BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
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 belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-06-12
Company: CURO Intermediate Holdings
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received an email saying I owe Speedy Cash {$1100.00}. Email shows from XXXX XXXX but email address seems bogus. Here is text of email : image Date : XXXX XXXX Creditor : XXXX XXXX XXXX. 



Current Balance : - {$1100.00} Settlement Amount : - {$950.00} Subject : Unpaid loan This Proceeding issued on you Docket No : - # XXXX with one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. 

We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

Let us know what your intention is by today itself so, we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. 

We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

Customer Notice : Speedy Cash Advance should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

Note : To make the payment or settlement you would have to contact at : XXXX ( Legal Department ) Speedy Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I do not owe these scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed twice under my credit bureau by  XXXX  different companies which is portfolio recovery as well as  XXXX   XXXX . Portfolio recovery reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item 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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 true Identity theft ) 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 Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX , GA XXXXXXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not 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 2021-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company that I'm filing a complaint against Equifax. I filed a complaint well over 30 days ago requesting an investigation for several accounts listed on my credit report. I have yet to receive a response. This company has not answered after several attempts of me requesting a method of validation for the following accounts. 

XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late on XX/XX/XXXXXXXX XXXX - I was never late XX/XX/XXXX this is a closed account and was a bank error! 
XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have had numerous people try to send me a reimbursement from the Paypal app or website. Paypal defaults to payments for " goods and services '' which takes a percentage of the payment. The default is confusing and tricky to fix. When they mistakenly do not toggle this off, the wrong amount is received because of the fees. When I return the payment to have them try again, Paypal still charges a fee to the sender because of the original selection. This happens over and over again, and the fees just keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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 belongs to someone else

Complaint:
I don't believe that mine account. I do not have access to the documents related to this account. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Every time I try to get and increase Im told no, the last time I applied for a new account I sent them a message and my response was rude and ugly and was told that NFCs stand their grounds and I need to check my XXXX account before applying for anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: NJ
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:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX balance of {$770.00}, is not reputable. I contacted the creditor and was told they would remove the account. Instead, they have continuously taken it off and re-add it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in  XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was  XX/XX/XXXX . In  XX/XX/XXXX , I contacted the Illinois  Hardest Hit Fund  program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign.  Ditech  's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois  Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois  Hardest Hit agent   XXXX   XXXX  in the  XXXX  office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation.   Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing  Ditech i nstructing them to accept the payments from Illinois  Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech .  The dates that I have sent letters and faxes are  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have asked for an appeal as is my right with Illinois  Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the following accounts/Companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, Transunion, XXXX  on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, Transunion, and XXXX  on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.

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 2017-06-15
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: Public record information inaccurate

Complaint:
Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.

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 2016-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX agreed to remove tradeline if I paid a large lump sum instead of via a payment plan. I paid and the tradeline was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the following accounts/Companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, XXXX, Equifax on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, XXXX, and Equifax on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2017-06-05
Company: Colony Brands, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   XXXX   XXXX   is reporting my account as a charge-off, which  may h ave been true at  one tim e. However, I settled the account with their collection agency,  XXXX   XXXX .  XXXX   XXXX  is correctly showing that I have a   XXXX   balance.     I have disputed the account with the credit bureaus 3 times and  XXXX   XXXX  still will not update my status to paid. They are showing me as a charge-off.     I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at  XXXX   XXXX  that understands what I 'm talking about.     Please help! I 'm trying to buy a house and this is messing me up!

Company response to consumer: Untimely response