BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX TRANSUNION XXXX. XXXX XXXX  XXXX, PA XXXX 1. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 4. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 5. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 6. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 7. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 9. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 10. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report I filed a dispute regarding my credit report. It has been well over thirty days. I still have not heard the results of their investigation.

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 2017-04-11
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and someone used my personal information to open up an account with XXXX/Transworld Systems, Inc. The account is a fraudulent and unauthorized account and do n't belong to me. The account resulted from identity theft. I have been receiving harassing and threatening telephone calls and death threats in regards to the account with Transworld Systems , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated Calls Calling my Work told XXXX XXXX to stop calling i would settle any debt with the original deter he then said i will just keep calling and hung up the phone 30 seconds later called me back i did not pick up 1 min later he Called me again then called me 2 more times after that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JOINT MEDICAL COLLECTION? WHAT? FOR {$2800.00}??? 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion has inquires i did not authorize on my credit report that i did not request by any one.

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 2015-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, Transunion and XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, Transunion is reporting information in error via my consumer reports as follows and it has not been resolved : 1. XXXX XXXX XXXX, Current and paid as agreed XXXX. XXXX, {$240.00}, Paid directly to hospital ( XXXX XXXX XXXX ) and to be removed as error per XXXX in Billing.

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 2017-04-11
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have contact Navient and the company has not been very helpful. First, I enrolled in school so Navient placed my account in deferment without my permission or my request. Navient could have contacted me and asked if I wanted to be placed in deferement but they did not. This was not helpful because I am currently in a program and if my account is in deferment, my payments does not count towards my 120 months of payment, making my time in the program longer. Navient has not provided me information or clarification on how my account balance has grew from {$87000.00} to {$100.00}, XXXX. I do not know how, why. or when the balance on my account increased and my account history does not reflect the changes or increase. That is a problem because as a consumer, I should always be aware of the changes happening to my account and I never received a notification or update stating my account balance has increased. Navient has failed at educating me on why these changes have happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a trustee for my friend 's son. He decided to move XXXX miles away. I went to Wells Fargo bank ( XXXX XXXX, NJ branch ) where I deposited {$500.00} cash and a check for {$1500.00} into his account on XXXX/XXXX/2017. The receipt documented the cash would be available on the same day and the {$1500.00} from the check would be available on XXXX/XXXX/2017. About 3 hours later he got to the airport and his debit card was declined. He called Wells Fargo and they claimed there was a computer outage across the XXXX XXXX and they were working on it. About an hour later the {$500.00} became available. He called the bank after the XXXX/XXXX/2017 date on XXXX different days because the {$1500.00} did not clear. He was told the Trust Account was holding up the approval of the funds. I contacted the Trust account on XXXX/XXXX/2017 and was told the {$1500.00} was cleared on XXXX/XXXX/2017. I then called the main Wells Fargo number on XXXX/XXXX/2017 and asked why the deposit was being held up. I was told a second hold was placed on the check on XXXX/XXXX/2017 and it would not be released until XXXX/XXXX/2017. They would not provide an honest answer as to why the funds were held up AFTER already being released by the Trust account. Meanwhile my friend 's son had no money for food, to secure housing, for hotels etc. I asked to speak with a manager or someone who could assist me and they refused and said no one can help me to release the funds sooner and it would have to wait until XXXX/XXXX/2017 when the hold would expire.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am in the process of purchasing a home and have all 3 credit company reports and only one of them XXXX Trans Union XXXX is still reporting a bankruptcy from 2005. I contacted them and explained the situation and they stated there was nothing they could do. I advised them that the other 2 agencies were not reporting this item. It was stated that at sometime it would drop off. I explained that i was in the process of buying a home and since it was already off of the others if they could just take it off. Again they stated they could n't help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
Dear CFPB, Experian and XXXX  accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1681a ( e ) Validation of Debts the law clearly states validation comes directly from me, interviews with my neighbors, family, and friends. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-10-10
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22 I called Mohela to voluntarily pay off several of my student loans during the covid pandemic forbearance period. The agent that I reached verified the amounts to be refunded to me which is the amount of {$17000.00}. I asked the agent for confirmation number or a receipt. However, did not receive a receipt or confirmation number that the refund had actually been initiated. I was told to check my account periodically and so far nothing has changed and it is now XX/XX/22. I have tried several times to connect with an agent with over 2 hours of waiting on the phone and they have not seemed to be able to tell me what is going on with my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 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 2020-03-10
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Have written via experian and direct conversation that i do not owe anything for any of these services they refuse to remove it from my credit and have not provided me with an original contract or wet signature of why this debt is owed CALIFORNIA BUSINESS Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please accept this as a formal complaint against TransUnion Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold - remarks : transferred to another lender ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately one month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: ALLY FINANCIAL INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.

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