BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
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: Account status incorrect

Complaint:
Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX XXXX XXXX {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 XX/XX/2021XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX CA XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, 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.

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 2020-12-01
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've had my credit frozen with all 3 bureaus for over a year. Only unfroze last fall for a few days for an auto loan. Monitor my credit every month, and in XXXX noticed a collection from Southwest Credit Systems on behalf of XXXX XXXX. This is not my account. Talked with rep at Southwest and the address for the account is in XXXX, NC. I live, and have lived for 25 years, in XXXX, NC, and have never lived in XXXX. Not sure how my credit was even accessed with the freeze. Very much want the account taken off my credit to restore my near XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding, LLC/XXXX XXXX reported to all three credit bureaus that {$1200.00} is owed. I am not aware of such debt being owed. The creditor failed to contact me prior to reporting such derogatory information to all three credit bureaus. As such, it failed to follow the guidelines of Fair Credit Reporting Act. Please delete the item from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ERC
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I PERSONALLY TRIED TO FIX THIS PROBLEM BEFORE I CONTACT YOU I CONTACT EQUIFAX ON REPEATEDLY OCASIONS BUT THEY IGNORE THE LAWS AND IGNORE MY RIGHTS AS A CONSUMER, THEREFORE I AM ASKING YOU TO INTERVENE FOR JUSTICE FOR ME AND ALL OTHERS IN THE SAME SITUATION AS US WITH THIS COMPANY EQUIFAX THIS ANSWER ON XXXX XXXX # XXXX IS LIKE ALL OF THE OTHER ANSWERS WE GET FROM THIS AGENCY EQUIFAX INSTEAD OF DEALING WITH THE ISSUES LIKE THEY SHOULD HAVE SINCE XX/XX/XXXX HAS THE COMSUMER LAWS MANDATE FOR A CREDIT REPORTING AGENCY, NO THEY KEEP REPORTING SOMETHING THEY SHOULD KNOW AND BE SUPPOSED TO KNOW. THE IS MORE THANT 7 YEARS OLD, THEIR IMMEDIATE RESPONSE IS TO DENY AND BLAME THE CHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX THAT BY LAW ONLY LAST FOR SEVEN YEARS AND OTHER CREDIT BUREAUS ALREADY BEEN CLEARED BUT THIS BUREAU EQUIFAX IS PLAYING IGNORANT AND UNAWARE THAT IS HAS BEEN REPORTED FOR SEVEN YEARS LET 'S SEE WHAT THEY TELL AT THE END THIS TIME YOU WILL WITNESS MY ACTIONS AND THEIR ACTIONS, IN 20 DAYS FROM TODAY IF THEY DO N'T CLEAN MY CREDIT REPORT I WILL START A LAW SUIT AGAINST THEM FOR {$XXXX} DOLLARS THIS TIME YOU ARE TO BE MY WITNESSES I HOPE THIS TIME IS TRUE AND WE CAN LEAVE THIS CREDIT REPORTING NIGHTMARE BEHIND THAT IS COSTING ME AND MY WIFE A LOT OF MONEY AND SHAME. 
SEE ATACH PROOF CONFIRMATION DOCUMENTS FROM EQUIFAX # XXXX # XXXXCHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX TO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I bought a manufactured home from XXXX XXXX XXXX.Veteran Housing Program : This Account was established in XXXX XXXX it was supposed to be a Veteran Housing Program, but I think it was just a scam to cash in on homeless veterans. Per our agreement, we were able to voluntarily surrender this manufactured home without negative consequences if for any reason I could n't make the payments. Now it 's showing 2 months passed due, but there was never an attempt to collect this debt. I spoke with XXXX in the Financing Dept. at XXXX XXXX XXXX ( XXXX ) XXXX and she stated that " this account should n't show a pass due balance and nothing is owed on this account '' and because of this I am being denied housing. I requested a letter regarding this fact and she declined stating that " we do n't give out letters like that '' If you look at my credit report you will notice that this account was not reported until I exercised my option to voluntarily surrender, this account should have been reported when we opened the account but was never reported until XX/XX/XXXX, I paid on time until the day I surrendered and I never received any credit for the payment history. Also if you notice my credit report does n't reflect the purchase of real estate ever! Please re-investigate and correct or remove this erroneous error and update my credit file.I surrendered the home because I cound n't get refinancing after 2 years, because of the land it was on. That is the only reason, I loved that house and put in about {$25000.00} into the landscaping and up keep. I also have the the original receipts for payments that reconciled the account, which brought me to current when I left the property. 
XXXX in the finance department and I discussed this at that time and agreed on a exit property date. I made that date and made the payments. I know that there are consequences when one does not fullfil a contractual agreement. It was like a double edged sword, it was also used as a 1 ) benefit and 2 ) sale leverage for purchasing power, that one of your top sales people offered. I understand that I was ignorant going into this deal but that 's no excuse. I really thought this was a XXXX American Veteran Housing Program, so I believed everything that was told to me. If you will please get someone to update my credit report to show current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX - Venmo suspended my account stating that I violated their user agreement but didn't specify what violation I committed. I contacted Venmo support that same day and asked them for an explanation along with what I needed to do to remove the suspension from my account. 

XX/XX/XXXX - Venmo finally responds after I messaged them again and stated that they reviewed my account but it needs to be reviewed again by another team. They said it would take 6 to 7 business days or sooner for a response or update. 

XX/XX/XXXX - I sent Venmo a message asking for at least an explanation on what violation I committed. No response. 

XXXX - Sent another message to Venmo asking for an update. No response. 

XXXX - Sent another message to Venmo asking if I would be able to continue using their service after the review. No response. 

XXXX - Asked Venmo for an update. No response. 

XXXX - Sent a message to Venmo asking to see if I can withdraw the money from my account and close it out seeing that they still haven't responded. No response. 

XXXX - Asked again for an update from Venmo or a way to close out the account. No response. Started a new complain or ticket and they replied with no message and just sent my email back to me. 

XXXX - Told them that I would appreciate a response and would like to close out my account. Told them that they are holding on to my money and I have no pending transactions or any activity to warrant a hold. No response. 

XXXX - Started complaint with Consumer Finance in hopes that Venmo will finally respond to my communications and resolve the unwarranted suspension on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not in error, nor is my request to block bring made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 
1. All inquiries 2. XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX 3. XXXX XXXX XXXX XXXX | XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX  | XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX | XX/XX/XXXX 6. XXXX | XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 non-monetary relief
Consumer complaint received 2018-03-14
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX contacted me at work and talked to my employer about an account that has been removed from all three credit bureaus because after investigation they all found that the account did not belong to me and there was no real record of the account by the originator. I am a current client of XXXX so I find it hilarious this debt keeps getting resold and I keep getting XXXX XXXX iver it. This is a direct violation of my FCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have not applied for a credit card recently and there was an inquiry done in my credit report. Transunion and XXXX  low my credit score for an inquiry that was made under my information.

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 2016-01-22
Company: Dyck-O'Neal, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are several inquiries on my Transunion credit report that were not authorized. I contacted each company and Transunion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the Transunion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX and XXXX XXXX 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 I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # XXXX and XXXX XXXX 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 I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.

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 2015-07-14
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The name of the company is XXXX. They have a bill for collection in my name for the amount of {$530.00}. There is absolutely no way that this bill should be this high. That is a huge lie. They are taking advantage of whomever they may. I would settle with them for {$200.00}, plus have them removing the information out of my credit report. These big corporations are like wolves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2016-02-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.

Company response to consumer: Closed with explanation