BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-07-18
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am trying to buy a home and when the lender pulled my credit they are indicating that there is a judgment reporting from someone by the name of XXXX XXXX. I haven't spoken to that person in over 8 years and then all of sudden a judgement listed on a report? I have never even heard of lexis nexis until my lender told me. I was told this was back in 2012 which after looking at the FCRA it shows that public records other than bankruptcies are only to report for 7 years but this is past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFBP I am filing a complaint against One Main for failing to correct incorrect credit reporting. I have two accounts with erroneous information reporting, for account number XXXX One Main is reporting late payments in XX/XX/XXXX and XX/XX/XXXX. I have sent letters and even got proof of payment was remitted electronically before the due date from my bank with amounts and dates still One Main has not corrected the error. My second account XXXX is reporting that late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I got my bank to issue proof that payment was remitted electronically before the due date of the XXXX. Still One Main had failed to fix this account. I am requesting that the months in question for both accounts be corrected to paid as agreed immediately for all three credit bureaus. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX   XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the XXXX XXXX. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. 

Account ID:XXXX After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates. https : //www.e-oscar.org/getting-started/about-us ).

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my ability to obtain financing.

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 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number.
My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

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 2017-10-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted LVNV Funding LLC in writing on a letter dated XXXX/XXXX/XXXX that was delivered via certified mail on XXXX/XXXX/XXXX. I requested validation of a debt in the amount of {$410.00} that LVNV Funding LLC is currently reporting to all three major credit bureaus ( XXXX, XXXX, & XXXX ), as per my right and according to the FDCPA section XXXX. Validation of debts. I have not received a response from LVNV Funding as  of today XXXX/XXXX/XXXX. Per the FDCPA XXXX XXXX. Validation of debts and as stated in my letter, LVNV Funding LLC has 30 days to respond to my request or this debt must be removed from my credit file. I have attached a copy of my letter and proof of mailing and delivery. LVNV Funding LLC has failed to follow the FDCPA Section XXXX. Validation of debts and I am now demanding that this debt be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called Transunion on Tuesday,  XXXX   XXXX ,    2017  to have a temporary lift of my credit freeze so that an employer could check my credit. Transunion said that I would receive a pin i n 3-5 bu siness days because I never initially received a pin because the freeze was initiated through  XXXX . I have a pin for  XXXX  and  XXXX , but not Transunion. I called back on Wednesday,  XXXX   XXXX ,    2017  and asked to speak to a supervisor, then they said that it take s 5-7 bus iness days. Today is Thursday,  XXXX   XXXX ,  2017  and there is still no mail from Transunion. I really need to receive the pin to lift the freeze before I miss a job opportunity for lack of receipt of my pin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have a paid off XXXX loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from Experian and XXXX credit reports. It also never showed up on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 is missing that should be on the report

Complaint:
I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and transunion credit reports. It also never showed up on 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 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I've been a victim of identity theft in the past. Time went on and I started seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contact each of the Bureaus. Its been well past 60 days and they have yet to correct the this situation. 
XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX BANK XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, 2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: MA
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:
Equifax 's website was breached. They provided a way to see if my information was compromised. It turns out that it was, but Equifax provided no follow up details about what to do about this. This is still the case. They have been hacked again after this first incident, and have still done nothing to help the consumers know what exactly happened. All of this is bad business, and they clearly do not care about the consumers who have been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, 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:
Have filed numerous complaints regarding this same account showing on credit report that is not mine ... .yet XXXX and EQUIFAX STILL continue to list it as mine ... ..company admitted they DID NOT HAVE A DOCUMENTED CONTRACT, NOR DID THEY VERIFY WHOM OPENED ACCOUNT ... ... .so I am still wondering how XXXX and EQUIFAX " verify '' an account that was not opened by me. How is an account verified ... ... WITH NO CONTRACTS? So again ... ..I ask for a CONTRACT!!!!!! Stop telling me you verified an account that does not EXIST!!!!!!!! 

CFPB ... ..stop saying this is a duplicate ... XXXX.YOU ARE THE ONE THAT ASKS IF WE WANT TO SEND TO OTHER CRA!!!!!! SO SEND IT! 

XXXX and Equifax has done nothing to remedy the issue!!!!!! Removing historical information on an account that is not mine ... ... does nothing to solve the problem!!!!! REMOVE THE ENTRY!!!!!!! YOU ARE RESPONSIBLE IN THE END FOR LISTING INFO THAT IS NOT MINE, and purposely harming me!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the following accounts have violated my rights XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My checking account was charged through paypal. They bought two different transactions of bitcoin cryptocurrency. i reported it to Paypal and then went to my bank to close the said account, Paypal did have two closed cases in my favor and said everything would be reversed. i now am getting debt collectors calling me regarding this as Paypal now states I have a negative balance and am supposed to repay the negative balance. these transactions were not of my doing. i am now getting debt collectors calling me. Paypal instructed me to sell cryptocurrency but there terms and conditions tell me that if it an authorized transaction I am not supposed to sell them or I become liable. the first transaction was XX/XX/XXXX XXXX {$300.00} plus XXXX transaction amount. the 2nd amt was {$990.00}, total XXXX with transaction fee. The collection agency and Paypal now tells me I owe the negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Consultants , INC is attempting to collect a debt from me in the amount of {$1100.00} which i am not responsible for and is reporting this fraudulent debt to the credit bureaus in my name. i have been contacting the company since XX/XX/2019 and requesting that they remove this account from my credit reports as it is fraudulent but they refuse. i received a letter from them on XX/XX/2019 stating that will not stop reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed a collection on my credit report that does not belong to me. i have not signed any documents or agreed to any terms for treatment from their collectee, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Unifin Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a collections agency that I owe almost XXXX to XXXX XXXXXXXX XXXX. Ive never heard of that bank and never taken any loans from it. If this bank has contacted an agency to collect a non-existing debt, then this lender engages in fraudulent practices and must be investigated. I could be just one out of hundreds of scammed people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: NH
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:
A company named XXXX XXXX XXXX XXXX, etc.filed a collection request to XXXX XXXX 2 weeks ago for non payment. The credit bureau they had used gave them bad info, using my name and birthdate instead of the real person. XX/XX/XXXX I called the police and was interviewed by Officer XXXX XXXX of the XXXX Nh police dept. I also contacted the company who sold the equipment and the collection agency. By XXXX that afternoon, Officer XXXX had contacted the collection agency and had investigated, finding out the real customer who defrauded the company. Her name is apparently XXXX XXXX with my same birthdate. Upon investigating, Officer XXXX found out that this woman gave a SS # that was hers, and not mine. When the company realized she had ripped them off, they turned it over to XXXX XXXX. The collection agency gave Officer XXXX. the info they had and she found out where the woman lived and one of them even gave the woman 's email address, all of which I have. Yesterday, On XX/XX/XXXX, Officer XXXX. called me to tell me that XXXX XXXX had done its own due diligence and realized I was a fraud victim and they promised her they would clear up my credit as soon as possible. In the meantime, I filed fraud warnings on all 3 credit bureaus and my bank. But today I got a notice from Experian  saying XXXX XXXX was refusing to clear my name. I have called Officer XXXX again ( in tears ). I can not find a link on Experian to further protest this fraud and no one answers the phone. Plus XXXX hung up on me, and no one from the collection agency would speak to me. 

XXXX operates out of Utah ; one of their phone numbers is XXXX. XXXX XXXX. Please help me. I suffer from an XXXX XXXXr as it is ; thi is causing me illness. 

My name is XXXX XXXX ; I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NH and my email address is 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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax apparently hacked. Stated check your credit report for free. Upon entering all my information, the system said " down for maintenance ''. It is XXXX on a Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I owe over {$200000.00} and the fees keep changing, customer service is extremely rude, and don't offer me much options to pay back for my loan. I took half-time courses during this past summer and Navient decided to continue with my continuation of loans when I took half-time courses just recently. When they were informed at first when I took half-time courses, I was told my loan repayment would be in effect till XX/XX/2019. All of a sudden, they decided to stop the grace period recently ( just last week ) when in fact I looked and researched that there is supposed to be a sixth month grace period when there was only three, which is unfair and unethical on their part. I know federal law requires that I have a six month period but what navient is doing is completely wrong and just not business professional like.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File Number XXXX Date:XXXX  TransUnion has under Supplemental Consumer Credit Information XXXX XXXX Inquiries in the last 7 years:12 I have not applied nor received any XXXX XXXX as stated by TransUnion there has not been any XXXX XXXX nor applied to as stated by TransUnion. I need documented proof of who and what XXXX XXXX place there was a XXXX XXXX loan received by me and the company name and city and full information this was done.

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