BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Amerassist on XX/XX/2020 by certified mail requesting they give verification of the debt and that I had given authority for them to have my information from the medical provider. They received my notice of request on that date at XXXX XXXX  via certified number XXXX. To this very day I have not received anything from them yet they are continuing to make collection attempts, even reporting this information to the credit reporting agencies which is damaging my credit. Not only that despite having received my request, they continue to update this information monthly and did not notate the account as being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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.

The letters are stated with items and issues.

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 2022-05-13
Company: Resurgent Capital Services L.P.
State: NV
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:
There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 


XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Amount : {$400.00} Date Open : XX/XX/2017 XXXX. LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Amount : {$490.00} Date Open : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX  XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being garnished by Pioneer Credit Recovery XXXX, NY. They represent XXXX XXXX XXXX XXXX, The notice of Garnishment was sent to my old address. They started garnishment XX/XX/XXXX to my employer. I was told that they would not take my tax return as they have done in previous years since I was being Garnished. I was also told that if I put a payment plan in pace that the garnishment would stop in XX/XX/XXXX. Now they say XX/XX/XXXX. The number they refer me back to is un -manned and even before the Covid outbreak. I called at least 20 times and never could speak to anyone or leave a message that was returned and it has been 4 months. I think that my tax return should be refunded by Illinois XXXX XXXX as they took my take return with a garnishment in place as I was told. to me as I am being garnished and have a hardship payment plan in conjunction as I was told. Now XXXX knows what I should do and they say they can not help me. It is what it is. I gave permission to my mother who works is the industry and they told her the same untruth.I have XXXX small children and they have rendered me indigent, I was also told that there was no way to file a motion to ask the judge fofr a lesser payment. Now I am going to hardly working and I can not support myself and my kids.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them to remove them I have contacted the bureau about when will they remove the info that was requested to be removed and all 3 bureaus told me that the removal of account or account info is not done on there end so I contacted XXXX XXXX XXXX and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be 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 2020-06-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold to Lakeview Loancare, XXXX. XXXX XXXX, XXXX  XXXX, VA XXXX. In XXXX I declared Bankruptcy but I reaffirmed the mortgage debt and never missed a payment. I have the bank records to show I paid the mortgage every month and Lakeview received and cashed the checks. Still they did not record the payments and showed a overview debt of {$840.00}. I called them but never could get an answer as to why they did not credit my payments. Then I was told they had a special dept. to check into payments so I mailed them copies of the checks from the month they claimed were missed. I also emailed copies of the bank statements which noone ever acknowledged either the payments or receipt of the bank statements.Also this company was not sending bills on a regular basis and since I could not speak to anyone there was confusion as to due date. This was long before covid made all companies unreachable and every month no matter what I paid no payment was ever acknowledged nor could I ever get a person to speak to. It was an automated answer which told you to call another no. which was an automated answer for a case worker who altho I left messages and my name and number never answered me in almost two years. I finally called XXXX XXXX firm in XXXX and We tried to reach them by phone with both of us on the line but could not reach a living person only recorded messages. The only way XXXX. XXXX could reach them was by getting in touch with a lawyer who represented them at one time. He said the date due was the XXXX but it had originally had been on the first and there is no way to know when they changed the date. Since them I have still paid every month and I have asked to have the due date changed to the XXXX XXXX of the month. But I have received no acknowledgement of payments made. I sent in two checks for {$600.00} each month for XXXX and XXXX and {$420.00} for XXXX. My payment is {$390.00} a month but there is no credit shown for those payments altho they cashed the checks and I have paid every single month since and including XX/XX/XXXX. Every bill shows XXXX. By refusing to credit my payments this company makes sure I can not refinance my loan and I am stick with their refusal to credit my payments. They also damage the credit I am trying so hard to reestablish since my bankruptcy. This company has not shown good faith in dealing with me and it is over 2 years that they've been refusing to acknowledge my payment. I believe they are attempting to put me in a position that they can forclose on my condo. Covid or not they have no business handling mortgages.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2022-05-13
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: The B & F Corporation d/b/a OK Loan Service
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2020 I paid off my loan in full. 
On XXXX XXXX, 2020, I called to renew the lease based off of my receipt header and the manager said that she was told by home office to deny my loan renewal because of their other loan offices.

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 2023-06-12
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: Account status incorrect

Complaint:
Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all 3 credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the Federal Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.

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 2023-06-12
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: Account status incorrect

Complaint:
Credit Reports for collection of delinquent child  support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all 3 credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the Federal Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sent fedloan the below email on XX/XX/XXXX to check on my PSLF certification submitted in XXXX. Payments did not look correct, so I had two specific questions. But the agent who responded did not answer either of them, and I keep asking for a response to no avail. I have been waiting 17 days for a response. 

Here is the email with my specific questions about XXXX counts : I recently received your notice about PSLF Qualifying Payments update, but it seems incorrect. Can you review? 

Specifically, I see that I am only given credit for 51 months of qualifying payments, but the number should be closer to XXXX months. I've been employed by a qualifying employer and enrolled in XXXX since XX/XX/XXXX. Do the {$0.00} payments during Covid count toward forgiveness? My qualifying months should include every month since XX/XX/XXXX, through the date the form was signed in XX/XX/XXXX. 
This is the case for virtually all of the loans on account # XXXX, loan XXXX. 

Additionally, I recently consolidated some stafford loans into a direct loan. They're currently showing 0 months qualifying. Can/will that be updated? Under the temporary expanded criteria, past payments should count towards forgiveness. 
This is for loan numbers XXXX and XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
add : XXXX XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to log into XXXX XXXX to see all three fico scores and they told me TRANSUNION HAS INCORRECT ADDRESS INFO. I try to log into Transunion giving my current address and Transunion says I can not log in due to incorrect address. Transunion has my correct address. Both Transunion and many other online credit services are telling me there is an address problem. So I created a new account with Transunion was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is E NOT G

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 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with Capital One in XXXX 2020. There were multiple charges on my account that I did not make. When I became aware of these charges I called Capital One and I explained to them that I did not make the charges. Capital One investigated for XXXX month and then they reversed the charges and put the money back in my account. Today XX/XX/XXXX I tried to make a purchase with my credit card and it was denied only for me to learn that they have reversed the charges. I called Capital One and spoke to XXXX who identified himself as the manager of the fraud department his ID # is XXXX. He explained that the reason that it was reversed was because I did not mention that the card was in my possession at the time even though I did because I mentioned to the representative the first time that my card was lost/stolen. XXXX told me that I have to go and now get a police report and not once has Capital One communicated any of this information with me. The dates and amounts for these transactions are as follows : XXXX2020-XXXX2020 {$410.00} {$330.00} {$310.00} {$110.00} {$46.00} {$38.00} {$31.00} {$29.00} {$17.00}

Company response to consumer: Closed with explanation