BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Fidelity National Information Services, Inc. (FNIS)
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 have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to XXXX XXXX XXXX XXXX ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the XXXX Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN XXXX Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.

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 2022-08-08
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears 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 2022-04-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for the covid forbearance plan that I was eligible for they advised that I was and said I would get my letter within the next week. I later learn that I was denied the assistance for Covid forbearance due to the property management team stated that the property is vacant how can you deem a property as vacant when the lights are on when the water is on and the gas is also on is beyond my understanding. The property has never been vacant and each and every time I try to work with this company they insist on advising that they will work with me and later this is never the case they hire these people who deemed the property as vacant. We have had a lot of storms in MS and therefore due to the storms it looks as if the property is vacant due to all the trees and waste after the tornado and constant rain which has made the up keep extremely hard the company hires people who sell my information to seize my home during this state I have had an unlimited amount of calls and text messages due to the breach of information within this company requesting that I sign over the home or I sell it to the outside rep. The company is hiring employees who are working for themselves to seize homes from the home owner in order to make a side profit for themselves giving out confidential information that is not suppose to be given out it is a breach in credit information a breach in privacy information it is a breach within this company that if they are doing this to me I am very sure they are selling the information of other homeowners to investors and other institution without the homeowners consent or knowledge it is important that someone investigates this company and their lack of assisting the homeowner using skillful tactics as loop holes claiming the property is vacant in order not to offer the programs available for the homeowner to keep their home only trying to seize and sell to investors who are within the company as colleagues to make a side hustle off of the homeowners expense an immediate investigation into the skillful tactics of this company is needed using slick loop holes to deny such as vacant after this brings it to the bank as not eligible for assistance due to slick use of loop holes within the mortgage system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CAPITAL ONE 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:
The last complaint stated that I opened up an account on or around XXXX. And apparently due to public record they confirm that they were my transactions. Public record also states that I've lived in dresses that I've never been to and that current address that you supplied is a building that's been burned down since XXXX and only recently rebuilt. I do not and have never lived in the state of Pennsylvania. I have a New Jersey state ID that says otherwise. Also in XXXX I was XXXX years old so I didn't realize you guys gave credit cards to minors .. so I asked that they remove this off my credit report as I've never applied to this company. I am homeless and do not have a current address ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2022-12-28
Company: EQUIFAX, INC.
State: NY
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 pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: AZ
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:
These are not my accounts, nor are the addresses and names on file.

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 2022-11-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS loan servicing is escrowing my home owners insurance. 
My insurance company stopped writing in the state of Florida and I was notified by SLS on XX/XX/XXXX via a letter stating that I had to provide proof of insurance immediately or they would have to force place insurance on my property. 
I immediately found out what had happened and secured a policy with a new insurance company and I send proof of insurance on the XXXXXXXX XXXX XXXX XXXXXXXX. My agent also provided this t

o SLS as well. SLS still force plac
ed the insurance on me and has continued to take an extra thousand dollars a month out of my checking account since XXXX. 

Despite emails, several phone calls and a complaint to the XXXX XXXX XXXX SLS is still withdrawing the extra money from my account. 

I cal and call and keep getting the same answers that they are reviewing it and will take 10 to 15 days to get back to me. 
Yet I keep getting letter that I need to provide proof. 

They are completely incompetent or just fraudulent

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 2023-05-09
Company: The J. G. Wentworth Company
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I was harassed by JG Wentworth to sell annuities while I was in a vulnerable state, causing me to lose over half of the original amount that was owed to me on a life insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was pr

operly investigated, bu t how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 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 2020-07-28
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:
on XX/XX/2020 I sent XXXX  the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
ive noticed a possible fraudulent account on my credit report named XXXX XXXX. i do not recognize this account and i would like it 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$370.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a XXXX collection on my credit report, that i has no idea of until the collection was reported to the Credit Bureau. I was never contacted regarding this debt. If I was contacted there was never a message left requesting a return phone call. Therefore I was not aware this account needed my attention. I have contacted IC Systems in regards to this debt, and they stated an address that I have no lived at in 5 years. If I had been contacted about my address change I would have taken care of the situation. My correct address is listed on the report given by credit karma from CI Systems. I have still yet to receive a notice for this collection. The only reason I even know about this debt is through my credit karma credit report. I have attempted to go to their website to look over the debt I supposedly owe, but the company requires a reference number to the account which I do not have because I have never received a notice. I have no files to attach to this complaint due to never receiving a notice.

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 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion XXXX and XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft

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 2021-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONSUMER XXXX SENT PORTFOLIO RECOVERY ASSOCIATES A VALIDATION LETTER IN RESPONSE TO THEIR CLAIM THAT I LAWFULLY OWED THEM ANY MONEY. THEY DID NOT RESPOND IN A LAWFUL / TIMELY MATTER ALLOWED BUT RESPONED WITH A NON CONSTUTIONAL/LAWFUL RESPONSE. NUMEROUS DAYS AFTER DEFAULTING ON RESPONDING TO MY DISPUTE LETTER. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF ME. CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CERTIFIED WHICH ARE 1. NOTICE OF FAILURE AND OPPURTUNITY TO CURE DOCUMENTATION, 2. A FTC REPORT AND 3. EVIDENCE OF DECEPTIVE FORMS THEY HAVE SENT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been disputing a account that still haven't been verified it mines legally. I keep receiving copies of the same letters but no verification from original creditor that this account is mines. No signed contract or information of payments to show where this account come from.I deleted it once and it was deleted but then later reinserted with no notice that this would come back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I submitted disputes with XXXX  and equifax and both were closed. I have a XXXX balance as I paid off my mortgage with XXXX  nearly a month ago. It is still on my credit report with a balance.

Company response to consumer: Closed with non-monetary relief