BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
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:
Both XXXX and Transunion are reporting an item on my credit report which does not belong to me. I have brought it to their attention several times and taken every possible measure to prove the account does not belong to me and they have not made a single attempt to remove the item or assist me with the matter. The item I am referring to is listed as XXXX XXXX XXXX on my report and it claims that I owe a balance of {$7000.00}. I have never had an account with this company nor the supposed " original creditor ''. I don't recognize either of them!

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filing this complaint because TransUnion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section  611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent them a letter so that they can verify the debt, around XX/XX/2021 A thorough breakdown of all alleged charges. 
They could not do it, I gave them 30 days to do so, and they did not send the correct verifications that I asked for. 
I then sent them another letter to verify it after almost two months On XX/XX/2021 Which should of taken a couple days because i sent it express on a monday. I told them they had 15 days to verify that the debt was mine. its been almost two months and still no removal or proof that the debt was mine. I even told them it was a violation of my consumer rights as specified under both the FDCPA and the FCRA. This was an amount for {$490.00} which I do not recall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2020-10-06
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 XXXX smile dental group send me the final bill for {$420.00}. I did dispute but they send me to the collection agency ( Amer ASSIST Solution Inc ) XXXX XXXX and they send me the bill for {$380.00}. I tried to log in to make a payment online but no luck. Therefore I called them to make a payment via a credit card they said they don, t accept. It should be check and asked for my checking account information. I told her to charge for {$380.00}. But the next day I notice they used my account information on a false check with someone else name and were purchasing products in stores for {$300.00}. I did call them back and share the problem with them this time a manager and from Amer Assist answered and i paid {$380.00} but again I notice another transaction on my account for the amount of {$310.00}. I called my bank and told them the story, they did credit me for {$380.00} and XXXX but not the {$300.00}. I called the XXXX XXXX group and explained what happened to me and asked them to get my name out of this collection but she said she can not do anything. I feel I owe the collection agency or XXXX dental-only {$27.00} since I was already scammed for {$300.00}. I do not want the collection agency to send me bill since i am trying to solve this with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: DE
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate account which is the Police & Fire on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-10-03
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My son XXXX XXXX is deceased since XX/XX/XXXX. They came and repossessed the car with all my son, daughter and grandson possessions without notification. I spoke with them approx. XXXX XXXX last year when I was told to email death certificate. I did. Santander contacted me on XX/XX/XXXX to collect on a deceased person debt. This is harassment. I have seen several calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My husband and I applied for the PPP SBA loan for my business and the SBA has already done 2 hard inquiries in 2 days with Experian to me along with my husband. My credit score dropped 10 point as a result of this. I would think under the circumstances these hard inquires should be excused and not be reflected in our credit score. This will remain for 2 years. It's not enough that my business is suffering now my credit score it going to tank. 
Someone should do something about this XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2018-12-02
Company: Penn Credit Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and saw an account from Penn Credit for {$650.00}, original creditor is City of XXXX XXXX. I never received a letter about this delinquent account via mail, violating the FCRA, which states I'm entitled to a notice giving me at least thirty days to dispute the validity of the account. I have never had an account with the city of XXXX because i have always lived with my husband, and he takes care of our bills. Everything is in his name, so this has to be identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This started after hurricane XXXX. My insurance company evaluated the damages and sent the payment to me. I sent the check to my mortgage company to have them endorse it when possible after all paperwork was due. We needed their endorsement and sent the check in XXXX. Since then, my house has been in shambles and my contractor stopped working bc I have not received the money from the mortgage company. I have submitted every last piece of paperwork and was needed and some. Yet, whenever I call them, I get to put on hold or I am told that this isn't their problem. I was recently on the phone with them and was told that they could " do me a favor and send me 4000 '' instead of sending me my actual amount. I was shocked and disgusted after hearing this and am in a mess at the moment because they are not cooperating and I have no other means of getting in touch with them. Every time I talk to them or call them, they keep refusing to cooperate and keep putting me on hold. I needed an inspection date from them and submitted the request as soon I could, yet they have not called back and it has been XXXX weeks. They owe me around {$24000.00} that I need to repair my house. They have not contacted me and keep troubling me with this. I hope this complaint helps me reach out and help my case.

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 2017-07-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I filed chapter  XXXX , in   XX/XX/XXXX , w as having my payments auto deducted from my payroll due to lawyer mishap my case was dismissed and refiled i n  XX/XX/XXXX  an d once again due to lawyer issues my case was refiled in   XX/XX/XXXX . I have  asked the  3rd party carrier to v erify info and update due to I should not sho w 4 bk 's. I sh ould show accurately  of 2 BK 's the case for  XX/XX/XXXX  and  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of identity theft. I recently reviewed my credit report to find request for credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.

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 2017-12-06
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rented an apartment at XXXX XXXX in XXXX, NC from the end of XX/XX/XXXX. I paid my rent on time every month until I was evicted XX/XX/XXXX because my XXXX old daughter had a fight with a so called friend. I can't recall if I paid a deposit before moving in but I cleaned the apartment before I left. No damages. Months later I started receiving phone calls from a rude representative XXXX at iq data international. I asked for a statement of these bogus charges of {$690.00}. I asked why I never knew about any charges before collections. I never get answers. I can barely speak. I don't want any derogatory accounts on my reports but they make it hard to get it taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Trsnsunion reporting closed/, paid accounts. These accounts were authorized to delete Transunion continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.

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 2018-12-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and saw a negative item from COMMONWEALTH FINANCIAL Account # XXXX, Balance {$1000.00} and Date Opened XX/XX/2018. I have no knowledge of this debt, as it does not belong to me. My address has not changed, so i should have received a letter in the mail notifying me any debt and giving me a chance to dispute it or take care of it, according to the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Credit Karma, LLC
State: AZ
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:
XXXX today, I found on my Credit Karma report for 2 vehicles listed in my report that ARE NOT MINE!!!! Please remove at once off my report. Send me new updated report immediately. 
XXXX XXXX XXXX XXXX Vin : XXXX XXXX XXXX 4 door XXXX AND XXXX XXXX XXXX Vin : XXXX XXXX Registered XX/XX/XXXX. These are not my cars and NEVER were my cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: U.S. BANCORP
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: Problem with personal statement of dispute

Complaint:
I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later us bank put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX Bank don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money

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 2019-11-21
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The company is illegally charging my small business checking account with an " analysis service fee '' - which is all over XXXX from other angry customers. I never asked for the special service - a laughably outdated mail advice when a deposit is received. Who would pay {$22.00} to receive a letter by snail mail in the digital age? Multiple requests via phone and email have resulted in them telling me it has to be resolved in the branch. I have visited two different branches and yet the fees continue. This company must be held to account for illegal billing practices and obstinance in correcting the situation.

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 2020-01-03
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.

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 2022-01-25
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX PayPal permanently limited my account and told me that I had to wait 180 days to withdraw the funds that were in my account, so I did. After I received no email saying that I can withdraw the funds, I gave them a call and they told me that my funds were on hold until further notice due to me trying to receive my unemployment benefits from a state that I had worked in but didnt live in. They also told me that they were waiting to make sure that no charge backs or reversals happen. Well its been a full year that I have been waiting for my funds to be released to me. I am struggling financially and would really love it if I can finally receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Can not link PNC account to any services XXXX, XXXX XXXX, XXXX XXXX PNC has a lock on the service

Company response to consumer: Closed with explanation