BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: AZ
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 never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and  telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX SELF-REPORTED   XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX   SELF-REPORTED 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 explanation
Consumer complaint received 2019-07-10
Company: Hardesty Law Office, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018my facial lady moved to a new spa and asked me to go with her. I signed a one year agreement to do 12 pre paid services.  The last time I went to the spa was XX/XX/2018.  My facial lady went to XXXX and was fired. The spa owner never disclosed this to me.  Someone also upgraded my membership from 12 prepaid services to 24 with no consent and charged my XXXX XXXX/m not XXXX/m as I agreed.  When I discovered this late XX/XX/2018 I sent notice to the owner that she was no longer authorized to charge on my XXXX.  I had tried to get in the previous months and was told XXXX was still out of town and finally XXXX told me she had been fired.  The spa continued to charge my card despite my withdrawal of consent for several months until finally XXXX helped me block them from using the number to process charges. Now they are wrongfully attempting too collect on a debt for the altered contract amount when the underlying agreed amount has been paid in full. I agreed to 12 services at XXXX and have been charged and am being sued for 24 services at XXXX  and even her lawyer agrees I agreed to only 12 services.

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 2018-10-18
Company: EQUIFAX, INC.
State: AZ
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 disputed this collection on this XXXX XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: HOA Collections LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I own a home in XXXX XXXX in which I had tenants in. In XXXX of XXXX the tenants asked if they could park their RV on the side of the house. The HOA said yes they could. Then the HOA later said they mis informed us and the RV need be removed. They tried to fine us and we disputed the fine. The HOA dismissed ALL THE FINES. However, HOA COLLECTIONS LLC, is still trying to collect {$510.00} for the " paperwork '' that they did. Hoa Collections LLC first billed us for {$150.00} and now it is {$510.00}. XXXX at HOA collections LLC, who has emailed me, has made false allegations. When she first billed us about our RV fine, I wrote a dispute that she said she would put in front of the board. She then came back and said the board denied my dispute. Well, my husband is friends with a guy on the board and he stated that XXXX never put my dispute before them. Also, XXXX was threating me over the phone and I told her I was due to have a XXXX  in XXXX of XXXX and I could not meet with the board right away and she continued to harass us. She also told me that my emails were not composed properly and wouldn't send it to the HOA board, I was in the hospital writing the emails and later found out that there is no format that the emails have to be in. She was harassing me after I had my XXXX just to be mean and cruel. She has not stopped for now it has been over 3 years. This is ridiculous. The HOA made a mistake, we fixed it and the collections agency is continuing to harass us. XXXX yelled at me on the phone saying that I didn't make any sense when I tried to call her to explain to her what was going on. She is now just harassing us to bother us and I have had enough. We are in the clear with our HOA but somehow she is trying to collect over {$500.00} from us for nothing! I had another XXXX in XXXX of XXXX and told her that I had just had a XXXX and to stop with the harassing emails and she still hasn't. It is ridiculous. She sent us an email in XXXX of XXXX, this has gone on for over 3 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took a personal loan with Mariner Finance. I was successful with making on time payments of the required amount until I ran into difficult times, in that I had to take on the responsibility of taking care of my elderly mother who has XXXX, on XXXX, XXXX and has XXXX. I had to move my mother from Florida to come live with me because she was unable to care for herself as her health started to deteriorate rapidly. Ultimately, I became her primary care taker and moved her in with me. At the time her health was stabled but shortly into living with me she was diagnosed with having XXXX. I was afraid of my mother wondering off and decided to seek assistance. When looking into getting her the care she needed, I ended up putting my mother in an XXXX XXXX   home because she did not qualify for skilled nursing without going by the route of being admitted from the hospital. So, I found a home to admit my mother to however, it was very costly and the cost exceeded the amount of her retirement check. Therefore I had to supplement the difference of the cost which affected my ability to make the required payment of my loan. I in honest effort made a payment towards my balance and they refused my payment stating the payment was mailed back however, I never received the money order returned back in the mail. I received a call from XXXX with Mariner that I missed. I returned the call on XXXX explaining my present situation that has not changed. XXXX is the Assistant Branch Manager, who I shared my situation with and again I asked if I could pay what I am able to in an effort to get my debt paid down and ultimately my loan paid off. He said that the amount I wanted to pay would not cover the interest and I told him that I understand but at least I will be making some kind of payment towards my loan and when I am able to pay more I would. I explained of the hardship that I am experiencing and how I am also paying off other creditors such as the IRS, State of MD, Car note, insurance, medical insurance on top of my mother 's nursing home bill. I just do not know what to do at this point but complain because this company is acting more like they are loan sharks and is intimidating me as the consumer when I am honestly trying to rectify my issue and debt to them. I would like to be able to send Mariner Finance some kind of payments towards my balance without it getting sent back. And to reflect that I am not ignoring my debt to them but instead trying to pay them of.

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 2023-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This complaint is being sent to you to seek help about blocking the items from getting reported in my credit reports. The same issue, having many errors and fraudulent information, was addressed in the 3 Credit Bureaus. There were letters sent out to your office, but up to this date, I did not receive any response. And recently, the same items were reported in my most updated credit report. See the list of items that I am trying to dispute : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have 4 Authorized Credit card. TrasUnion is the only credit report they dont have it. 

Thank you

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 several inquiries on my credit report that I don't recognize which are 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 I even wrote out some of the duplicate inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2021-03-21
Company: Experian Information Solutions Inc.
State: CA
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 am making a complain. Because i can not verify my own identity due to accounts on my credit report that are not mine. Also my accounts all have been hacked and compromised. Theres accounts on my report that were open without my permission or knowledge. Because its been over 7 years i can not see details. I have been recently dealing with a cyberstalker. That has changed all my passwords and is using my personal information. Has stolen my emails. Attempting to steal more from me. Im trying to figure out why i havent gotten my child support. I suspect theres still fraudulent activity going on. I have no access to any of my emails or accounts. And social media accounts are also hacked and compromised. I am concerned about my sons identity being used too. I need help. I see alot of incorrect information on my credit report. I can no longer access Experian, XXXX, and XXXX. They have been compromised. I need to do more investigation. On my credit report i see 4 mortgage accounts, 2 Auto loans, personal loans, credit cards. I have not used or had any idea. I have been living under low income housing assistance for 14 years. Ive never used my credit. I suspect my father and his wife XXXX XXXX and XXXX XXXX used my personal information to get mortgages and loans. Also i suspect my social security number was fraudulently used to get travel credit cards. But because its been over the 7 years n no longer showing details. I can not see much. Maybe i just dont know how to read it. Im dont have a clue on how to use credit or build credit. I have not learned.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. I understand the importance of your role in safeguarding the accuracy of credit reports, but the lack of timely action on my case has caused me considerable stress and concern. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. I had hoped that your bureau would act swiftly to rectify this situation, as I am currently facing severe financial and emotional consequences due to this fraudulent activity. To my dismay, it has been XXXX ( XXXX ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. During this time, I have had to endure numerous challenges, including denials of credit applications, increased interest rates, and damage to my credit score, all of which are directly linked to the false information on my credit report. This delay has had a significant impact on my financial well-being and overall quality of life. 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 XXXXPlease delete these accounts ASAP.

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 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, Frontline Asset Strategies. It stated I owed them {$810.00} a XXXX  debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! 
Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is XXXX XXXX XXXX, and they never sent me anything. Now they, XXXX XXXX XXXX, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.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 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 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 XXXXXX/XX/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