BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems is reporting inaccurate information via XXXX XXXX XXXX  company. They started reporting this info back in XXXX of XXXX. Our family purchased and moved in our new home back on XX/XX/XXXX and at the time of moving I called into cancel services at the previous address in which they assured me the service would be transferred back to the original apartments/landlord 's name by XX/XX/XXXX. Since the account was a prepaid account I was only required to pay up until XX/XX/XXXX. 

Fast forward XXXX, I noticed this being reported as a derogatory item on all 3 credit bureaus. I have attempted to dispute this account twice and keep getting a " verified as accurate '' by the credit bureaus. In addition, the credit collection agency also is saying that the bill attached is accurate, however in reviewing the attachment sent it is billing me for services after moving into my new home from XX/XX/XXXX to XX/XX/XXXX. We were not living at this address during the time of the service period listed on the attachment sent. 

This information is inaccurate and should be deleted from all credit bureaus. I am requesting that all bureaus delete this item from my credit as it is inaccurate. In addition, I am requesting that Transworld Collection Agency cease reporting this against my credit file as it is inaccurate I do not owe XXXX XXXX  aka Transworld Systems it's inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IA
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:
I have a secured credit account eith XXXX XXXX XXXX. I always keep the set amount in the account. Infact my paycheck is deposited directly into it. They are reporting I owe {$4400.00} and it lowered my credit score. It is a checking account. I owe nothing.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing Im not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.

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 2020-03-11
Company: Rocket Mortgage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was contacted on XX/XX/2020 at XXXX XXXX by an individual named XXXX XXXX. He was calling from Quicken Loan to ask about a refinance of my current mortgage. He stated that the rates lowered and now would be a great time to refi. I asked what the current rate was and he said he was unable to provide this information without a credit check. I thought I was pretty clear when I stated that in XXXX the rates did not make sense to refi and I did not want another inquiry on my report. I gave him my approx credit score and asked if he could give me the details based on the info provided. 
He said yeas but would need to confirm some details ( birth date and social ) and could go to work on the numbers. He did not request permission again after being directly told I did not want him to pull credit. I have assumed that he was using the info I provided as requested. 


He then pulled my score without consent and then got back to me with the details. 

I filed a complaint and a quicken team member XXXX XXXX conducted an investegation. On XX/XX/2020 on XXXX he called to inform me reviewed the case and stated that he did note where the loan officer asked for permision and I stated I did not want a credit check but concluded I had " implied '' consent by calling quicken. I pointed out that I got an unsolicited phone call from quicken that that I did not call him. He then changed his story and said that I gave consent by providing personal detail such as social and birth date and that that implied consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: 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 section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 section 2 : it also states a consumer reporting agency can not furnish a account with 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 2022-12-22
Company: Experian Information Solutions Inc.
State: OH
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 the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX XXXX limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX usd. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had inquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward

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 2023-04-25
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: 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 XXXX Balance {$10000.00}.

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 explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to Equifax and disputed these accounts several times and they are insisting on not removing them. I have requested validation of these debts several times to support their supposed verification of the collections. I have not received any validation of these debts they are reporting against me. It is now very evident that Equifax is violating my rights and are not acting in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}

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 2019-05-24
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Sheffield Financial account is still charging me interest on an account that was closed on XX/XX/2015 with a voluntary surrender. The balance is still showing of XXXX. Every month they charge and increase the balance of that closed account and its affecting my credit score. I was forced to do a voluntary surrender because i was diagnosed of XXXX XXXX in XX/XX/2015. I am still on treatment. Please fix this problem and add it to my report the reasons of closing this account or loan. 
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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-20
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company on various accessions and have disputed this account numerous times. Ive asked them to validate this account to show the means of where it originated with no is full results returned back to me, and with nothing but vicious attacks on my credit file like this happening in return from them causing harm in the effect of not being approved for a refinance for my home due directly to their illegal tactics.I have submitted to them on occasions ample evidence that I have no recollection of this debt and am not responsible for it and they still maintain the position of neglectful sabotage on my credit file by changing the balance periodically by {$1.00} and the dates and nothing is ever the same that they report but the all of the CRAs let them keep getting away with it by the simple means of them just saying the company verified everything without actually doing anything or having to prove an actual thing on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Today on XX/XX/2019 i checked my credit report and my score went down 112 points due to fraudulent accounts being hosted on my credit profile that where previously deleted. i sent in proper documentation my police report and also my affidavit the credit bureau and the credit card company received the information but still continue to host the accounts on my report. I understand that the credit bureau is supposed to post 100 % accurate information on your credit profile but they continue to post these accounts anyway.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: AL
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:
The incorrect information pertains to XXXX. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and XXXX. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.

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 2022-12-22
Company: Avant Holding Company, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
As explained in numerous prior CFPB complaints against Avant, funds from approved loan in amount of {$6800.00} never received, appear to be deposited into incorrect account, which Avant tries to refer as fraudulent. It appears Avant is doing so in order to possibly recover funds via fraud claim for insurance purposes, however, I can not confirm this. Partial payments were made on loan, then ceased due to non-receipt and extortionate interest rate which if paid, would double loan amount in total, do not have terms available to provide exact amount ( s ) ... ..Avant replied to this issue by referring to prior communication made with them, which has nothing to do with non-receipt of funds. The account is now supposedly charged off to XXXX XXXX, in which case, they have not contacted me about account, have not sent me any notice. Previously, I offered to settle account with partial payments made, it appears Avant refuses to accept offer, in which case, no additional payments will be made. I've attempted to contact XXXX XXXX to prove information including non-receipt of funds, there appears to be no number or address for them, possibly internal collections for Avant ... As stated in prior complaints, I have been unable to confirm if account is still reported to credit bureaus, do not have credit file available. If reported, i request Avant remove account, if not, it will fall off after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 it a phone number do not belong to me. I contacted experian to let know I was aware of unknown phone number being added to my credit report

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 2022-12-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX ", XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 response to consumer: Closed with explanation