BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX XXXX  XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

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 2021-10-06
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 I contacted Equifax, XXXX and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report.

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX - Paid in Full amount {$0.00} Please investigate and delete from my credit report.

6. 12 XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Account status incorrect

Complaint:
Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2020-02-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon! I am filing a complaint in regards to a XXXX XXXX account that I have been disputing. I have requested on numerous occasions to obtain the original consumer signed contract & XXXX XXXX, nor Weltman, Weinberg & Reid Co had responded with a copy of the actual consumer signed contract. I have been attempting to resolve this matter for months & have had no luck. What I am asking for is very simple. An original consumer signed contract. I have requested the again via email to Weltman as well, with no response to date. There is a court hearing this Wednesday and I am doing everything I can to resolve this issue. PER FCRA 609 I have requested what is a proper debt validation & it seems impossible to obtain that copy from XXXX  XXXX  or Weltman. In their last response they claimed they werent reporting this to the Credit Bureaus, which is not true. The information that was sent to me in XX/XX/XXXXwas not a valid debt verification. Anyone can send me copies of bills and statements. That is not what Ive been requesting. As I have said I am doing my best to resolve this matter with no such luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a total of {$790.00} to Midland Credit Management, and reached a settlement for a one time payment of {$670.00} to settle the debt and close the account on XX/XX/XXXX. The confirmation # for that is XXXX XXXX XXXX. However, they continue to claim I still owe them {$110.00}. I do not owe them this as we reached a settlement, however they are refusing to close it. I have contacted them multiple times, the last being dated XX/XX/XXXX to resolve this issue but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a {$330.00} K rate and term refiance for a investment property on or around XX/XX/2021. They sent out discloures on XX/XX/XXXX verifying my info. All reuested documents where sent to them by XX/XX/XXXX. They gave a condition list on XXXX, all conditions where sent in and signed off by Underwriting. They approved the loan CTC. 

The loan seized activity past that point, calls went unreturned, emails not answered, as my agent tried in desperation to assist me and reach higher level managment for assitance. I myself filed a complaint with client services 3 times that also went unresponded. 

I would suggest that the State please look into this as this company has commited major compliance violations and many people online XXXX, XXXX, XXXX, report similare experience 's They bascially abandoned my loan with no proper discourses of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Evergreen Acquistions, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They contacted my wife phone number i dont know how they got her phone number and left a voicemail stating they needed to talk to me about legal actions. They never tried recheaching me first. As i call them first thing was trying to collect a debt for an old loan and if i didnt pay they were taking legal actions to collect money. XXXX dlls are owed couldnt pay i went in a hardship since XXXX was in a car accident and im trying to figure out what to do since i losty vehicle was injured and im under a accident attorney since i lost all my money paying some expenses at the moment of the accident. They are asking for apyment arrangements to pay of XXXX every two week for 8 biweekly payments but right now im living check by check since i have a different job due when the accident happen i basically lost my old job due that a vehicle was required for the job. Now its hard for me with my paychecks to even pay all my bills and rent and keep up with my family duties.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-13
Company: Possible Financial Inc
State: CA
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:
Dear CFPB, I am writing with a deep sense of frustration and disappointment to file a formal complaint against Possible Finance. It has come to my attention that this company has inaccurately reported me as missing a payment, tarnishing my credit history, credit score, despite the fact that every single one of my payments was made diligently and on time. 

They reported to Credit Bureau 's on XX/XX/2023 that I missed my first payment on XX/XX/2023 for {$73.00} even though it was withdrawn from my bank account and the payment cleared without any trouble or multiple attempts. 

I emailed them regarding this and was told I would hear a response in 2-3 business days and was never reached out to again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses

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 2019-12-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am in XXXX  school and taking half time classes for about a year already. Navient is requesting I pay student loans EVEN WHILE IN SCHOOL HALFTIME. This is unfair and highly unethical as I try to pursue my XXXX. I am studying to become a XXXX  XXXX at XXXX XXXX XXXX and have sent them documents on XX/XX/XXXX stating I am taking halftime classes WHICH THEY ACCEPTED. What they are doing is wrong and they are unprofessional as i have been taking HALFTIME COURSES ALL YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: AES/PHEAA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, My initial loans were federal loans, which I then consolidated with one of the larger companies ... XXXX XXXX, I believe. Seven years ago, my loan was bought by another company, American Education Services. The main problem I am having is this : Many months, I would send in more than the minimum payment, typically {$20.00} or so. Some months ( only a handful ), if I had forgotten that I made a payment already, I made two full payments of {$130.00}. About two months ago, my minimum payment was raised from {$130.00} to {$290.00}. This is due to the ORIGINAL consolidation terms being a balloon repayment plan. ( That is a whole other story to get into later ). 

I started looking into my loan payments and balance amounts at this point, however, and realized that for almost two straight years, not a single amount of my monthly payment went toward the principal of the loans. During the other years, anywhere between 5 to 7 of the 12 payments during those years saw the same situation - not a single amount of the payment going to principal. 

I sent them an email questioning them on this, and they send back some XXXX information about how, in their opinion, they do not have to put money toward the principal, that they can allocate the money toward interest for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: AK
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:
To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/XXXX, XX/XX/XXXX asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statue of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.

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 2023-01-05
Company: Debt Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am so upset because I've done the hard work to get my credit score up and to utilize below 30 % of any of my cards, which is all o but one is XXXX  balance. I am very proud of myself! 
I received a letter about debt from DRS  ( I had never heard of them ) opened up the letter, and it stated I had a debt of over {$1800.00}, and if I did not respond by XX/XX/29, then it's assumed it was my debt. I called them and had to call back because I did not have the letter with me, but once I did, they had all of my information, old address, SS #, and my cell # from a check and go, which I have never sought any loan or money from ever! 

Instead of them waiting to see if it was me, they contacted all ( 3 ) credit bureaus, and I submitted disputes for two of them. today, XXXX stated that this would remain on my file due to DRS  having all my information, which this is not mine... I also had an entire criminal investigation. done by my new landlord because I had XXXX XXXX until my name and it was clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian and let them know that I have several accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of Education/XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. After informing them of this problem there was nothing done to fix the problem.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: IL
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 Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : 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 explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: IL
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 have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

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. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. Experian has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX  XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.

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