BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Sunbit, 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:
Sunbit is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Account # XXXX XXXX & XXXX Payments marked as 30 days late. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Aldous & Associates, PLLC
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I have contacted Aldous and associates collection agency months ago about a debt from XXXX XXXX XXXX XXXX. I asked them to send me validation of this debt along with the correct pay off amount due. After several certified letters and months letter no written reply. And when I called them they nasty rude and unprofessional and basically demanded me to pay an amount I know wasnt due. Spoke to the original creditor XXXX XXXX they told me the amount which was almost {$3000.00} being due. Which they told me that Aldous and Associates do not have the file another credit collection does XXXX XXXX. Which XXXX XXXX sent validation and the correct amount due. I am in contact with XXXX and making payments towards the balance. Why is Aldous & Associates refusing to stop reporting this negative fraud information to my credit reports? I am paying on this same debt to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted three complaints XXXX, XXXX, XXXX and collector response was not a resolve to the issue to remove this debt from all credit bureaus. The collector stated it would remove once investigation was done and results were provided which is not needed. The collector has been aware of the fact by certified mail that the XXXX at XXXX were in litigation over this matter and has received dispute letters, court documents, and final decision then filed this fraudulent debt to all credit bureaus knowingly. No investigation is needed because the lakes at crossbridge has never provided collector with any valid information to support debt and since it was in litigation it should have never been filed originally anyway. This debt should be removed from credit reports immediately and is defamation of character as well as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 tried disputing these inquiries from my credit report. I spoke. The credit bureaus reps did not help me at all and told me to XXXX my answers. Please update and remove inquiries. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/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 explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal 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 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 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, 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 explanation
Consumer complaint received 2023-07-23
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 these accounts XXXX. XXXX, XXXX XXXX, and 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 a account without my written instructions

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 2023-02-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by Weitman, Weinberg, and Reis then vacated by XXXX XXXX XXXX therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was incarcerated from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXX bank  XXXX XX/XX/XXXX was {$0.00} Someone stole my credit card when I was incarcerated and used this card Document # XXXX shows that on XX/XX/XXXX, I had been incarcerated since XX/XX/XXXX which had been 3 years 4 months and 28 days The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been incarcerated XXXX in their response states someone made a jail call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states incarcerated therefore anyone of millions of people could have made those jail calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in jail Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX XXXX XXXX ( XXXX  ) why would I make a payment to XXXX I didn't even have a kid in XXXX  in XXXX This is mere common sense if I was incarcerated how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My credit score on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: FL
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:
On Thursday, XX/XX/2019, I applied with 2 banks ( XXXX and XXXX ) for a home equity loan. Both banks informed me that they were unable to access my credit report from Equifax. I was told that they both received an error that said something to the effect of : 'fraudulent application alert '. I was told to contact Equifax to fix this issue. From Thursday to today, I called Equifax about 6 times. Their customer service reps are repeatedly telling me that there is NO block, freeze or any type of hold on my report and there is NO reason why the banks are being blocked from accessing my report. The last supervisor I spoke with was XXXX, employee ID # XXXX, who also assured me that there are no holds on my report. We verified all identifying info on my report and it all matched what the banks have. The banks have attempted to run my report 3 more times and they're still being blocked from doing so. Being that both banks are having the same issue, it's rational to believe that this issue is an Equifax technical error that they have failed to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-07-21
Company: EQUIFAX, INC.
State: DE
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 Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$420.00} XXXX, XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} ) XXXX XXXX XXXX  ( Account # : XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$560.00} ), XXXX XXXX XXXX ( Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1.Home Point Financial continues with their deceptive acts and practices. I was given an offer for trial payments which I accepted within the time frame. A few days later, offer was taken back ( page 1 & 2 ). The deceptive acts continues as my kids continue to suffer. 

2. Home Point Financial have violated the Fair Debt Collection Practices Law as well as the Bankruptcy Laws. 

I filed for bankruptcy on XX/XX/XXXX ( page 3 ). Home Point is well aware of that ( page 4 ). Home point Financial is a debt collector ( page 5 ). I understand that Home Point Financial has the right to take a payment from me but they have no right to ask or harass me for a payment under the Fair Debt Collection Practices Law and the Bankruptcy Laws. Please see page 6, letter from Home Point dated XX/XX/XXXX that reads as follows : ''please send certified fund totaling {$2800.00} to Home Point .... .NSF fee ... .credit report. '' The goal of Home Point Financial remain obvious ; I loose my home and they make a nice profit. No one will rent me a place to stay with my kids, therefore, after the auction sale of my home, I will find a shelter to stay with my kids as I continue to search for justice in the court of law. Home Point have not addressed any of my previous concerns. When I have my day in court, Home Point Financial will finally be held accountable for all the laws they have broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXXt # : XXXX Date Open:XX/XX/XXXX Balance : {$5200.00}

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 2023-10-05
Company: Experian Information Solutions Inc.
State: VA
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 again my credit report, I discovered that some of the information was still 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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.

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