BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
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: Their investigation did not fix an error on your report

Complaint:
In 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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 

report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. 

I asked them to remove any names and addresses that are not associated with the documents I have attached for reference

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 2017-05-10
Company: Experian Information Solutions Inc.
State: IN
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:
Experian is reporting the following incorrect spelled names :  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 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 2021-12-17
Company: CREDIT ACCEPTANCE CORPORATION
State: UT
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: Problem with personal statement of dispute

Complaint:
I started a dispute with Credit Acceptance because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The lending company ( Credit Acceptance ) refused to repossess a junk car. I tried to take the lending company to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.

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 2018-10-17
Company: Consumer Portfolio Services, Inc.
State: TX
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:
I have previously sent this company a request to validate the alleged past due record under the Fair Debt Collection Practices Act and all I received was a print out starting from XX/XX/XXXX through XX/XX/XXXX without any past due record. This company is reporting past due history through XX/XX/XXXX! 
This does not meet the Federal Trade Commissions guidelines of what constitutes proper past due validation. 
This company is now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. This erroneous past due information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. 

This company also failed to : What the past due amount was for : Explain and show me how you calculated the past due amount ( s ) : Provide me with copies of any papers that show I was past due : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations of this reporting and amount due has NOT expired on this account in state of Texas : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Original car TITLE for an auto loan that has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately. 
This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2021-12-17
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX BB & T XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2021-12-03
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: Information belongs to someone else

Complaint:
I was reviewing my credit report and these accounts from XXXX XXXX XXXX. These accounts are unfamiliar to me. I don't know these accounts. I filed an FTC report and I've attached it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management This company has added debt to my credit report in the amount of {$640.00} to XXXX XXXX XXXX  that I do not owe and never open to begin with. when I called this company they couldn't tell me how much I owed they ask me to tell them. They also ask for social security number and never gave this information to them because I googled them and they have XXXX reviews claiming these people are scammers I hanged the phone up. This company is messing with my credit and needs to be stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I filed for a cash advance of {$250.00} from Ace Cash Advance. I dont remember the initial date, but I was employed but due to covid I was placed on a Leave of Absense due to not being able to work remotely. I have been telling ace cash express. The calls will stop then abruptly will start up again as early as XXXX to probably normal closing hours. 

At first I would stay in communication but then I started feeling like I was being interrogated like if they thought I was lying so I quit answering. Well, today XX/XX/21 to communicate I was still unemployed. Im getting foodstamps, I applied for rental assistance, I have no source of income. I went to let the lady know. I applied for a medical emergency. I literally almost lost my brother due to an XXXX. I didnt have time to save the money. I had to do it right then am there. Then she got hostile. And wanted to know how I got the loan if I wasnt working and then her tone just got agressive so I hung up. This is why I dont answer because she. It leads to the aggressive attitude and questions of interrogation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear Freedom Mortgage, Your letter dated XXXX XXXX was received the week of the XXXX. Whereas you have received payment your demand for payment and a late fee is not valid, any late fee imposed is fraudulent. Whereas the bank has verified that the moneys where deposited/transferred in to Freedom Mortgages account in XXXX, XXXX and XXXX your actions are harassment, your threats are counterproductive. As your demand for payment letter was not mailed on XXXX XXXX assuming 3 days for mail we conclude the letter was not mailed tell the XXXX of the month at the earliest. Based your customer service over the years and after speaking with your customer service and being refused to be allow to speak with a supervisor it is clear that your company is not customer oriented. Based on you letter and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose. 
Of note XX/XX/XXXX to XX/XX/XXXX is 31 days not 33 days. 
Please provide in writing your plan to prevent further miss placement of funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( XXXX, TransUnion XXXX XXXX ) are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2018-08-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

I sent a letter of verification dated XX/XX/18to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report.

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX to show proof of any such accounts.

XX/XX/18 I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations.XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau!

Today is XX/XX/18! Ridiculous! This all literally started in XX/XX/XXXX and its almost XX/XX/XXXX. Do companies no longer have to abide by the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-03
Company: SOUTHSTATE CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with CenterState and they merged with SouthState in XX/XX/XXXX. The payments for this mortgage were being drafted out of my credit union checking account by CenterState. I did not realize there was a problem until I received a notice from a credit monitoring service that I had a 30 day late payment on my mortgage. I investigated this because I knew my payments had been drafted out every month on time. I called SouthState and they had not applied any payments to my account since XX/XX/XXXX. Even though CenterState automatic withdrawals have come out of my account for XXXX, XXXX, XXXX and XX/XX/XXXX. I have record of that. When I tried to log on to the CenterState website I had used to set up these automatically withdrawals in the beginning, it automatically forwards me over to SouthState 's website now. I have spoken to and sent in emails to the people SouthState has instructed me to and have gotten no assistance. In the meantime, in order to avoid more late payments to damage my credit, I made two payments on the SouthState online website. No one can help me stop further automatic withdrawals from CenterState from coming out of my account. My credit union said I need to file a fraud dispute so I will do that. Currently, I have 4 months ( over {$6000.00} ) of mortgage payments floating around somewhere and supposedly I still have a payment due to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.

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