BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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: 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 confidentially 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 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 All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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- ( 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 explanation
Consumer complaint received 2023-07-25
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:
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.

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 c
onsumer 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 2021-08-22
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
It all started with a credit repair agency by the name of XXXX. They were supposed to settle with several creditors. In the end they only settled with two. I was told by them that they had found a company that would pay off all the creditors that they were unable to settle with. The next thing I know it was Cash Call that supposedly paid off {$18000.00} to creditors. I did not owe that much. The payments were so high and me and my family are struggling. I called and spoke to a representative and explained my situation. The original pay was for $ XXXX, and now it's {$400.00}, like that is some help. I explained that I was on a new job making less money. I will be paying this amount until 2025. 
All the creditors that was supposed to be paid went into charge-offs. I can't understand if that is the case what am I paying Cash Call for other than a mean nasty deal that got. I have read that XXXX and Cash Call are in the same building in XXXX XXXX, CA. I feel I'm being preyed upon by this lender. I don't think they will free me from this ill-gotten loan on their part. Thanks for any advice or help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter 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 explanation
Consumer complaint received 2018-10-30
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from Law Offices of Timothy M. Sullivan # XXXXXXXX.I have never done business with this company. I had previously disputed this account as it was under dispute for fraudulent fee and breach of contract I have also file a complaint with the Attorney Generals Office for misrepresentation. I have never done business with HS Financial Group , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Timothy M. Sullivan Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Timothy M. Sullivan Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2023-05-10
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all false inquiries from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer. In addition to that, I have already sent a letter to the creditor asking them to reverse these late payments. They havent abided by what I requested and they also violated my consumer law because they never gave me the option to opt out from reporting this information to a 3rd party. 15 U.S.C. 
XXXX B Obligations with respect to disclosures of personal information. Creditor : XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XX/XX/2022- Please update to paid on time! Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XXXX and XXXX XXXX XXXX XXXX Please update to paid on time!

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 2022-07-06
Company: Experian Information Solutions Inc.
State: ID
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, Also known as XXXX XXXX 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. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 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 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 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 2018-10-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX and I am writing to lodge a formal complaint against Procollect Collection agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe.

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 2023-08-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have a XXXX XXXX Credit Card ( Synchrony XXXX ) that ends in XXXX. I am writing you today requesting support in resolving XXXX issues and concerns. 
The first concern and issue is that I have not been issued a refund ( {$240.00} ) to my credit card. A refund from XXXX ( XXXX # XXXX ) was issued on XX/XX/23 and cleared on XX/XX/23. When I contacted the XXXX XXXX number, the customer service operator advised me that a refund had not been processed and that I would need to contact XXXX for further assistance. I contacted XXXX, and they supplied me with some supporting documents and information that support my claim that I did return some items and that I was owed a refund. XXXX went above and beyond and supplied me with screenshots showing how the transaction was refunded. 
My second concern and issue is that I was charged twice for only XXXX item I purchased. I was charged {$77.00} XXXX for order # XXXX. When I first called XXXX, the customer service operator advised me that the sales associate at XXXX billed me twice by mistake and that I needed to contact them for a refund. I advised the operator that the information they provided me was false because I did not go into a storefront ; I placed this order myself on a website, and the invoice reflects only XXXX item purchased. 
I contacted XXXX again for support, and they confirmed that they only billed me for XXXX item on XXXX order that was charged to my XXXX XXXX Credit card, {$77.00}.

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 monetary relief
Consumer complaint received 2022-05-17
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2023-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS, INC refuses to provide sufficient proof of the debt in which they state is owed for mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) Under complaint XXXX SPS states they are unable to provide an amortization schedule. SPS, Inc also states that they provided transaction history from the previous serviced XXXX XXXX. The documents enclosed by SPS, Inc from XXXX XXXX XXXX under complaint response XXXX do not detail the terms of the modification, nor a breakdown of how the modification accounting was determined. No amortization schedule was enclosed with the mortgage loan modifictions. Under the Fair Credit Reporting Act, the debtor shall provide sufficient evidence that the debt is owed by validation as well as a full accounting of debt to justify the amount the debtor claims is owed by debtee. 
All of the mortgage services before SPS, Inc and including SPS, Inc are in violation of The Truth in Lending Act ( TILA ) of 1968 -It requires disclosures about the terms and cost of loans to standardize how borrowing costs are calculated and disclosed.

All services are also in violation of US Code 1681-1681y section 623 ( a ) ( 2 ) of the federal fair credit reporting act.

SPS, Inc is in violation of Fair Credit Reporting Act 15 USC 1681s-2 section 623 ( a ) ( 2 ).

All information provided by SPS Inc regarding the mortgage loan XXXX is based on insufficient evidence. The amount in which the debtor states is owed has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: PA
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 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CT
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:
Here is a draft formal complaint to the CFPB requesting FTC involvement against XXXX XXXXXXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by XXXX XXXX and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my XXXX XXXX credit card account. Despite having notice of this activity, XXXX XXXX continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against XXXX XXXX outlining violations of 18 U.S.C. 3571, 153, 372, 1001, 1005, 1962, 648, 712 and 15 U.S.C. 1681d, 1681n. See attached Supreme Court of Connecticut Docket No. XXXX. XXXX XXXX was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

XXXX XXXX is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into XXXX XXXX regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. XXXX XXXX must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. XXXX XXXX must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX XXXX RIGHTS RESERVED Without recourse

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