BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me

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 2015-10-01
Company: Mobiloans, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-16
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: 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 60 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 30 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 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 2016-07-06
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
ARA has called me numerous times harrassing me about an alleged debt they claim dates back to XX/XX/XXXX. They are hostile and rude and have hung up on me each time I ask for more information. During one instance, the person informed me that they already have a judgment against me for the alleged debt. Shocked to hear this, I asked to speak to the attorney and for the attorney 's information she said " I will note that you refuse to cooperate '' and then hung up on me. 

Another person, XXXX XXXX with ARA called again today XX/XX/XXXX and told a different story. she said that they have " requested '' a petition for judgment. I asked for details and to speak with the attorney and she refused. She told me she would let me speak with the paralegal, XXXX XXXX. After being placed on hold, XXXX XXXX rudely said she was the account manager and she was XXXX XXXX ' boss. She asked me " what did I want. '' This is odd considering they called me and that XXXX XXXX is supposedly a paralegal and should report to the attorney not to an account manager. When I asked to speak with the attorney, for the attorney 's phone number, and for his bar number, she sarcastically said " his bar number? Bye '' and proceeded to hang up on me. 

These are only a few examples of the phone calls I continue to recieve. Each time I ask for details I get the run around and then they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. 

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. 

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. 

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Law Office of Michael J. Scott, PC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I keep getting paperwork for a debt I have no idea about i never took out a loan in the amount of {$3700.00} i have no knowledge of this amount it is not mine. I could never get a loan and want to know what this is for. They keep sending me these notices I have no idea about show me what this is for and what amount this if what i applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: CA
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:
Equifax is still reporting this Medical Debt with a ZERO BALANCE on my credit report. The new law as of XXXX was anything under XXXX dollars or 0 balance was not to be reported for MEDICAL DEBT. I was told in XXXX by Equifax that it would fall off in six months. The account from XXXX XXXX # XXXX is still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 2017-03-31
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased XXXX money orders from Western Union to pay bills. When I learned the payments had not been credited to my account, I contacted Western Union to trace them. Both had been cashed, but not by the payees I had made them out to. Instead, both money orders had been forged to change the payee and the payor. I asked to have my money refunded because Western Union says they will replace stolen money orders. They had me fill out more paperwork. I also provided them with a police report. They refunded XXXX of the money orders, but told me they could not refund the other because the Bank of First Deposit ( XXXX ) did not respond to their claim request that they submitted on my behalf and so they will not take any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: MD
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:
My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 1681 c. ( 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 2017-01-13
Company: YKS Acceptance, Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
We leased a vehicle from XXXX in XXXX Colorado with the option to buy. The car was a salvage vehicle. We could not license the car. Not only was it a salvage title the car was in XXXX major accidents and they did not inform us of any of this. When we asked for the car fax they said the computers were not working but assured us that it was a very good vehicle. The car had electrical problems, we drove it back to Iowa for a family emergency and we could not drive the vehicle back to Colorado. After going back in forth with XXXX we came to an agreement. We would get the vehicle fixed and the place of their choice!!!!! We called the repair shop and they would not work with this particular warranty company. They requested we pay the amount to fix the car and then be reimbursed from the warranty company. We were not in the financial position to do this at that time. XXXX agreed to pay us our money back and we would go our separate ways. Instead XXXX from XXXX sent XXXX men to my elderly mothers home to reposes the car after we had already made arrangements. They took the car we had all of our personal items in the vehicle and I have emailed XXXX numerous times asking for our things back with no response. This car dealership is dishonest, corrupt, and take advantage of their customers. They knowingly leased us with the option to buy a salvage vehicle that was in XXXX major accidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$230.00}.

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 2020-02-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We have had to file multiple XXXX  complaints against this company. They will not respond to emails, calls, etc. We have had nothing but issues with them. We have changed insurance companies, and they have mandated that we pay these policies in full, then they decide that they don't have to give the money back to us that we paid out to the insurance company. We have been emailing and speaking with the Compliance Department Director, as well as the letter had information pertaining to another one of their customers ( highlighted areas ) and have been advised that we are not entitled to the money that we have paid out to the insurance company. That it doesn't work that way. They will do a projection going forward of what we should be paying and the difference ( which is about 500.00 lower than premium just paid ) may be sent back to us. That all refunded funds are in the escrow account after they do the analysis. When we call they tell us one thing ( if we can actually get someone on the line ) and then the next time tell us they didn't say that, or something different. It took multiple faxes, and XXXX  complaints just to get information updated for our property taxes. If you look up this company on XXXX  they have a F rating and over 137 complaints for the same thing.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In Accordance with the Fair Credit Reporting Act Convergent Accounts BP/Visa Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my wrritten instructions.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXXXXXX XXXX  Balance : {$4.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$110.00}.

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 2017-01-11
Company: AFM Financial Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I prviously filed a compaint # XXXX against AFM Finacial Services for not providing monthly statements reflecting my payments and current balance. AFM responded with an apopogy and stated statements will be provided. I received one statement as a result, for XX/XX/2016 in which the the payment date was changed from XX/XX/XXXX to XX/XX/XXXX. I have not received any statements since despite calling AFM XX/XX/XXXX to point this out.I also reffered them to the original complaint number andtheir response, to which AFM ( XXXX-no last name provided ) claimed to be unaware of stating it must have been their " compliance XXXX '' .The end result is the same, I am not receiving statements although I have continued to make my monthly payments. I have no assurance my account at AFM is being credited correctly.I have no documenatation for IRS purposes since this is a medical debt.I am inclined to stop making payments since there is no acknowledgement from AFM that I have faithfully made payments as agreed. AFM has alternated from being unduly rude to complete indifference when I contact them about this issue.At this point I would consider the debt invalid since AFM will not acknowledge my payments.AFM does deposit my check 's but again without a monthly statement I have no idea, or at this point, any faith my account is being properly credited.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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