BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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: 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:
I have already sent several letters to the creditor asking them to remove the fraudulent information, and I also asked the credit bureaus ( XXXX, TransUnion, XXXX, XXXX XXXX ) to remove the information as well, but all have declined to do so. 

My consumer rights are being violated under, 15 U.S. Code & 6802 " obligations with respect to the disclosure of personal information. '' because they never gave me the option to opt out of reporting my personal information to a third party. 


On XXXX/XXXX/XXXX, I reached out to all parties to rectify the issues. 

U S DEPT OF ED/XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 1 LATE PAYMENT Balance details 34 % paid off Balance {$29000.00} Balance updated XX/XX/XXXX Original balance {$44000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card

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 2023-08-26
Company: EQUIFAX, INC.
State: UT
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 has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, XXXX has rejected my documents per an email received a couple of days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: EQUIFAX, INC.
State: CA
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 submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have four medical colloctions for XXXX Aargon Agency. Three bills was for XX/XX/XXXX and XX/XX/XXXX. I was on food stamps and was not working due to mental anf XXXX  XXXX pending decision by Social Security ; which finally got approval in XX/XX/XXXX. I also received another bill for a emergency room visit in XX/XX/XXXX. I was under XXXX at that time so it should have been paid. These are on my credit report and have a huge negative inpact on my score.

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: Experian Information Solutions Inc.
State: CA
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 submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-04-10
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I notified Credit Collection Services that absent any legally binding contract between myself and Credit Collection Services, I will not be forced to do business with them and to cease and desist any and all collection actions against me. I informed Credit Collection Services I would not be extorted. Also that reporting of negative accounts to the credit bureaus was a form of extortion and respectfully to get off my credit file. 

As recently as XX/XX/XXXX Credit Collection Services is still reporting and validating an account I do not owe them. At this point I am reaching out to report their illegal activities in preparation of further legal remedies to stop this abuse and harm to my financial status, as the reporting has damaged my fico score and cost me to become ineligible for funding, loans and credit. 

It has also resulted in me being charged extremely high interest rates on my vehicle loan. Credit Collection Services was placed on notice by myself more than 90 days ago to cease their illegal practices, Yet continues to ignore and disregard the severity of their atrocious actions. It has been close to 3 years to be exact! I have attached copies as proof to this communication in the form of my certified proof of mailings delivery receipt via USPS, the C & D letter, as well as a screenshot of the account being reported to the credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.

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 2019-05-10
Company: Ascendium Education Group
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a member of the armed forces that received XXXX XXXX order to a combat zone. XXXX was notified in writing and via phone along with my other two student loan companies of my XXXX and I requested a forbearance until my deferment became active due to financial difficulty ( exact dates and times can be released upon request along with all documentation ). The exact month that I left for combat I have a letter from XXXX stating I was eligible for the SCRA and additional benefits if I were in a war zone, which I was, as long as I sent my orders to them which I did. That same month XXXX sold my loan to ascendium education. Ascendium education has these loans in a defaulted status currently and did so at that time within two months of my XXXX. I was able to do research when I got back and I contacted them with no solution. I am in good standing with my other two student loans and have been who did place my loans on hold. I have researched and found out that part of one of the loans in good standing is owned by ascendium too. How can ascendium state that they didn't know anything? You can look in the national data base and see all of my loans and all of my information. You can also look into the military side of things. This is not hard. So they dropped the ball somewhere but want me, the service member to pay the outrageous interest rate prices that have accrued because they messed up. They violated the Servicemembers Civil Relief Act ( SCRA ) and did not defer some of my loans. They would not listen to me when I tried to explain even though it is in black and white when you look at my account in the department of education national data base. The collections department is constantly calling from different numbers. They call my cell phone, my work and then they are hanging up, threatening, threatening to garnish my wages. I believe this is not only harassment, a violation of ones rights and fraud, it is also a federal crime to a service members right to be protected from such actions. I have written proof. I have proof they were notified. I have proof that they own both of my student loans one in which was placed in deferment appropriately and is still in good standing. They have dropped the ball. All I have wanted was them to take all that outstanding interest off, consolidate and fix those loans, take off all those fraudulent reports on my credit so I can try to begin a more normal life again. They need to be held accountable for abusing the authority they have over individuals money and their credit. Thank you for your support in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has failed to provide me with adequate information to assist me in investigating the alleged debt of {$360.00}. I have also reached out to the company and provided them with enough time to provide me with debt validation.

They sent me a document that was seemingly manipulated ; consequently, I requested pages 1, 2, 4, 10 and 11 of what appears to be a Purchasing Power Agreement as evidenced by the attached letter and proof of delivery.

I am eagerly awaiting proof that this alleged debt is mine and has not been paid. Failing which, I implore Dyck O'Neal, to undue all negative action that it has taken thus far.

It is to be noted that this is not a duplicated complaint but this refusal to supply documentation to validate the alleged debt is contrary to the FDCPA. Furthermore, it appears that Dyck O'Neal has deliberately withheld material information relating to this case because pages 1, 2, 4, 10 and 11 were missing from the inadequate documentation they sent me through CFPB following my previous complaint ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: OK
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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 2018-02-13
Company: Eagle Recovery Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX my wife received a phone call from ( XXXX ) XXXX Eagle Recovery Associates , Inc. in regards to a couple of debts. The representative assigned to these debts badgered my wife and made insulting and demeaning comments to her which made her uncomfortable. These comments were in regards to her " needing the services but don't want to pay them '', making her feel horrible. The representative told her on the phone ( which all calls are logged ) that he has two debts for us, one totaling {$130.00} and one for {$40.00}. My wife requested the debt letters be  sent to us via mail. We received them both. When I called in on XX/XX/XXXX to confirm the amounts and pay them, I was then told the total was now {$760.00}. The same representative ( as he is assigned to our debt ) told me on XX/XX/XXXX there is another {$400.00} debt, which was never mentioned before nor was a letter ever received for it. He told me that he informed my wife on XX/XX/XXXX that  the total was {$760.00}. I am disputing the additional debt and now the entire total. I disputed the debt on the phone and requested to speak to his supervisor. When the supervisor got on the phone, he told me his name and that was it. He didn't tell me he was a debt collector until about 4-5 minutes into the call. I requested to have the call audio pulled from XX/XX/XXXX to verify if the representative was being honest with me and my wife. The supervisor decided to change the course of the conversation to " the total debt owed is ... '', " do you want to pay it now? ". The supervisor would NOT pull the audio for me to listen to. Instead he kept interrupting me when I was trying to explain why I wanted the audio pulled and said I was being condescending. The supervisor stated he was going to end the call and note the account as a " refusal to pay '' and recommend additional action to be taken. At the end of the phone call he said he is going to hang up. I stated to him " don't hang up if you would like to be paid ''. He then hung up.

Company response to consumer: Untimely response