BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}

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 2021-09-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
It's from a collection agency called XXXX XXXX XXXX they stated in the letter I took a payday loan out with Ace Cash Express ( I know I payed it off, this is from XXXX ), they say they are going to file a civil lawsuit unless I pay {$950.00} by XX/XX/XXXX. They also say they will report it to the credit agencies and seriously damage my credit if I don't pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Waypoint Resource Group, LLC
State: WA
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:
WAYPOINT RESOURCE GROUP is using the Color of Law to publicize and furnish inaccurate and private information that has resulted from Identity Theft as defined by 15 USC 1681a ( q ).

A certified notice providing more details is being attached to this complaint and mailed via XXXX XXXX mail # XXXX XXXX XXXX XXXX XXXX You have 4 days to block this information pursuant to 15 USC 1681c-2 or further legal action can and will be taken against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
https : //www.loandepot.com NMLS # XXXX -NMLS Consumer Access XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UNSOLICTATED JUNK MAIL USING MY PERSONAL INFORMATION This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. A misleading mail with no address, except in small letters hard to find. 

How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company, not to use my name. I'm a XXXX, I'm a XXXX  veteran and also I'm a senior citizen being target by this junk unsolicited mail. ) just because I, m a veteran who served our country ) I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is refusing to remove three accounts on my credit report that do not belong to me. I have personally contacted the creditors at Experian 's request and they have each individually confirmed my concern that Experian is reporting someone else 's information on my credit. <P/>I am filing this complaint because Experian is reporting someone else 's accounts on my report and they are refusing to remove these items. <P/>The following accounts need to be deleted from my credit report immediately : XXXX XXXX with account number " XXXX '' ; XXXX XXXX with account number " XXXX '' ; XXXX/XXXX with account number " XXXX '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the XXXX in their database. <P/>This is making things more difficult because since I am not the right XXXX, it is against their policies to send me additional information about these accounts. I am being given the run around by Experian and these companies and I feel stuck and do not know what else to do.

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 2018-09-14
Company: M. Richard Epps, P.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In the process of refinancing my home and title company receives a demand for payment from M. Richard Epps , P.C . in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court XXXX system and its for a case where the " lien '' garnishment was released after Chapter XXXX was filed. They misrepresented information sent to XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXXXXXX, 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 written instruction.

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 2021-06-10
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021, I sent a goodwill letter disputing the validity of ( 8 ) incorrect items on my credit to XXXX. I submitted disputes along with evidence that the letters were in fact sent to the correct address. The representative stated that he would include the notes pertaining to the letter and that the disputes would be investigated. He went on to state the original debtor had transferred the debt to another collection agency and that the information was verified that company. I called back on XX/XX/XXXX to follow up with my second letter and was informed that neither letter was received by the dispute department and could have potentially been destroyed. I called back in today and spoke with a representative from XXXX to XXXX EST only to be told that due to the high volume that she was not able to assist in looking into the matter and that the only thing that she could do was to start a new dispute following my follow up letter. She then transfers me to a dispute Supervisor XXXX and we started the entire conversation over and he informed me that they had not received any of the ( 3 ) letters that I submitted questioning the misinformation on my credit report. I have been patient with Equifax for ( 2 ) months and when I feel as though I am getting somewhere, the supervisor ends the call and I am then prompted by a survey. As a result of the handling of my inquiry, I am now submitting a concern about Equifax and their poor management of my personal information. This company is in violation of 15 U.S. Code 1692g, 15 U.S. Code 6801, 15 U.S. Code 1692e, and 15 U.S. Code 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a loyal customer with the U S Bank for over 50 years. Ive had both personal and corporate visa credit cards throughout the years and have consistently paid the monthly payments on time. The interest charges have always been competitive and consistent with my other banks. Although, recently the US Bank substantially increased the interest rate for no justifiable reason. I have contacted the US Bank card services to come up with a solution to this situation but unfortunately the US Bank is not willing to work with me to get the payments back to a reasonable monthly payment. As a senior citizen age XXXX on XX/XX/XXXX of this year, being on a fixed income has put my wife and I in a financial bind. I can understand an interest rate change for customers that consistently make late payments, but in no way should a rate increase be made to a long lasting customer that has made monthly payments on time for many years to current. I am asking for your help to get a resolution to our problem, as well as making sure this does not happen to any other elderly customers that are compliant with US Bank.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I submitted a dispute to Transunion LLC utilizing the format / template provided by the CFPB for disputes and although i provided all the required information they stated over the phone that they could not find me in their system because I did not provide a file number that i did not know about. However in the letter they sent me they stated I did not identify myself correctly and they were not going to process my claim/ dispute.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}

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 2021-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I mailed disputes to equifax, XXXX and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX equifax, and XXXX on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the 3 credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CASHCALL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a loan with XXXX XXXX in 2013. I am now getting calls from a credit report agency saying i owe {$5000.00} and they are suing me for this amount. I havent received any letters, but just harassing phone calls. Today when I asked for the information I was constantly interrupted and called dumb ( told I lack the mental capacity to understand what I was being told ), but the lady on the phone would not allow me to finish my questions to get clear information. She kept saying i needed to get a letter from XXXX stating that I had a XXXX balance, but nothing from this company is on my credit report and I no longer have loan documents from 2013. This company is no longer in business due to being constantly being sued by various states for illegal loan practices. What can I do about this company. I am in Texas. I am being harassed and they are not helpful.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached

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 2023-05-20
Company: LEXISNEXIS
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : 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 I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation.

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: ERC
State: OK
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX Enhanced Recovery Co L, XXXX. XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation