BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX 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 FCRAXXXX XXXX XXXX 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 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 2023-05-10
Company: Instarem PTE Limited
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I have tried to send an international transaction and it was cancelled by a platform called Instarem ( www.instarem.com ). This seems extremely opaque and makes this platform a security issue, with all my personal details. 

Further when asked for a reason, although they have my bank details, SSN ; they refused to provide any further assistance. Other than to say : i ) " Unfortunately, due to security reason we can not provide the exact reasons to it. '' ii ) " We can not disclose the exact reason as per XXXX, XXXX ( U.S. ) Program Customer Agreement, we reserve the right in our sole discretion to refuse any transaction. '' Any help to ensure that customers are not negatively impacted by such a blanket statement would be greatly appreciated. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Universal Fidelity LP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am making this complaint on my own without being forced coerced or intimidated into making this complaint. Also there are no third parties or agents involved in this communication between myself and the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: AK
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 Account Number : XXXX, has violated my rights. 

XXXX5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-10-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served notice of an alleged debt via postal communication on XX/XX/2023. On that date, I engaged in a conversation with a representative by the name of XXXX, who represented the Collection Agency " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. 

In response to my validation request, XXXX affirmed his commitment to investigating the dispute and assured me of a subsequent follow-up. Additionally, XXXX inquired about my occupation and assured me that no adverse annotations would be recorded on my credit history. After our telephone conversation, I promptly transmitted a follow-up email, appended with a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that the presence of erroneous information reported to the credit bureaus would constitute an act of fraud, for which I would be prepared to take legal action. Furthermore, I stipulated that all future correspondence should be conducted solely through electronic mail. 

Despite adhering to this course of action, I later received an unfavorable collection remark. With no responsive communication from XXXX or the collection agency, I undertook the step of lodging a dispute with the three major credit bureaus to expunge this notation from my credit reports. Regrettably, the collection agency 's response to the credit bureaus attested to the validity of the debt and failed to provide any substantiating documentation. 

In the aftermath, I have been subjected to unwarranted and harassing telephone communications from Colombia Debt Recovery, doing business as Genesis. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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: Account status incorrect

Complaint:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX reporting past due XXXX XXXXXXXX XXXX/ XXXX XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report.

Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Honda financial received my car and didnt clear my name but instead damage my credit by adding wrong information on my credit report. Need such information removed because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A writ of garnishment was hit to my bank account without proper notification I guess the papers were sent to an old address that I haven't lived at for over 2 years. 
The judgment was issued in XXXX of XXXXAccording to them I see that it was {$880.00} they added fees bringing it to {$1400.00} The writ of garnishment was the original amount {$1400.00} with other fees added to bring it to {$2100.00} and that is what the leviest for in my account I was not notified I've reached out to the company to try to get this reversed and set up a payment arrangement due to hardship and they refuse to work with me. 
It looks like according to the court papers that I obtained myself date submitted a writ of garnishment that is dated for XX/XX/XXXX of XXXX again I was never notified that this was going further or I would have taken action and taken care of it. 
I told the rude lady that wouldn't get me a manager that don't they think people 's lives change in 4 years why was I not reached out to about this situation to see if there was other alternatives I just need to get my money released so I don't have to find a place to live this has caused a financial hardship emotional hardship mental unstability on top of having a XXXX  I've been trying to deal with all this. 
I'm not trying to get out of the debt I'm trying to get the debt collector to work with me since they did not do what they were supposed to by notifying me of this writ of garnishment therefore I didn't have time to submit the questions because I didn't receive the documents therefore unfair practices on their part. 
For what I've read from this Midland funding company they're one of the worst debt collectors out there they do a lot of sneaky stuff I did file a motion with the court and the judge said I can reach out to them for a payment arrangement and they refuse to work with me they said they didn't get anything filed no motions no requirements no nothing so I uploaded all that to them today stating that they are able to work with me per the judge. 
So recap this all started in XX/XX/XXXX They submitted paperwork to the court on XX/XX/XXXX to add more fees it was filed in the court on XX/XX/XXXX they stated I was notified I did not receive anything from them otherwise I would have submitted the questions to be answered by me so that I can try to avoid this and work a payment arrangements for goodness sake I can almost have this paid off by now if I would have known about if I would have known if I would have known if I would have been notified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My second mortgage, originally a home equity line of credit with a " balloon '' payment at the end matured in XXXX of this year. The amount is XXXX. I am unable to come up with that amount. I have tried no less that 5 times to successfully submit the application to modify this loan with SPS, aka Select Portfolio Servicing. Each time, some mistake or flaw is found which completely " voids '' the entire submission-it is not amenable to correction or amendment. Please note : this is essentially the same paperwork, with the stipulated corrections, that is filed, only for some clerk to " discover missing '' or " erroneous '' information. on XXXX application, I checked the " wrong '' tiny box. This process is time-consuming and extremely frustrating and so out of desperation, I made them a cash offer of XXXX. At this juncture, they " need '' information about my " social security benefits ''. I have repeatedly told them I DO NOT receive any form of social security, to no avail. Meanwhile, I continue to receive harassing letters threatening me with imminent foreclosure if I do not " act quickly ''. Their " customer service '' dept. is of no help whatsoever ; the " mortgage concierges '' are hostile, abrupt and condescending. In addition, they reported two of my payments to them as " late '' to credit bureaus. My payments have always been early or on time and I see from other customers that this is their standard practice to harass and wear people down in order to force them into foreclosure. My goal is to avoid foreclosure, get rid of this now XXXX year old loan in a fair fashion and move on. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collections notice for the amount of {$500.00} ; however, I have been on a payment plan for this debt with the provider and it is not late. I have already paid {$200.00} on the debt and am continuing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified dispute letter to XXXX XXXX on XXXX XXXX. In it I also requested proof of damages. XXXX XXXX has been unable to verify the debt and has reported this alleged debt to the credit bureaus. I believe it is unfair to me to have fraudulent charges to be as a negative item against my credit report. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have made all payments and are out of forbearance. We are trying to refinance and we need a letter stating we are out of forbearance. We have been trying since XXXX XXXX to get a letter stating we are out of forbearance. 
Suntrst Morttage has been ZERO PERCENT in cooperating with giving us this letter. Suntrust has an interest keeping our loan at their higher percent. Please see below in our efforts to remidify : XXXX PLEASE NOTE : I have explesed that this extreme delay in the requested letter will COST US $ $ $ $ due to extending our " lock '' on our refinance, Thursday XX/XX/XXXX original call requesting letter stating we are out of forbearance. 

Monday XX/XX/XXXX, XXXX ( time on hold 1 hour 23 minutes ) s/w XXXX and explained that we had requested letter stating we are out of forbearance in order to move forward with our refinance. Told her we had already called and received no response and I needed to know what the status of the letter is/was. She said she would put an urgent on the request and that we should have a response within 24 to 48 hours. 

Wednesday XX/XX/XXXX XXXX ( time on hold 1 hour 49 minutes ) Called home preservation department and due to long hold times left a call back number XXXX received call back and from the wrong department ( customer service ) and was transferred to h/p and was immediately disconnected. 
XXXX called back and stayed on hold for 45 minutes. s/w XXXX and asked her to transfer me to a supervisor. XXXX put me on hold, stayed on hold until XXXX ( more than an hour ) XXXX called again ( while STILL ON HOLD waiting for a supervisor ) from a different phone. 
XXXX s/w XXXX XXXX who tried to contact her supervisor but supervisor was in a meeting. XXXX XXXX took my number and called back later and explained that the letter needed to be generated by the utility team but they had gone home for the day. She said she was putting an urgent on the request and that we should have a response within 24 to 48 hours. 

Thursday XXXX ( time on hold 48 minutes ) s/w XXXX and asked for supervisor. XXXX said a supervisor would call back within 24 to 48 hours. XXXX also said customers can not talk to or reach the utility department directly.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2021-05-31
Company: EQUIFAX, INC.
State: NY
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:
In early 2021 I've noticed that 'XXXX  XXXX account was showing up on my credit file with all 3 major credit bureaus, which was sent to collections, even though I've never had this account opened by me in a good faith. Therefore I've filed a FTC Identity Fraud Report where I've outlined that the account associated with 'XXXX  XXXX is per se fraudulent and I'm intending to use this report to inform agencies and request a removal. Copy of this report had been sent to XXXX, XXXX  and Equifax, respectively. While XXXX  and XXXX  did remove this account from my credit file and marked it as a fraudulent, Equifax didn't take appropriate measures to do so, even though Equifax did receive a copy of this report.

Company response to consumer: Closed with explanation