BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Concord Servicing Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've submitted written requests for Blackwell Recovery to return the debt that I have disputed because I am trying to work with the original creditor to work out a cancellation option, and can not move forward with the account in collections. I plan to work this out and settle with the original creditor, and all of this has been explained to Blackwell Recovery. They are actively ignoring my disputes and continuing communication. I need this situation remedied ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ACIMA CREDIT, LLC
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Credit Card Acquisitions Group
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 this company did several things wrong, first they called me while I was at work and they left a voicemail. Then they called my sister and left a voicemail. I then reached out to the company and gathered some information and informed them to not contact me again. They then turned around and called my place of employment ( I work customer support, so they called the general support phone number ). The caller was told all 4 times he called in that this is a support line for customers of our business and that he is not to call into this number. They called a total of 4 times into my companies support line on XX/XX/2019. Since this company was not able to get the resolution they wanted with their illicit tactics they used, they sold the debt off to a company called Foster and Monroe LLC. 

This Foster and Monroe never reached out to me about this debt and I have initiated a dispute with XXXX. 

I have the first call recording that this company made into our support phone line along with the third call attached to this complaint. This company made a statement when I spoke with them on my personal cell phone ( after leaving a voicemail on both my number and my sister 's number ) that there was a court document or standing that there was a garnishment. This was for the XXXX XXXX area in Virginia, I called all the court systems in that area and there were no cases against me or pending or any of the such. 

The last attachment is the call that my supervisor took, again in our support phone line, and the caller was being combative and harassing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Colony Brands, Inc.
State: NC
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 # XXXX Account # XXXX Account # XXXX MONTGOMERY WARDS, ACCT # XXXX Account # XXXX Account # 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 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.C1681s-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 explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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 XXXX XXXX XXXX Account # 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 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 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
This is a complaint against TransUnion. In XX/XX/2018, XXXX XXXX, which is a car dealership in Puerto Rico, mistakenly requested my credit information through two auto financing companies : XXXX XXXX XXXX and XXXX XXXX. Those requests through those two financing companies were not authorized by me. On XX/XX/2018, I sent a letter addressed to Transunion XXXX, in which XXXX XXXX admits that it was an error, and that it should not have requested that credit information through XXXX XXXX XXXX and XXXX XXXX. However, Transunion states that it can not handle my complaint because it needs a letter from the two financing companies ( XXXX XXXX XXXX and XXXX ) saying that they mistakenly requested TransUnion my credit information. The problem is that none of the two financing companies ( XXXX XXXX XXXX and XXXX ) are willing to give me a letter stating that they should not ask for my credit information, because they were authorized by XXXX XXXX. I think that these companies are right, it was XXXX XXXX that asked them, without my authorization, to investigate my credit. However, Transunion told me that there is nothing to do, and that my loan will be affected. Please help me. Thank you XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have not received a response from the credit reporting agencies on any of my disputes.

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 XXXX : # XXXX ; XXXX XXXX XXXX : # XXXX ; XXXXXXXX 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX XXXX for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

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 2019-06-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Financial Services shown a charge off on my 3 reports. This account has reach it statue limitation to be remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information reporting 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 explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ACC 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
tXXXX : XX/XX/23 Experian : XX/XX/23 XXXX : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.

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 2023-03-30
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:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Know action has been taking by XXXX, XXXX, Transunion on updated information, deleting inaccurate information and updated report.

Company response to consumer: In progress
Consumer complaint received 2022-05-24
Company: Genesis FS Card Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between estimated years XXXX I was a victim of identity theft from multiple unknown entities most of medical student and credit card debt that was fraudulently opened in my name without my knowledge as I was in and out of inpatient facilities, group home/state ran facilities for XXXX I sustained from XXXX under care of the state no income or assets. In XXXX I was able to move back home and try to establish my identity credit and background after also going through a divorce in XXXX of XXXX without my knowledge and granted in ex husbands favor as I was in inpatient care in a hospital setting as this was granted. I was never able to change back my last name to my maiden name as Im still struggling to establish long term employment over activities in my credit and background report that should very well NOT be there. I can give information of ones I suspect to have made these charges and openings in my name but it is unknown to me what is showing thats preventing me from gaining adequate and long term employment as well as establishing identity in organizations. I need help in restoring my name credit and background. I have threatening harassing misrelated relayed information constantly in play to me and constant spamming of phone calls letters emails voicemails important document/information theft/ loss of employment from matters unbeknownst to myself or my knowledge. i need a freeze and investigation into who is using my name and what is circulating as Ive already established reports with the credit bureaus, and see some unknown activities but doesnt clearly state the details in them as I did not open them, and every time I dispute these charges stay or I find new charges. I have tried to build my credit with a financed loan, ONE loan, to help me further my livelihood after all of the hardships I have faced, and somebody is using me for fraud preventing me from being the productive member of society I worked so hard for!! This is preventing me from going back and furthering my education. I need this investigated and handled now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct 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 explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, 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:
EQUIFAX, XXXX, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: Insight One Solutions, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home back in XXXX during that time my 2nd mortgage has exchanged hands. The last known mortgage company was back in XXXX by XXXX, when I filed bankruptcy and unknown to me it seems this was no longer something you can file bankruptcy on. I reached out to my 1st mortgage company to refinance back on XXXX and that is when I found out there was a lien on the second mortgage which was owned by Sortis. Since the bankruptcy I never received any communication from XXXX or Sortis regarding the sale of the loan including any information regarding my debt obligation. In XXXX I contact Clear Spring Loan Servicing that was handling the loan for Sortis to see if we can settle or come to some sort of agreement and Clear Spring indicated the amount I was offering that the investor would not take my offer. At no point in time did they discuss options with me and phone communication had ceased. In XX/XX/XXXX, I received a notice finally from Sortis that the loan had been sold to XXXX XXXX XXXX. Comes to find out during these last XXXX years the loan has accumulated interest and late fees that totaled up to {$80000.00} on top of the loan itself. Now XXXX XXXX XXXX is claiming the principal obligation and the interest and late fees. In my opinion XXXX and Sortis have violated my consumer rights, I was never given any opportunity to discuss options back in XXXX to now and now forced to pay {$80000.00} in interest and late fees. I find this very unfair to me as a consumer and according to XXXX XXXX XXXX that was unfortunately out of their control.

Company response to consumer: Closed with explanation