BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, a formal letter was sent to XXXX and Equifax requesting verification of a bankruptcy appearing in my credit file. I received a letter back on XX/XX/XXXX, from XXXX indicating this bankruptcy was verified as accurate. 
On XX/XX/XXXX, I contacted the credit bureaus and spoke with a representative about the " alleged '' bankruptcy and was informed that they would reopen the investigation. 
On XX/XX/XXXX, I contacted XXXX and Equifax again to inquire about the resolution to the " alleged '' bankruptcy and was informed by XXXX XXXX at XXXX in XXXX that the bankruptcy was " verified '' by a 3rd party professional entity and that the " alleged '' bankruptcy would remain. I requested a copy of the signed " alleged '' bankruptcy petition be sent to me or whatever documents XXXX and Equifax used to verify " alleged '' bankruptcy ( because XXXX, XXXX XXXX, and XXXX are not reporting the " alleged '' bankruptcy ) and was advised they did not have actual verification documentation they could send as proof of verification. 
On XX/XX/XXXX, I mailed another letter to XXXX and Equifax requesting a copy of any documentation used to verify " alleged '' bankruptcy as this is my right as a consumer according to the FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate the accounts listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-28
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We unfortunately got transferred to Mr. Cooper from another company that we loved. I made a payment on XX/XX/18 in the amount of {$270.00}, but they didnt remove it from the amount owed. I have spent countless hours on the phone trying to get it fixed, only for them to fix the total I owe and then revert it back like we hadnt paid anything. This company is ridiculous and trying to scam people out of their money. There have already been lawsuits filed against them and I have no idea how they are still in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-03-17
Company: EQUIFAX, INC.
State: SC
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:
When I reinvestigated my credit report in XXXX XXXX I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX XXXX sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. XXXX initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.

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 2022-01-28
Company: LEXISNEXIS
State: IL
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX  I opened a credit card with Banco Popular de Puerto Rico. Over time, I had to max-out the card to cover unexpected expenses. After it was maxed out, I only payed the minimum and never used it again. This year I am making arrangements to make more payments to the card and I notice a {$95.00} charge every month going back years. I called the bank and they told me it was an optional insurance and that I could cancel it. I told them I never agreed to any insurance on my credit card. The insurance company named XXXX says the bank opened the account on my behalf. $ XXXX  monthly for months on end that I never authorized. I did not even know of the insurance companys existance. I already made a letter to request the cancellation of said insurance policy but neither the bank or XXXX want to take responsibility for charging what sums up to be thousands of dollars without my authorization and against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: IN
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX has made it very difficult to submit any documentation and has even acknowledged that documentation they have received was exactly what they asked for, they still will not remove my unauthorized inquiries. I have 14 inquiries listed on my consumer file. This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning. I received and alert from my credit service about a Collection flag in my credit report. It said it was from a XXXX XXXX XXXX account never paid. I only have XXXX XXXX account with XXXX XXXX XXXX. Also, I went to XXXX XXXX XXXX to ask if they are having any account in my name besides my XXXX XXXX, they said NO, no account in my name besides XXXX XXXX. 
The company Colletion name is : M.R.S ( www.MRSBPO.com ) Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX  Phone : XXXX XXXX XXXX  Blance date : XXXX XXXX Balance : XXXX  Here is the copy of the document they send me : XXXX XXXX XXXX   Payment Link Creditor : XXXX XXXX  Creditor Acct # : XXXX XXXX XXXX # : XXXX ACCOUNT BALANCE : {$1400.00} Dear XXXX XXXX XXXX XX/XX/2023 We recognize that sometimes circumstances or events can make it difficult to satisfy your financial obligations. We are presenting three options to resolve your balance. We are not obligated to renew these offers. 

Option 1 : Make 1 payment of {$1100.00} to be received by XX/XX/2023. 

Option 2 : Simply pay 2 monthly payment ( s ) totaling {$1200.00}. Your first payment of {$620.00} is due by XX/XX/2023. Remaining payments of {$620.00} are to be received by the XXXX of each following month until the total discount offer of {$1200.00} is paid. 

Option 3 : Simply pay 3 monthly payment ( s ) totaling {$1400.00}. Your first payment of {$460.00} is due by XX/XX/2023. Remaining payments of {$460.00} are to be received by the XXXX of each following month until the total discount offer of {$1400.00} is paid. 

Payment may be made by calling ( XXXX ) XXXX, mailing to the address below, or by using our online payment website at https : //portal.mrsbpo.com. 

When you call please let our representative know that you have received the XXXX XXXX option letter. 

Sincerely, MRS ASSOCIATES ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
The money was taken out of my account and when the funds were insufficient they continued to run and rerun it through my account causing fees as well as Ace charging me more fees. I had to pay all the fees and this took months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ENCORE CAPITAL GROUP 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:
15 U.S. C. 1681 section 602 A. State I the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692C ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: AL
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 disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Experian is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false 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 2023-08-23
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial provided a loan transfer information to a new portal in XXXX that it will be completed after 2 weeks. After 2 weeks, they sent another email that the transfer has been delayed. They have not provided any information on the transfer so I can not sign up to make the payment. Interest will accrue on XX/XX/XXXX so if they are making us pay the interest during the time I can not make the account, this is a very unfair/unlawful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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:
Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One incorrectly reported a default payment on annual fees on my account. In XXXX of XXXX I was charged a {$39.00} annual card fee. Then in XX/XX/XXXX I was charged a late fee. I paid all outstanding balances in XX/XX/XXXX, and had not principal balance since XX/XX/XXXX. Capital One reported two default payments to the Credit Bureau, when it should've just been one report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is additional information for complaint number XXXX. 

I called American Express and spoke with employee " XXXX '' Employee ID XXXX who confirmed that I do not have any active accounts with American Express. She verified that the AMEX account in my zip code XXXX with the last 4 digits matching my social security number belongs to another person, and there are no accounts with AMEX under my name and complete social security number. 

With this minimal information, " XXXX XXXX XXXX '' assumed that the account they are trying to collect belongs to me, and it does not. Additionally, " XXXX XXXX XXXX '' did not ever nor has American Express ever sent anything in writing to validate their claim that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I attempted to purchase my leased vehicle from the dealer earlier in XXXXThe dealer presented me with a so called " purchase agreement '' which included Over {$1200.00} in fees in addition to the payoff of the lease.Their representative said they were facilitating the sale as a courtesy to me and the fees were for " paper work '' the dealer had to do.I contacted the title holder and they agreed to send me the title to my vehicle for just the payoff amount with no extra fees included. The dealer also wanted me to finance the inflated sales price with their finance company.I believe the fees charged were unwarranted and excessive and that this practice is fraudulent, predatory and illegal.I complained to the dealer and the lease company but to date have heard from neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: DC
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 recently sent out a letter to request the description of the procedure used to determine the accuracy and completeness of the accounts in dispute below. The letter was mailed out XX/XX/2023 I still have yet to receive a reply from you or anything from your company to let me know the results of my dispute/request. It has been just shy of 60 days since mailing my request. 15 usc 1681i ( 7 ) states that you have 15 days to provide the description after you received the request. With that said you are currently in violation. As a consumer I have the right to request this information in connection with 15 usc 1681i ( 6 ) ( B ) ( iii ). In the previous letter I sent, it states my reason for disputing the items.

Below you will find the items listed again and I am requesting that yall reply within 5 calendar days.

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 2020-09-04
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: Personal information incorrect

Complaint:
After applying for a mortgage loan and finding out my 3 credit bureaus are reporting wrong information on my credit report. My loan is now on hold until this problem is solved! They are reporting wrong addresses on my report, addresses that don't even exist. I have lived at the same address since 1985 and have never used another address. I have lived at XXXX XXXX XXXX XXXX XXXX since 1985 and have never used another address.

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