BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NV
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 certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.

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 2023-10-04
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:
THEY ARE CONTINUING TO REPORT THIS FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one denied my dispute even after providing evidence that I did not do business with company that charged my card. Capital one had no intentions of sufficiently looking into the case and resolving it. I was charged for a transaction I never authorized by a merchant I did not do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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:
XXXX, TransUnion and XXXX  have overused their assumed position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this debt collection company attempting to collect on a debt I do not owe. 

They claim to be collection on behalf of the XXXX but I have never had any accounts with the XXXX. Since I registered my car in Texas I have had a XXXX XXXX ( their competitor ) and have been in good standing with them the entire time my car has been registered. 

The license plate they have listed on the collection letter is not mine and they can't even spell my name correctly. 

I requested they validated the debt in accordance with the FDCPA and a few days later I received their " validation '' which raises more issues than their original letter. 

The statements from the XXXX they provided have different amounts than they claimed I owed in their initial letter. 

The address listed on the statements is not mine nor the address where they sent the initial letter. 

Once again the license plate listed is not mine. 

It is quite clear to me the ignored my initial response when I stated the license plate number listed on their bogus letter is not mine since their " validation '' shows the same plate number. 

At first I thought these errors were just mistakes but it is now obvious they are using deceptive collection practices in order to scam me out of money. This is a rather egregious violation of UDAAP and FDCPA. 

If they are doing it to me they are surely doing it to others. 

How much money have they made by sending fake collection letters without bothering to do some basic due diligence? 

The questions they need to answer are : 1.What steps did they take to confirm the information before violating my rights? 
2. Why are the amounts listed on their " validation '' different than their original letter? did they add extra fees before validating the charges in violation of FDCPA? 
3. With me advising them in my response and request for validation that the license plate listed is not mine why did their " validation '' list the same plate number? 
4. How do they plan on compensating me for violating my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXX XXXX. local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/XXXX the same date of statement closing on XX/XX/XXXX. XXXX XXXX incorrectly reported the balance as {$3300.00} to TransUnion and XXXX. When it should have been {$1800.00}. This error incurred by XXXX XXXX caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/XXXX. I paid this today ( XX/XX/XXXX ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: NV
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 violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I keep getting calls from diversified adjustment service because of XXXXXXXX XXXX that i still haven't paid dept as to {$52.00} and its telling me that i can pay it online from my account from securus technologies but that's the thing i don't have money and my ex knows i don't have money and i didn't even know that i had to pay for every single call or that i even knew that i had a account. I just want it to go away i can't really pay for it and i don't know what to do. I just want the calls and the letters to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, addresses nor did I authorize these companies to run my credit. Please remove them.

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 2023-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification in XX/XX/XXXX ( due to XXXX related income deficit ), and was approached by a lawyer to sign the paperwork, however I had a question about the proposed plan and I attempted to be in touch with the bank however the only option was through calling XXXX number and was provided with a generic answer and advised to wait for a call back from the senior team, which never occurred. The deadline had passed before I was able to sign due to unclarity on the offer, and while was reassured by the customer service I will be contacted by a senior officer from the bank, which never occurred so I had to call the XXXX number again and was instructed to file a new application which I did however that application was declined in XXXX ( after waiting for 6 months ), so applied again in XXXX and was just informed it was declined in XX/XX/XXXX. I am only asking the plan that was approved in XX/XX/XXXX being considered, but again tried calling the bank and was bouncing around by the XXXX number agents, and despite asking for a supervisor to call many time they have not called except for one time XX/XX/XXXX when they asked me to apply again. I am attaching a copy of the bank 's letters for each of those responses. The repeated miscommunications from the customer service team of the bank with no physical branches has been very challenging, and added a significant additional burden throughout this very stressful process without knowing the fate for our only residence, and while enduring financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company is a third-party debt collector ; attempting to collect on a debt that has passed its statute of limitations.I have relayed letters to the company, to notify them of my consumer rights and in an attempt to have the blemishes removed form my credit report. Even after recieving my letter, the company continues to attempt to collect and is damaging my credit, while taking no regard for the federal and state statues that apply to my situation.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, 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 2023-07-26
Company: Experian Information Solutions Inc.
State: OH
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:
Re : Reinsertion Of previously deleted Inaccurate/invalidated items To Experian Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ).

These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXXXXXX XXXX  Account # XXXX I was never late on this account. please update to never late/paid as agreed. 
Thank you for your time and help in this matter. 

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, 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 2023-10-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I applied for the HAF program referred by my loan service provider while under forbearance during XXXX and waiting for a decision on my repayment plan. The XXXX program sent me a response stating they sent several messages to the loan service provider and havent received a response and then I received an email that the HAF program stated my applications was deny due to I wasnt in default and then I received a call from my loan service provider stated I was approved for the repayment plan and then also responded to the XXXX  program and this being my first experience really dont understand the process aggreed the the repayment plan thinking I was deny and was afraid I would lose my first home and to think my Loan service provider had my interest in mind and find out later on a repayment plan had tripled what I originally had

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 2021-03-13
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from my credit bureaus saying that I have a collections report from a company named Credit Management XXXX XXXX This agency states that it is attempting to collect a debt on behalf of XXXX XXXX for a past due amount of {$160.00}. I tried to contact this agency to no avail. I then contacted the creditor for which this agency stated that they were acting on behalf which is XXXX XXXX. XXXX XXXX representatives stated that they do not have my name or personal information ( SSN, Driver License Number, Addresses ) in their system and therefore advised that this may be a false account. This has severely impacted my credit score which I have worked very hard to maintain. I do not have any contract or agreements with Credit Management XXXX XXXX  or the creditors for which they are representing and therefore am requesting that they remove my information from their system and correct their report. 

Credit Management XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Phone Number : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation