BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX 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 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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im 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 60 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.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2022-12-21
Company: Experian Information Solutions 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:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX OPENED XXXX {$420.00} 2.-XXXX XXXX XXXX XXXX XXXX Opened XXXX {$360.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Westlake Services, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving emails and spam calls from this debt collector for over a year.I don't have the exact date the calls or emails started, but I have records upon records of up to 12 phone calls a day, usually beginning minutes past XXXXXXXX XXXX. Today they called me 12 times. I have an application that blocks the calls but I am still able to see how many times and what time they contacted me. The debt agency is Westlake Portfolio Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have faxed over documents to Credence Resource management on XX/XX/2022 for a debt validation for {$2800.00} per the Fair debt collection practices act, 15 usc 1692g. I requested they office provide me with competent evidence that I have any legal obligation to pay them. They have failed to provide me that information, instead they provide what looks like an old bill from an unknown address. They also failed To stop telephone contact after my cease and desist to stop phone call attempts. 

*Documents are attached of what I sent company*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent a transfer from my bank XXXX, XXXX, to HSBC HONG KONG, using HSBC US as intermediary bank for the ammount of XXXX and the money never reached the benifeciary. Swift Messages were sent by XXXX on XX/XX/XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX XXXX received a message from HSBC requesting remmitance information and it was sent by XXXX the same day. After getting no answer I got in touch with HSBC US to find out why the money has not ben deposit into the beneficiary account and they say that I had to get in touch with HSBC XXXX XXXX. I called HSBC XXXX XXXX  and they claim they don't have any infomation about this transfer, the beneficiary has also called HSBC XXXX XXXX  many times and there is no reply. XXXX has sent over 10 messages requesting confirmation without getting anything, and yesterday I asked for a reimburment and there's no reply form HSBC US and the money has not been sent back. Today I was on the line with HSBC US for over 2 hours and they didn't have any answer and advise again that I get in touch with XXXX and with HSBC XXXX XXXX at the end the money is not back into my account and has not been deposit to my beneficiary and it's been a month since the money was debited from my account. I need HSBC to send the payment back ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank blocked my account telling me to wait for them to close the account and my money is in my account and they wont give me any money. I have at least {$1800.00} in my account Ive called them many time Ive went to the branch and nobody can tell me anything and I cant withdraw from this account

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 2023-09-27
Company: TRUIST FINANCIAL CORPORATION
State: CA
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:
I am not liable for this debt with XXXX bank. I can not open a bank account because of this inaccurate and unverifiable. [ 15 U.S.C 1681 ] due to the FCRA this account must be removed immediately.

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 2023-05-16
Company: EQUIFAX, INC.
State: TN
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company is attempting to collect a debt for which I do not owe them. Nor have I made any agreements or done anything for them to believe that I owe them anything, Moreover, they placed these erroneous debts on my credit profile several times before and they keep removing them and adding them at a later date. This has to stop! I believe its criminal at this point because they are intentionally trying to destroy and lower my credit score by submitting alot of collection notices on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was never late payment account was paid off as reflected by my proof. XXXX reported account was current and no past due. However XXXX and TransUnion does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. TransUnion and XXXX are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: EQUIFAX, 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:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im 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 60 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. Also my information was listed in the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: GreenSky, LLC
State: IL
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:
We purchased windows for our home Via a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recieved multiple calls within 7 days and mail correspondence. Calls are as follows : XX/XX/XXXX - XXXX incoming call no response when I answered. Called right back and same debt collection company. Spoke with a supervisor advising I already spoke to someone today and Im already getting another call an hour later? 

XX/XX/XXXX - XXXX I reached out advising of the multiple calls and confirmed my name and info. 

XX/XX/XXXX - XXXX incoming call and hung up. 

XX/XX/XXXX - XXXX incoming call and hung up XX/XX/XXXX - XXXX called back and was same company. 

XX/XX/XXXX - XXXX incoming call and hung up. 
XX/XX/XXXX - XXXX called back and was same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I contacted Global Lending Services on XXXX XXXX with a cease and desist due to them repossessing the vehicle and did not hear back after 30 days. The term " Communication '' means conveying of information regarding a debt directly or indirectly to any person through any media. According to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX XX/XX/2022 To whom it may concern : I, XXXX XXXX, XXXX XXXX following : I am a retired XXXX American citizen. My income comes from my pension of {$1000.00} per month. 
I am presently in the Bankruptcy program Case # XXXX. My monthly payment to the bankruptcy program is {$610.00} and my monthly payment to my mortgage is {$1200.00}. 
During the COVID pandemic, I applied for the CARES Act Mortgage Forbearance program thru XXXX XXXX XXXX XXXXXXXX mortgage company and I was accepted.

The agreement was for one year of suspension of payment of the mortgage. These payments would be made after the completion of the last mortgage payment. 
XXXX XXXX XXXXXXXX mortgage company without previous notification and without my consent, sent my mortgage to Gregory Funding. 
I contacted Gregory Funding via phone call and they notified me that all of the terms and payment that I had with XXXX XXXX XXXXXXXX mortgage company would remain the same. 
Gregory Funding also let me know that they are a collection agency. 
On XX/XX/2022 I received an email from the Bankruptcy lawyer and the email stated that Gregory Funding demanded the total payment of that were not paid towards the mortgage because of the agreement with the CARES Act Mortgage Forbearance program. 
If the total amount was not paid by XX/XX/2022, my house would be put into foreclosure. 
The Bankruptcy lawyer made me sign an agreement with Gregory Funding to make the following monthly payments : A prorated amount of {$670.00} ( {$25000.00} divided by 38 months ) due to the trustee, plus the mortgage of {$1200.00} and additional payment to the Trustee of {$610.00} making it a grand total of {$2500.00} monthly payment which is impossible for me to make. 
At this point, feel as though that being a person of my age, my income, and my limited XXXX it is extremely hard to be able to understand the legal terms put on these agreements. 
I would like to solicit to whom it may concern that they do justice according to the laws given by the government in power and it not be pretended that individuals with low income lose the little that has been acquired in their lifetime I also would like to solicit that it be communicate to Gregory Funding to desist in the harassment and threats that I have been received because I applied to the CARES Act Mortgage Forbearance program. 
Please correspond to me ASAP these concerns. 

Attentively : XXXX XXXX XXXX : GreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation