BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My identity has been stolen, and I am really upset about it. The following inquiries on my credit report are the result of fraudulent and illegal usage of my social security information and card. I am neither the owner of these inquiries, nor did I provide permission for them to be made on my credit report. They are also unrelated to any of the accounts that are listed on my credit report. I had no prior knowledge of any of this. The Federal Trade Commission is also looking into this matter right now. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Under penalty of perjury ( under the laws of the United States if executed outside the United States ), I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am authorized to initiate this dispute under FEDERAL and STATE LAW. 


I am submitting this complaint on my own behalf.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts, Late Payment Letters Sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts : Department Of Education/XXXX ( Late Payments, XXXX, XXXX Only Shows On Transunion Report XXXX Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX - {$460.00} 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 2023-07-27
Company: EQUIFAX, INC.
State: GA
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:
UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  OTHER NAMES LISTED DO NOT BELONG TO ME -XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Starmark Financial LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
-StarMark Financials LLC violated the following laws : - Fair Debt Collection Practices Act- not ceasing collection activities when in fact I clearly responded and disputed the debt within the 30-day response period and by reporting to the credit bureau this account for collection prior to the completion of the debt validation process. In addition, since StarMark is not the original lender and StarMark was claiming that it acquired the debt from XXXX XXXX, it failed to provide proof of ownership -Esign Act and Uniform Electronic Transactions Act - none of the requirements to consider the Esignature valid were met Important Dates/Information : - Debt being collected was a result of online fraud - Amount of supposed debt - {$2500.00} -Supposed Original Creditor : XXXX XXXX ( Acct # XXXX ) -Supposed Buyer of the Debt : StarMark Financials LL ( Acct # XXXX ) -Collection Letter from StarMark Financials : Dated XX/XX/XXXX received on XX/XX/XXXX -My Response Date to StarMark Financials : XX/XX/XXXX ( I have proof of USPS receipt ) -Actual Date StarMark Financials received my dispute letter : XX/XX/XXXX, XXXX XXXX. ( I have proof of USPS Tracking System ) -Date Collection Account Reported to Credit Bureau ( XXXX ) : XX/XX/XXXX XXXX Response Date to My Disputed Letter from StarMark Financials ( included supposed supporting documents of the debt ) : XX/XX/XXXX ( letter sent by XXXX XXXX ) -Documents provided showed : - no valid signature from me- loan was supposedly transacted and completed online - debt claimant failed to show proof that all of the following requirements under Esign Act and Uniform Electronic Transactions Act were met : - intent to sign & opt-out clause - consent to do business electronically - clear signature of with the record - association of signature of with the record - record retention - StarMark Financials failed to show proof of ownership of the supposed acquired debt from XXXX XXXX - no deed of assignments were provided showing that the debt was legally transferred to StarMark Financials- I called StarMark Financial and determined that my account was already sold to XXXX XXXX - another harassing tactics

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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.

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 2022-03-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

Equifax- Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax not my accounts- XXXX  and XXXX XXXX not my inquiries XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX- Not my inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my home loan to Fay Servicing in XXXX. I have had several concerns about this company, especially the customer service department. No one seems to know anything about my account. I started making payments to Fay servicing in XX/XX/XXXX. Fay Servicing has reported my loan to be a bankruptcy discharge, when I have proof of filing a reaffirmation and have copies, they refuse to update. My reasons for filing this complaint is about my payments are not applied to my account correctly. We have suffered a lot of financial hardship in this era, and it has become an extra job to keep following up with a customer service department that do not know what to do. My mortgage is set at 1 % and I am being charged more interest than 1 %. In XX/XX/XXXX, Fay Servicing paid the taxes on my home that was past due totaling XXXX and added it to my escrow balance. I have never paid my taxes with my mortgage and had fallen behind on my taxes. On XX/XX/XXXX. I made my regular mortgage payment, and after talking with a rep, by the name of { XXXX ) He advised me to make another mortgage payment along with the escrow balance amount, which came to an amount of XXXX. I made the payment on the XXXX of XXXX in the amount of XXXX and I told them that XXXX was for my escrow and the remaining XXXX toward my mortgage for this month. They didn't do what they said they would do, instead they raised my mortgage up XXXX dollars and didn't apply it to the escrow balance. No one can explain to me where the extra money went to. I need answers, and It's looks like they are stealing money from the payment report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I just seen a statement that i never seen before from car loan people which is exeter finance llc and it show that all my monthly payments went toward interest i told two different people in the beggining that i want my payments to go toward principle so can you please correct that and put my past payments toward principle its too much thats being done wrong with exeter finance and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened a new checking account with Truist Bank online, XX/XX/2022. Deposited the minimum amount to open the account {$50.00}. The next day, the bank froze my account and has refused to return my {$50.00}. I have made two attempts to retrieve the money by personally speaking with bank 's representative at the branch in XXXX, Florida, XXXX XXXX XXXX, # XXXX. 
Called the bank 's main number # XXXX, several times but to no avail. All they tell me is that the account is under review. 
At this stage, I just want the {$50.00} returned.

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 2020-09-23
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent my account to collections for a transaction. XXXX never issued me payment for an item I sold. They held payment because I was a new seller. The buyer returned the item however I never collected payment. XXXX issued a refund to the buyer but attempted to debit my XXXX account for the refund amount. My paypal account never received the funds from XXXX in the first place. My XXXX account is linked to my XXXX. XXXX has now sent me to a collection agency for the funds and is destroying my credit. Ive attempted to resolve and investigate over a dozen attempts via call and email with both XXXX and XXXX since XXXX 2020- now XXXX XXXX.over 9 months I have been seeking answers and resolution. XXXX refuses to give me any insight or proof and has locked my account. XXXX has also locked my account now. Both companies are saying the issue is with the other company yet refuse to work together with me to resolve. This is now falling into extortion- as of today the XXXX support agent said we are not doing anything and you either pay the balance we claim you owe or our collection agency will report you to the credit bureau XXXX XXXX says we never got funds from XXXX so you need to settle this with them and XXXX says we sent funds to your XXXX take it up with them or pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Systems and XXXX has violated my rights and this is my last go round with them before going to court. Not only were dates altered by XXXX and the leasing office according to XXXX  website and XXXX attorneys, XXXX  was supposed to send me a bill directly from Its company XXXX  before sending over my personal information to National Credit System. XXXX  has allowed this company to be rude and nasty to me over the phone. I will not stand for it anymore both companies will be liable for punitive damages. I have attached documents showing XXXX responsibilities and protocol. This protocol was not followed at all and for this reason I will personally filing a lawsuit against XXXX and National Credit systems. XXXX  was supposed to send me a statement not a collection agency. XXXX  was suppose to give me the opportunity to dispute and correct it with them prior to sending my personal information to National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PLEASE BE ADVISED THAT : XXXX XXXX XXXX, XXXX AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( seXXXX CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XXXX XXXX XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, DIVERSIFIED CONSULTANTS, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XXXX XXXX from XXXX XXXX XXXX, XXXX ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, when DIVERSIFIED CONSULTANTS ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself.

I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General

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 2023-03-28
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Just today I discovered that m US Bank card is applying my payments toward the following months ' balance instead of applying it toward the overdue balance this month, Because of this policy of theirs, my old balances can continue to increase and accrue interest at a high rate and my interest payments will grow higher until the ever increasing upcoming debts ( plus the excess interest charges ) are paid in full. 
This policy avails them the opportunity to bump up their profits as they encumber me with an unfair disadvantage during times that I have excess bills. 

Why should I have my money applied toward future balances that aren't yet due? I need to catch up on the older interest first, otherwise I'll continue to be overtaken by runaway interest on the older debts as my financial strength to pay off new debt diminishes. 
So newer debts more easily accumulate as US Bank continues to ignore more aged debts that advance me into further arrearage. 

I thought banking laws prohibited my payments from being applied in this way, as to weaken my position as a debtor as the banks capitalize on this. 

On the due date of XX/XX/XXXX, I owed them {$1500.00} and I made a {$50.00} minimum payment on that date, then made 2 other payments of {$600.00} each on the XXXX of XXXX. I was about to make a {$200.00} payment today ( XX/XX/XXXX ) when I found my 2 {$600.00} payments were not counted toward this debt, but toward the next statement due XX/XX/XXXX, which I haven't received yet. 

So far I've talked with an employee and a supervisor and they were unable to make an adjustment in crediting my payments toward this month. At this time I'm now waiting for a " manager '' to call me back. Doubtful the manager will credit my payments otherwise.

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