BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collector or creditor did not provide Hipaa release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I have not This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: SYNCHRONY FINANCIAL
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We are the XXXX XXXX for a XXXX XXXX. On Tuesday, XX/XX/XXXX we called to close a CD account with Synchrony Bank and have the balance mailed to us. After not receiving the check I followed up with them on Monday, XX/XX/XXXX and they indicated they had not received the first request but they would mail the check minus a {$1500.00} penalty this week and we should have it in 7 to  10 days. The person I spoke with said they did not have the authority to waive the fee but would have a manager call me back. I never received a call back. I called again on XX/XX/XXXX and spoke to two people. The final preson being a XXXX who was a supervisor. She indicated that when I called on Monday, XX/XX/XXXX there was no notes made to escalate the call and that they needed to investigate the original call of XX/XX/XXXX before they could make a determination. She said this would take 48 hours and I would hear back next week. After not hearing back again I called Synchrony for the fourth time on XX/XX/XXXX and spoke with a representative of Synchrony. He indicated that the review of the phone logs that was promised to be completed in 48 hours was not completed. He indicated that he could tell from reviewing our account that it had been mishandled from the beginning. He also informed me the check had until XX/XX/XXXX to arrive at our office. Also, that the penalty was {$1800.00} they deducted not the {$1500.00} originally quoted. Also, he stated that they could have charged us {$2100.00} as if it was a favor to us. I let him know that the contract shows a penalty of 90 days interest, to which he said he could register a concern if I wanted, which I said I did. I asked to speak to a supervisor. He put me on hold twice and came back and said no one was available and if I wanted he would put in a request for a call back and I would hear back within 48 hours. He also indicated that he did not think his supervisors would change the position on the penalty. I informed him we would be filing a complaint with the Consumer Protection Board and he indicated we should if we felt it was necessary and that he was pretty sure they would not change their position on the penalty even though they had not followed their reported internal procedures. As of this time we have not received any of the Association 's funds owed totaling {$200000.00} and can not get a response on the fees that have been charged.

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 2023-10-24
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was overdrawn and was charged hefty every day fees of {$30.00} USD each with a total amount of {$90.00} USD. I did know about this when I opened my account with them. This is too much to charge to their customers. Money grabbing method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MD
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXXBalance : {$1900.00}, XXXX XXXX Balance : {$170.00}

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 non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-05-02
Company: Experian Information Solutions Inc.
State: VA
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2019-04-30
Company: TD BANK US HOLDING COMPANY
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:
This account was disputed with the company the company deleted the account in which I have the deletion that was sent to me on XX/XX/19 the report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NM
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

******I sent a letter to XXXX XXXX XXXX , and EQUIFAX to reinvestigate these accounts that are reporting illegal transactions late payments. XXXX refused to investigate. Please see attachment XXXX LETTER I am aware that transactions may be applied to the consumer account as per XXXX LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX  XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX EQUIFAX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX RECEIVED ( XX/XX/XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted the loan service company about a payment plan and was told they would send papers in the mail my next payment would be XX/XX/XXXX so I sent a check then got a letter saying it wasn't received and that I'm in default so I called to make the payment that I mailed electronically and was denied to make 1 payment and was told I needed to make 2 or I needed to wait until I could make 2 and refused the payment I was trying to make then I was told if I mailed anything it will get sent back to me. I did however mail another check since the fist one was never cashed hoping it will be processed this time. And will be making a payment every 2 weeks till caught up since my paperwork for the payment plan will not be coming.

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 2022-05-02
Company: EQUIFAX, INC.
State: VA
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:
The Credit Bureaus stated my account was properly investigated but how can this be true when there are 23 accounts with inaccurate information reporting? These inaccuracies are grounds for monetary reimbursement as well as removal as they violated my rights under the following : 15 U.S.C. 1681 section 602 A which states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 which states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took longer than 30 days to review and update the information on my report as requested in XX/XX/2022. Here are my certified mail tracking numbers Equifax : XXXX XXXX : XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX, Experian, and XXXX are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

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 2018-08-10
Company: Experian Information Solutions Inc.
State: TX
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:
I have attempted to contact Experian, I always appreciate their assistance however there are a few things left unresolved. First thing is, there is an inquiry from XXXX Card Service that I did not authorize the date for this was XX/XX/2018. This inquiry is fraudulent and I did not authorize this. Please block this inquiry. Secondly, I see two accounts from XXXX Card Services, and one from XXXX auto. I sent in a police report and these were never blocked. Additionally I have another issue that I am going to see if I can get assistance for, so my address listed should read XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX however it does not appear that way in addresses. Lastly there are two inquiries from XXXX, I only authorized ONE inquiry. This was on XX/XX/2018 the second one on XX/XX/2018 was a duplicate. I am unsure why they pulled two since I only authorized this once. I opened an account on the XXXX with XXXX but Im not sure why they took another inquiry the XXXX I did call them, and they werent sure either. Can you please dispute the second one? Thank you for your assistance!

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 2022-04-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CONVERGENT OUTSOURCING {$440.00} Your company have violated FCRA XXXX ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2023-11-08
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I submitted a complaint identified as XXXX. Pursuant to FCRA 609 ( e ), I am entitled to a copy of the documents submitted using my personal information. I have made multiple requests for this documentation. To date, XXXX2023, I have not received the documents. I demand a copy of the documents so that I may mitigate future attempts of unauthorized use of my personal information.

Company response to consumer: Closed with non-monetary relief