BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
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:
15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions!

15 U.S.C 1692k - Civil Liabilities!

Sun loan - This account should not be on my credit report, reporting improperly. 
XXXX XXXX XXXX XXXX never gave written consent to report this! 
XXXX XXXXXXXX XXXX - reporting illegally and improperly XXXX XXXX XXXX  - XXXX - reporting illegally and improperly, this account has already been removed from other bureaus!

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Not my items

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 2020-07-26
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  i cosigned for a loan for a then friend to purchase a vehicle. The loan amount was originally over XXXX. Th payments from the co borrower was late from the very begining, and a couple times was delinquent as much as 120 days. I contacted XXXX XXXX XXXX XXXX   on more than one occasion including going in person in order to try and get the truck or assistance in getting the bank to get it back i was willing at the time to take over payments. I was told no they would'nt do it. this went on several years at the same time my credit was destroyed Sometime later Mr XXXX voluntary reposessed the truck and was left with a debt of more than XXXX. Now mind you the vehicle started out at XXXX. and for several years he made payments on time. My complaint today is that amount of collection that i am being sued for is not right. I reached out to the bank over and over for help in resolving this matter. The bank official that i was dealing was racist and treated me very disrespectful.I went and sat down with then president of the bank twice and he assured me that they would be going only after Mr XXXX. My wife has been fighting XXXX XXXX and i told them about our financial hardships. I feel like victim when over and over i tried to work with the bank to resolve this. My credit has been destroyed and i think thats punishment enough for my good deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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 explanation
Consumer complaint received 2022-04-14
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mailed a debt validation letter to company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Received a letter in the mail stating account was validated with no proof of copy of the written agreement that created my original requirement to pay, did not provide verification and documentation about why this is a debt that I must pay such as last billing statement or any documents with my signature. I sent a follow up letter to the company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Company failed to respond. Checking my XXXX credit report this company has added a collection to my report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 for the same account.

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 2018-02-08
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
spam call everyday. owe no debt so please go after these XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my mortgage payment in the amount of {$180.00} on XXXX to Fay Servicing. Fay Servicing LLC sent the payment ( my check ) back stating that account was in active pre foreclosure or foreclosure status on XX/XX/XXXX. I called Fay servicing on XXXX and was told I had an attorney and they could not speak with me. I do NOT have an attorney and had they checked the Bankruptcy records and properly documented the account they would see I can represent myself. By their own statement it showed I was current and paid ahead until XX/XX/XXXX and that the balance due for that payment was only {$65.00}. Fay took my previous XXXX payments from XX/XX/XXXX without issue. Fay Servicing took over servicing of this loan around XX/XX/XXXX. I NEVER had a problem with making payments over the past almost 7 years with the previous servicers. I am concerned Fay Servicing is dealing in deceptive practices forcing on time borrowers into foreclosure by their, Fay Servicing, own doing. I might suggest that Fay Servicing provides evidence as to how many other people they are sending back payments on to put them in a delinquency scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX XXXX mad a withdrawl on my account for {$110.00}. 
XX/XX/XXXX I notifed Chase Bank of Fraudulant transaction and it was reversed. 
XX/XX/XXXX the reversal was reversed without providing evidence to why my fraud claim was denied. 

Several periods from XX/XX/XXXX thru XX/XX/XXXX I continued to contest transaction and be ignored. I asked to have account closed which they refuse to do. 

Chase knowling is allowing fraud charges to be charged and refuses to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
A random account from XXXX XXXX XXXX showed up on my credit report recently. I reached out to the furnisher to gain information on the account and they explained that an account was opened in my name in 2015. I did file a police report but since the account was originally opened in 2015 it seemed to be useless for my dispute. Other than the fraudulent claim, this account is still reporting illegally for several reasons. The credit bureaus response to my dispute was that the information was verified and updated. I did not receive any information as why this account is reporting without my consent, why the information is reporting as the account was re-aged, why the account is reporting if the date account opened is incorrect and could not be verified, the date of last delinquency could not be verified. My request to the credit bureau is that I do not receive an automated response as I would like an actual human to answer these questions as to why there is something legally reporting on my credit. I am in the process of buying a home and I have been delayed tremendously due to this which has caused me a higher interest rate on my home and an overall terrible experience.

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 2018-10-10
Company: Financial Recovery Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, Financial Recovery Service mailed a letter stating I owe XXXX on a past due account from XXXX XXXX XXXX XXXX Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now FRS is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
on XXXX i requested a method of verification with Transunion for the following inaccurate, unverifiable, obsolete account XXXX XXXX XXXX # XXXX they failed to verify it, this is a violation. I am extremely sad and stressed. XXXX XXXX XXXX of 1974 - XXXX XXXX XXXX section XXXX. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents. 
A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) statutory damages of {$1000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. I.R.C. 7431 ( c ). 
I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX  XXXX showing on your credit report. 
I therefore request that you remove immediately this XXXX from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have previously contacted XXXX, XXXX, and TransUnion about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for sixteen years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX company have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX company of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the three credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern, I am writing to request assistance with a matter concerning my credit report with Experian. I have discovered an erroneous collection item listed on my credit report that I believe was added in error, and I would like to request that it be removed immediately. 

The collection item details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX ( partial ) Address : XXXX XXXX XXXX, XXXX, VA XXXX Reported Amount : {$8600.00} I have attached copies of the pertinent pages from my Experian credit report for your reference. I believe this collection item is a mistake, and I am requesting that it be removed from my credit report immediately. I have already attempted to resolve this matter with Experian and XXXX XXXX XXXX directly but have been unsuccessful in having it removed. 

I kindly request your assistance in this matter and ask that you investigate this collection item and facilitate its removal from my Experian credit report. I understand that the CFPB plays an essential role in helping consumers like me protect their rights and ensure the proper conduct of credit reporting agencies. 

Please confirm in writing once the collection item has been removed from my credit report, or if you require any further information or documentation from me to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 2023-07-27
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: V and H Portfolio
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: Old information reappears or never goes away

Complaint:
At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is Vance and Huffman. 

Fast forward to XX/XX/2022 Vance and Huffman LLC removed their negative item from my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023

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