BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account one month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.

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 2023-02-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX XXXX, I received notice that some information changed on my credit report from XXXX and XXXX. I immediately contacted XXXX, to see what happened or what was being reported. What is falsely being reported was a new collection account from a business entity as follows : Fair Collections & Outsourcing, AKA ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Further, the credit report indicated that account was last updated on XX/XX/XXXX in the amount of ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. Next, upon review of all three major credit agencies XXXX, XXXX, and XXXX ; I could see this collection account on all three bureaus dated XXXX XXXX. After a little due diligence I was able to locate the phone number for Fair Collections & Outsourcing. I phoned the company at ( XXXX ), and ask to speak to the person in-charge ; I was transferred to XXXX XXXX XXXX This party wouldn't allow me to speak so I just listen to XXXX XXXX, explain to me that this was an attempt to collect a debt and he needed to confirm some information. I told XXXX XXXX, that my rights was being violated under the Fair Credit Reporting Act 15 U.S.C. 1681 a ( f ). I informed XXXX XXXX, that having not made any contact with me directly via us mail, digital or by phone prior to placing this collection on my personal credit ; was a clear violation of the law, and I would be filing a complaint with CFBP and contacting an Attorney, further I stated that Fair Collections & Outsourcing, had to wrong party. XXXX XXXX, said I didn't know what I was talking about and I could do whatever I liked and then hung up. Next, I phoned back got XXXX XXXX, again and Informed him that not only was Fair Collections & Outsourcing, violating my rights but additionally, I wanted to know who was the original client and he refused to answer. Finally, later that evening on XXXX XXXX, a letter arrived at my residence from Fair Collections & Outsourcing, dated XX/XX/XXXX, although the letter was backdated it didn't arrive to me until XX/XX/XXXX. This letter was an " Offer To Satisfy For 20 % ) for a total of $ XXXX. The letter had the correct address but did not bear my correct legal name. I'm filing this complaint today and contacting an Attorney, to have this matter removed immediately from XXXX, XXXX, and XXXX. Fair Collections & Outsourcing ( XXXX ) has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit files first and then mailed a letter. Next, the first contact on this collection ; is me contacting their company. The letter or so called first point of contact is additionally, further violates the FDCPA, in that its a settlement offer ; and does not inform me of my legal rights as required under the law.

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 2023-01-12
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
My co-signer and myself went to purchase a vehicle with XXXX XXXX  XXXX XXXX XXXX a little over XXXX year ago. The vehicle was not cleaned before taking it for a test drive, and before we signed our names on the contract I specifically asked if GAP COVERAGE was included, and I was told yes. I also asked if we had an option of the pay frequency, we were told that it could be worked out with XXXX. A XXXX months ago we were struck by a drunk driver totaling the vehicle, after my insurance company paid the settlement they offered. We were told through the lien holder ( XXXX XXXX ) that gap coverage was never added to our contract. To make it worse, I never received a title ( I had to purchase and expedited a copy ), and we were pressured into adding a positive review on XXXX before they let us leave and drive off of the lot with the car! Now that I am trying to discuss and work out something with XXXX XXXX, I keep getting transferred, disconnected, or no one can provide straight-forward answers to my questions unless it's in regards to how I intend to pay.

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 2023-01-18
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with the HAF program of Michigan ( MIHAF ) and am conditionally approved for assistance. The condition is that I coordinate the handling of the additional reinstatement balance of my loan that is beyond what the MIHAF program provides. 

I have applied for a loan modification with my provider ( Specialized Loan Servicing - Loan # XXXX ) but they are refusing to provide a modification option. Additionally, I was informed SLS would not consider the assistance from the MIHAF program in their loan modification review and based the calculation on the full reinstatement balance instead of the reinstatement balance less the MIHAF assistance.

SLS informed me that they received information from MIHAF on XX/XX/23 stating that MIHAF does not provide funds for loan modification assistance and would only provide funds for reinstatement assistance specifically. As a result, SLS is telling me that I must pay the remaining reinstatement balance in full, or that my only other options are to sell the property or deal with foreclosure. 

I spoke with my contact at MIHAF today and they assured me MIHAF does provide funds towards loan modifications.

It seems to me that SLS is unwilling to facilitate the MIHAF assistance, loan modification, and reinstatement due to the fact that the interest rate on my mortgage is below the current market rate.

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 2023-02-08
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:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with Equifax. checking my file is alot of invalid data that is hindering my file. please update and remove the information requested all files are submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and correct it immediately in my report : 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 2023-02-22
Company: EQUIFAX, INC.
State: CT
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:
Equifax shows an account in collections for {$360.00} yet the report reads, Creditor Contact : Not Available, Original : Not Available. This is a violation of my consumer rights not to have the contact information available on my report. I pulled my credit report today and it reads the same information. I wrote Equifax a letter on XX/XX/XXXX and received no response. I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX stating Equifax verified the account as accurate. This does not make sense. No action has been taken as the inaccurate information is still on display.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: W&A Intermediate Co., LLC
State: IL
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 recieved demand for debt with a deadline to respond from Wakefield Associates, LLC. When I called number listed in the letter, operator demanded personal financial informantion and would not provide any information about who they where or why they were claiming debt. 

I responded with a written request for originator of debt. Five months later I recieved a letter with name of another debt collector and no other information. 

I believe this to be a scam. The phone operator was curt and demanding. She indirectly threatened me in attempt to obtain financial information. I did a XXXX search on the debt collector and recieved several cites about scams. All links to company led to series of names of companies with no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: IL
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 HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3900.00}

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 2023-02-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$390.00}

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 2023-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and fix them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
In accordance with fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681 US Bankruptcy court ID # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX bank # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my right. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy.

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not reporting 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 items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-09
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: Their investigation did not fix an error on your report

Complaint:
This request is to notify you about the accounts in my credit report which another credit reporting agency found to be inaccurate and had already updated. Due to your lack of response, or a response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. The following accounts are listed : XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}

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