BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote to Experian Credit Reporting agency to update and correct my Personal information on my Credit report XX/XX/2021. I sent them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ), they still are reporting inaccurate personal information on my report. Address ID # XXXX and ID # XXXX are inaccurate and need to be deleted from my report.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: CITIZENS FINANCIAL GROUP, 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 five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Lamont, Hanley & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was my health insurance provider in XXXX. They have wrongfully sent a disputed debt to a collections agency for {$760.00}. 

I received prior authorization in XXXX, XXXX, and XXXX from XXXX for treatment by an out-of-network XXXX. Despite the prior authorization for care, and despite filing grievances through XXXX XXXX  they consistently failed to correctly process claims. Each claim submitted required a complete grievance process to ensure appropriate reimbursement. I eventually filed a complaint in XX/XX/XXXX with the CA DepartmenXXXX XXXX XXXX XXXX XXXX that confirmed my prior authorization. The resolution was supposed to be for XXXX to process future claims correctly. Findings are attached for reference. Despite these findings, XXXX continued to incorrectly process claims, and I continued to dispute those incorrect claims through the grievance process. 

As of XX/XX/XXXX, XXXX began sending an incorrect request for reimbursement for XX/XX/XXXX treatments. I filed a grievance with XXXX on XX/XX/XXXX. XXXX did not confirm the grievance was catalogued in their system until XX/XX/XXXX. The grievance is listed under XXXX. As of XX/XX/XXXX, this grievance has not been addressed. 

I also filed a complaint with the CA Department XXXX XXXX XXXX on XXXX. The department released their findings and resolution on XX/XX/XXXX, stating, " XXXX XXXX XXXX has approved your request for as a one-time exception and will remove you from collections and/or avoid collective action. '' Despite this finding, XXXX incorrectly submitted the supposed " outstanding amount '' to a collections agency, Lamont , Hanley & Associates, and I received a collections notice dated XX/XX/XXXX. On XX/XX/XXXX, I emailed both the collections agency and XXXX with documentation to refute claim, including letters of prior authorization and findings from the XXXX. Lamont has not acknowledged receipt of the email, and I received a phone call from them XX/XX/XXXX at XXXXXXXX XXXX XXXX only acknowledged receipt of my email after I sent a follow-up email on XX/XX/XXXX, and a separate email on XX/XX/XXXX that referenced measurable material harm from the impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Transunion is reporting income on my consumer report as charge-off. 
The account information below is wrongfully categorized by both XXXXXXXX XXXXXXXX XXXX  and Transunion. 
XXXX XXXX # XXXX According to the IRS and FRCA XXXX This item on my credit report is violating the following US code Transunion and XXXX XXXX XXXX are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Transunion and XXXX XXXX XXXX  are in clear violation of the law. Pursuant 15 US code 1666b ( a ) Transunion and XXXX XXXX XXXXE are is in clear violation of the law by wrongly characterizing an income as a collection account. 


XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -- Exclusions - Except as provided in paragraph ( 3 ), the consumer report does not include - ( A ) subject to section 1681s-3 of the title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states : Transaction or Experiences between the consumer ( XXXX ) and the person ( You ) XXXX XXXX XXXX making the report is NOT INCLUDED on the Consumer report! 

Utilization and late payment are experiences with the line of credit that was extended between the consumer ( ME ) and the person ( You ) XXXXXXXX XXXX XXXX that is making the report. Congress clearly states that the reporting of transactions or experiences between consumer and the person making the report is not included on the consumer report. 

You are violating the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which congress clearly states that is not included on my consumer reports. 


XXXXXXXX XXXX XXXX is in clear violation of the law. Pursuant 15 US code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX is in clear violation of the law by wrongly characterizing an income as a collection account. 
Once 1099a or 1099c is filled as a result of charge-off the account becomes a taxable income. This makes the characterization of the account wrong. XXXXXXXX XXXX XXXX is reporting an income. See attached Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ).

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
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:
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 is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

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 2021-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
USAA has breach terms and conditions of numbered policy # XXXX and in accordance with law has committed fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased an apartment at XXXX XXXX at XXXX XXXX in 2014. I made every rental payment during my one year lease. I left the apartment in very good condition ( I took pictures that I have available ). 

XXXX XXXX changed management companies just after I left that apartment. The new management company provided a " move out statement '' showing {$4800.00} in apparent rent owing along with fake charges for cleanup and painting. 

I have attached copies of all my checks ( except two months where I paid by money order ). The collection of this debt is fraud at the worst and extortion at the best. I paid my rent in good faith and adhered to move out rules. 

The collection agency is Southern Management Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXXXXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
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: Their investigation did not fix an error on your report

Complaint:
They are reporting my {$170000.00} XXXX loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at XXXX WILL FIX IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an debt opened on my credit XX/XX/XXXX for {$4100.00} the original creditors name is XXXX XXXX XXXX but it was sold to NATIONAL CREDITORS SYSTEMS. I have disputed this debt XX/XX/XXXX stating, I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all terms and conditions in this purchase agreement and the completion date of this dispute was to be XX/XX/XXXX I've had no response on it or completion and it is still impacting my credit, I would like this removed from my credit as it was filed fraudulently because I don't owe anything to this company and have not received any documents or notices of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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: Was not notified of investigation status or results

Complaint:
My account was charged an erroneous overdraft fee that caused a negative balance. The fee that caused the negative balance was reversed but the resulting negative balance fees were not and account was reported to collections Bank can not charge me negative balance fees or other fees related to their error I called and requested info and never received a response. 

Phone call was recorded

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have not authorized the creation of these accounts and believe they are potentially fraudulent

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 2023-12-14
Company: SoLo Funds Inc.
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have attached several screen shots of email correspondence with the company. As those emails show, the loan became past due because I could no longer afford to continue paying it off, and re-borrowing. It became a cycle that was just causing me additional financial hardship because of the added fees and tips on the loan. 

Once past due, I asked the company if there are hardship options. Over the course of a month or so, I was given two options ( neither affordable ), pay it in two installments, bi weekly, and pay it in four installments in successive two week intervals. I provided options I thought might be better for me, and those options were rebuffed. 

Also, and I included this in the screenshot emails, on several occasions the collection efforts from the company included threats of litigation, which I felt is irresponsible and unfair considering I was trying to reach an amicable solution.

Company response to consumer: Closed with explanation