BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXXXXXX XXXX  - XXXX XXXX XXXX, account ending # XXXXXXXX XXXX XXXXXXXX, account ending # XXXXXXXX XXXX XXXXXXXX, account ending # XXXX XXXX XXXXXXXX XXXX, account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-10-06
Company: Avadyne Health Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 23 phone calls from this debt collection agency, within the last 3 months. They call me while I am at work, it is a very frequent occurrence and it is very harassing and intimidating. I'm afraid to answer the phone when I receive phone calls because I don't know if they're calling from another number or not. I'm unable to answer the calls while I'm at work, and it's creating an air of panic. Every time I receive a phone call. It impacts my ability to do my job because I'm receiving these phone calls. I am unable to answer these calls because I'm working and the company will not stop calling me. It is abusive, unfair, and intimidating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.

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 2020-07-12
Company: Home Point Financial Corporation
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:
1. ) back in XXXX of XXXX Home point ( H.P ) was servicing 2 of my loans both were being auto drafted from my checking account. 

2. ) H.P has 2 locations one in XXXX NJ, and one in XXXX Texas, so they switched serving the loan from the XXXX, NJ location to the XXXX location, this transition period took place during the missed payment period XXXX of XXXX, however, I was not made aware of this transition.. 

3. ) They claim that they sent me letters, and they also claim that they called me 35 times on my cell and my land line. and i said to them that i do not have a land line that takes calls it is a land line set up for a fax scan. only. I also asked them if you called my land line you should have known that it connects to fax not a phone. so then i asked why would you not fax the communication when you were calling the land line knowing that it giving a fax single, i also asked how many time did they call the land line and how many times did they call the cell. they did not reply. 

4. ) They claim that they sent me a goodbye and a welcome letter which i replied that i never received or that it may have been delivered to wrong address or not delivered at all. I also requested to see the letters that were composed and the proof that they were mailed to me. they never replied, 5. ) so during this transition from H.P of XXXX NJ to H.P XXXX Texas the scheduled auto draft was not executed, so as a result H.P is reporting that i was between 30 and 59 days late. So now this has negatively effected my credit in meeting the eligible criteria.for certain loan products, and it stay on my report for 7 years.

6. ) Once i was notified by letter that the payment was not drafted i called right away and settled the missed payment and current payment.

7. ) I have sent in numerous request to home point explaining these circumstances on XX/XX/XXXX XXXX XXXX. It seem that they have the ultimate say where they think they have the power to be the judge and jury.

8. ) I am hoping that you will be able to help me regarding this matter with H, P

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX XXXX XXXXXXXX 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 2022-11-14
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement from the medical provider which was not accurate. I am not being credited for my payment ( they are sharing the fee with a facility ). I reviewed the statement with them on XX/XX/22 and they indicated they were going to send it back to " posting for clarification ''. I asked if I would receive a revised statement or a return call and they answered yes. The next contact was a collection notice on XX/XX/22. 

*The facility they are splitting the fee with has confirmed they received my full payment AND the respective share of fee shows on each of their statements.

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 2022-11-29
Company: Experian Information Solutions 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-17
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on XXXX and I saw a friend was selling lots of stuff. I was interested in a few things. His name was XXXX XXXX and I grew up with. All seemed legit. Said if I paid him something as a deposit he would remove the picture in the post. I sent him XXXX via Zelle. This was Sunday XX/XX/XXXX. I didnt discover until the following day that it was a scam. I contacted Zelle and my banking institution and I can not get the money back. I am a young widow with a young daughter and I am making XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a loan during the first financial crisis in 2007 for my first mortgage. It was a predatory loan, I was told I needed a primary loan ( 1st ) and a line of credit ( 2nd ) for 100 % financing option. I had the loan since 2007 with no issues. Although I know this was a predatory loan with an super high interest rate, I wanted to keep to my commitment and agreement so I did not challenge any of the circumstances. The loan was sold off several times until I was in the hands of Specialized Loan Servicing. I received a notice from Specialized Loan Servicing that my payments will be going from interest only to principal & Interest and that they wanted me to sign a " modification '' so I can only be on interest only. I thought this was only beneficial to Specialized Loan Servicing and after 10 years of paying Interest only as agreed, I was excited to see my principle go down so I declined this offer they Specialized Loan Servicing Sent to my house almost every week. ( They were sending me certify mail with A Pre Approval almost every week ). I received a credit notice from my bank for a negative credit inquiry which was shocking. Specialized Loan Servicing reported to the Credit Agency. I have never had a late payment my whole adult life and now all of the sudden I had 31 which was mind blowing. My credit was ruined. I called Specialized Loan Servicing and was told essentially that this was due to me not signing the modification. I asked for help and was diverted from any type of assistance that would help me. I asked for the original documents I signed so i can review the terms or have an attorney review them and til this day I have received nothing. I pleaded for direct help over and over again with someone in leadership who can help me and was denied. I offered to show bank Statements with proof of payments made to them and was not helped. I asked more then a dozen times to speak to a manager who can help me. I wanted to meet my obligation for my debt and get a clear understanding of what was and has happened and was denied this bare ask from Specialized Loan Servicing. 
This was an extreme retaliatory doing by Specialized Loan Servicing for not taking the offer they gave me in paying interest only to principle & Interest payments. They ruined my credit and attached 31 late payments to my credit report. Please Help 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct.

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had been on a payment plan with XXXX  XXXX in XXXX, XXXX paying what I could on several ER visits XXXX XXXX, etc. My bank information was on file with permission to draft monthly. I lost my job due to my health condition in XXXX of XXXX and had increased medical bills without income and had to lower the amount I was paying XXXX  XXXX. In XXXX of XXXX I regained employment and began to address bills that were past due or payments were lower than the minimum. I couldnt keep up as I was still in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX the XXXX  XXXX XXXX went to Accredited Collection Service , INC . When a rep would call I would request what amount and services were provided? I was told to open my mail and the rep would review the address on file. I asked the minimum payment to begin paying the debt. I was told by Accredited Collection Service, INC. each time a rep called the same line. No payment would be accepted other than the total amount due or an attorney would be contacted and I would be responsible for those fees as well. I do not have access to {$1900.00} to pay the medical bill in full. I explained this each time. I also explained I could pay monthly {$100.00}. I was told I could not pay any partial amount other than the full amount due. At my home a sheriff delivered a summons indicating I am being sued by Accredited Collection Service , INC. on Saturday, XX/XX/XXXX. I have since received mail from local attorneys citing each has found the suit and offers their services. I dont think the practices of Accredited Collection Service, INC. are sound or ethical. If I would have been well I could have qualified for assistance with XXXX  XXXX. If any other debt collector I could pay payments. Coming up with $ XXXX or go to court is absurd.

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 2023-07-18
Company: Experian Information Solutions 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:
FINAL WARNING : Please stop Experian from violating my rights, I have attempted to fix the violations without legal counsel and no longer will. I will exercise my rights and wide social media following to bring awareness to my situation and potentially the ones of others. I ask again for the final time, please block, delete, remove the information listed below immediately. I did not give written consent. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation