BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX and Transunion said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
iaccordance with the Fair Credit Reporting act XXXXXXXX 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 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 2022-06-17
Company: CMRE Financial Services, Inc.
State: CA
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 have requested debt validation for multiple accounts on XX/XX/XXXX and XX/XX/XXXX from CMRE Financial Services ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for the accounts listed above. This company has failed to validate my dept per FDCP section 809 validation of debts [ 15 USC 1692g ). which states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I specifically requested CMRE to provide the following info : The amount of the debt ; The name of the creditor to whom the debt is owed ; Provide a verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in ( insert name of your state ) Instead of CMRE Financial Services validating my dept, they have decided to not respond. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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:
I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.

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 2020-01-13
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by a debt collector, Resurgent Capital Services ( RCS ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and RCS sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because RCS has not sent me valid proof that this debt is mine, it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.

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 2017-07-19
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I personally, like to banking to KeyBank. But 2 or 3 years later on around 2016 they always close my account ( s ) without any reason to me. I have trying to apply a new checking account again and again, then the accounts were approved after that they closed on each every time were my account was approved. This is not an equal in the USA and not fair to me in the United States. I am not saying ; I have no bank to bank with, but just wondering why they doing this action to my? Plus, KeyBank is my local bank, but they are so racing to me. I am a human too. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-02-21
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: Information belongs to someone else

Complaint:
I was reviewing my credit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.

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 2020-01-13
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regions Bank is holding funds that I placed in my savings account as collateral for a personal loan that was issued to me by Regions in an account that was not authorized by me. I did not agree to have these funds in my savings account held. This was not explained or approved by me. I did not sign any document during the loan process or the loan signing that gave approval for regions to hold my funds placed in my savings account in a undisclosed account and would not allow them to be available to 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 2021-04-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for the reason that i dont know, i just transfer orsend to another paypal account and they said it was hold for 24hrs but after couple of hours they limit my account and hold my money for 180days which is unfair coz the money i sent is for paying debt to the person i supposed to paying it. paypal dont give a explaination or not giving chance to me for required requirements to re open it..only they give is 180days to wait and that is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Financial Credit Network 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: Account status incorrect

Complaint:
Financial Credit Network. I am exercising my right under the Fair Credit Reporting Act pertaining to the Accuracy and Completeness of information provided to any credit reporting agency. 
I am also exercising my rights under the Fair Debt Collection Practices Act Section 807 which pertains to False and or Misleading Representation of information being reported to the credit agencies. 
On XX/XX/XXXX I went online to the Financial Credit Network website and made a payment in full on account number XXXXXXX. The original amount owed was {$250.00} dollars, but after the company 's additional fees the total amount that I paid online ( evidenced by the receipt ) was {$370.00}. 
I updated my credit report XX/XX/XXXX only to see that Financial Credit Network is still inaccurately reporting this {$250.00} account as an unpaid collection. 
Now I am requesting that Financial Credit Network update their records and update the information with XXXX, XXXX XXXX and XXXX. 
I have already sent Financial Credit Network a certified letter with a copy of the receipt for payment in full on their Company Letter Head from there website and have yet to receive a response of any kind. 
Financial Credit Network is very quick to place and keep inaccurate information on hard working consumers accounts. Now they need to demonstrate the same speed in updating and correcting the status of their accounts with the Credit Agencies as well.

It is against state law to report incorrect statuses and balance information to the Credit Agencies

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 2020-01-13
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY 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 2020-04-21
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA LOAN with XXXX Loan Servicing XXXX sub servicing by Loancare XXXX XXXX XXXX. In XX/XX/2020 I accepted an offer from a buyer to sell my house. On XX/XX/2020 my title company XXXX XXXX contacted Loancare for a payoff statement. They provided a payoff statement of {$140000.00} an amount they stated was good till XX/XX/2020. The house was sold and the closing date was XX/XX/2020. The title company wired over the payoff of {$140000.00} to Loancare. On XX/XX/XXXX Loancare contacted XXXX XXXX stating the payoff was short. I called Loancare and I was told it was short due to hazard insurance disbursement they made after the payoff statement, I was informed that my escrow was short {$550.00}. I proceeded to pay Loancare immediately {$550.00} from my checking account to zero out the escrow based on what they told me.Over the last two weeks I've been calling Loancare to ensure the loan is paid off and my account closed. Yesterday they sent back the wire transfer to the title company stating the payoff was short, this is after my {$550.00} direct payment and the payoff from the title company.Now they are claiming the payoff is {$140000.00} due to late fees. I believe Loancare is practicing deceptive, unfair and abusive acts. They are coming up with miscellaneous charges and expenses are trying to have consumers pay more than they owe. They are trying to have consumers float the bill for their lack of due diligence and are passing on unfair costs to consumers. Please I need your help resolving this issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have NEVER lived I 'm XXXX. I have told XXXX credit bureaus previously. My ex-wife and my daughter lived at these addresses in XXXX. I lived on XXXX from XXXX until XXXX XXXX. I moved from there to XXXX. I never lived in XXXX. I WOULD APPRECIATE XXXX credit bureaus removing the XXXX addresses from my record and put my correct addresses on my record. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Carvana Group, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To whom it shall concern I reached out to carvana to correct a debt issue with them as the are a debt collector who did not give notification they were a debt collector furnishing deceptive forms to a federally protected consumer, in order to collect a debt. I entered a consumer credit transaction with an open-end credit plan and used the vehicle for household and personal use. As they are a extension of the creditor of the consumer credit transaction using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. They don't have nor can provide me with the original contract for this alleged debt using multiple names, obscene symbols and use of obscene language on the alleged contract could be indecorous to the eyes. Carvana has violated me as a federal consumer in the corporation and needs to be held legally accountable for their ambiguous actions as a debt collector they are. I am demanding the agency to work with me the federal consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth and Lending Act or else i will purse federal litigations if needing re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me 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 non-monetary relief
Consumer complaint received 2020-01-13
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.

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 2021-07-25
Company: CAINE & WEINER COMPANY, 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:
Hello I have never had a credit WITH XXXX XXXX, Caine and weiner, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.XXXX XXXX and Caine and Wener was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ACS and XXXX XXXX conspired to illegally capitalize interest on my loans by removing the loans from Income Based Repayment ( " IBR '' ) and placing the loans into either forbearance or deferment status. XXXX XXXX holds the promissory note, ACS ( or XXXX ) is the servicer. ACS also hides its actions by placing the loans into " accounts '' or " packets '' that are not available for viewing on its website when I am logged into my account. ACS has attempted to prevent my loans from continuing in IBR every year through difficult to meet deadlines, although I have continued to meet the deadlines, yet ACS refuses to acknowledge IBR for certain loans. And, ACS has sent statements that my forbearance or deferment has ended, when none of my loans are supposed to be in forbearance or deferment, and I was mislead to believe the loans are in IBR. The amount of interest being illegally capitalized is between {$60000.00} to {$80000.00} currently, and this amount does not include principal amounts of loans. After 25 years the original loan amount will be eligible for forgiveness, but the interest that ACS causes to accrue illegally will be my payment and the IRS will collect this amount. Accruing interest in this manor is illegal. 
I attended XXXX, XXXX between XX/XX/XXXX-XX/XX/XXXX. Virtually everyone was pushed into loans with XXXX XXXX. I provided XXXX XXXX with proof that XXXX illegally inflated my tuition to qualify me for loans that I did not qualify for, but XXXX XXXX has not responded to this information yet.

Company response to consumer: Closed with explanation