BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, i contacted Trans Union concerning items on my credit report from the following companies with partial account numbers : XXXX XXXX XXXX  : Acct # : XXXX & XXXX XXXX XXXX XXXX XXXX : Acct # : XXXX XXXX XXXX XXXX : Act # : XXXX With Trans Union NOT reporting the " ENTIRE '' account #, they're NOT reporting 100 % accurate information required by section 609 of the Fair Credit Reporting Act. And for this cause, this is HIGHLY damaging to my credit score. I submitted a certified letter concerning this matter also a letter asking them to provide the name, address and telephone number of each person they contacted regarding these account. I requested any documentation bearing my signature, they fail to submit that information to me. I reminded Trans Union that as in Wenger v. Trans Union Corp, No 95-6445 ( C.D. Cal. Nov. 14, 1995, they may be liable for their willful non-compliance. Also with my having a credit freeze on my credit report, I DID NOT authorize XXXX XXXX on XX/XX/XXXX & XXXX XXXX on XXXX XXXX, XXXX, to make a inquiry on my credit file without my knowledge. I requested from Trans Union to remove these inquiries immediately because it's making it very difficult for me to acquire credit, especially being a victim of identity fraud. I submitted to Trans Union via certified mail a letter from the WisDOT-Division of Motor Vehicle for verification.

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 2023-08-10
Company: CCS Financial Services, 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 information incorrect

Complaint:
XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from US DEPT EDUCATION XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your US DEPT OF EDUCATION student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX XXXX XXXX XXXX CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX  ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Us auto sales went out of business and west lake portfolio took over the loans. I've paid off one of my vehicles and west lake says I still owe XXXX on it after I paid it off before us auto sales went out of business.. then I have another vehicle from us auto sales and I've paid XXXX  payments and west lake says I haven't made one payment and they say I owe XXXX XXXX So in my mind I just waisted over XXXX and I don't know what to do

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 2023-11-10
Company: I.C. System, Inc.
State: TX
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:
On XXXX XX/XX/2023, a letter was sent to IC System in XXXX XXXX, MN to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/2023 and signed for by a XXXX XXXX. As of today ( XX/XX/2023 ), I have not received any response from IC System as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter today dated XXXX from TDD Retail Card Services regarding an application under an incorrect name with my personal home address, and likely my SSN. 

The fraudster is usuing my address, my first name with my mother maiden name. my mother is deceased. The fraudster had recently also used this name to try and collect unemployment benefits from XXXX. I have filed with them separately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX  XXXX. XXXX, XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
A letter was sent to all 3 credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a XXXX  which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.

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 2022-04-05
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In or around XX/XX/2021, the company reported to the three major credit bureaus false or misleading information that adversely impacted my creditworthiness. The company, for example, told the Office of the State of Maryland 's Attorney General that the {$6000.00} did not include assessed collection fees. However, on or about XX/XX/2021, the original creditor, XXXX XXXX and XXXX XXXX, confirmed that the amount had an assessed {$2500.00} collection fee. When a complaint was filed in accordance with the FDCPA, the original creditor, through the collection agency, attempted to " clarify '' that the {$2500.00} was for a reversed provider adjustment and not a collection fee. Despite these significant differences, the collection agency continued knowingly reporting the original amount. The previously stated assessed collection fee showed as the " balance '' of the debt, which violates the FCRA and the FDCPA. 

Next, the company failed to provide the agreement specified in Section 808 of the FDCPA. When asked for evidence that the original creditor was permitted to collect a fee, the company repeatedly provided an agreement dated eighXXXX days after the service date and when the debt was originally incurred. Despite this materially significant factor, the company has continued to report, in the balance, an amount that includes collection fees on which there is no agreement authorizing the company to assess any such fee. 

For these reasons, I believe the company has violated the FCRA and the FDCPA and has knowingly employed prohibited practices in attempting to collect this 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 explanation
Consumer complaint received 2023-07-21
Company: Atlanticus Services Corporation
State: NC
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:
I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been disputing this debt for years without any resolution. XXXX, My former cellphone provider, reported that I owed them {$1000.00}. Which is a ridiculous sum of money to be owed to a cellphone provider. I dont owe that and never have. And have never been given proof stating what the charges are for. They sent my debt to an agency and put my account into collections where it been for years. I disputed the charges through XXXX, XXXX, and even XXXX XXXX. Ive used a credit repair service to fix this as well. Yet its still on my credit and nothing provided to me justifying the amount. I do not owe {$1000.00} to XXXX. Ive tried calling the collection agency to negotiate a settlement for an amount similar to what I actually did owe XXXX and the employee hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a car from Ford motor company in XXXXI lost my job and car was repossessed. After they sold it it was left owing {$5000.00} something. 21 years later they're still garnishing my wages every time I get a new job is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: NC
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 sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : XXXX XXXX XXXX  # XXXX. Also US Dept Of Education # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to do a short sale on my property but the lender did a drive by BPO and over valued the property. The property exterior and interior is falling apart. 
The lender refused to do an interior. since the property is over valued just from a drive by I am deemed not eligible for a short sale. If they come out and do a full appraisal of the property they will see the property is not worth the price tag they put on it. 
I have been in contact with the lender and they said that its not eligible for a short sale so they wont order an interior appraisal. 

These are all the things that needs to be addressed and taken into consideration regarding the value of the prop The drive by value is completely over valued as these are only some of the things listed here. 
But there is quite a bit of other problems that will have to be addressed : Major termite damage throughout the entire home, some of the floors are very thin and need major repairs. 
The basement has a mice infestation. 
Hot water heater needs to be replaced and is over 25 years old. 
Gutters are damaged and need to be replaced. 
The driveway and pavement need repairs and have concrete damage. 
Foundation cracks on the walls in the basement. 
Exterior wood has some termite damage. 
Shingles on the exterior need repairs, has some missing shingles. 
The enclosed front porch has collapsed and the exterior front of the home has vines that have grown and penetrated through the walls and as well has poison ivy. 
The floor in the attic is open and needs insulation repairs. 
House has plaster walls and may have termite damage. 
The third bedroom had a water leak from the roof, the ceiling is damaged and cracked open. 
The kitchen needs updating. 
Loose Tiles in the bathroom. 
The bathroom sink and bathroom as a whole need to be updated along with the toilet since it is leaking. 
Crack in the corner of the room in the living room. 
Parts of the cellar need repairs. 
The sump pump needs maintenance Electrical Panel needs to be repaired ; it has not been improved since the 1950s. 
Washer and Dryer Units to be removed. 
New Air Conditioning Unit Aluminum Sheds outside of the home need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Atlanticus Services Corporation
State: SC
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 Account # XXXX, has violate my rights.

15 U.S.C. 1681 Section 604 A Section 2 : States I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: IL
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:
It reports that I made a late payment on one account. But all my payments have been made 100 % on time.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Looking through my identity theft report I saw a collection from XXXX XXXX XXXX that has a balance of {$130.00} owed & has been reported incorrect on my credit report since XXXX XXXX. This has been negatively reporting gravely affecting my credit worthiness. I have never done business with this alleged company and was not properly verified with me the consumer that this debt was real. This account was not notified that it was going to be added to my credit report and Transunion didn't properly investigate this debt before attaching this false debt onto my credit report. This company purchased my personal information which is a violation of 15USC6801b ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Transunion violated 15USC1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Both Transunion and company XXXX XXXX XXXX  violated 15USC1692e creating false and misleading misrepresentations.

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