BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had ( 2 ) XXXXXXXX XXXX XXXX XXXX accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of XXXX XXXX providinng me the opportunity to rectify the account ; it was sold to XXXX XXXX XXXX. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to Equifax, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( 3 ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with XXXX XXXX and XXXX. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on BBB and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.

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 2021-10-07
Company: Possible Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For now over and 1 1/5 years I have been disputing with XXXX this account from POSSIBLE FINANCE listed on my credit report. Every single time XXXX is stating that you every month is telling them this account belong to me. I have never opened this account with you. I have never received a bill or anything to my address and because I have had enough with XXXX not removing this fraudulent account, I have sent them an Intent To Sue letter. I received a call from them and they insisted that I filed an Identity Theft report with the FTC and send it to you that is a fraudulent account and that you re the ones that are able to have this removed from my XXXX credit report. I am beyond frustrated and if this is not handle soon, the only recourse if to file a lawsuit in small claims court against you. Please see my attached ID Theft Report and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Mr. Cooper. I had a mortgage relief when the pandemic started in XXXX. It had continued for two years. After that point I was not able to pay because of loss of income. i have been working with the company to try to resolve the problem. Recently I have had a person intrerested in buying the property. Because of the amount I still owe on the property we were trying to do a short sale. When this was submitted on XX/XX/XXXX it was rejected because they said it was to close to foreclosure date of XX/XX/XXXX. 
We have tried to get Mr. Cooper to extend the sale date but they have refused to do so. 
I am requesting your help with this problem so we can do the short sale. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to address the issue of unauthorized hard inquiries that have been reported on my credit profile, which I previously brought to your attention via mail. I submitted a dispute letter outlining my concerns regarding the inaccuracies and fraudulent nature of these hard inquiries. 

-- -- -XXXX -- -- - XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XX/XX/XXXX ( XXXX ) -- -- -Equifax -- -- - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: OH
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I currently have a debt that is impacting my credit report that I have no way of paying back to Portfolio Recovery and Associates. This debt was originally contested as fraud but was dismissed. At the advice of Portfolio Recovery. I tried applying for a permanent hardship because they assured me that they wanted to and were capable of helping me, but it was applied as just a temporary hardship from XX/XX/21 to XX/XX/21. I applied for the permanent hardship because my wife was diagnosed with XXXX. I supplied the documentation showing such, but the Portfolio Recovery responded by stating that since I, the borrower, am not the one that was diagnosed with the illness than my situation can not be categorized as a permanent hardship. This is most definitely a permanent hardship situation. I can only work part time now because I have to tend to my wife as the XXXX attacks her. The bulk of my income goes to paying the bills ( rent, XXXX XXXX XXXX food, water, etc etc ) and my wives medical bills. It is cold and callous of Portfolio Recovery to say that my wife and partner being diagnosed with XXXX is not a permanent hardship. This is a hardship to all of us that are helping my wife through this terrible time. This is not anything that will be cleared up anytime soon. This mark on my credit is hurting us from applying for a credit card and so that it may give us a bit of breathing room in the months that I come up a little short on the bills. Please re-examine this and see that I truly am in a permanent hardship at this time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
XX/XX/XXXX I discovered my info was in the XXXX data breach and was given a settlement Claim along with 7 years of free credit reporting, I have yet received any. I filed an FTC ID Theft Affidavit and sent it all 3 credit bureaus and asked for investigations. 
I ordered credit reports and had found many fraudulant and erroneous info on my report. 
I researched and found out that the addresses EXPERIAN, XXXX and XXXX were either a commercial building or a XXXX. I XXXX not live at a business nor a XXXX. 
EXPERIAN has refused to delete the erreneous addreses and accounts that are clearly not mine. 
15 U.S.C 1681 FRCA everything must investigated and accurate. I believe Experian is violating many rights of mine by refusing to delete the erroneous accounts whilst reporting erroneous and inaccurate information on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not mine and needs to be deleted.

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 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 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 2023-11-09
Company: EQUIFAX, INC.
State: IL
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 am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: ALLY FINANCIAL INC.
State: MI
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:
I contacted Ally Financial about my auto loan that I fell behind making payments on during the pandemic. The car was repossessed after missing one payment, Ally Financial called me several times after repossessing my vehicle, harassing me to pay them. I explained the situation that I was in due to the pandemic and losing my job due to company closure. I called Ally a couple of months later asking how I could resolve the issue, they explained that they already charged the vehicle off and they have no record of the car being repossessed. This has damaged my credit as they have it on my credit as a charge-off, and now I have been without a vehicle for several months causing me to struggle with finding a job, and resulting in my hardly being able to pay my bills. The loan was halfway paid off when they decided to repo the vehicle. I owed XXXX on a XXXX loan.

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 2022-11-30
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:
Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: NRA Group, LLC
State: MD
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 this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This adverse account listed on my credit report is inaccurate as the account was turned over to collections due to a bookkeeping error. When I was contacted by M LEONARD & ASSOCIATEXXXX regarding this collection account I advised them that the account had been turned over to them in error, because the bill was covered by my sons insurance and had been paid in full. Despite what I told XXXX XXXX he said that I owed the money. I asked XXXX XXXX of M LEONARD & ASSOCIATES to provide me with supporting documentation so that I could look into the matter further. 

After receiving the documents that I requested from M LEONARD & ASSOCIATES, I called them and they advised me that they would hold off on any further collections until XX/XX/XXXX so that I could look into the matter. On XX/XX/XXXX I contacted XXXX XXXX of M LEONARD & ASSOCIATES and advised him that I was still waiting to hear back from bookkeeping regarding the account as the file had been put in storage because the account was from XXXX. During this conversation I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that I needed to pay the outstanding amount while I waited to hear back from bookkeeping or they would report the negative information to my credit report. I made the payment even though I did not own the money so that M LEONARD & ASSOCIATES would not report the negative information to the credit bureaus. After making the payment I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that if there was in fact an error M LEONARD & ASSOCIATES would reimburse me the {$240.00}. 
Despite the promise to not report the information to the credit bureau if I made the payment, M LEONARD & ASSOCIATES still reported the negative information to the credit bureau and it was later discovered that the account was in fact turned over to collections in error. So based on this fact the I asked the debt collector to remove the negative information that they reported to the credit bureau and they refused. 

This is not a valid collection account and therefore should not be listed on my XXXX  credit report. The account was paid in full prior to being turned over to collections. Furthermore the fact that M LEONARD & ASSOCIATES reimbursed me the {$240.00} for the payment that I made, further confirms that the collection account was in fact in error and therefore should not be on my credit report. Lastly, there should be no charge off as the account was paid in full by my sons health insurance and the account did NOT legally belong to M LEONARD & ASSOCIATES.

Company response to consumer: Closed with explanation