BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and Experian. To date the debt has not been validated but still remains on my XXXX  and experian credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and XXXX and experian have failed to provide the method of validation. This account is unknown to me and I wish it to be removed 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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
My credit score is illegally being manipulated. It does not show an increase as payments have been and are being made on time. It is frozen. This is my second complaint.

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 2020-06-16
Company: Experian Information Solutions 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:
A credit card with XXXX XXXX  shows on my credit report with a limit of {$300.00}. It is showing that I am 30 days past due. I never opened any card with XXXX XXXX. This account does not belong to me. I have filed a dispute with Experian and called XXXX to file a dispute with them as well. The woman on the phone took my information ( name, address, phone # etc ) and said she would look into it. The dispute came back as accurate and it is NOT. This is a fraudulent account and it is negatively impacting my 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 2022-07-13
Company: EQUIFAX, INC.
State: HI
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 the last month, 2 student loans were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and XXXX removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. Equifax on the other hand did not. Ive filed multiple disputes with Equifax regarding these 2 accounts and they keep saying the information is accurate and wont remove these accounts from my credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have the first reported delinquency as XX/XX/XXXX. This is inaccurate. These accounts are over XXXX XXXX XXXX, and the first reported delinquencies happened over 18 years ago. Once I filed the first dispute they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT # - XXXX Principal - {$3000.00} Interest - {$2400.00} Total Balance - {$5400.00} LXXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX Current debt Holder - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX debt holder - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX ACCOUNT # - XXXX Principal - {$4500.00} Interest - {$3600.00} Total Balance - {$8100.00} XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case American Express National Bank v. XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with American Express. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to American Express. 

This is legally problematic due to several issues. ( 1 ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( 2 ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( 3 ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( 4 ) I have mental issues including XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: AL
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: Other problem getting your report or credit score

Complaint:
My credit score does not ever change with Equifax. Equifax is not removing inquires off my report. I have file a FTC report to have account remove they have refused. Equifax have not updated my credit report with my good standing creditor 's. Equifax will not remove accounts that are over 7 & 10 years on my report .I am reporting discrimination and the customer service rep are rude and hang up the phone to keep you from disputes. 
I am very discussed with them .EVERYTIME I CALL they have my number on block to keep me from getting thru. I get a recording from my number but, when i call from another phone number I get thru to them .when a rep answer they put me on hold for a long period of time This is so unprofessional. we need to replace this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme dissatisfaction with the claim made by your company that I am legally obligated to pay a debt to XXXX XXXX XXXX XXXX. Before I even consider making any payment, I demand the following documentation to validate the legitimacy of this debt. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Please note that I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to take further action to protect myself if these demands are not met within the statutory time frame. I expect immediate compliance with this request. XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-18
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:
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, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove 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 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Credit Collection Services contacted me by text message at XXXX EST in regards to a collection account from XXXX XXXX XXXX This is absolutely unacceptable. Especially as I suffer from severe XXXX, I had managed to fall asleep and the incoming message woke me up which caused me to be awake the rest of the night. A screenshot of the message is attached showing the time the message was received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have waited on hold for three hours trying to initiate a wire transfer to my brokerage account in which the bank had me on on hold for three hours in which I missed my deadline to send important funds to my brokerage which will cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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 XXXXXXXX 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 2022-11-30
Company: EQUIFAX, 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:
I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A judgment was entered against me in the XXXX XXXX XXXX on XX/XX/2022 by Glasser & Glasser on behalf of XXXX XXXX XXXX for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with Glasser & Glasser to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that Glasser & Glasser will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When coming out of mortgage forbearance, Loancare repeatedly would not process the paperwork I sent in, delaying the repayment process. I finally had to call in and tell them I had sent paperwork multiple times, they then processed my loan restart with just my signature ( not asking for paperwork again ). I was informed multiple times that the delinquent notices I incurred while they failed to process my paperwork would be removed as soon as I made the first few payments. I have made multiple payments and they are still there. I reached out to loancare to fix the error. They sent me a letter back saying it was accurate. I need it fixed as soon as possible. It is really hampering my ability to get a business loan to grow my business. Thank you for all your help.

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 2021-06-20
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax, XXXX  and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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 have 5-8 negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, Experian, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. XXXX, XXXX, and Experian are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked XXXX, XXXX, and Experian to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.

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