BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Paradigm Assets, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the XXXX business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: 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 XXXX XXXX XXXX. 

Creditors Bureau Associates : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2021-04-14
Company: ALLY FINANCIAL INC.
State: MI
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:
I financed a vehicle through Ally Financial auto in XX/XX/XXXX. In XXXX, I attempted to change the payment date online from the XXXX of the month to the XXXX. I cancelled the payment for the XXXX and made a payment for the XXXX. They took a payment for the XXXX and the XXXX. I tried to get a refund and was told it takes XX/XX/XXXX business days to send the info to another department and they have XX/XX/XXXX business days to send it to another department who has XX/XX/XXXX business days to send me a check. I contacted my Credit Union and made an unauthorized deduction report. The money was back in my account in 2 days. So, I refinanced the loan with my Credit Union and got a 10 day payoff amount. I went on line and made a payment for the balance the day after the refinance money was in my checking account. I waited for the money to be transferred for about 10 business days and nothing happened. I called Ally Financial and was told the payment was scheduled for XX/XX/XXXX. Why would I get a 10 day payoff amount and schedule it for 4 months later? The person on the phone said I needed to change the date and she would walk me through the process. I kept her on speaker and brought up the account online. When I tried to change the date, the calendar would not change. I had to close the online site and reopen it. And after another few attempts I was able to get the calendar to change. I then asked why the payoff amount was more and I was told there was a XXXX dollar a day charge which added to the balance. This is the most difficult financial group I have ever had to deal with. Why would anyone get a 10 day payoff amount and schedule the payment for XXXX? My experience times a few XXXX more means big money for 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 2023-05-16
Company: Experian Information Solutions 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:
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. 
has violated my rights. 

Name of Account Account Number. Balance XXXX Dept Of Ed XXXXXXXX {$630.00} Unverified Account XXXX Dept Of Ed XXXX {$5700.00} Unverified Account XXXXXXXX Dept Of Ed XXXXXXXX {$2500.00} Unverified Account XXXX Dept Of Ed XXXX {$6100.00} Unverified Account XXXX Dept Of Ed XXXX {$2700.00} Unverified Account US DEPT OF EDXXXX  Account numberXXXX Date openedXXXX Original balance {$4700.00} US DEPT OF EDXXXX Account numberXXXX Date openedXXXX Original balance {$500.00} US DEPT OF EDXXXX Account numberXXXX Date openedXXXX {$4700.00} 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 AN 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 explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-07
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Afternoon, My name is   XXXX   XXXX   I have been working on my credit for the pass few months. I notice a new change on my credit report from Credit Management, LP   XXXX   XXXX   XXXX    XXXX , TX  XXXX . I have never received a letters from them indicating where and how I owe them or when did I start services with them. I have disputed this with the Complaint ID # :  XXXX  Business Name : Credit Management, LP on   XXXX   XXXX   as well. I had a Fraud Alert on my credit since 2008 I want this company to resolve this matter as soon as possible if they provide proof that I owe them with a valid contract this is effecting my credit report.
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX after I applied for a loan modification to SLS XXXX XXXX. I was told by a phone call to XXXX XXXX that nothing would change with my loan. Attached you will find the letter that was sent by XXXX XXXX where in paragraph # 2 states " rest assured, this transfer does not affect any terms or conditions of your mortgage other than those directly related to the servicing of your loan, SUCH AS WHERE YOU SEND YOUR PAYMENTS. '' XX/XX/XXXX I checked online ( my account is paperless ) and I noticed there was a different amount than what I was told. I further saw fees being assessed in the amount of {$25.00}. I called and I was told that SLS charges {$25.00} every time someone checks your account for the balance. I asked if I could refute these charges and that XXXX XXXX never charged those fees and I was told my loan would not change when it was switched. I was advised that I could send a letter to refute the charges. 
I sent and faxed a letter XX/XX/XXXX ( letter attached that was sent ). XX/XX/XXXX I was sent a letter stating a correspondence was sent to the wrong place. I sent it again to the new address. 
I have never received a response. I called XX/XX/XXXX and requested a call back. Noone ever called back I called XX/XX/XXXX and they advised me my request was denied. I checked the website and there is no denial letter in my documents nor did I receive one via mail. 
I now received a letter that someone has been assigned to my account due to being behind. I am not behind and I am current. SLS should not be able to charge me due to XXXX XXXX did not charge me. I would also like my due date changed back to the date it was with XXXX XXXX. 
1. XXXX XXXX said there would be no changes 2. the due date is the XXXX  now and was the XXXX with XXXX XXXX 3 . I would like all fees removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
4. They have refused to modify my loan, take a short payoff, or refinance. I offered them the amount of the loan I purchased it for in XXXX and they refused. Document attached showing they denied the short pay off.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Thank you for your time and help in this matter.

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 2023-03-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/ Balance : {$16000.00}

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 explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been incarcerated from XXXX to XX/XX/XXXX I serve 13 years straight and did not open this account with capital one. I was incarcerated when this fraudulent account was open and couldnt and didnt have open any account incarcerated. I call capital one numberous time and disputed it with them along with government documents showing that I couldnt have open the account because I was incarcerated. Capital one open a fraudulent account in my name and refused to fix the problem or properly investigate it by look at the document I mail and fax over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : 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 explanation
Consumer complaint received 2022-04-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT
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 XXXX XXXX XXXX charged me for my federal student loans for one semester. I failed the classes so I decided to drop out of my XXXX and continue at a later time. XXXX ignored my request to drop before the due dates. I text message chain to show when I asked to be dropped. So now I have student loans for the failed classes as well as the classes I requested to drop. Understanding I owe the money on the classes I failed, I have them as a student loan debt. They then try to tell me that I owe the school on top of the federal loans for the class I failed, and then added on top of that for not dropping in time. They sent those claims to collections with ConServe. My Federal Student loans are currently frozen under the coronavirus relief, but the school is wrongfully billing me on top of charging student loans and making money off that. ConServe received all documented proof and is still attaching to my credit report. Its clearly fraud and a mess up with the billing department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NJ
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 Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

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