BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2022-12-12
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter to XXXX, Transunion and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and ho it was completed

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 2021-04-03
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Midland Funding is reporting a debt on my credit file that I do not owe. I have sent them multiple letters for them to validate this debt and I have yet to hear back. This account had been removed from my credit file and they recently put it back on?! I was not notified about this and they gave me no chance to dispute it once again which violates my 30 day right to dispute. This account is past the statue of limitations in my state and it's also past the credit reporting limit. I need Midland Funding to remove this account from my credit file. I will also let you know that if you continue to report invalidated false information to any of the three credit bureaus it could constitute fraud under both federal and state laws. If you continue to report invalidated information and false information on my credit report I will have no choice but to contact my attorney general and my attorney. This debt is past the statue of limitations as mentioned and the credit reporting limit which means you must remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CT
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Westcreek Financial
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: LDF Holdings, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received an automated phone call from XXXX. The automated message identifies themselves as Lendgreen. This company has been leaving automated messages for every day for more than a year, sometimes several times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) Account Name XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2020-09-30
Company: TD BANK US HOLDING COMPANY
State: LA
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:
Had a vehicle loan with TD Auto, I refinanced my car with XXXX XXXX on XX/XX/2020. Prior to me refinancing my car I made a payment about a week before. XXXX XXXX got pay off, that included my payment because it didn't post yet. TD Auto stated my refund is {$400.00} TD Auto received payment in full from XXXX XXXX on XX/XX/2020. I've called several times in reference to my over payment. I still haven't received my refund. I sent an email and I called on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 - XXXX XXXX stated check is holding due to having GAP & service warranty it taking time. 
XX/XX/2020 - XXXX stated check was cut & sent to my address. Sending it be traced & escalated XXXX XXXX XXXX stated sending email to supervisor to call me. Stated call back @ XXXX next day if I don't get a call back XX/XX/2020 - XXXX transferred me to supervisor - on hold for 45 minutes, no one answered - she sent a supervisor a message to call me XX/XX/2020 XXXX XXXX stated reaching out to supervisor, should get a response in 5 days. 
XX/XX/2020 XXXX XXXX - on hold for 35 minutes then XXXX XXXX picked up - transferred me to supervisor. 
XXXX XXXX, supervisor - stated sending email directly to department. Will call once get a response from them. 

STILL WAITING ON A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Possible Financial 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:
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
as of XX/XX/2023 I had a balance of XXXX on my Home Depot credit Card. they offer promotional balances at not interest for up to six month on purchases over XXXX. A representative advised me back them to pay a total of XXXX in order to avoid interest charges which I did. as a courtesy she waived 1 month worth of interest and said as long I paid the XXXX I wouldn't be charge. once payment was done XXXX XXXX systematically applied the payment as a credit for the upcoming charges that were supposed to expired staring XXXX on and not for the recurring charges. as a result I'm paying interest on the balance as if I never made the payment. they conveniently take the payments for upcoming promo that's going to expire in the future even-thought I was told otherwise and it should be all notate it. Im disputing the amount of {$710.00} dollars worth of interest for recurring charges that I already paid

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 2023-06-28
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX AND XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: National Credit Systems,Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. 
We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems. 
The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. 
Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. 
XXXX XXXX XXXX was non responsive to any attempts at communication. 
XXXX XXXX  XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw a debt from a collector named XXXX XXXX XXXX XXXX. I didnt know what this was until I contacted the agency. I found out it was a medical bill but didnt know when it was from. I have not received any written notification or bill from anyone prior to me getting a collections on my report. I contacted the agency and found out where it was from. It was from a hospital visit where they contract a private doctor to see patients. Well the hospital has my insurance information but apparently they do not. They could have easily went to the hospital and got my information but nope, they automatically report it as delinquent to my credit without contacting me about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: SC
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:
Report Number XXXX and Report Number XXXX Date Generated XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account type : Secured Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$660.00} written off. {$560.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$560.00} Balance updated : XX/XX/XXXX Recent payment- Monthly payment- Credit limit : {$500.00} Highest balance : {$660.00} Terms - On record until : XX/XX/XXXX Payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days CO Charge off Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX 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 2023-08-04
Company: Prince Parker & Associates
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Prince Parker and Associates XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Date : XX/XX/2023 Whom it May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within XXXX XXXX XXXXXXXX XXXX days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation