BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Freedom Mortgage on XX/XX/XXXX. I did not receive the notification by mail informing me of this. Additionally, my loan has always been on autodraft, and they removed my loan from autodraft without telling me. Their notification of delinquent payment was delivered to my neighbor who was gone for 2 months. He returned this notice on XX/XX/XXXX. I paid all outstanding payments on XX/XX/XXXX. When I called to discuss this issue the first person i spoke to said my credit score wouldn't be impacted. I spoke to a second person and they informed me that the post office delivering to the wrong address wasn't their issue and that they would be notifying the credit bureaus. 

I have never missed a loan payment in my life. I setup my loans on autopay on all my payments because of my travel and work schedule. In my entire time of having this loan, the purchase/sale of my mortgage has never resulted in auotdraft being removed. 

The loan is current. I do not want my credit score impacted by poor behvior from Freedom Mortgage or delivery errors by the post office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: 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, 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 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 2020-12-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
WRONG NAMES AND PREVIOUS NAMES AND PREVIOUS ADDRESSES NEED ATTENTION LETTER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: MS
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-05-04
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am dissatisfied with XXXX XXXX XXXX XXXX. Last year in 2020, I was affected by the pandemic, I had never had no late payments on my auto loan. In XXXX of 2020, I made a payment before the 30 day mark, XXXX of 2020, I made my other payment. When XXXX comes I log into my portal and see that I owed XXXX car payments I was puzzled. I called into XXXX and spoke with several representatives, and they told me the payment had cleared my bank. I called back again, and XXXX manager I spoke with I gave her the names of the other managers and their departments she said none of them work there. And she said my payment was returned because my bank rejected it. I was trying to work and maintain my credit so that I could get a home for my brother and I, he has been battling a lot of XXXX issues and slowly overcoming them. I take care of him, and their is only XXXX income in my home. The representative was rude and said it was my fault my bank rejected the payment. Eventually after going back and forth with XXXX I called my bank and they said that XXXX tried to take the XXXX payment days after in XXXX on the XXXX, XXXX, and XXXX. I tried to call XXXX because on their website it says they will work with XXXX who have suffered during these difficult economic times we are living in due to the pandemic, XXXX representative just said go borrow the money from a family me member. Long story short I have called, and wrote XXXX to try and get my late payment removed as of a result of a goodwill adjustment and they still refuse, and the sad thing is many people see my car and love it. They inquire about it and Im reluctant to refer them to XXXX even though most of the times I still do. This was the only time that I had ever been 30 days late. It was just crazy because of the things the different reps said, its a pandemic, and the fact that I didnt find out about the payment until XXXX so they gave me a derogatory remark for XXXX and not XXXX and still refuse to remove my alleged late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-10
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC  id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
AllianceOne sent me a notice dated XX/XX/2023 on paper with the letterhead " Superior Court XXXX XXXX XXXX XXXX XXXX XXXX '' ( " Court '' ) stating " YOU HAVE FAILED TO APPEAR IN COURT OR TO PAY YOUR COURT ORDERED FINES/FEES. '' Capitals in original. It then outlines that a civil penalty of {$100.00} " has been imposed '' and instructs me on what to do. 
The problem I'm having is that : ( 1 ) the case number the notice references can not be found on the Court 's actual website; and ( 2 ) AllianceOne appears in numerous consumer complaints of fraud. Having read online that AllianceOne will get a consumer 's phone number and keep calling it from various phone numbers -- so that one can not effectively block them from calling it -- I do not want to call AllianceOne. 
In addition, the notice doesn't indicate what the specific debt I allegedly owe is. 
Finally, this notice, claiming that " YOUR ACCOUNT IS DELINQUENT '' and " IMMEDIATE ACTION IS REQUIRED '', is the only communication AllianceOne has sent me. 
Based on the above, the notice appears to be a scam. 
Thanks for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was sold. I had the same debt with another debt collector, and it was deleted and was sold to this collector. This is also against HIPAA violation of confidentiality by this being a medical debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX  XXXX Balance : {$9100.00}.

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 non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. ACCORDING TO FCRA RULES INFORMATION MUST BE BLOCKED WITHIN 4 DAYS. ITEMS ARE APPEARING ON MY CREDIT REPORT THAT I NEVER APPLIED FOR. IT IS THE DUTY OF CREDIT BUREAUS TO REPORT ACCURATE INFORMATION. THEY DELETE THE INACCURATE INFORMATION THEN ADD IT BACK ON. I HAVE BEING GOING BACK AND FORTH FOR MONTHS.

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 2023-05-25
Company: ProCollect, Inc.
State: IL
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:
My name is XXXX XXXX and I'm a consumer submitting this complaint on behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. PROCOLLECT INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by PROCOLLECT INC. Please be advised that providing a memorandum or other statement from your agency, stating that PROCOLLECT INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have the trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm XXXX XXXX, and I value you setting aside some margin to update a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
northwest financial called me stating I owed over {$7000.00}. I asked for what and to who, was told they didn't have that information. then asked how I was going to take care of it. asked my wife to call and see if she could find out what it was and they told her it was an account that was on a previous name of hers and stautes of limitations was up on it, but when I asked they just said I recieved a letter on it and I owed it. 1. it's not my debt 2 staute of limitations was up and they try to deceive me into admit I owed it.3. should of never called me. I don't remember excatefate, but I do know they I was in a drive though line. there is supposed to be a recording of the call that needs reviewed. I have also been told I owe other accounts, but have had to get my A.G to get a list of those and still don't have the amounts that I supposedly owe after asking though my AG multiple times. just was told it was other account with no amounts. how many other people have they done this to?

Company response to consumer: Closed with explanation