BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.

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 2016-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX/XXXX/2016 I contacted the credit bureau to request validation of the debt they are reporting on my credit report from XXXX XXXX XXXX. I was unfamiliar with the balance due so I requested statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

This account was paid in full to the original creditor before entering into collections and I requested the account be closed. In the past I have provided Transunion with copies of my bank statements showing payment of the balance due in full at the time of the account closing. I requested statements from the original creditor to show how the balance came about. The creditor has not sent me any documentation displaying how the balance was accumulated.

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 2022-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have new and updated information. I complained against Equifax on XX/XX/2022 for denying me access to my consumer credit report AND file. Equifax responded on XX/XX/2022 with instructions to mail in my request so they could properly assist me. I mailed the request in for my consumer report AND file via certified mail with a signature return slip on XX/XX/2022. I received a notice from Equifax via mail on XX/XX/2022 without the signature return slip, which I expected back. The notice that Equifax sent in response to my request is a blatant stall tactic. Equifax continues to violate my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: GA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Equifax are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion provided an incorrect credit information to XXXX XXXX in connection with my credit card application thats why my application was denied XXXX times. The incorrect information provided by Trans Union read : " XXXX XXXX or XXXX account ( s ) not paid as agreed. '' The truth of the matter is I do not have an account with XXXX XXXX and XXXX. 
I called Trans Union XXXX and they could not explain why an " unpaid XXXX XXXX or XXXX account ( s ) '' appear in their report. All they could say is that they will mail me a copy of my report. My last call was pick up by Trans Union call center in XXXXand they do not seem to understand the issue. Meanwhile, my credit application is damaged because Trans Union do not take action to correct their inaccurate reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : 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 non-monetary relief
Consumer complaint received 2018-02-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account opened fraudulently due to XXXX data breach in XX/XX/XXXX. Charged 500+ dollars to the account, went to collections before I even knew it existed. Went through XXXX to dispute. Gave all proper information, never removed from my credit report. Midland refused to acknowledge the legitimacy of my claim. Still calling me requesting money I am not, nor ever have been liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Penn Credit Corporation
State: CT
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:
Around XX/XX/XXXX I noticed that Penn Credit was reporting and unpaid bill to my credit report. 1/ {$650.00} and 2/ {$2900.00}. I would like these collections to be removed because these balances does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/19 I received 2 emails from XXXX XXXX XXXX XXXX one stated a trial deposit has been successful to my XXXX XXXX  account which I did not initiate and do not to my knowledge have. I tried to access my account a savings and a CD. I can view past statements but no real time data. I changed my password and verified that the only external account is the original one I set up. I am not able to see current data for today only past statements. The on line chat with a representative was listed as unavailable. When I dial the telephone number of XXXX I receive a message that the number is not in service. I have called the FDIC and the agent stated to call CFP since FDIC does not handle complaints about Synchrony bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: CFS Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with Confident Financial Solutions ( CSR ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called XXXX XXXX XXXX XXXX XXXX I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX paid for this debt. XXXX already resolved the issue and took it off my record but continuous to reflect in this bureau. Furthermore, account is so old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted Experian about XXXX XXXX incorrect balance XX/XX/XXXX. They sent me correspondence on XXXX/XXXX/2015 and said that XXXX had been updated the balance reflected a XXXX balance, the balance is XXXX and XXXX XXXX balances remain the same. If they investigated why would they send me back incorrect balances? XXXX XXXX balances are XXXX XXXX, XXXX XXXX, XXXX. Please have them investigate these balances and report correctly. The information they sent me is completely wrong. if they did the investigation they would know that these are all wrong. They should be fined for not reporting correct info on a consumer report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I went back to college in XXXX to finish my XXXX XXXX. Navient has a private loan I borrowed in XXXX for college. It was originally in my loan contract that I would not have to make any payments as long as I was enrolled in classes full time. When I went back to school they told me that detail had changed without my knowledge, and they were trying to make me pay monthly interest charges. I received multiple automated phone calls, which I did not agree to on my cell phone, frequently getting multiple calls WITHIN MINUTES. This happened in the summer of XXXX, a year after I had come back to school. When I spoke with someone at navient, they told me their automated system was messing up and continually threatened me with default regardless of the improper phone calls. They said if I made my payments, I wouldnt be getting calls in the first place. I deliberately told them to take me off of their auto dialer, but the automated calls continued. They then placed my loan in default in the fall of XXXX, wrecking my credit. The loan continues to sit in default and harm my credit score because they refuse to put my loan in in-school deferment. I tried to work something out but they only cared about getting any money they could as soon as possible. I am now in XXXX XXXX and continue to suffer from their practices, including continued phone calls as recent as hours before writing this, and the fact that my loan continues to be in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I phoned Citibank to ask for a copy of the lien and possible termination in the husband 's name only against my property discovered by the XXXX and XXXX in a lien search for XXXX XXXX  in XXXX. XXXX XXXX  said all documents were at Citibank. Citibank phone could not locate any documents using social security numbers and directed me to email the lien department. XX/XX/XXXX I emailed asking for the lien in the husband 's name against my property, XXXX XXXX Citibank XXXX XXXX responded that he had located the lien but that Citibank had already provided the release. I responded that I had only documents for joint liens and asked again for the lien in the husband 's name or for the conversion of any joint lien. XXXX XXXX XXXX XXXX wrote me that any lien in the husband 's name only is restricted and Citibank would not supply it.XXXX I wrote XXXX XXXX and XXXX XXXX that in XXXX , Citibank knew that I was the sole owner of the property XXXX XXXX  XXXX and that therefore Citibank knew that the lien itself was irregular or illegal and that I should be supplied with a copy.I have called XXXX XXXX to discuss , left messages outlining my request, but she does not return my calls. In XXXX, I had satisfied the joint mortgage for my property to Citibank. The lien therefore in the husband 's name only violates banking rules.Citibank is hiding evidence of an irregular or illegal lien and is acting as if it can decide when and how to apply the law. A lien in the husband 's name only was discovered in XXXX.Contrary to XXXX XXXX I have no such lien in my possession. Contrary to XXXX XXXX, the issue is not whose name is on the lien but who is the owner of the property against which the lien is held.From XXXX XXXX XXXX had no right to this lien. Citibank has an obligation to provide it to me. As sole owner, I want a copy of the lien against my property and any attendant documents. From XXXX I was the sole legal owner of 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 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I cosigned a Apt . From XXXX of XXXX Az. Tenants did reside at property for 30 days, as the Air Conditioning Unit required replacement after several visits to have handy man rig it, and water pouring from ceiling into hall way, laundry room, flood Apt out.XXXX finally realized unit was beyond repair, eventually they had no choice was replaced. With over {$1100.00} deposit heat was unbearable lease was broken, I assumed we were even as they kept my deposit, and then placed a Judgement in the amount of {$500.00}. 
When I applied for a Condo and credit pulled that 's when I when I became aware of this judgement against me from XXXX. I immediately contacted them and visited their office to rectify this debt, the Manager suggested he would accept payment in the amount of {$370.00}, I retrieved money 's the nearest ATM and cash was given {$370.00} and I was given a letter that the debt was satisfied and XXXX credit company 's would be notified and info removed, to no avail. I 've contacted ( XXXX ) several times spoke w/ Manager said he 'd look into it and call me back to no avail.He stated he did n't place this on my credit and the Manager that I dealt with had been killed in an accident and is no longer w/ us. 
I contacted ( XXXX ) XXXX/XXXX/2016 spoke w/ manager stated there 's nothing he can do, and did n't place it on my credit he ten hung up on me, and would n't answer my phone calls after I made several attempts to call back. I also a letter to Their Corporate Office ( see attached ). 
I 've never received any Court paperwork concerning this matter and theirs a court case # When I called Circuit Court there 's no court documentation available about this matter. 
I feel as though I 'm being made to pay twice for this debt.

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 2016-01-26
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I wish be part of the Ally settlement which ended on XXXX/XXXX/15. I contacted the settlement administrator at ( XXXX ) via email at ( XXXXXXXXXXXX ) and informed them that I just learned about the settlement and never received a package because I moved from the addresses it would have been mailed to. They told me there was nothing they could do and I think this is unfair and should be reconsidered based on my circumstances. My husband and I had several loans with Ally and wish to be compensated. I have written proof my XXXX loans with Ally and they will be attached to this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account does not meet the FCRA by the fact that it does not list the original creditor. I legally have the right to know who the collection agency is representing and if that debt is valid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Commonwealth Financial Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, Commonwealth Financial Systems added 4 collections to my credit report for XXXX XXXX in XXXX, TX- a city I have never lived in and a hospital I have never been to. I've disputed all of them with XXXX and one was removed within a few hours, I'm still waiting on the other 3 which total up to {$1200.00}. I have also filed a complaint with the XXXX. I have found countless complaints online from people who also got hit with fraudulent collections from this company. If they keep hitting my credit with fake biulls I will not hesitate to sue them.

Company response to consumer: Closed with explanation