BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL. 

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 U.S.C. 1681 Section 604 Section 2 ). 

SEE ATTACHED LETTERS, PLEASE.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 i contacted THIS THIRD PARTY COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THE ORIGINAL CREDITOR IS Original Creditor Name XXXX XXXX XXXX ADVISED THEM ONCE ITS SOLD ITS WRITING OFF THEY ARE TRYING TO COLLECT ON A OLD CLOSED ACCOUNT ONCE IT WAS SOLD THIS IS A NEW CONTRACT THAT I NEVER SAW NOR CONSENTED TOO BUT HAS BEEN DONE ILLEGALLY ars in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven BY SIGNED CONTRACT BEING PRODUCED she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX  to have access to my XXXX records AND ALSO I TOLD HER THIS COMPANY HAS VIOLATED MY HIPPA RIGHTS GAINED ILLEGAL ACCESS TO MY PERSONAL MEDICAL RECORDS I ADVISED THEY NEED TO REMOVE THESE 2 ACCOUNTS FROM ALL THREE OF MY CREDIT BUREUAS SHE STATED IT WILL STAY ON MY CREDIT AND DAMAGE IT..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- XXXX XXXX XXXX {$480.00} opened XXXX, Collections- XXXX XXXX XXXX  XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.

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 2019-04-24
Company: REVERSE MORTGAGE INVESTMENT TR
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The rain and wind during hurricane Maria caused damages to the property. The company released funds in two instances The last amount to be released has not been received. Also, although the insurance carrier adjuster report clearly states that an amount for ceramic tile was not included in the check ( add the columns, the tiles are not included there and it totals the amount of the check ), I was arbitrarily requested to get a letter from the insurance carrier stating what is obvious. Contacting the company is time consuming, the new telephone number to inquire about status of check and to send the letter from the insurance carrier is continuously busy. The website address furnished to submit the insurance carrier letter does not exist in the Internet. Although an inspector came to the property and furnished them with a report stating that the house is repaired and that the ceramic tile was excluded from the payment, still no intelligent and articulated conversation with the representatives. It is a merry go round to speak with them and I have spent countless hours on the phone. My contact via telephone and via email with one of the representatives has not bear fruit. 

I need help with the following : status of a check that was allegedly issued in XX/XX/2019, and where to send the insurance carrier 's letter regarding the ceramic tile. Be advised that the money is owed to XXXX XXXX. 

Also, the property is located in Puerto Rico, and the people answering the XXXX line do not exist. When you finally find someone that speaks XXXX, the communication is so poor that there is no way that a conversation is possible. 

Please contact my daughter that is authorized in the account.

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 2023-10-30
Company: LEXISNEXIS
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a Veteran and have face homeless situations for 15 times in 5 years and still managed to get my credit score up. While trying to buy a home I am being denied due to XXXX XXXX  housing and Hud housing that has employees lying to cover what they do wrong. I have called and asked for help to fix or change policies that lead to inhumane policies and laws that no one is willing to change. The 3rd party reporting agency is not a XXXX  accredited agency. My credit score is good enough to buy a house, but I am being punished, hassled and or denied due to things not being my fault. Houses are being rented before they are declared habitable. Houses are being rented as duplexes with one electric meter and one water meter. When you are on a set income, we do not have ways to change this. We do not seem to matter anymore. I am doing all I can to change the situation of negativities. I can not take responsibility for the actions of others to report things just to hurt others. Companies get mad when you say they would not want to be treated this same way and yet do not care to do it to you. 
When buying a house. I am asked to not get any line of credit and yet I am told I need a car loan. I am not supposed to live in my car. This will cancel my home loan. They credit agencies and the loan companies deny having any way to help change these things. I am living in a Hud apartment that spent 6 weeks not fixing my furnace. I have a stove that only shuts off by the breaker switch. The nobs do not shut off the oven. The coil will not shut off. This is a issue that repeats and we as humans need to care more than the words of sorry. Sorry is not good enough. Someone needs to help spread the word we can make a difference if we all just stand to speak what needs to change. I am being reported for late payments. How do I change or make a payment when the company denies letting me. How is it fair to report me late if they refuse my payment. I am responsible for my actions and their actions. How did this come about?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Their investigation did not fix an error on your report

Complaint:
I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : 1. XXXX XXXX : XXXX 2. XXXX OF XXXX : XXXX 3. XXXX XXXX : XXXX 4. US DEPT ED : XXXX 5. XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband spoke as a representative to XXXX at XXXX XXXX XXXX where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.

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 2019-09-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing because FedLoan has failed to generate a correct and up to date count of my PSLF payments. On XX/XX/XXXX, FedLoan issued an official accounting of my PSLF payments from XX/XX/XXXX thru XX/XX/XXXX. ( Document is attached. ) FedLoan credited 50 payments but they should have credited 51. I wrote to FedLoan on XX/XX/XXXX, and told them that their count erred in this specific way : For the period of XX/XX/XXXX to XX/XX/XXXX, I had made 12 payments but they only counted 11. I offered to supply payment confirmation documentationif needed. ( My letter is attached. ) On XX/XX/XXXX, when FedLoan had failed to respond in any way to my letter, I called and spoke to Rep # XXXX. That Rep reviewed the payment history with me on the phone and verified that I was correct and that they had missed a payment. That Rep told me that she would " have a review generated and a new letter issued. '' She told me it would take 7-10 days. A month went by and when FedLoan failed to issue the new letter, or communicate with me in any way, on XX/XX/XXXX, I, once again, called. I spoke with Rep # XXXX. That Rep told me that " a review '' was submitted on XX/XX/XXXX but that it would take 90 days for them to respond not 7-10 days. The Rep told me I would receive my new, corrected, PSLF count in XX/XX/XXXX. On XX/XX/XXXX, I called again and spoke with XXXX # XXXX who said that she could see my review was " still pending '' but that they were " very backed up '' and so she could not give me a completion date. Over the past 10 months I have received zero communications from FedLoan regarding the status of my pending review or my PSLF payment count.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: NRA Group, LLC
State: TN
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:
On XX/XX/2023 I filed a CFPB compliant on National Recovery Agency complaint number XXXX due to this company not being licensed as a debt collector in my state. I received a response back from XXXX XXXX the compliance agent for NRA Group LLC. He stated that his company was indeed licensed to collect debt in my state and gave a license number of XXXX and stated they were doing business in my state as XXXX XXXX. Upon searching nmlsconsumeraccess.org XXXX XXXX XXXX has a NMLS number of XXXX and NRA Group LLC has a NMLS number of XXXX. Neither of which has a debt collectors license to collect in my state. The XXXX XXXX XXXX XXXX also has a NMLS number of XXXX and also doesnt have debt collectors license in my state. See attachments. Futher more upon searching my states Secretary Of State website for business entities authorized to do business in my state neither XXXX XXXX or NRA Group LLC are active entities allowed to do any business in my state. This is a clear violation of the FCRA and FDCPA as this company is engaging in false and deceptive practices to try to persuade me into believing that I owe a debt to them and furnishing my credit reports with invalidated inaccurate accounts. I have sent this company a validation letter from them to validate this alleged debt that they say I owe to them. See attachments. I have tried to handle this matter with this company on several occasions. My Attorney General and the XXXX  have now been made aware of this situation.

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 2018-09-17
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX, I turned in my XXXX lease and purchased a new vehicle. The lease was due to end in XXXX so it was an early termination. I had automatic payments set-up for the lease on the Ford Credit site. When I was signing my paperwork I asked if the payments would stop and they said yes so I did not do anything. Come about XX/XX/XXXX or XXXX I noticed the amount was still sitting in the auto payment for the lease and I tried to stop it but could not ( all done on line ). I guess I should have called but I didn't. At that time I thought well I will get a refund since it was an overpayment and I had this happen before and got all my money back. 
Well I did get a refund on XX/XX/XXXX ( check dated XX/XX/XXXX ) but it was short. So I called. A gal by the name of XXXX could not answer why it was short and said that the " End of Terms Dept ''  would call me the next day ( the XXXX ). No one ever called. Therefore I thought I will get the $ 47+ in the mail ( but no ). On XX/XX/XXXX I called again, XXXX helped me and I finally found out ( after being on hold ) that they withheld the taxes, because they were paid to the state. I laughed and said that was a foolish answer and I wanted to speak to someone else. So XXXX XXXX got on the phone and she matter of fact told me to go to the State of Florida to get my refund of the taxes. I told her that is totally ridiculous since I did not pay the taxes they did. And, I also told her that I know for a fact that they get a number of other payments in and that when they give a refund they can certainly deduct my portion from the others. She continued to state the fact they immediately send the taxes to the appropriate states and I would have to go to the state to get the refund. I again know this would never happen. I also told her that I am a business owner and know that if they would have refunded my taxes when I called it would have been in XXXX and no foul. It would have all been in the same month. I asked to speak to the leasing department and she said she would send them a message to call me ( I doubt they will call since I do not get calls back ). As of today the XXXX, I have not heard from anyone else about this matter. I personally think this baloney and Ford Credit is either lazy or keeping the money because technically the taxes to pay my state are not due till the XXXX of the following month ( XXXX ). Where is the customer service from this large organization?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There are inquiries on my credit report that is not mines I didnt authorize it I have over 20 hard inquiries really is that even realistic a normal smart person knows if you apply for credit and get denied there is no reason to continue applying that just make you look desperate and in need so why in earth would I have over 20 credit inquiries I'm working on fixing all the errors on my credit report so I can be financially right in the years ahead and I cant do it with all these inquiries that is affecting me from getting funding even with my XXXX credit score

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.

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