BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: United Collection Bureau, Inc.
State: OH
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 sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, UNITED COLLECTION BUREAU has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to XX/XX/XXXX They are supposed to send me a signed contract with my SIGNATURE! They're in violation! XX/XX/XXXX is in violation as well. Also United Collection Bureau is reporting different amounts on these accounts to XX/XX/XXXX and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, United Collection Bureau DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to XX/XX/XXXX XX/XX/XXXXis supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied to refinance our home through AmeriSave Mortgage Corporation with a VA loan in early XX/XX/XXXX. Initially, we had difficulty getting any responses at all after we had received the mortgage options. We have been consistently asked for the same documents repeatedly. We have endured one excuse after another for delays, none of which were valid reasons. We are now in XX/XX/XXXX and still no final approval or closing date scheduled. After being told XXXX, they needed one more item ( which had previously been provided several times ) and a tentative closing date was being requested for XX/XX/XXXX-XXXX. We have now received a notification that XXXX W2s are now required to move forward. These documents have not even been created yet, as there has not even been 1 business day in XXXX. AmeriSave has XXXX W2s and pay stubs for each pay period since XX/XX/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 2020-05-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested from Equifax my free annual credit report three times. I did receive my XXXX XXXX and XXXX  reports. However, I need my Equifax report and I even submitted a copy of my drivers license to confirm my address. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance Corp has been filing false information to all three credit bureaus in regards to the repossesion and last reported payment to extend credit reporting I have never made any payments in the year of XXXX  in fact my last reporting of a payment received was almost nine years ago or more they are refusing to remove this from my credit report when filing disputes

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 monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 names : # 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 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 non-monetary relief
Consumer complaint received 2019-03-18
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First I do apologize for bugging CFPB in reference to this problem. I previously submitted a complaint against The Trellis Company in reference to a Student Loan from back in XXXX. I received information through CFPB, per Mr. XXXX XXXX to contact him. I contacted Mr. XXXX in which I asked him for information showing I did not ask for this forgiven loan to be repaid by me. I informed Mr. XXXX the last thing I knew about this loan it was forgiven. I also informed Mr. XXXX if something had changed no one notified me in any way. 
Per MrXXXX XXXX, he would have someone contact me and supply me with the requested information. After waiting over a month I contacted Mr. XXXX and he asked you havent received anything yet? I informed him nothing, to this day Ive yet to be notified from anyone at Trellis Company in any way. I have contacted Mr. XXXX numerous times only to be sent to his voice mail. I have left numerous voice mails messages however, he has yet to return a call or supply me with any documents. I feel this is the same reason a {$2000.00} XXXX XXXX is now over {$6000.00}, due to not being notified or communicate with. 
May I PLEASE have some assistant with this from CFPB? This information is being reported to the Credit Bureau and I'm trying to get it resolved. I can not do anything if the Trellis Company refuses to talk to me. I have been trying to resolve this for quite some time. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : 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 2021-01-02
Company: Siggi LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a XXXX veteran living in XXXX XXXX Alabama. I am seeking your assistance in regards to illegal practices of Omni Financial of Nevada , Inc. After extensive research, I have found that Omni Financial has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was Omni Financial was not registered to operate until XX/XX/XXXX. I unfortunately defaulted on the loan due to lack of income. Since then the original amount to pay back has jumped to {$16000.00} ( {$8500.00} in interest and late fees added each month ). 

There was a recent Administrative hearing held by the Bureau of Consumer Financial Protection in which they found a number of Omni Financials practices illegal. I ask that you review the attached documents and provide any assistance you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2022, XXXXThank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 G. I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from XXXX, TransUnion, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, XXXX and Transunion consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reportsXXXX XXXX  HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED

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 2021-04-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've been a PayPal user since 2000. They have my social security number and several of my banks and credit/debit cards are linked to my account. Today I received an email stating " You can no longer do business with PayPal '' with the reason " After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. '' There was no warning and when I called PayPal, they sent me to a legal page which is for Law Enforcement/Government agencies, to request information. There's no way for me to contest this. In 21 years I've never had an issue with PayPal but all of a sudden they say they are closing it. I pay monthly bills through PayPal so not having access to add money, or withdraw money, is going to cause issues with my automated payments. The email I used to open the account, XXXX, is my primary email and the only one I've ever used with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TN
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 submitted a block request. Per the statute a block request should only take 4 days. It has been over a month with no positive results.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2020-09-09
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:
Following accounts are fraudulents : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : 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 explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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, 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 non-monetary relief
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-04-26
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: Information belongs to someone else

Complaint:
This is not only the tenth time I have contacted Equifax, but the fourth time I have contacted you all. This company continues to report inaccurate information on my credit report. I have sent over all types of prove, I have sent over police reports 5 times showing that my information has been used in different place since I was robbed. When this happened I placed a fraud alert on your credit and still my information was used. Equifax is the only agency reporting these incorrect, lies on my credit and refuses to change it behind the credit agencies that have also failed several time to correct these issues. Each email that I have received from CFPB is in favor of the credit agency, when the information is false. On top of that every time i send in my request, the dates change, the amounts change and the name changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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:
Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.

Company response to consumer: Closed with explanation