BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: The Shindler Law Firm
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection agency Shindler and XXXX is refusing to release the levy it placed on my bank accounts. I am currently under XXXX XXXX bankruptcy that is current and active. Below are the details of communication between myself, my attorney ( XXXX XXXX ), and XXXX and XXXX. XX/XX/XXXX - Shindler and XXXX Levied accounts XX/XX/XXXXXXXX - I contacted XXXX & XXXX and spoke with XXXX XXXXand informed them of my bankruptcy. I requested that they release the levy on my bank accounts. They informed me to have my attorney fax them my bankruptcy filing. XX/XX/XXXX XXXX XXXX- My attorney faxed XXXX & XXXX my bankruptcy filing. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX to inquire as to the status of the requested release. I was informed that attorney XXXX XXXX is reviewing my file and would be informed the next day for status. XX/XX/XXXX - No Contact from XXXX & XXXX regarding status. XX/XX/XXXXXXXX - Contacted XXXX XXXX XXXX to inquire about the status of release. I was informed by XXXX XXXX that my attorney needed to contact them regarding my case. 8.30.2018 XXXX Contact XXXX XXXX to address the matter. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & J and was put on hold for an hour with no response. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX  regarding release. No response.XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX and was put on hold for 5mins with no answer. XXXX XXXX - Contacted XXXX XXXX XXXX and was informed by XXXX XXXX XXXX have my attorney contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
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:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

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. 

XXXX XXXX XXXX XXXX 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.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 2021-11-07
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: Account status incorrect

Complaint:
In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this 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 2022-06-01
Company: EQUIFAX, 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:
EQUIFAX I have been trying to submit a dispute for a number of days since my credit score was dropped XXXX points on XX/XX/XXXX FOR PAYING OFF A CONSUMER LOAN IN FULL AND ALMOST {$4000.00} IN CREDIT CARDS WHICH IS INEXCUSABLE CONSIDERING THE 5 PLUS POINTS ON THE PREVIOUS DAT FOR A {$470.00}, PAYDOWN OF ONE OF THE REMAING CARDS IN THE {$4000.00} paid en total.. FROM XX/XX/XXXX on the system will not recognize a valid log in and immediately blocks me for XXXX hours when I have attempted to LOG IN THE FIRST TIME.This pattern has occurred on every attempt : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. XXXX.It represents a willfull and intentional action to block my right of dispute under the FAIR CREDIT REPORTING ACT HERE IS THE SECOND VIOLATION OF MY RIGHTS- I have tried the telephone dispute and have encountered the same blockage. I go through XXXX minutes of useless recorded banter attempting to divert me back to the web site that is blocking me-And finally hear that I can not be helped at this time. I have called 2-3 times a business day during the listed hours. SO-I CAN NOT EVEN DISPUTE OR GET ANY ANSWER AS TO WHY THESE HYPOCRITES VIOLATE THE VERY BASIS FOR THIER POMPOUS CLAIMS ABOUT HOW PAYING ON TIME : AND LOWERING DEBT RATIOS IMPROVE A PERSONS CREDIT SCORE. THE REASONS THEY GAVE AFTER ALL THOSE PAYDOWNS AND PAYOFF WERE : TOO MUCH REVOLVING DEBT : AND PERSONAL LOANS ( S ) I ONLY HAVE ONE PERSONAL LOAN ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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. 

XXXX XXXXXXXX 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.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 2019-03-28
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:
I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX XXXX XXXX XXXX   Account : CLOSED - Account Number : XXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report. 

IN ADDITION >>> I have Notified EQUIFAX and XXXX SEVERAL TIMES Online, and By Phone with their Specialized Fraud Departments that AS THEY WELL KNOW that ALL of my personal information is public and available for sale on the underground web and that Fraudulent Attempts to use my Identity are still being made and inquiries are being placed on my credit report and I am receiving calls from Creditors Regarding opening up a new account as a result. I reported the inquiries as FRAUDULENT to Equifax & XXXX and they Insisted I contact the creditors and Request them to remove them due to their being fraud which I did - But they ALL sent me back to Equifax & XXXX - WHO REFUSED TO DO ANYTHING ... so ONCE AGAIN I AM STUCK WITH FRAUDULENT INFORMATION ON MY CREDIT REPORT WITH ONLY THEM DUE TO THEIR REFUSING TO OBEY FEDERAL LAWS AND REMOVE CONFIRMED FRAUDULENT ACTIVITY FROM MY FILE. Equifax and XXXX Need to Obey Federal laws to the Letter ... or my next Step is a BILLION DOLLAR FEDERAL CLASS ACTION LAWSUIT AGAINST THEM. FIX THESE ISSUES NOW!!!!! OR SEE YOU IN COURT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for these accounts completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.

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 2019-04-05
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX Lustig, Glase rand Wilson put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX XXXX XXXX and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXX in Nevada ... I don't know if this is legit.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-08
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 just recently reviewed my profile an

d Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these items that are erroneous in my file for they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. XXXX or XXXX other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.

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 2022-06-01
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased this car in XXXX of XXXX  and my Retail Installment Sale Contract Simple Finance Charge states the payment schedule was 72 months. The original loan amount total is XXXX. My payment is XXXX. I did place XXXX payments on the back for the duration of the loan, but they are saying I still owe a balance of XXXX. There is no way possible that I should still owe this amount. I can get that I still owe XXXX for the XXXX payments on the bank but there is no way I should owe XXXX, this would almost make me pay for the car twice. The interest rate on the loan is XXXX. This is predatory lending and false information based on what I signed. The car was purchased from XXXX XXXX XXXX XXXX and the purchase of the car was only XXXX dollars. The lender stated something about a daily interest and there was nothing discussed in regards to daily interest. This again is predatory lending. My account should only have a balance of the XXXX payments. I should be paying this account this year, but I will still go well into next year. This can not be legal and fair

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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. Transunion, XXXX and 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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just recently reviewed my profile and

Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these items that are erroneous in my file for
they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
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:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously.

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