BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to address the serious concerns I have regarding the debt collection activities associated with Account Number XXXX. It has come to my attention that your agency may be in violation of various laws and regulations, as detailed below : 1. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Your agency has failed to adhere to the FDCPA ( 15 U.S.C . 1692g ), which mandates providing written validation of the debt within five days of initial communication. This omission raises significant doubts about the validity and legality of the debt in question. 

2. **Fair Credit Reporting Act ( FCRA ) Violation : ** - Your agency appears to have accessed my credit report without my explicit consent, a direct violation of the FCRA ( 15 U.S.C . 1681b ). This is not only a breach of federal law but also a violation of my privacy rights.

3. **Georgia Law Violation Lack of Explicit Consent : ** - Georgia law explicitly requires that debt collectors obtain explicit consumer consent before accessing consumer reports or disclosing non-public personal information. Your agency 's failure to secure such consent is a clear breach of state law.

4. **Unauthorized Addition of Items to Credit Report : ** - The unauthorized addition of items to my credit report without proper validation and consumer consent further violates federal and state regulations, undermining the accuracy and integrity of my credit history.

Furthermore, it is crucial to emphasize the emotional distress caused by these violations : The unauthorized use of my private information and coercive tactics have left me feeling scared, nervous, and unsafe. This emotional distress is a direct result of your agency 's actions, compounding the urgency for resolution.

I demand immediate corrective action, including providing written validation of the debt within 30 days and confirming my explicit consent for your agency to access my consumer report and non-public personal information. Failure to comply will leave me with no choice but to pursue legal remedies available under state and federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently obtained a copy of my credit report and noticed a series of late payments being reported. I immediately contacted Transunion and XXXX because the late payments being reported are inaccurate. The late payments showing on my account from XXXX and XXXX were covered during the pandemic and covered by the CARES ACT. I contacted creditors directly when affected with my hardship to setup an accommodation to ensure my credit would not be affected. Both accounts have been paid as agreed and closed. I was assured that my account status would remain " current '' during this period. 
Furnishing the late payments to my profile is in direct violation of FCRA law 15 USC 1681 s-2 ( f ). I'm assuming this is billing error, but this also further violates my consumer law specifically 15 USC 1666B. I have requested verification from Transunion and XXXX with no response. These late payments showing from XXXX ( XX/XX/XXXX ) and XXXX ( XXXXXXXX XXXX  ) are 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company.

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through XXXX 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the XXXX would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However XXXX reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with XXXX by XXXX XXXX XXXX and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore XXXX did did not report the XXXX amount to Experian.

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 2022-12-27
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, a transfer of mortgage servicing from XXXX XXXX XXXX to Freedom Mortgage Corporation servicer occurred. I received my escrow analysis in XX/XX/XXXX from Freedom Mortgage and they assessed that my escrow payments will increase on XX/XX/XXXX to {$570.00} per month due to a {$7200.00} shortage. When I look at their actual activity for escrow money paid in and paid out from website payment history on XXXX XXXX ( XXXX XXXX XXXX  ) and Freedom Mortgage ( https : //myloan.freedommortgage.com ) it did not match. I calculated that I paid in {$20000.00} and paid out ( {$18000.00} ) in my escrow. Freedom Mortgage calculated that paid in amount is {$13000.00} and paid out amount is ( {$11000.00} ).

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 explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: EQUIFAX, 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 have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with Equifax I have the following fraudulent accounts - XXXX XXXX - XXXX  - XXXX XXXX On my XXXX   credit report - XXXX XXXX - XXXX  - XXXX  XXXX  I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
In XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX  card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO INCOMM VANILLA GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY XXXX XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO XXXX XXXX GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}

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 2023-11-11
Company: Experian Information Solutions Inc.
State: VI
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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 am writing to formally file a complaint against EQUIFAX, XXXXXXXX XXXX XXXXXXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE EQUIFAX, XXXX, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from EQUIFAX, XXXX, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, XXXX, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/23 I ran my credit report via Experian due to a surprise credit decline recently. While reviewing the information, I noticed two mistakes : first, a variation is incorrect ( this is NOT an AKA of mine ) XXXX XXXX XXXX. Second, I am not associated with any SSN ending in XXXX. Clearly these are data processing errors and someone keyed in incorrect information. I would like these associations to me corrected. I tried via the Experian webpage to correct three items that I found, and I could not add these two to the dispute cart. Instead, Experian asked me to call XXXX but there was no option to add this to the dispute cart.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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