BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my consumer report and your company is displaying unauthorized and fraudulent credit inquiries. 

Company Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing because I did not give your company permission to display such information on my behalf to my credit report. If you have documents with my signature stating that I gave your company permission to display this information send to the address above for review. If not you are infringing on my right to privacy and thats a violation of FCRA 15 U.S.C 1681 ( 4 ) Further more did XXXX Validate this information with these companies prior to furnishing? If so provide me with a copies of any documentation with these accounts with my signature authorizing and inquiry. 

I demand these inquiries be Deleted immediately. 
I know you have up to 30 days to produce requested contracts, or delete these fraudulent items that is affecting my right to extend credit causing harm to my reputation. 

Enclosed is my state identification card and Social Security number for identification.

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 2023-01-02
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: Account information incorrect

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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO EXPERIAN HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT EXPERIAN. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status : CLOSED EXPERIAN HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO EXPERIAN IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION

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 2022-10-06
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-04-10
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:
XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: AR
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 am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

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 2023-08-22
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I went into the Title Max located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I entered into an agreement for a {$550.00} Title loan. The vehicle I used to obtain the title loan was a XXXX XXXX XXXX which had been paid off and owned by me since XXXX. 

The loan was taken out by me at the request of my husband of 16 years to pay off a a bill he was delinquent on and needed fast cash quick, so out of desperation I willingly, opened the loan for him using the title to our paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX we made our XXXX payment in the amount of {$130.00} towards the loan. We have been making payments On XXXX, XXXX, XXXX, and due to the COVID-19 stay at home order, we were both let go from our jobs and we fell into a financial hardship. With not many options and fear and XXXX from the future of the economy due to the COVID-19 stay at home restrictions, we were forced to refinance the Title loan and received another {$550.00} from Title Max. The balance we were now required to pay was {$1200.00} which included a additional XXXX XXXX XXXX XXXX Pawn Pledge Fee ''??!! as stated in the Payment History print out I requested from Title Max Since the inception of this loan in XX/XX/XXXX, payments by us have been made month after month and just to keep the vehicle from being repossessed and the loan defaulted. All the while the balance has continued to climb, some months we were forced to pay up to {$300.00} to stay out of default. And MONTH AFTER MONTH Title Max would excessively call us everyday to threaten us with repossession on the vehicle if the payment was not made. 

The thought of how much money we were forced to pay Title Max infuriated me at which as of XX/XX/XXXX was an astounding {$5200.00}! 

I contacted Title Max in XXXX, XXXX and spoke to XXXX to see what we can do to get out of the loan and also requested a print out of the amount we have paid in total to Title Max since XXXX XXXX i asked her if they would agree to let us out of the loan and close the account. She was very helpful and did provide the the payment history printout but advised me that she has rarely seen this done, and unless the account was current and in good standing they would not accept our offer to have the loan paid in full and closed. 

This type of business should be ILLEAGAL.. This is not good business practices and there should be a CAP on the amount these title loan companies can take from people. We are in a more serious financial hardship due to me being diagnosed with XXXX in XX/XX/XXXX. Our other vehicle was just totaled in an accident and the XXXX XXXX that Title Max has a title lien on so we can't use it as a down payment to purchase another vehicle. 

Thank you in advance for any help you can provide for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Are You Serious!!!!! 
This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions 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 have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.

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 2023-11-16
Company: EQUIFAX, INC.
State: TX
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 have advised both Equifax and XXXX several times that they are furnishing information on my credit report that is unlawful which is the attorney general. as stated XXXX release this statement***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested from my Mortgage Company a reason as to why my monthly payment have been going up every year. For many years my payment was at {$720.00}. Then it went up to {$750.00} Now it is at {$780.00}. According to the bank ( SPS ) it was due to a shortage in the escrow for taxes. Which is not true. 
When I was paying {$720.00} my principle was at {$560.00}, escrow payment was XXXX XXXXXXXX {$720.00}. If you take {$160.00} x 12 months= {$1900.00} for taxes. And the taxes at that time were a total of {$1900.00}. 
Now for XXXX the total taxes are : {$1900.00} for the year. Which is a difference of {$9.00} from the year before XXXX. And with that they now raised my payment to {$780.00}? Why? There is no reason for that. 
When the payment was at {$720.00} and it paid the taxes in the amount of {$1900.00}. But since then they raised to {$750.00} and now {$780.00}???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: John C. Heath, Attorney at Law, PLLC
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: Account information incorrect

Complaint:
I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. XXXX XXXX put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit report by XXXX, XXXX, and Experian. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly 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 explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions 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:
AT & T timeline of complaint XXXX - Ordered phones XX/XX/XXXX - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The Experian Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with Experian Report Number : XXXX XXXX Dispute results ready from Experian The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off 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 explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Student Debt USA, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After not receiving the results I was expecting from the servicer assigned to my loan, I called Student Debt USA after seeing their Ad on the evening of XX/XX/XXXX. I spoke with XXXX XXXX. I told her about the student loans my husband and I have and asked about the PSLF program. We were advised to consolidate the loans. I have learned ( now 4 years later ) that this was bad advice since consolidating our loans disqualified me from receiving forgiveness for my loan. I am a XXXX and my husband is self-employed. I am now in the process of trying to undo this. About a month of doing business with Student Debt USA I made attempts to contact them but could never get anyone on the phone. When I finally spoke with XXXX XXXX, I told him that I did not appreciate doing business through text messaging. When I call them, I expect to get a call back. After numerous complaints to them about this, I continued to receive text messages and emails in lieu of a phone call. Whenever I call I get a voice message. Whenever I email, I receive an immediate message that says " Hi there! thank you for your recent inquiry with Student Debt USA. " We have received your email and will be in touch within 24 business hours. You can also text us at XXXX or call us at XXXX. Thanks, and please see our special referral offer below to make some easy cash! Regards, Student Debt USA '' I have filed a complaint with the XXXX on XX/XX/XXXX and so again I learned that this doesn't hold them accountable as long as Student Debt USA provides a response of which they did on XX/XX/XXXX. The only time we would hear from them is when it was time for recertification but if we ever have questions that is the problem. 
I sent an email to XXXX on Wednesday, XX/XX/XXXX and to The Processing Team XXXX on Thursday, XX/XX/XXXX. Today is Saturday, XX/XX/XXXX way pass 24 hours and I have yet to receive any response. I have tried to reach them at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which is no longer in service.

Company response to consumer: Closed with explanation