRA proof of contract for the credit cards with XXXX XXXX  which PRA has purchased the charged off accounts for less than the owed amount. I received junk mail notifying me that PRA had filed a civil case against me as they were offering their services to assist me with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Chaplain Financial Services LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On  X/XX/2017    a recording called my working stating that if this was not ' XXXX   XXXX  to please hang up the phone, as this was in regards to a civil matter on a recorded line regarding case #. '' They company name was   XXXX  or Chaplin    Collection   services ... They have called my work numerous times in attempt to collect on a fraudulent payday loan from  XXXX  fund, which  1. I h ave paid in full numerous times, and  2.   XXXX   XXXX  was in a lawsuit for fraud. I would like them to stop calling and harassing me at work, or to provide actual proof of the claim. Instead they are using aggressive techniques to collect on a debt that i do not owe. called from  XXXX  and said to return call there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation