BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-26
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. The last couple months I lived there under HUD assistance, they kept reporting that I didn't recertify. I came down the office XXXX times and submitted this recert paperwork to them. They sent me a letter stating that I owed rent for XXXX XXXX and XXXX which I paid with a money order, and they cashed in XX/XX/XXXX. After finally getting in contact with a rep from HUD about the issues of the recert, HUD started to investigate the issue. They sent me threatening letters stating that my voucher was cancelled since XXXX because I didn't recertify, and that they would be charging me rent from XXXX until the current month. I moved out of this apartment in XX/XX/XXXX because of this conflict. They tried to bring a lawsuit against me but, the case was dismissed with no judgement owed to them. They then posted on my credit that I owed them XXXX. I disputed this record through XXXX for a year and every time it came back the collection agency states that the account is validated. I then requested validation from them, they provided a lease form when I first moved into the apartment as the start of the delinquent balance, and final notice of a bill with charges as if my voucher was cancelled, but nothing that states as a statement or a bill as to where they got the amount of XXXX. I called XXXX this time to dispute it again. I sent them all the court documents, lease information, the FTC identity theft report as well as other related documents as XXXX stated. I spoke to a rep from XXXX to make sure the documents were received, and they confirmed that the amount alleged against me was fraudulent, and that they will put a request in to have it removed from my credit. XXXX and XXXX have taken this collection off my credit following my conversation with XXXX. I called XXXX again, to find out why they still had this collection posted on my credit file. The supervisor stated that XXXX removed it from my credit, but the collection agency placed the same alleged amount on my credit file again! This collection account is fraud, and the collection agency keeps posted it as a new account every time I dispute it as non-liable for this debt. I do not owe this company anything and they are continuing to fraudulently post inaccurate data on my report. This alleged amount is solely posted on my credit file. It is not posted on any rental history reporting agencies. The only reason they are reporting that I owe them anything is because I reported them to HUD because of their misuse of recertification paperwork to try to scheme money out of residents. 80 % of the residents that live at this property are old and can not speak English. I wish to have this file reported as fraud and removed from my credit file.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: IL
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:
My credit report is showing violations. The listed rights below show the violations that were made against me. The first company that violated me was XXXX Bank and the XXXX company that violated my rights was credit XXXX XXXX  aka XXXX XXXX, the following laws were violated by both companies : 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 credit account XXXX XXXXXXXX and XXXX XXXX XXXX 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 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 XXXX 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 explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MD
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 accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # XXXX  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. 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 reason 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 explanation
Consumer complaint received 2018-05-23
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On Monday, XX/XX/XXXX my wife and I leased a new XXXX XXXX XXXX from XXXX XXXX. As part of the transaction, the termination of our lease on our XXXX XXXX XXXX was processed. As discussed with the sales manager in  great detail, part of the deal was that we would be " free and clear '' of our lease on the XXXX XXXX XXXX, which included the early termination of our lease. The only payment moving forward would be on our new lease for the XXXX XXXX XXXX. 

In the first week of XXXX, I discovered via an email regarding my credit report that XXXX XXXX XXXX claims that we owe {$1400.00} and are delinquent on the outstanding balance for Early Termination of the Lease on the XXXX XXXX XXXX. We have never received a bill in the mail or via email. I called XXXX XXXX XXXX and attempted to explain that this was incorrect ; it was our understanding that I did not owe anything, as the termination of the lease was part of the transaction of leasing a new XXXX XXXX XXXX. I was told by the representative that this was based on the sale of the vehicle and the terms of my lease. The representative was very unpleasant and stated that XXXX XXXX XXXX did not communicate with dealerships and that I need to contact the dealership if I felt there was an error. 

I went to the dealership and my sales representative referred me to the finance manager who I communicated with via email. Yesterday ( XX/XX/XXXX ), the finance manager left a voicemail stating it was not {$1400.00} that I owe, but only two payments, which would be around {$790.00}. She also referred me back to the sales rep and the manager, which I will do. Though there may be a possibility of a clerical error, at this point I feel that I am getting the run around, so to speak. Either way, I think there was a binding verbal agreement that the old lease was terminated without any liability, and that we were only financially responsible for the new lease. 

Additionally, I never received a statement for the {$1400.00} from XXXX XXXX XXXX, and it was reported to the credit bureau without my knowledge that XXXX claimed it was owed. I stopped receiving payment reminders for the XXXX XXXX via email in XXXX. The website now shows the balance owed of {$1400.00} and number of days it is considered late. It also shows that we made 35/36 payments on our lease, with only the XXXX payment as not paid. I not only contend that I do not owe the {$1400.00} and but it also should not have been reported as late to the credit bureaus, so that needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Commonwealth financial The amount is {$740.00} The balance date is dated XXXX the XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ok so this company KIMBALL, TIREY ST JOHN LLP has ruined my credit for the last 3.5 yrs and keeps charging interest every month year to date over XXXX in interest charges not sure if thats legal, i called the number provided and tried to explain to him my old girlfriend used my name on a lease without my permission and i am not responsible for this debt this rude gentleman responded by saying there going to freeze all my assets they already have a Levi on my checking account in the middle of a pandemic i asked him are you guys lawyers because i keep getting these intimadating intimidating letters with big bold letters saying the law offices of KIMBALL, TIREY ST JOHN LLP TURNS OUT THERE JUST DEBT COLLECTORS AND NOT REAL LAWYERS THIS IS A MISLEADING SCARE TACTIC AND A VIOLATION OF 15 U.S. CODE 1692E ( 3 ) ( 10 ) ( 14 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

OK SO LETS TALK ABOUT THE ACCOUNT STATUS IF THIS A COLLECTION THE ACCOUNT STATUS SHOULD BE CLOSED IF ANYTHING WHY WOULD THE ACCOUNT BE OPEN ALSO THEY KEEP PLAYING AROUND WITH THE ACCOUNT IN XXXX LAST YEAR THEY CLOSED THE ACCOUNT PROOF IN THE ATTACHMENTS THEN A FEW MONTHS LATER IT REAPPEARED OPEN WITHOUT MY WRITTEN CONSENT WHICH IS ANOTHER VIOLATION THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES THE LAW CLEARLY SAYS IT MUST BE 100 PERCENT ACCURATE THIS COMPANY IS ALSO NOT REGISTERED WITH THE ( DFPI ) PURSUANT TO THE NEW ( DCLA ) DEBT COLLECTOR LICENSING ACT NEW CALIFORNIA LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2021-06-08
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2022-05-30
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2019-02-15
Company: EQUIFAX, 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 have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have in numerous occasions contacted SPS to attempt to refinance, loss mitigation and offered a short sale which should be on recorded conversations with the company. We were told that we were not eligible for any assistance options at all. 
Then when we found a foreclosure realtor specialist she was told that we were sent a letter in XXXX that said we were eligible for a short sale.

We never received said letter and we were told verbally on a recorded line by a SPS representative, after being placed on hold, that we were not eligible for a short sale. So we felt we had exausted every opportunity we had. Now to find out it was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Consolidated loans and while all loans show paid off on the XXXX  website there was a balance still standing on the Navient side. 
They had me re add the loan on their end and not on student loans. 
They argue that the XXXX  doesn't usually have the accurate loan amount and therefore it created that discrepancy. Also I didn't apply for any pay as you earn program due to Navient telling me I didn't qualify for it, but because of the issue with the amount of the loan remaining they added me to that repayment program and lower the payment down. So the main issue is the way is was handler and how little to no information is about whats int he students loans web site from what Navient has. Now I'm dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, 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 did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 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.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 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.

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 2022-05-26
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:
In accordance with the Fair Credit Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is adding interest on top of a judgment that was paid through garnishments of my wife payroll for the amount of {$1600.00} that includes all charges and interests add during the judgment. However, XXXX is asking for the same amount for post judgements payment interest. For the amount of {$720.00}. 

Collection agency XXXX XXXX XXXX XXXX Wants more money on top of the garnishment that was given by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-04-10
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation