BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-31
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries : 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 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 2019-09-30
Company: CAPITAL ONE FINANCIAL 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:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Sectio

n 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any docume
nt that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. 

Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXX bank money. 
I never opened a XXXX XXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. 

This evening I received a garbage statement that tells me nothing. Nothing itemized, no contact with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Caliber Home Loans, Inc.
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:
On XX/XX/XXXX I received a respond to my CFPB 's complaint from " Caliber Home Loan 's team '' which evidenced that XXXX XXXX and XXXXXXXX XXXX XXXX is obviously malfunctioning. 

This letter contradicts with a previous letter sent to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX * on XX/XX/XXXX informing that Caliber became my new " Servicer '' for undisclosed to me parties. The Mailer ID for this letter was disclosed to me by USPS via my FOIA request, so its really XXXX  for XXXX XXXX and XXXX to pretend that this letter was prepared and mailed by Caliber  while I know who really prepared and mailed it, confirmed by official sources. 

According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX  is Caliber Home Loan, as well as undated XXXX  provided to me on XX/XX/XXXX by lawyer XXXX from XXXXXXXX XXXX XXXX 

According to undated and unsigned letter from " XXXX XXXX  XXXX '' said that this " servicing transfer '' was on XX/XX/XXXX. 

According to " Caliber '' 's letter on XX/XX/XXXX, " Caliber '' became " servicer '' of my alleged " loan on .... XX/XX/XXXX, again, for undisclosed parties. 

According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX is Caliber Home Loan. 

Its unclear to me whose payments, credits, charges and advances Caliber " processed '' while " servicing '' some " loan '' for someone who was never identified to me. 

All my money were collected from a XXXX XXXX XXXX XXXX TX and processed by XXXX XXXX XXXX XXXX ' branch XXXX for unknown to me parties It also unclear to me who " released servicing rights '' from Caliber and who transferred it to XXXX. 

XXXX want me to believe that " servicing rights '' can release themselves on its own, without any authority or human involvements. 

None of these letters are coming from XXXX, Caliber or XXXX and none of them are authorized by XXXX, Caliber or XXXX. 

Even " Loan numbers '' do not match. 

I demand disclosures who was my Creditor between XX/XX/XXXX to XX/XX/XXXX who owned account receivable for my alleged loan ; who appointed Caliber as a Servicer for my alleged loan and when and where exactly this appointment took place. 

I demand disclosures who authorized transfer of servicing from Caliber to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: OH
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:
1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXXXXXX XXXX XXXX {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXX/XX/XXXX {$380.00} 6. XXXXXX/XX/XXXX {$37000.00} 7. XX/XX/XXXXXX/XX/XXXX{$1400.00} 8. XX/XX/XXXXXX/XX/XXXX {$940.00} 9. XX/XX/XXXX XX/XX/XXXX XXXX  {$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.

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 2022-12-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-11-22
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XXXX  I sent XXXX.Commercial Acceptance Company and affidavit of truth outlining how their company violated my rights as a FEDERAL PROTECTED CONSUMER. I am revoking my rights under 15 USC 1681i ( a ) I am now requesting their method of verification and Im granting them 15 days to respond to this request if this account was in fact verified as you claim that would mean that they investigate it and it would also mean that this was in fact an investigation of a consumer report if this is an investigative consumer report I am also exercise my right pursuing to 15 USC 1681 ( a ) ( e ) I want to know exactly who you spoke with? and the method you use to speak with them? I also would like the name and employee number of employees who spoke with, and the company who financed this information? Pursuant to 15 USC 1681 ( a ) ( e ) to preserve the judicial economy and save us both time and money in court Im willing to settle this matter for the following demand 1 ) Pay the federal protected consumer rights violation invoice 2 ) zero out the balance on all account 3 ) do not attempt to collect 4 ) Do not furnace any negative activity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2013 I lived in an apartment complex called XXXX XXXX in XXXX, Tx. XXXX XXXX alleged I skipped on a lease, which is inaccurate based on their own records, and then sold the debt to a collector for collection action. XXXX XXXX purchased this property sometime after and has assumed any liabilities associated with XXXX XXXX. I do not owe any money to XXXX XXXX, the debt collector they assigned to collect or anyone else associated with XXXX XXXX. Ive attached the lease for proof. I submitted notice directly to XXXX XXXX prior to moving since I was on a month to month agreement and not a lease per the documents attached. I also moved out in XX/XX/2013 and not the date alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Pentagon Federal Credit Union / Pentagon XXXX is attempting to collect a debt that was included in a bankruptcy, paid in full per the plan and discharged ( Case XXXX ). After many months of disputing this tactic with Pentagon Federal Credit Union with the credit reporting bureaus, CFPB, and the US Department of Justice, Executive Office of the US Trustees was Pentagon Federal Credit Union 's attempts to collect discharged debt was halted and incorrect credit history corrected. 

However, Pentagon Federal Credit Union is now re-attempting to collect the discharged debt by labeling the account as having a past due balance and being a charge-off. XXXX still reports this account as such on my credit file. XXXX and XXXX have corrected the account to show included in a chapter XXXX bankruptcy and with a {$0.00} balance. 

Attached is the Chapter XXXX Discharge notice that has been sent to Pentagon Federal Credit Union multiple times ; and how XXXX is incorrectly recording the account per Pentagon Federal Credit Union and its attempt to collect the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/2018 I requested a freeze on all of my reports with Lexis Nexis by telephone. I was assured this freeze was to be in place immediately and I would receive further documentation and a PIN for un-freezing when needed. To date my reports thru Lexis Nexis are NOT frozen and I have not received said documentation or PIN after repeated requests to Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: EQUIFAX, 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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( XXXX XXXX XXXX   {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I owe JP Morgan Chase XXXX they started in XXXX demanding the balance which was XXXX. I made arrangements to have the full balance paid by XXXX. XXXX they started calling every day asking for a payment, I was told today they will call everyday until they get XXXX they have listed my account as being late four times on my credit report. See below Delinquent Account Reported By Jpmcb Auto Reported On XX/XX/2020 Account Balance {$370.00} Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-28
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: 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 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 Account Number 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 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 explanation
Consumer complaint received 2020-02-22
Company: National Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My student loan is in default. The department of Education transferred my loan to a company named : NCS Collect. I was advised via mail to contact the company or risk wage garnishment. This company has been a nightmare to work with. I've been trying to obtain a reasonable payment plan to get my loan out of default since XX/XX/XXXX. I called and stayed on the phone for more than an hour providing financial information to calculate my repayment amount. After uploading sensitive documents including pay stubs and tax info, I was told that the info would have to be reviewed. I was supposed to receive a call back. That call never came. I tried to call them back the next day, and I couldn't get anyone to speak to me. I was either transferred to a voice mail by someone, or the call went directly to voicemail without me speaking to anyone. I called the Department of Education, and after demanding to speak to a supervisor, I filed a complaint. NCS called me during work hours which obviously isn't going to work, since I'm trying to make money to pay the money that's being demanded of me. I'd call back, and get someone different. I'd then have to go through the ENTIRE process of sending in documents and going through my bills to get a payment amount that was too high for me to pay. I went through this circle 3 times. Each call would take about an hour. I'd be directed to call back, and either my documents weren't received or they were under review. Finally I got to a point where I provided my debit card and scheduled a payment with someone only to be told to call back. When I called back, I had to send the same sensitive information, this time proof of medical receipts only to find out later that they hadn't even calculated my payments based on the documentation I sent in. I've emailed all of this sensitive info to 2 different email addresses and uploaded them to their portal MULTIPLE times. After calling again, and providing my card info again, and resubmitting a document to reflect an even higher amount than I agreed to which I accepted out of frustration, I was told ONCE AGAIN to call back Monday ( XX/XX/XXXX ). I called yesterday, and got voice mail. I wanted to stay on top of things. I can't take this anymore. I believe that I'm being given the run around, so that my wages can be garnished. I think this is intentional between this company and the Department of Education, and it is WRONG. If you review the XXXX XXXX reviews for this company, you'll see the same complaint over and over. Be threatened with wage garnishment only to not be able to work out a payment plan to be executed successfully. It's exasperating. No one wants the embarrassment of wage garnishment, but at this point, it seems as if it would be easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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