BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Notified by XXXX XXXX that Transunion allowed 3 unauthorized credit agencies to access my report without legal authorization and my consent. Call Trans Union to let them know what was going on and the representative XXXX who states that hes a supervisor in special handling told me that there is no inquiries for the three places that credit wise is telling me that Trans Union allowed these particular people to pull my credit report. I am including a copy. Refuse to investigate which is a violation of FCRA. 

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 2023-08-05
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: GA
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 received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX  INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My complaint is against Velocity Investment LLC ( Debt Collection Agency ), that I was paying on two loans that I had got behind from the original lenders : ( XXXX XXXX / XXXX XXXX XXXX ), due to the lose of income. Velocity Investment LLC deliberately sent false statements to these three other Debt Collection Agencies : 1. XXXX XXXX XXXX. 
2.XXXX XXXX XXXX XXXX XXXX XXXX 
3. XXXX XXXX XXXX , XXXX. 
Stated that they ( Velocity Investment LLC ), had ONLY received the last payment in the amount of {$30.00} dollars on XX/XX/XXXX ( XX/XX/XXXX ), when they had been receiving payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX payments ). After receiving these letters and numerous harassing phone calls in XX/XX/XXXX ( and continue phone calls now from XXXX XXXX XXXX , XXXX, XXXX XXXX ). On XX/XX/XXXX, I had called Velocity Investments LLC, and spoke to the Office Manager, Ms. XXXX about this matter and ask her why did they send a false statement to other Debt Collection Agencies, and stated that your company had ONLY received the last payment in the amount of {$30.00} dollars as of XX/XX/XXXX, when you where still receiving payments, as of XX/XX/XXXX - XX/XX/XXXX. Ms. XXXX stated to me in a very rude and disrespectful way that she could no longer talk to me about my account, because it was turned over to other Debt Collection Agencies, She said, " You call them, '' and I don`t have anything else to say to you. After not giving me any reason of why this took place, Therefore, I had filed a complaint against Velocity Investment LLC with  the XXXX XXXX XXXX in my city ( XXXX, FL ), on XX/XX/XXXX, But they stated to me, that this case was out of their district and refer me to your company ( Consumer Financial Protection Bureau ), to see what type of help that I can get in this very stressful situation.

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 2023-09-11
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by XXXX XXXX, almost a year later after I paid the money XXXX XXXX sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: MD
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 credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Marauder Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re XXXX I attached the debt verification letter that was sent by my request. I highlighted the name addressed on the doc. That's my maiden name, I have not used my maiden name since XXXX, the statement is for services for XXXX. The name that would of been provided would of matched my insurance card and drivers license with my correct last name. I also attached a pdf of my XXXX insurance card with ID # I've had since XXXX. The document provided has inaccuracies as well as missing insurance information that I would have had at the time of services if this debt was mine. The letter states medical information that violates the HIPPA Act. I never signed a HIPAA form to authorize you to have access to the information.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-09
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:
My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # XXXX 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 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 2023-02-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, 2023 : I received a debt collection letter from ABILITY RECOVERY SERVICES and XXXX XXXX XXXX XXXX. 

XXXX XXXX, 2023 : I mailed a letter to ABILITY RECOVERY SERVICES, XXXX XXXX XXXX XXXX, disputing the debt and denying that I owe it to XXXX XXXX XXXX. Also in this letter, I demanded that ABILITY RECOVERY SERVICESXXXX XXXX verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed. 
2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges. 

My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the 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 2023-08-21
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have incorrect addresses on my report. My experian report shows the address XXXX XXXX XXXX XXXX XXXX XXXX  ca XXXX, i do not live here and never did.

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 2019-11-20
Company: HW Holding, Inc
State: CO
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:
I have attached the email correspondence between me and the Property Manager ( XXXX XXXX XXXX XXXX ),  which will reveal my case/complaint. I am facing a severe financial hardship and living with my relative as I am unable to get an apartment because the Hunter Warfield Collection Agency has reported the debt to XXXX, XXXX XXXX etc. The Landlord wants to collect $ XXXX, based upon false allegations. 
For sake of XXXX, please help me. I was jobless since XX/XX/2019 till end of XX/XX/2019. 
I request you to please help me to get rid of this unnecessary burden. I have contacted the Property Manager to resolve this issue but she asked me to contact the collection agency. I have have contacted the Agency,  an agent by name XXXX XXXX  replied, she was very rude to me and was not ready to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.

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 2021-02-18
Company: AES/PHEAA
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my XXXX, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date XX/XX/2021 check in the amount of {$1000.00} debited from my account as a mortgage payment for the XX/XX/2021 payment to XXXX XXXX. Date XX/XX/2021 a Visa Credit Card Payment in the amount of {$1000.00} was debited to my Visa  on XX/XX/2021 for the XX/XX/2021 payment to XXXX XXXX. My mortgage was sold to CMC Loan Services and I did not receive one of the loan payments listed above. I have called CMC loan Services four times and have not been able to make any progress in resolving the matter. I keep getting asked to submit proof of payments which I have done three times since XXXX and they will not open a ticket number or start a resolution process. CMC Loan Services keeps stating I have not submitted the required forms, even though I read the auto responses I have received from my submission. Operators refuse to get a supervisor for me to speak to and say there is not timeline to resolve.

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 2022-05-02
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 XXXX XXXX XXXX account # 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent. 

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.

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 2023-08-05
Company: EQUIFAX, INC.
State: MI
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:
Dispute of Time-Barred Account on Credit Report I am dispute the presence of an account from XXXX  XXXX on my Equifax credit report. The account alleges an opening date of XX/XX/2016. I request that this account be immediately removed from my credit report due to the expiration of the seven-year reporting period. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

While no specific day in XX/XX/2016 has been provided, as of today 's date, the account has been reporting for a period of seven years and five days. This exceeds the permissible reporting period of seven years, and therefore, this account should no longer be reported on my credit file.

Under the FCRA, I have the right to dispute inaccurate information on my credit report and the right to have that information removed if it can not be verified. I assert that this account is inaccurate and does not belong to me. I have never had any financial relationship with XXXX XXXX, and I have never opened an account with them. The presence of this account on my Equifax credit report is both misleading and damaging to my creditworthiness. 

I demand that Equifax promptly investigate this matter and remove the XXXX XXXX account from my credit report within four days of receiving this notice. Failure to comply with this request would be a violation of my rights under the FCRA, and I may have no choice but to seek legal remedies to protect my rights and seek damages.

I have enclosed copies of supporting documentation, including [ list any supporting documents such as letters, statements, or identity verification documents ]. I request that you review these documents as part of your investigation.

Furthermore, I request that you provide me with written confirmation of the removal of the disputed account from my Equifax credit report. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the account. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly and in compliance with the FCRA.

Company response to consumer: Closed with explanation