BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Disputed inquiries on credit report and credit bureau responded without addressing my concerns. Sent a form letter explaining how inquiries on report, however verification nor deletion was done as requested. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX 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 explanation
Consumer complaint received 2023-11-28
Company: FIRST PORTFOLIO SERVICING INC
State: FL
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:
After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX total visa and a letter was sent on XX/XX/2023 requesting 3 items.I have not received any correspondence from this creditor to validate this account. I've also included a cease and desist in the letter but there have been no updates and the account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.I do not believe the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: PA
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, MY CREDIT REPORT CONTAINS INACCURATE INFORMATION. I HAVE ATTACHED THE FOLLOWING DOCUMENTS FOR FURTHER 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 2019-07-15
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Due to a lapse in employment, I was unable to pay this loan. After a phone call with the company on XX/XX/XXXX, I was under the impression that i would be able to make payments when I can over the phone. 

When I would try to talk to the company on the phone, i would be on hold for close to 1 hour. I have been hung up on multiple times with the company. I have sent multiple messages, to the company trying to make a payment arrangement and nothing would ever be set up. 

After filing a complaint with the XXXX XXXX XXXX I was able to speak to a XXXX XXXX who was able to complete a liquidation request for my account, to use the money lion connected liquidation account to pay off my loan balance. At that time, I was not told of a liquidation lien for the payoff. That payoff was processed XX/XX/XXXX. 

After trying in vain to reach Money Lion, with the XXXX account website coming back as a 404 error. and the atlassian.moneylion.com email also coming back as a 404 error, and being taken through numerous hoops to finish paying this account, I now have a 90 day late notice on my credit report with XXXX XXXX for a payment that was made XX/XX/XXXX. 

I was then told by a customer service person that a liquidation lien was placed on my account, which stays on the account for 60 days. That would lead this loan to being 120 days late, for a payoff that was already processed XX/XX/XXXX. They did not tell me about this lien, and I personally do not believe that they are telling the truth with respect to this liquidation lien. I believe that XXXX is a criminal company, and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were exposed to XXXX and were were forced to quarantine for 14 days in XXXX of XXXX, and then actually did get XXXX in XXXX of XXXX. We applied for mortgage forbearance in XX/XX/XXXX through the Cares Act and were approved for 60 days. When we were out of the forbearance period, I applied for reinstatement of normal mortgage payments with the two missed payments to be attached to the end of the loan. We have significant equity in our home that we have lived in for almost 8 years, and my husband and I both have excellent credit, so there was no reason this should not have been approved. The mortgage company, Lakeview Loan Servicing, instead created an entirely new loan for us with the same interest rate, but of course a new amortization schedule, which will cost us XXXX  of dollars in the long-run due to more of our payments going to interest versus principal for the next several years. The customer service rep I spoke to said that this is the only option for VA loans. This is ridiculous and was never explained to us when we applied for forbearance. This is a very sad situation that this mortgage company would treat military veterans this way, and the worst part is that most people would not realize the financial impact the new amortization schedule has and would have no idea that this was a bad thing. In my opinion, this is an unfair business practice and the company should be investigated as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MO
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 is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} AXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Diverse Funding Associates LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report ( XXXX ) and saw an account by a company calling themselves DNF Associates LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to DNF, their parent company Diverse Funding Associates LLC, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

DNF Associates, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit DNFNotice91721 and related documents ) The packet ( attached ) was sent to DNF Associates and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Tate and Kirlin Assoc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe {$3100.00} for XXXX XXXX XXXX. Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification. 

Second Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe $ XXXX for XXXX XXXX XXXX  XXXX Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called Transunion and XXXX to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.

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 2023-02-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX  has been reporting on my XXXX and XXXX account after they had agreed to delete the account as it was paid in full almost 5 years ago the statute of limitation in the state of Florida is five years we moved out and paid our last month 's bill. They have never updated us or given us proof we owed this account and continue to report this even though we dont owe it and it has reached its limitation they also agreed to delete this over 4 years ago when i spoke with customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX - Account is involved in litigation. This account is being disputed for the reason previously stated.

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 2023-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies XXXXXXXX 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 These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT

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 2022-04-10
Company: Experian Information Solutions Inc.
State: CA
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  Account XXXX XXXX XXXX Original creditor : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!

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 2019-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received results of an investigation from Equifax on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( Equifax, XXXX, and XXXX  ) fail to do their job in deleting the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency XXXX 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 XXXX years. 
15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on Trans Union, But XXXX  only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you

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 2023-01-06
Company: NCB Management Services Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Ncb Management Services has reopened this account on my all 3 credit reports without my consent or permission or my signature on the original contract they have. It has been on my credit report for over 7 years and has not come off. The account is closed and reported as derogatory 120 days on my credit report and I continue to get denied when I apply for things. The balance reporting are not the same across all 3 bureaus one reports XXXX balance and other report {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A purchase an RV from SST and after a month of having the unit my husband had XXXX XXXX. I call them Immediately and told them I would like to volunteer surrender the unit. It took them 5 months to finally pick the unit Up. They sold the unit at an auction and then I had a remaining balance they wrote it off and turned it over to a collection agency I called the collection agency to try to set some kind of small payment To pay them. They would not accept any payment from Me. They said I would have to pay the whole balance which was {$15000.00}. I am on XXXX and do not have {$15000.00} in my account in they refused to take Any kind of payment from me. So now they report every month my payment is Late and add interest to it. Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CCS Financial Services, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Collections Services sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX is reporting balances to Experian although my accounts were transferred to XXXX. I submitted multiple disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in Experian stating XXXX verified the debt therefore it can not be removed. I submitted another dispute with Experian today, XX/XX/XXXX. 

My Experian report reported duplicate balances from XXXX and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from XXXX have been removed except one for {$2400.00} and one for {$2100.00}. These also show for XXXX. 

Additionally, I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with XXXX stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith XXXX will actually resolve the issue since they have were notified of this issue in early 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