BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 Items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 2017-04-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.

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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following inquiries remains on my credit report after I have told transunion that I was unaware of a few, and the rest I did not receive service for. They have given me the run around with telling me to contact the creditor, and the creditor is telling me to contact the credit agency. The following inquiries are in question : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-30
Company: Experian Information Solutions Inc.
State: IL
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 sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below Account- XXXX XXXX XXXX Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Conduent Incorporated
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Emailed the state of Tennesseee unemployment office with a fraudulent application in my name. 

Attempted to call Way2Go card debit card through XXXX XXXX  and report a fraud freeze on any further attempts at collecting monies against me.

First agent said they could not help me, made no attempt at connecting me with the fraud department. Hung up on me without further explaination.

2 more attempt transferred to fraud department with no contact with agents after holding for 45 minutes and 20 minutes.

Connecting with first line agents only took less than 3 minutes everytime.

My issue with all debit/visa etc is they should still verify through a  credit bureau for identity theft. To prevent further identity theft in having a credit card with stolen victims name imprinted on cards. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: NV
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: CA
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 acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing 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 2016-09-02
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage. 
Company issued a payoff to the title company, and then paid moneys from the escrow, which increased the payoff. They send me mail to my residence, which I received on Thursday evening, stating a figure to pay them to reconcile the account. Those moneys needed to be certified and they need to receive them by Friday @ XXXX. I sent them the money, by mail, which they received on Monday, they then posted the money to my payment account, not the payoff account, then held them until Thursday. What they did n't tell me was they were charging interest per day and the payoff, originally identified by Friday @ XXXX wouldnt have even been the correct amount ( They have charged me 6 days of interest ). They are telling me I now owe more money, because they sat on funds I sent them and interest has accrued. I have wired the additional money, but am still in limbo as to the status of the payoff. At this point, I have XXXX confidence that anyone at the company could tell me what the payoff amount is and how long that payoff amount will be good for.

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 2015-10-06
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After disputing the XXXX medical bill, it came back as verified. I contact this collection agency and told them this was not my bill, they ask me for my address and sent me a letter. In that letter, CPI listed an additional account and added a payment plan that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above. 

Pinnacle acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Pinnacle Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pinnacle Credit Services , LLC has XXXX Open Collection accounts for a XXXX XXXX account that shows {$0.00} balance. I would like this removed from XXXX and therefore, my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I ASKED FOR VALIDATION OF DEBT AND AS OF TODAY HAVE NOT RECEIVED ANYTHING BUT STILL CONTINUE TO REPORT TO CREDIT BUREAUS.THIS IS A VIOLATION FDCPA SECTION 809B WHICH I WILL SUE $ XXXX/VIOLATION. ALSO FDCPA SECTION 811A2 STATES THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT FOR THIS DEBT, THIS IS ALSO A VIOLATON WHICH I WILL SUE $ XXXX/VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Pinnacle Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: IL
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:
sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below Account- XXXX Company- XXXX Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Comerica
State: MD
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have the children 's social security and my XXXX pension deposit on Direct Express Debit card. This has happen in the past as well and YOU did NOTHING to hold these criminal at Direct Express accountable. In the recent incident two vendors XXXX XXXX for {$85.00} plus {$89.00} and XXXX. XXXX XXXX {$84.00} both of New York. Have without authorization taken out money from my account. BOTH were told they NEVER EVER had any authority to withdraw and money from my account. XXXX XXXX has NOW done so twice. EVEN after both them and Direct Express to stop. 

Direct Express said it would NOT stop those transaction and refused to take any action that stop that vendor or others in gain access to any money in my account. In the past they said as company they felt need to redirect any social security funds back out to other businesses. In the last 3 or 4 incidents and in my dealing with Direct Express that have STOP making such remarks. BUT are clearly doing every thing they can to encourage that type of theft. 

I have accounts with other banks as well as credit cards. I have never met a credit card business that was refused to help it clients and to openly encourage that type of theft. There was about a 5 day period where it says the transaction is pending and should be reverse able. Direct Express refused to take any action till after the funds have completed it transaction and can ONLY be returned by the free will of the merchant. This is beyond insane. 

It is 2016 there are many legal and ethical businesses working online. So of the best deals are online. Direct Express will not allow me to pay for my mobile phone with XXXX that offers the cheapest service. There are other vendors it will not allow me to use. I had contacted them and Direct Express said those vendors had ties to terrorist group. I had contacted many afterwards ALL had denied any connection to terrorists. Direct Express had noticed and pointed out I had a single Pay-Pal transaction. They claimed with Pay-pal they could do an instant refund. 

Prior to tis nightmares other then XXXX customer service I would said I like Direct Express as means of handling Social Security and my XXXX pension. It seem to work like a BANK in handling direct deposit, did not charge a fee for doing nothing at all. And it was suppose to not allow any bounce check fee. Direct Express is clearly idelaogy opposed to hand federal funds to children collecting social security and federal pension funds. Pleas take the most aggressive action possible against Direct Express. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had originally filed a complaint in XXXX of last year, complaint number XXXX. I did not know that I would not be able to challenge all of the information I received back and when I spoke to a CFPB rep they informed me that I could fax in my new information, which I did on XXXX however, I have not seen anything on this yet so I decided to open a new XXXX. The response from my original complaint brought up additional questions and that is why I am opening this one. Fenton & McGarvey state that my pre-judgement interest was in the amount of {$17000.00} however, in XXXX 2007 my pre-judgement interest was only {$900.00}. I have asked for an explanation of this discrepancy and have yet to receive a response. I would like a breakdown of these charges and not just a lump sum. This is what I have been asking for all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes to Equifax and this is my second CFPB complaint. The issue still remains and beyond ridiculous! Let me say this AGAIN I DO NOT OWE AGENCY XXXX! I STILL HAVE NOT RECEIVED ANYTHING TO PROVE HOW THIS DEBT RELATES TO ME! I HAVE REQUESTED SEVERAL TIMES. Responding an account is verified is NOT validation. I have credit monitoring I sent screenshots showing where the they illegally changed the date of this fraud account Equifax is fraudulently reporting. After the CFPB investigation not only did they change the date the account was assigned they are reporting the same account twice. The account date was XX/XX/XXXX then changed to XX/XX/XXXX now it's showing XX/XX/XXXX and XX/XX/XXXX. This is ILLEGAL! Equifax is trying to re-age a debt that should not even be on my credit report as it DOES NOT BELONG TO ME! This is negatively affecting my credit rating my score has went down. REMOVE REMOVE REMOVE NOW! I plan to seek damages if this is not handled. I am being negatively impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX 2014 I came to an agreement with XXXX with XXXX XXXX to pay a total of {$900.00} at {$50.00} a month. Agreement number XXXX. By XXXX XXXX that debt had been sold to Pinnacle Credit Services, who placed it with XXXX and XXXX. XXXX and XXXX has drafted {$50.00} out of our account every month since. Pinnacle placed something on our credit report. Today when I called to verify the balance, I was told there was no payment agreement and the balance was {$720.00}!

Company response to consumer: Closed with explanation