BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The XXXX XXXX, is maliciously reporting fraudulent and incorrect information on my credit report. I have tried for 4months to reason out and resolve this with them and they refuse to even carefully look it. Instead of responding to me, they would contact the credit bureau and report it as validated. 

Some of the charges on the account are fraudulent and they are aware of it. 
I have provided them with all the documents they requested from me. 
I have offered to pay everything in full so we can get it over with. Even after paying them in full with interest, they still refuse to correct these fraudulent charges. 

They are failing to comply with the Fair Credit Report Act to responded within the allowed time. They also intentionally forge their mail response date to make it look like they responded in time and I have US Postal dates to show as proof for it.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S2 ( 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 non-monetary relief
Consumer complaint received 2017-11-29
Company: Yakima County Credit Service, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
What type of problem are you having? I am trying to get my credit in order and I have a collections company YCCS located in XXXX Washington my home town that has piled on a pretty big bill, wich I could have paid back eventually had they not tacked on a absolutely ridiculous interest rate and never contacting g me or even sending me a letter stating the amount of money I owed ever. Now it is at {$19000.00} and most of it is interest since its been building it for probably 12 years or so with out my knowledge. I have agreed to start paying XXXX dollars a month and they faxed me the paper work and when I am finished paying it off I will have paid XXXX dollars wich seems a bit out of hand and its really making it hard on me. I am a XXXX father of a XXXX XXXX XXXX girl who has made some mistakes in the past but I am trying to fix my credit and buy a house so I can raise my girl in a nice home. And where I live I could buy a nice home for XXXX dollars and put the money into my local economy. Anyways I feel like Im being taking advantage of and I also feel like this cant be legal if you could please help me out with this I would really appreciate it my email address is XXXXXXXXXXXX, my phone number isXXXX and I live at XXXX XXXX XXXX XXXX MO. I am very busy working and taking care of my daughter the best way to contact me is an email. 


Thank You XXXX XXXX Who are the people involved?

Company response to consumer: Untimely response
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
All of the accounts and inquiries listed below were all opened fraudulently without my consent. 

Equifax XXXX XXXX XXXX {$710.00} Acct # XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am behind a payment. I contacted Ally to make arrangements, they told me that they could defer XX/XX/XXXX and move XX/XX/XXXX to the end of the note and that my next payment would be XX/XX/XXXX, provided that I make the XX/XX/XXXX payment. This payment was made and all was well. In the first week or so in XX/XX/XXXX I received a call and was told that the agreement was not for XX/XX/XXXX/XX/XX/XXXX but for XX/XX/XXXX/XX/XX/XXXX and that I was late. I told them that I took the opportunity to pay off other commitments in order to avoid this in the future and that payment would have to wait until XX/XX/XXXX. ( both XX/XX/XXXX and XX/XX/XXXX would be paid then ) since then I have received daily phone calls. They state that they need information but I have given them the same information every time. It is clear that this is no longer about communicating but about harassing me. Arrangements have been made in good faith, even after they change the original agreement without my knowledge.

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 2016-09-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent this collector a bunch of letters certified mail and they have never responded or provided any proof of the alleged debts they are reporting on my credit reports. I do not agree with the debts owed and i have asked them for an itemized bill so i could determine if the debt they claim is truly mine or not. Initially they were sending me collection letters stating that they were in Pre-legal review and that they were going to turn the case over to a lawyer to sue me. That was XX/XX/XXXX and they still have not sued me or provided even basic documentation to prove what they claim. They have violated 15 USC 1692 FDCPA and 1681 s2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent 3 certified mail letters and they have only responded with their standard computer generated letters stating that they received my dispute and will no longer contact me but they have never once provided even 1 account statement showing what was purchased or even showing i ever owed a bill. I am still disputing this debt and this is my last effort to get it resolved before filing a lawsuit in Federal court in the XXXX District Court of Pennsylvania

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am filing a complaint on american express because they are giving me an issue in getting my social security updated. I have faxed them on several occasions a copy of my id and social security card and they are claiming that the fax is coming to dark. I have lightened up the card on several occasions and they continue to give me excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is about Portfolio Recovery trying to collect on a debt of {$630.00} that has been paid. Portfolio Recovery is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/2018. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from Portfolio Recovery and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to XXXX XXXX for XXXX was being collected by the law firm of XXXX XXXX and XXXX. I paid XXXX XXXX and XXXX in full the {$400.00} I owed XXXX XXXX. The paid Authorization Code is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed Portfolio a copy of the paid in full letter from XXXX XXXX and XXXX and Portfolio Recovery stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 'm a customer of PNC Bank in XXXX NJ XXXX XXXX XXXX NJ XXXXWhen I came to the bank on XXXX I found that my joint account with my wife had been arbitrarily closed and the bank could not explain whyI have not instructed any one to close the account nor has my wifeWe found that the XXXX account was ok but our names are missing from the XXXX and XXXX statementsThey have registered a complaint number ending with the digits XXXX believe that this account has been closed in a fraudulent manner and my funds potentially stolen and need your help to fix the issueI 'm an XXXX citizenMy email is XXXXXXXXXXXX and may be contacted by phone at XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
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:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled

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 2016-06-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Was harassed into closing my American Express Card. Several weeks before XXXX switched from American Express to XXXX, Amex sent me a letter stating that I had two weeks to contact them or my account would be closed. Upon contacting them they requested a XXXX form. I filled out and returned said form as they requested and they put a hold on my card. Two weeks later on XXXX XXXX they called again and said that the form I sent them was illegible and they needed me to fill out the info again and resend it. I asked what the point was in me doing that if it took two weeks to process with the change over to XXXX was less than that. I once again got hit with the if you do n't comply we 'll cancel the card. At this point I was infuriated, I said if that 's what we need to do so be it. They then cancelled my card thus forfeiting my Rewards and smooth transition over to XXXX. I feel without the harassment and badgering by their staff I would 've never cancelled the card but the constant threat of getting my card cancelled when I tried my best to initially comply was too much for me to endear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been alerted that my " ex-husband '' filed jointly or something that put a tax lien on my credit report. We have been divorced XXXX. I have not worked since XX/XX/XXXX due to being XXXX and recently have gone to my hearing for XXXX which looks like the outcome is going to be good but I 'm waiting on that letter still. After 3 yrs. this is a blessing to me, which explains the past three years of my credit rating going downhill drastically since I could n't pay any bills other then what my children could help me with. On that note it had to be the utmost needed necessities, like a roof over my head for XXXX example! 

He 's not married to me or anyone else that I know of! He only helped me with some bills since I have been XXXX and he told me he was going to file using me as a " dependent '' since he helped me for at least 6 months! I have had no income coming in other then my XXXX children paying the needed bills to survive here, which has put them in many binds. This is when he started helping out as well for about 6 months or so, BUT then his unemployment ran out and he went on food stamps & medical. He also stayed in this house frequently and uses this address still since he has no address yet of his own. He has n't changed it yet but he will now! After all the stress I have been through the past 3 yrs alone, now I see this on my credit rating I HAVE A TAX LIEN on my credit report that belongs to HIM! He should of never, NEVER put me on his taxes " JOINTLY ''. I need this removed ... this is not my debt! When I worked I filed my taxes every year! In the past, he went with out paying his taxes for about XXXX to XXXX yrs, I am not sure of the actual amount of years but I 'm positive it was a few years at least! This occurred approximately about that many years or so ago when he failed to file. Naturally they ( XXXX XXXX Federal & State caught up with him on this, but he has failed to keep up on the payments he had arraigned XXXX. Now I find out that he filed at some point " jointly '' with me and I have a Tax Lien on " my '' credit report!?!?! He does not live with me, he is not working again XXXX just lost another job ) due to his drug addiction, hence why he does n't come here anymore I will not have my stuff stolen either! I do n't know what to do here I am livid, Please I need some help here! 

Attached are XXXX screen shots of XXXX XXXX showing it is on my Transunion Report as well as my XXXX report so I have no doubt it 's on my XXXX too! Please please help me with this matter. I am also going to try to make some calls to the help tools provided on the XXXX page.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: I.C. System, Inc.
State: UT
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:
IC Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, notices, or letters about this debt and that violates my 30 day right to dispute.

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 2016-01-03
Company: Receivable Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account is fraudulent and the company refuse to remove the account due to identity theft. Someone went to the XXXX under my name and created a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I made a payment arrangement of XXXX $ a month on a XXXX $ XXXX XXXX, which I had in 1984, to XXXX for the Univ of XXXX. I gave them my bank account information and they attemped to take out XXXX {$.00} which I never had in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation