BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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:
American Adjustment Bureau has violated HIPAA Laws. I ask them to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want the accounts to be deleted off of my credit reports immediately. I have already contacted the credit bureaus and informed them they are in violation of my medical privacy also! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: VW Credit
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:
In accordance with the fair credit reporting Act XXXX Account # XXXX, Volkswagen Credit, XXXX XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states " I have a right to privacy ''. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX I sent a letter to Equifax stating that I would need verification bearing my signature in reference to XXXX XXXX XXXX who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I made it clear I could only afford a mortgage payment from $ XXXX-XXXX, I am however paying {$2100.00}. Had I known this was the case I would not have purchased the home. I noticed at time of signing and was told it could be fixed after closing however the originating company stated it was so high due to an {$18000.00}. loan the previous owners had taken out on taxes and it would be corrected. After a few weeks I was told the loan was transferred to another company and to deal with them directly regarding the error. I have made tons of phone calls and emails to be told the taxes were not figured out correctly by the originating loan company and that is why I have an extra {$300.00} per month. there is nothing the new company can do about it. This is fraud! I would have never agreed to this. The originating company did not respond to my complaint from day one they just wanted me to sign up for a loan so they can get paid even if I couldn't afford it. I am very stressed and have an extreme hardship coming up with the monthly payment. Do not believe when they state they will " fix '' the documents after closing. You are stuck with whatever you signed for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I filed my income taxes for the year XXXX  and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names XXXX. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EOS Holdings, Inc.
State: MD
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 a loan with XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ),  EOS CCA ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ), EOS CCA ( Original Creditor : 10 XXXX ), and  XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 


Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2018-10-12
Company: EQUIFAX, 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:
We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the Equifax Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. XXXX  is reporting outdated info XXXX  bought the debt and is reporting dates wrong and outdated information.

All of which are aware. We have a recorded conversation with a XXXX   Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4 times? That is a Clear Violation. XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: January Technologies, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ok. So this original creditor was XXXX, I looked at the program and due to my health limitations, I seen it wasn't going to work for me. I have XXXX, and I have XXXX limitations. I emailed them, they wouldn't come up with a compromise, so now it is in collections with the company January. I have sent several messages to them about disputing and they say its a valid bill. I have deleted everything once XXXX would not work with me. I haven't received nothing in the mail. Until I started going through some of my email.. I have a lot. I can't get to. A-lot of junk email. And On top Of that, On XX/XX/XXXX I will be out of work for XXXX month due to XXXX. I have a lot of things I am trying to get done. I am living paycheck to paycheck. Like I said, I don't believe I should pay XXXX for a program never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: SUNRISE CREDIT SERVICES, INC
State: IN
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 have violated my Federally protected consumer rights to Privacy and Confidentiality under 15 U.S.C 1681 Account # XXXX XXXX  XXXX XXXX XXXX : ( XXXX XXXX XXXX ) Amount {$1800.00} 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 an account without my written instructions.

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

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2022-01-07
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: Money Stash, L.L.C.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Requesting money stash to cease and desist and only send correspondence by mail. Cease and desist all request including ACH withdrawals from my checking account. Cease and desist all email communication as well. Failure to provide clear and understandable terms which were hidden on the full term of interest was not properly disclosed to me. Therefore, I am filing this complaint with the CFPB to have a written record of this cease and desist request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over XXXX days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-06-08
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-03-23
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:
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 account 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 XXXX XXXX XXXX XXXX Balance {$37000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon! 


SUBJECT : FOLLOW UP COMPLAINT # XXXX BANCO POPULAR OF PUERTO RICO DEPARTMENT OF CREDIT CARDS VISA ICON, ACCOUNT # XXXX XXXX XXXX XXXX As I informed you in the complaint mentioned above, I called Banco Popular Dept .  Credit Cards for the first time on Tuesday, XX/XX/XXXX due to that I couldn't access my account through the computer since XXXX. On that day I spoke with Mr. XXXX XXXX, credit cards supervisor, ( telephone number XXXX XXXX XXXX XXXX ext. XXXX ) and he informed me that he didn't know the reason why I couldn't access my account. He also informed me that the card had be frozen due to a charge made by XXXX XXXX on Wednesday, XX/XX/XXXX in the amount of {$680.00}. I explained to Mr. XXXX that I did not recognize the company nor the amount and that I was objecting the charge ( complaint # XXXX ) because I couldn't access my account through the Internet or through the customer service department. 

I searched on the internet the regulation the FDIC implements in regards to responding a complaint and their regulation states that the banks have 60 days to respond. I have tried to establish an effective communication through two complaints, speaking to XXXX XXXX in the collection department and, with customer service through phone calls to solve this issue with no results. ( SEE ATTACHED DOCUMENTS ) I also have tried to get in contact with the XXXX XXXX  but there is no such company and Banco Popular already knew that. 

It has been 160 days since the first claim and I have not received any type of notification to eliminate said charge and correct the Credit Score. This is adversely affecting my credit score and my image because on Monday, XX/XX/XXXX I went to an Auto Dealership to buy a car and I couldn't because I was informed that I had a Fraud Alert and a delay in payment on a Credit Card that affected significantly my Credit Score. Obviously, I could not get the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To Whom It May Concern : Diversified Consultants, XXXX, first called me last month stating I owed an outstanding bill with XXXX XXXX XXXX that they were trying to collect on for them. I let them know I did not owe XXXX XXXX XXXX any money. The Collector stated I owed over {$400.00} to them which also included a termination fee. I let her know if I owed XXXX XXXX XXXX money, then she would not be getting through to me on my phone. I let her know I was calling XXXX XXXX XXXX and she tried advising me not to call them because they would only direct me back to them, so she put me on hold. I hung up on her and, immediately, called XXXX XXXX XXXX and submitted a complaint with the XXXX XXXX XXXX Representative, who saId XXXX XXXX XXXX has its own accounts receivable deparment when collecting and she the XXXX XXXX XXXX Representative said I did not have any outstanding balance with XXXX XXXX XXXX. The XXXX XXXX XXXX Representative was going to submit this to their fraud department. 

Then, today, I get another call from XXXX, at XXXX XXXX demanding I pay the debt. I let her know I confirmed with XXXX XXXX XXXX that I did not owe any money. She said I owed it and that she was going to let XXXX XXXX XXXX know I refused to pay it. I let her know to go ahead because I already filed a complaint with XXXX XXXX XXXX against her company and I was notifying the CFPB because I do not owe XXXX XXXX XXXX any money. I hung up with her and, immediately, called XXXX XXXX XXXX and talked directly with XXXX, in their fraud division, who was going to intervene to get this company to stop harassing me because I have a XXXX balance with XXXX XXXX XXXX. 

XXXX XXXX had no right calling me again, when I told them not to call me and that I did not owe them any money. They had no right trying to prevent me from calling XXXX XXXX XXXX to verify the balance, which I did not owe. 

Please tell XXXX XXXX to never call me again and to never harass me again. Tell them I do not owe XXXX XXXX XXXX a dime and that they had NO right trying to prevent me from contacting XXXX XXXX XXXX. They had no right trying to force me to pay a debt without allowing me to first verify it with XXXX XXXX XXXX. 

Please tell them to refrain from contacting me and that I do not owe them a dime! It is harassment. 

Thank you in advance for your time and consideration. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
this car was repossessed in XXXX this company is showing on my credit report that I have a balance of {$7300.00}. I was never notified by westlake Service Inc, of the Repossession nor was I notified of the deficiency after sale. I didn't receive notification of my right to cure. 

It is also showing as a chargeoff if it is a chargeoff send a XXXX. The balance on any reported account should be XXXX. This is in violation of the United States tax code

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 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a XXXX  XXXX XXXX and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXX XXXX sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.

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