BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX  XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-11
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: Was not notified of investigation status or results

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 5TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Regional Acceptance failed to send me notice of the " insertion of negative information being submitted to the credit bureaus '' I sent a letter to Corporate making them aware that they violated FCRA 623 ( a ) ( 7 ) Negative Information / ( A ) Notice To Consumer -- ( B ) Time Frame Instead of acknowledging the intent of the letter which was pointing out the above law, they chose to take the letter as if I was disputing the " PAYMENT HISTORY '' I was NOT! This complaint would be a duplicate complaint if I was disputing the payment history. 

I called today XX/XX/2017 and management asked what law was I claiming they violated, he stated that it was a note in the monthly statement ( XX/XX/XXXX ), which do n't clearly speak about inserting negative information to the credit bureaus. Regional Acceptance was Obligated to send me a separate notice notifying me of negative information being submitted to the bureaus and failed to do so. The XX/XX/XXXX statement the manager mentioned was irrelevant, because by XX/XX/XXXX the negative mark had already been reported ; the statement notice " threatens that action would be taken '' It had already happened. 

This is not a dispute, I 've been deceived by this company into taking extensions without properly explaining repayment which is what played a part in putting me behind, and my rights were violated according to FCRA 623 ( a ) ( 7 ) Section A and Section B. 

ALSO UNDER FACTA LAWS, REGIONAL IS REQUIRED TO FURNISH ME WITH DOCUMENTATION REGARDING INFORMATION BEING REPORTED TO THE CREDIT BUREAUS. I CALLED XX/XX/2017 TO EXERCISE MY RIGHTS UNDER FCRA 623 ( a ) ( 8 ) The manager never got on the phone to speak with me. Sent messages through reps. 

DELETE THIS 1 LATE PAYMENT FROM MY CREDIT REPORTS ASAP

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 2022-12-14
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:
The Fair Credit Reporting Act shows violations by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts violate the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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. 

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report these accounts. The following accounts are being reported in error. Please delete the above accounts ASAP.

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 2021-04-29
Company: Santander Consumer USA Holdings Inc.
State: AR
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 reviewed a copy of my credit report and I see that there is collection item listed that I am not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon attempting to obtain a mortgage, I discovered a collections account from Credit Collection Services for a XXXX bill of {$360.00}. When I called to discuss the matter and told them the charges were a result of identity theft, they gave me the process to dispute with them. 
I was provided a different address the bill supposedly originated from each time. Neither of which I ever had XXXX at. I was told to file a police report and an identity theft report and upload them to their website. 
I was instructed to use the address in XXXX, MO. I did as requested. When I called again, I was told I needed to upload my ID-which I did. On another call I was told I needed to upload proof of the address the debt occurred at but this time that the address was one in XXXX, AZ. I can not get a straight answer and several times have offered to just pay the bill so they would delete the inaccurate information. They refuse. They also refuse to provide the correct verification of the debt so that I can properly dispute the charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Glasser and Glasser, PLC
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received a letter from Glasser and Glasser law firm stating they are retained by XXXX to collect a debt of {$7600.00} on an account that I have never owned at any time ending in XXXX. They said it is XXXX and XXXX Customer Service has no record of that in my name or of hiring this law firm. I believe it is either a scam or a fraud of identity theft. Please help me get rid of this.I have a Federal Trade Commission Report Reference # XXXX on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: National Arbitration Forum
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My wife received a phone call and a collection agency left a message on my wife 's cell phone from XXXX XXXX XXXX. The individual was threatening me. She stated that if I do not notify the filing party, they would show up to my home and/or work place with a " UNIFORMED OFFICER ''. The investigator stated that they would have my supervisor present. Supposedly, they have a court summons for me. The message is in my wife 's voicemail. I called the number to see what that was about, and to see if I can settle the {$300.00} debt. My wife and myself, offered to pay {$200.00} and settle it. They refused the offer.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Weve had numerous issues with USBank on this loan modification. 

Most recently, USBank has refused to take additional income into consideration, even though both sources of additional income live in the home and contribute financially on a monthly basis. 

We have sent them this documentation on XX/XX/18 and XX/XX/18. On XX/XX/18 USBank denied the loan modification request. They claimed they had taken all provided income into account in the loan modification review THIS IS A LIE USBank did not take ANY additional income into consideration for this loan mod review. The net proceeds of XXXX and his wife is {$4400.00}. US Bank LIED to us on a recorded line, said that the wifes income was included but that they only made {$3100.00} ( see attached pay stubs. ) We were also dissuaded from filing an appeal with the person calling us telling us that only one appeal or complaint could be filed on a loan EVER. Once again. This is a BOLD FACED LIE and the true mark of an organization that has targeted minorities for foreclosure. We believe that the reason for telling us not to file an appeal was so that there would be no record in the file should this file be audited in the future. 

US Banks track record on this file is less than stellar. This file was started as a loan mod and someone at US Bank didnt think that a XXXX borrower was worthy enough to complete a loan mod review on the file and decided to move it into short sale on their own. Once moved back to loan mod there has been one delay after another. 

Now, we expect US Bank to deny everything on this. It is what you do. But for an added bonus we will also be submitting this complaint to Californias Attorney General. I really am sick and tired of every file we have with your company ends with US Bank attempting to commit a servicing violation or outright fraud. 

I want the loan modification to be reviewed with ALL of the income that was sent to USBank.

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 2016-03-17
Company: First Recovery Solutions, Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from First Recovery. I spoke with XXXX today. Number called was XXXX. Reference number was XXXX. She knew my name, the last XXXX of my social security number, my address, my bank account, my employment. She said she was recovering a debt from a payday loan XXXX XXXX, 2011 for {$400.00} from XXXX XXXX. I have never received a payday loan nor have received any paperwork for this debt mailed to my home. She said she would put this debt in dispute. I am worried because she knew everything about me.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-30
Company: NAM National Arbitration and Mediation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from phone number XXXX XXXX XXXX XXXX. the lady said they were sending the police out to serve papers on my wife. I asked what it was about and she said I would need to speak with the attorney handling the case. I was transferred over to a XXXX XXXX who was not a lawyer. He said it was for an old debt that my wife had. He told me that with court costs that it was around XXXX dollars but the would take less. This is after he tried telling me his life story about his XXXX kids, ice fishing which I did not care about. He gave me his number which is XXXX. My wife called and ask them to send the information to our address. With who the loan was with, when it was taken out, what they were willing to take as a settlement. She was transferred to a XXXX XXXX XXXX who refused to do any of that and threatened her with legal action. XXXX XXXX XXXX told her that it was XXXX dollars that she owed with court costs. We have never received any thing on this bill before. The number XXXX has called me since then. I feel this is a scam and that they are very unprofessional. There should be no reason the information shouldn't have been mailed to us. When I looked them up on line the adr lawgroup is out of the west coast. So I looked them up as adr group and found them on several sites like ripoff.com. Which states they are a scam group. there is no mention of this bill on any of my wife credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-24
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for the refinancing of the existing mortgage in XXXX of 2020. They never responded to the application and claimed it was lost due to technical glitches. They finally found it a few months later. They have all of the required documents. In XXXX they claimed there were issues with the way the house was registered with the county property appraiser 's office and they could not conduct an appraisal of the house. They claimed that the house was registered as a single family and to have it corrected as a multi family. I was able to get the issues corrected, all during a pandemic, in  XXXX, they conducted the appraisal. After many calls and emails they claimed that they had to run my credit again as it had been awhile since it was pulled. They pulled it and now it is XXXX and there is still response or timeline from them as to when the refinancing will be closed. They respond very slow and or response at all to my emails and voicemails.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-11
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXXXXXX, has violated my rights.

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.

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 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Maximus Education, LLC dba Aidvantage
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan servicer is Aidvantage. 

I have submitted multiple rounds of paperwork to switch my payment plan to the XXXX plan, which I qualify for. I submitted my most recent tax return, as well. It has been months since I sent the submissions, and they still have not updated my payment plan to the XXXX plan. All the while, my loans are showing as past due while collecting interest. 

Now I am trying to contact them via phone, and they are clearly intentionally blockading all incoming calls from borrowers under the guise of being overburdened. I have tried calling them numerous times during their hours of availability, and every time I am met with a robotic voice that tells me they are too busy to take calls. There is not even an option to wait for a representative. It just skips to the robot voice giving me irrelevant options, which are the only options. 

I simply can not make meaningful contact with this company. What am I supposed to do, file a lawsuit? Why hasn't the government taken care of this? Is it intentional? Is there a certain branch of the government that is trying to intentionally blockade borrowers from switching their student loans to the XXXX plan? What else could it be? Isn't the company vetted by the government to be a quality service provider?

Company response to consumer: Closed with explanation