BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 checked my credit report and notice multiple inquiries that I did not authorize.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2020-12-03
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: Investigation took more than 30 days

Complaint:
I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with 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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in my vehicle on my loan for another used vehicle and switched financing companies. Exeter is still showing my old car, my old loan balance, and stating I have a payment due at the end of the month. Upon calling multiple times, I was met with resistance and told I need to call my new lender, which I did, and they said it is Exeter 's responsibility to get a hold of my new lender to get this resolved yet no one at Exeter willing to help fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Navient Solutions, LLC.
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:
XXXX and Navient have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX  balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Debois, Inc.
State: OH
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:
XXXXdbs financial XXXX XXXXXX/XX/XXXX this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: CA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My concern is that even when I pay partial payments towards my monthly mortgage payment, the company is still charging me a {$15.00} fee to have someone go out and confirm that I still reside at the house and that it is not vacant. I have tried telling them that I reside in my home and do not plan on losing my home so why do they keep charging me this fee every month to have someone ride by my house. Yes, I admit that I pay my mortgage 15 days late ; however, this fee is causing me more debt than I can afford. I think it's just a cruel tactic for them to collect more money when not necessary. I can understand if I was 2 months or more behind but this is not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine please send proof of me signing for this alleged debt, This debt is hindering me from getting employment and housing during this pandemic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-03-11
Company: Experian Information Solutions 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:
The reporting company, XXXX XXXX XXXX, is violating my rights under HIPPA Law for account # XXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.

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 2020-03-20
Company: Flandreau Santee Sioux Tribe
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The sales person did not accurately and honestly depict the terms of the loan and the repayment fees. The original loan was for {$1400.00}. I have made 4 payments directly from my bank account in the amount of {$470.00}. They are now saying that there is an additional outstanding balance of {$1900.00}. This companies practices are unfair, deceptive and abusive. Correct address is : www.//Rushmorefinancial.net

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/, I received a letter from Ideal Collection Services ( Ideal ) alleging that I owed {$710.00} to XXXX XXXX Apartments ( XXXX XXXX ), which I had moved out of nearly a year prior. 

On XX/XX/XXXX I sent a letter to Ideal disputing their claim and advising them that XXXX XXXX had failed to comply with Florida Statute 83.49 ( 3 ) when they did not send notice to me of their intention to impose a claim for damages against my security deposit within thirty days of the end of my tenancy. Per Florida Statute 83.49 ( 3 ) ( a ), their failure to comply with said requirement precludes them from pursuing a claim for damages unless they first return the full security deposit to me. To date, neither Ideal nor XXXX XXXX  has returned my security deposit to me, despite being informed of my new address upon the end of my tenancy and having set up mail forwarding with the United States Postal Service. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Manager for Ideal Collection Services. XXXX XXXX letter included documents and pictures, but at no point did she address her clients failure to comply with the Florida Statute. XXXX XXXX letter went on to state that if I did not begin making partial payments by XX/XX/XXXX, she would forward my account to the national credit bureaus. 

While I have engaged in good faith dealing with both XXXX XXXX and Ideal, I am not receiving the same treatment in return. XXXX XXXX XX/XX/XXXX letter appears to be a clear attempt at coercing me into paying a claim that they do not have the legal right to collect under threat of damage to my creditworthiness. 

My preferred solution is for Ideal and XXXX XXXX to drop their claim against me and allow an amicable end to our business relationship. However, if XXXX XXXX/Ideal wish to pursue their claim against me, I demand that they return my {$250.00} security deposit before doing so, as required by Florida Statute .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2020-03-20
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance. Freedom mortgage has had 9 requests since XX/XX/2020 for my payoff by my escrow company. I have numerous emails and names of who they have spoken to and all of the processors at Freedom mortgage are stating that they did not get it, when I have been given proof that faxes have been received, calls have been made. 

Requested payoff XXXX Checked on payoff XXXX was told it would be here in 5 days checked for payoff on XXXX told they never received request resent through fax XXXX was told I would have it in a day XXXX was told they never received the request XXXX called spoke to two people one in the XXXX we have everything we need and will get it to you XXXX XXXX  We are working until XXXX XXXX  we will get it XXXX spoke to someone ( name in my file ) told it would get here on the XXXX due to virus. 


We just need a payoff. My new refinance loan lock is going to expire and it will cost me {$900.00} to keep my lower rate. 

I need some help. Now their phone number is not taking calls.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
experian is reporting a charge off account of XXXX  XXXX XXXX this account was paid in full and was not a chagre off i have cotnacted them mutliple times and they advised ti would be corrected

Company response to consumer: In progress
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: ProCollect, Inc.
State: MS
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:
I ask that the charges XXXX  on my account be verified and validated, since I didn't recognize the apartment name or complex. I thought this was the way to get this removed. My credit info has been breached on several occasions by XXXX Email System, XXXX XXXX Visa, and XXXX. So my personal information has been leaked and has been used to make purchases and fraudulent credit line attempts. I was recommended that I contact CFPB and fill out a Affidavit with Identitytheft.gov.

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 2018-10-04
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to jobs loss for my wife in and reduction of income for myself, I started to get behind on our mortgage payments with Freedom Mortgage and started the loan modification process on XX/XX/2018. I sent in all the required documents, including Hardship Letter, Financial Package, W2 's, bank statements, and 4506t.etc. Freedom Mortgage for the past 4 months has made no progress on this loan modification application and seems to be requesting documents every month which I always provide. I've sent updated hardship letter, paystubs and bank statements and for some reason they still can not get to a resolution. I spoke XXXX agent id : XXXX on XX/XX/XXXX and she informed that Freedom had received all documents and everything was complete for review. Another rep call on XX/XX/XXXX and advised the same information and that I would have an answer on XX/XX/18. I called on XXXX to get an update and AGAIN, I was not told that More a bank statements are needed. What seems to be happening is I provided the necessary documentation and they sit on them for 30 days to let them expire ONLY to request new docs which now takes another 30 days for review. Also, my frustration lead me to contact FHA/HUD directly to see if they could be of assistance I have been dealing with XXXX XXXX ( XXXX who provide me ticket # ( XXXX ) and instructed me to send any documents directly to her and she'll forward to Freedom. I have since called back Freedom to file a formal complaint and inform them I will not be sending any more documents to them. I've also request a supervisor call me in this matter.

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 2023-04-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recently identified fraud on my Chase Amazon card, going all the way back to the beginning of XXXX. The fraudulent transactions were also made at amazon.com, so they blended into my regular amazon purchases. 

Because the fraudulent/unauthorized charges were made by a family member, Chase considers the charges legitimate/authorized and expects me to pay for them ... even though my credit card was stolen, and I didn't approve any of these transactions.

This is a clear violation of the Fair Credit Billing Act ( FCBA ) and fraud liability guarantee. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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 is missing that should be on the report

Complaint:
Equifax has recently deleted a XXXX credit card account without any notice or justification that I am listed on as an authorized user. The credit line is currently {$18000.00}. This is causing me a substantial hardship since the recent deletion has caused my Equifax score to be less than stellar.

Company response to consumer: Closed with explanation