BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We pay from a checking account for a solar loan. This checking account is a house account, not our personal ones so we regularly send money to pay for house expenses to this checking account ( example for mortgage, utilities, solar payment ). 

Apparently there was not enough in the checking account to cover this months solar payment. Instead of emailing, texting, or calling to leave a voice mail, they spammed our phones with unknown number phone calls until my husband answered one. They were aggressive with him and was threatening that a late payment would hurt both of our credit scores ( obviously late payments hurt credit scores, but they were being really aggressive about it ). 

All I need to do is transfer money. They could have been nice about it, but they were aggressive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After my last dispute & complaint against this collection agency, they began reporting the two alleged collections accounts incorrectly on my XXXX credit report. The two accounts were originally reported as Open under the " Collections '' section of the report. As of XXXX  2023, PRA is reporting the alleged collections accounts as Closed under the " Other Accounts '' section of the XXXX credit report. On both of my XXXX XXXX XXXX credit reports, PRA is reporting them as Open under the " Collections '' sections. This is beyond confusing and ultimately frustrating when my legitimate creditors access my credit reports. This discrepancy makes it appear as though I owe duplicate alleged debt collections to PRA when I actually do not own duplicate alleged debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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:
EQUIFAX is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EQUIFAX WILLINGLY REPORTING THEM IN DIRECT VIOLATION! XXXX has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EQUIFAX conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EQUIFAX UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with XXXX, this account is closed. Per Experian the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and 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 explanation
Consumer complaint received 2021-03-10
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The information on my file is wholly inaccurate as you can see from proof I provided. 
As of XX/XX/XXXX prior to COVID-19 shutdown I cancelled my services due to moving. I received a final bill from XXXX/XXXX  with a statement ending date of XX/XX/XXXX. I have not used or resubscribed to XXXX XX/XX/XXXX. 

I received a REFUND in amount of {$91.00} in XX/XX/XXXX once everything was resolved. 

I gave XXXX  my proof -final billing statement - and they refuse to remove from my account. I do not believe they looked at my proof. " investigation '' closed after 7 days. 

As of this date XX/XX/XXXX Sunrise Credit Services continues to inaccurately report information on my credit report. The reported alleged debt owed is inaccurate per my proof provided. 

I do not have any agreements or terms with Sunrise Credit Services and have never heard of them prior to having an inaccurate collections placed on my report. 

I thank you once again for your time and I look forward to having Sunrise Credit Services deleted from my credit file due to inaccuracies and XXXX/XXXX  not maintaining accurate accounts during COVID-19 for customers who cancelled services. 

Thank you in advance for your time in this matter.

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 2021-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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 CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX. 



Dear XXXX Staff : I am suing  each person below from USAA Individually in XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX of staff USAA XXXX. XXXX XXXX XXXX of USAA XXXX. XXXX XXXX XXXX XXXX ( Registered Agent Name / XXXX XXXX ) USAA XXXX. XXXX XXXX XXXX USAA XXXX. XXXX XXXX XXXX XXXX  of XXXX USAA XXXX Please see attached legal summons to appear XXXX AT XXXX XXXX CC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXXXXXX XXXX by USAA . 
CC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX XXXX XXXX 
CC XXXX XXXX XXXX XXXX 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC Law firm of XXXX XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Please contact me if you want to resolve this matter XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, Mr. Cooper purchased our home loan and we were notified of the transfer. We do NOT have an escrow account with Mr. Cooper, nor did we with the mortgage company prior to Mr. Cooper. In XX/XX/2021, I received our monthly mortgage statement that suddenly showed a negative balance of {$700.00} in an escrow account. Again, we do not have an escrow account. Upon calling the company, we were told that Mr. Cooper paid our homeowner 's insurance, from an escrow account ( that we never opened ). We never authorized anyone to open an escrow account. I inquired as to why a payment was made on our behalf from an escrow account that we never authorized to be opened, but the only response was that the company would do an escrow analysis on our account. We never received any explanation. The only option was to send Mr. Cooper a check for {$700.00} to essentially pay them back for paying our homeowner 's insurance, or they would add the amount onto our principal payments. I contacted our insurance company, XXXX XXXX, who said they never requested payment by Mr. Cooper. At the time of my inquiry in XXXX, there were no posted statements in our account under the escrow section of their website. 

Today, I checked my account at Mr. Cooper 's website and it shows that the {$700.00} I sent them was applied ( incorrectly ) to my principal loan amount instead of to this mysterious escrow account which had a negative balance. Again, I spoke today with representatives at the company ( one in mortgage, one in escrow, and one in insurance ) who assured me they moved the payment over to the escrow account. The representative in the insurance department named XXXX, told me my account showed that we had an escrow account that was reviewed and approved by a manager and made a payment from that account in XX/XX/2021. I asked to be escalated to an escrow supervisor and was sent back to the main menu and never could connect to a live person. In my frustration and concern that this will happen again, I decided to file this complaint. 

In addition, I have concern that Mr. Cooper backdated escrow statements and posted them to my account falsely. In XX/XX/2021, when we first received a statement showing a negative escrow balance, there were no additional statements showing explanation. Today, there are now 4 statements that are backdated from XX/XX/2021 through to XX/XX/2021. Again, these documents were not present in XXXX. Each statement shows a different escrow balance. 

I am concerned that Mr. Cooper will again make a payment to our insurance company from an escrow account that we NEVER OPENED. I am also concerned that they are backdating statements that never existed and uploading them to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, 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 2023-01-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Experian multiple times in regards to the following unauthorized inquiries listed below all within a day or XXXX of each other by both phone with the fraud department XX/XX/22 and certified mail on XX/XX/22 my request have been ignored and method of permissible purposed was not given to me, even after I requested this. Experian is in violation of my FCRA rights and its damaging my credit. Thus, I am requesting the following inquiries and dates requested below be removed immediately from 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 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 explanation
Consumer complaint received 2022-09-12
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX. XXXX XXXX, ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with 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 2020-01-07
Company: United Shore Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX had a mortgage refinanced with United Wholesale Mortgage. On XXXX attempted to make first payment. On XXXX, XXXX and XX/XX/XXXXmade subsequent payments and prepayments all of which cleared. XXXX XXXX XXXX in-line payment system then began to process payments without a digit in my account number. This resulted in my bank not knowing which account to withdraw funds. When I inquired to XXXX, they stated it was my banks problem, which I was not. At their customer service departments direction I reset up my bank information, correcting the problem. Due to the multiple attempts to make a payment, my account was locked and I am being forced to make my mortgage payment by certified funds. This is expensive and not easy to do. My account t has never been past due and I have already made additional principle payments. There customer service, after multiple attempts, refuses to provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
I have two serious complaints against Transunion. Both are about legal issues and possibly violate civil and criminal law and are not directly tied to a credit report. 
i was given a phone number by CS rep. to calll XXXX. No one ever answers and goes automatically to voice mail. I have left 3 messages for them to call me since Monday, but no calls were returned. 

These are serious issues that are not being able to be handled by CS reps. and they said to call. 
I don't want to expose Transunion to this complaint forum now, I just wish to talk to management - someone beyond doing just credit reports.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.

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