BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY

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 2021-06-03
Company: Cadillac Accounts Receivable Management
State: PA
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:
I have been getting calls from XXXX from Cadillac Accounts Receivable Management from the phone number - XXXX. They keep calling once every month saying that I have a debt. They never disclose what the debt is about. I ask them to send a notice or mail and they never send that too. 

I tell them everytime that I am not receieving a notice and they say I have a debt. How do I verify they are not scamming me or if the debt is even real. I dont have any unpaid bills that I am aware of. Appreciate any help you can provide on this.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: MS
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'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}. 



XXXX XXXX Account # XXXX XXXX verified or different with the three credit bureaus, also the date of last activity. XXXX violations. 

XXXX XXXX XXXX XXXXXXXX Last date of activity difference on the XXXX credit bureaus also the date of opening is different. XXXX volations XXXX XXXX account # XXXX XXXX verify doesn't match the XXXX XXXX also the date of last active and the date of opening. XXXX. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. XXXX XXXX XXXX XXXX XXXXXXXX Last verified and date of last activity and date of open. 3 volations Total volations 16

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 2021-04-10
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have tried repeatedly all of XX/XX/XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, XXXX, and Equifax as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. Equifax dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: OneMain Finance Corporation
State: TX
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:
n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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. 

This is a duplicate inquiry and shall not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit bureaus stated my account was properly investigated, but how is that possible if they're inaccuracies? The Date Last Active is inaccurate, and Date Last Reported is inaccurate. The Credit Type is inaccurate, The Account Status is inaccurate, The Payment Status is inaccurate, The Late Payment Status is inaccurate, and the Account type is inaccurate. This is grounds for removal in addition to violating my rights under : 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 instruction.

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 2023-07-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a XXXX XXXX XXXX, and a business checking through Chase bank. Someone hacked into the tshirt company that I order my blank shirts from and made 22 orders under my account and company debit card. All of these orders were shipped to New York. I have filed a police report. I have closed my account with the tshirt vendor and cancelled the debit card from Chase. There was about {$8500.00} worth of charges that were not authorized by me taken directly from my account. I have never shipped an order to New york. Chase says it isnt fraud because I regularly use this vendor, but I sent them all the invoices showing that the goods were not shipped to me or received by me., or authorized purchases. I have filed a claim with Chase 3 different times. I have contacted the office of comptroller of the currency who sent me to you. I do not know what else to do. This was absolutely fraud on my debit card and I am currently in the negative with my checking account at chase. PLEASE HELP ME GET MY MONEY BACK! 

I do not have the documents scanned into this computer but I will happily fax them somewhere if you could please forward me the fax info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$850.00} XXXXXXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} FST XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-11-07
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-25
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a rebuttal regarding the company 's response to my prior complaints. I have included additional supporting information, so please do not disregard this rebuttal. The attached documents provide a thorough description of the issue. Part of the text is included below for reference/context. 

I am writing this in rebuttal to BSI 's response which your office forwarded via email to me on XX/XX/XXXX. Additional supporting documentation ( copy of escrow closing document dated XX/XX/XXXX indicating XX/XX/XXXX taxes already paid in full prior to BSIs business relationship with me ) included to further support my position. 

My prior complaint and documents ( including property tax bills for the last six payments ) to help BSI try and resolve this matter are also attached. The fundamental issue is that BSI sent in an extra {$2500.00} check for property taxes ( and deducted the amount from my impound account ) which wasn't needed, and never cashed. BSI has failed to credit me back the amount, and hasn't looked at my documents or spoke with XXXX XXXX assessor 's point of contact I provided, in order to resolve this matter. 

BSI 's last response has misinformation - specifically, they keep repeating that they made a payment of {$2500.00} for XX/XX/XXXX taxes and that this accounts for the " extra {$2500.00} ''. But this is simply not true. 

The XX/XX/XXXX taxes were paid by my prior lender ( XXXX XXXX XXXX XXXX ), and the dollar amount was {$2500.00} - this occurred 5 months before I even had a business relationship with BSI ( which began after I refinanced my loan in XX/XX/XXXX which was then sold to BSI financial ). 

As further proof, attached is an image of the closing documents from that close of escrow/refinancing in XX/XX/XXXX- clearly showing ( see pen location ) that at close of escrow the XX/XX/XXXX taxes had already been paid, and that the next tax payment was due in XX/XX/XXXX ( which BSI paid delinquent in XXXX ). 

In addition, I met in-person with XXXX XXXX tax assessor 's office ( XXXX XXXX XXXX XXXX and received a subsequent email from her review of the last XXXX tax payments ( attached ) where she explicitly states that the XX/XX/XXXX payment was made by XXXX XXXX XXXX XXXX XXXX not BSI! XXXX XXXX also clarified that the " extra check of {$2500.00} '' from BSI was not needed and therefore photocopied and destroyed by her office. Her email includes the check numbers from BSI 's checks so that BSI can confirm that the check was never cleared/cashed. XXXX XXXX was even so generous as to offer to speak with BSI to help clarify the situation. 

However, BSI is choosing to ignore all of this supporting documentation and stick with their misinformed and inaccurate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After speaking with Sallie Maes financial department for the second time, they still say that there is no way to lower my monthly payments. I spoke with a rep yesterday because my account was 60 some odd days past due. I explained that I was recently in two car accidents that were within a week of each other as well as being recently diagnosed with a chronic illness. The only option they would give me was to pay my past due amount of {$770.00} all within this month of XX/XX/XXXX. So on on both of my pay periods for this month ( XX/XX/XXXX and XX/XX/XXXX) i will be forced to pay Sallie Mae XXXX and XXXX respectively. There were no other options given to me at the time of my phone call on yesterday XX/XX/2020. I am currently only working part time and not by choice which I informed them of on yesterday XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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