BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-25
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: Investigation took more than 30 days

Complaint:
I have mailed, faxed, uploaded, and called all three Bureaus. TransUnion said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days 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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.

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 2016-03-10
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX in the hospital, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
This account is still reporting on my credit report, this account doesnt belong to me and the credit bureaus were given the police report to remove such item. This debt is also expired. Contacted both the merchant and credit bureau and they are in violation to keep reporting this item. 
XXXX XXXX AC # XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}

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 2022-07-20
Company: EQUIFAX, INC.
State: MI
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  account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C 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 2022-07-21
Company: Experian Information Solutions Inc.
State: GA
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:
Company- Experian XXXX Called and was stated to file complaint FTC XXXX incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and 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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-02-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a problem with XXXX XXXX which i paid them on time i have a proof of the cashed check by them they kept telling me they never received my payment and then finally my bank advised me to stop payment on this check and reissue them another check to solve the issue we did and then we though the problem is taking care of I closed my account with XXXX XXXX as well. but XXXX XXXX went a head and report me late on my payment for more than 90 days I learned about that when I was applying for a loan and my Loan was declined I tried to contact Experian they have no one to answer their phone it is an automated service and there is no person to talk to I tried to log to their website to dispute this wrong information I got a message I can not do that on Line I need to speak with them again I tried the number one more time during business hours I was not able to get a hold of any one. Now Exerian allowed XXXX XXXX to report the wrong information about me without no proof and they are providing this information to any lender who check my credit report and they are not giving me a chance to correct that error with them attached is the respond i got when i was trying to dispute the error plus a copy of the paid check to XXXX XXXX back and front to confirm they cashed it Thanks.

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 2015-09-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX strikes against my Credit. XXXX of them being an old apartment complex that I was told would not be charging us for final rent as well as would be returning our deposit due to mold issues in both the apartments we lived in during the one year lease. 
The other mark on my credit is a medical bill that should have been taken care of by a work mans comp claim through the XXXX I used to work for. 
I attempted to dispute these marks through XXXX. I filled out the original account look up page info. Upon completing it they asked me question relating to " loans I took out '' such as mortgages and car loans. The questions asked what company I took the loans out from and how much my minimal payments were. The problem is I did n't take out any loans from any company nor do I have minimum payments of any kind for these non existent loans. I answered the questions with " none of the above '' since these loans did n't exist and the response back was that that did n't match the info they have. Now I am concerned that identity theft may be an issue on my report as well although I did not see any physical proof of such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech Financial took over my loan from XXXX XXXX XXXX in XXXX of 2016. I pay my bills through XXXX XXXX XXXX pay and schedule this bill to be paid at the same time each month. things were great until XXXX when I received a notice that my payment had not been received. I called DiTech immediately to find out what happened. All they could tell me is they will investigate. This happened again in XXXX. As of today, they still can not find my payments and now I have received a foreclosure notice. XXXX XXXX has sent the payment and even conferenced in with DiTech to try and resolve. Each time I call DiTech I start over with a new rep that basically can do nothing to resolve my issue. I 'm not sure where to turn now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the loan modification process but at the same time the mortgage lender pursues foreclosure remedies in state court while simultaneously is offering me a mortgage modification ( DOUBLE TRACKING )., This is my house primary residency ( and in Florida, XXXX XXXX JUDGES DO NOT ALLOW CANCELATION OF FORECLOSURE SALE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted  Prestige Financial  and  XXXX   XXXX   XXXX   XXXX  about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information.  Prestige Financial  sent a letter back dated  XX/XX/17    stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my  credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I was laid off from my job. I contacted my servicer at the time re : lower payment options during this time. Although I would have been eligible for a low or even {$0.00} payment, I was instead steered towards periods of forbearance/deferral from XXXX of XXXX. I was not made aware that any payment I did happen to make during that time would not be a qualifying payment under the PSLF program which is very important when you are striving for the goal of 120 payments. Luckily, I was able to secure new, PSLF eligible employment and started that job in XXXX of XXXX ( this employment time frame has been certified ). I have proof of payments made from XXXX XXXX and have attempted to submit them to Fed Loan Servicing and student aid.gov. I'm worried that not getting the payment status during that time period changed will prolong my forgiveness via the PSLF program. I have had the correct type of loans and repayment plans for many years prior to the waiver introduced in XX/XX/XXXX. It is very difficult to see people, that just applied to the PSLF program 2 months ago, get their loans forgiven while people like myself have had our ducks in a row for many years. I should note that when I first transferred my loans to Fed Loan servicing it literally took them more than a YEAR, to update my payment counts. That brings up high levels of frustration with my former servicer XXXX XXXX. It is my understanding that they failed to keep accurate payment records and continually steered people to periods of forbearance vs offering an income based payment. 
Currently, trying to call and speak with a Fed loan representative is a nightmare and very difficult if one does not have 2-3 hours to wait on hold. I believe that I should be at or very close to the required 120 payments and getting the payment status changed for the above dates would be helpful in me reaching my goal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: Alliance One, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been called XXXX times by the above company on XXXX different days. They left a voicemail with a claim number XXXX '. I am to call them back and quote this number. They have also called by fiancee 's parents in XXXX, DE and also my parents in XXXX, XXXX. I have researched the web and found many scam related incidents regarding this company and have been advised to file a complaint with you. Today, I answered the phone and the lady said that they were taking legal action against me from 'Alliance Online ' since I would n't pay {$500.00} on the phone today. Her last words to me were 'See you in court '. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Patenaude & Felix APC on behalf of Plaintiff XXXX XXXX, A Delaware Statutory Trust ( S ), submitted a lawsuit against me in an effort to collect on an alleged loan account that they claim was funded by XXXX.. I never had such a loan account. I did have a loan account through XXXX that was funded through XXXX aka XXXX aka XXXX. I contacted both XXXX, XXXXA. and XXXX. to find that no loan accounts with XXXX. that they reference in their law suit exists. The loan account number is illegitamate and does not even meet the character limit for account numbers at XXXX. Furthermore, XXXX. does not service private loans and only does checking accounts, savings & CD accounts, Auto loan accounts, Credit cards and Mortgage accounts. They do not offer personal loan accounts such as the one referenced. The Plaintiff has manufactured an illegitimate Loan Agreement and Note of Disclosure with XXXX as the creditor and myself as the borrower. THIS IS ILLEGAL and it 's been a terror to fight in a legal platform that I am uneducated in and do not have the financial ability to retain legal counsel to fight. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt collector has reported information to creditor bureau that I owe a debt. However I was never notified of the debt. I discovered the debt via reporting of my credit report. I then contacted the creditor bureau and the debt collector via several methods ( including certified mail ) to notify them that I have disputed the debt and request validation of the debt. However as of today despite my attempts I have received no notification of the debt and the collection agency has violated my rights by failing to provide me with validation of the debt or at the very minimal notifying the creditor bureaus of the dispute. As of date this collection was never placed in dispute despite my many attempts. The collection agency is ignoring my requesting and refusal of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Services is maliciously reporting to all 3 bureaus and that I owe {$1000.00} on an account that has a XXXX balance and that 's completely false!!!! I do not owe anything ... .I have documents to support these lies .... I 'm stress out my credit score has dropped due to these false claims. PLEASE GET THESE CROOKS OFF MY BACK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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