BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Current Creditor : Phoenix Financial Services LLC XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of XXXX XXXX : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, XXXX XXXX XXXX XXXX had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXXXXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an injury during XXXX  and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 attempted to use Annual XXXX Credit Report.com to obtained my credit file, TransUnion block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed XXXX had deleted the following ( XXXX ) Loan accounts from said report : XXXX XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

TransUnion removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers with protection from this abusive practice and fine TransUnion for this deceptive business practice that may affect millions of American of XXXX descent.

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 2021-05-11
Company: Crossroads Systems Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved XX/XX/2021 for the amount of {$18000.00}. I signed my DocuSign XX/XX/2021 and according to XXXX I am supposed to be funded within 10 business days. I have verified my identity twice and still have not been funded. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It is  2017    and I have repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

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 2022-09-09
Company: Convergent Resources, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have previously reached out to the collection agency to get verification of a debt they have been reporting. After numerous attempts I have received no notice of investigation or updates for the account. The original creditor doesnt have any knowledge of said account so Ive been stuck with dealing strictly with the collection agency with no luck. I have attached the email stating that they have indeed received communication from me but have just failed to respond for months. This account falsely reporting is hindering me from major life advances and I would like this matter to be handled 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 explanation
Consumer complaint received 2021-05-11
Company: ADIR INTERNATIONAL LLC
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: Account information incorrect

Complaint:
La Curacao is reporting a charged off account on my report incorrectly. It opened in XXXXand the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account i constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XX/XX/XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
I am a victim of identity theft, I did not open the accounts and have an unauthorized inquiry reporting as well. Please see FTC report attached.

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REGARDING : TRANSUNION Free Annual Credit Report : XXXX DANGEROUS URL Malware Alerts Date : XX/XX/17 Duration : @ XXXX XXXX - XXXX XXXX Went to the TransUnion website to order a free Annual Credit report Attempted to complete request form for free Annual Credit Report - did not remember my User Name & Password Got locked and instructed to call TU. 
The representative asked me questions to confirm my identity. 
Do n't recall if conversation was being recorded for QA I asked if it was better to get each report individually or 3-1? 
*Agent : tried to sell me on TU being the best & most accurate & for a small charge could get the FICO score after telling me FICO score really is n't important to me because creditors use different scoring to make determination. 
*Told me my User Name Said he would send a temporary Password via email. He cautioned PW must be typed in not cut & pasted. 
Ended the call after approximately 10-15 minutes Temporary Email arrived at XXXX XXXX  with a link *** ( 508 ) Compliance Code does not indicate if what is displayed is a lower case letter or number. 
Attempted the Voice Activated Code. This attempt locked me up. 
Used the link provided. 
After nine ( 9-10 ) Web Anti-Virus Malware Alerts from XXXX ( Dangerous URL Blocked ) *XXXX ( SCREENSHOTS - See Attached File ) I was able to reach the credit report. 
Saved credit report & logged out of site Re : Malware Alerts - this is the first time I 've ever received Malware Alerts from XXXX At XXXX XXXX investigated the Malware - ( See Attached File ) CONCERN : Why are these alerts coming unless TransUnion is compromised? And I might be compromised as well? or it 's a scam to buy additional products to secure credit reports? 
***I will not go back to TransUnion - will request in writing.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
There is a XXXX XXXX account number XXXX my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.

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 2022-09-09
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
affirm says i must pay this loan even if i did not receive the merchandise or even while it ; s in dispute ( id XXXX ) DISPUTE CASE ID XXXX. THIS IS NOT RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX XXXX in XX/XX/XXXX. At the end of the lease term, I secured an auto loan from BB & T to pay off the lease on XX/XX/XXXX and the lease was paid off ( XXXX XXXX ). However, the title from XXXX was sent to BB & T and was lost. 

I paid off the BB & T auto loan in XX/XX/XXXX. The BB & T lien was never recorded nor was the XXXX XXXX XXXX located. 

Over the past 27 months, I have struggled to get clear title and it finally was received last week. It cost me {$560.00} ( Ex A & B ). 

Thank you for sending me a refund of the out-of-pocket cost in your check for {$560.00} promptly.

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 2022-09-09
Company: Navient Solutions, LLC.
State: VA
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:
Hello, I am emailing about the Sallie Mae settlement. I attended XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX, I took out private loans from sallie mae that were a little over {$22000.00}. I have never been in a position to pay the loans so they kept talking me into deferments. One time the loans went into default and were sent to a collection agency but I was able to get them to pull the loans back for another deferment. as of today the loans are now over {$90000.00} with all the interest. The payments are almost {$1000.00} a month. My situation met the criteria for a loan forgiveness settlement but it was not forgiven. How can I get my account looked into for the settlement? Thank you and I look forward to hearing from you. Email is the best way to contact me. 

One other thing. When I took out these loans my last name was XXXX, I change my last name to XXXX 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: PA
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:
A letter was sent to challenge the items on my credit account 30 days ago. No response or acknowledgement of the the items protested was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

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 2022-09-09
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying every month since 2011. It was supposed to be 120 payments. My interest rate is variable and right now 9.25 %. For years I have been paying {$15.00} more than the minimum due, and have instructed that amount go to principal. It often changes and goes towards the next bill due. I have alos made several large payments of thousands of dollars. It started at {$13000.00} and I somehow STILL owe over {$4000.00}. It just doesnt move. I understand how loans accrue interest. I don't understand how I have not paid this off in 11 years though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: NV
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 not recived my free credit report.

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 2022-09-09
Company: EQUIFAX, 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:
Previously I sent EQUIFAX an identity theft packet containing my Identification documents, an official FTC identity theft report and a letter identifying the information resulting from identity theft. At this current time EQUIFAX is still reporting accounts resulting from identity theft onto my consumer credit file even after receiving all documentation necessary in order to block the reporting of these accounts. After speaking with an supervisor at EQUIFAX the supervisor claimed that the reason that the block was not submitted was due to the packet being incomplete for not having my identification in the packet. I am 100 % sure that my identification documents were attached in the overnight express envelope I sent them and that someone must have removed them upon receipt. In order to avoid any further confusion or excuses by EQUIFAX employees as to why they can not comply with the Fair Credit Reporting Act 15 USC 1681c-2 ( a ) I am submitting this CFPB complaint along with all of the previous information sent and an identity theft affidavit so that EQUIFAX does not give any more excuses as to why they can not comply with the Fair Credit Reporting Act and block the reporting of these accounts reporting as a result of identity theft. For the record, I have attached a NOTARIZED Identity theft Affidavit with the complaint and I have clearly communicated that this information is not resulting from any transaction by myself as the consumer involved. It is crucial that EQUIFAX give the proper attention to this matter and file this identity theft dispute accordingly to prevent these data furnishers from simply " auto-verifying '' and re-reporting this information reporting as a result of identity theft. This information must be properly blocked from reporting in accordance with 15 U.S.C. 1681c-2 ( a ), all required information has been provided pursuant to the subsection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Collection Resources, Inc.
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: Account status incorrect

Complaint:
I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference

Company response to consumer: Closed with explanation