BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: Ability Recovery Services, LLC
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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 2021-12-29
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I been calling customer service members that work for American first finance to come to an agreement and pay balance owed, but they are asking for close to XXXX when the balance on my credit report shows XXXX dollars. I feel that is not a correct balance I am looking forward to coming to a fair agreement. Customer service members arent participating well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to the Amerisave Website on Wednesday XX/XX/XXXX where it clearly states, no ssn or credit report require for a pre-approval. So after you complete all the info, instead of a pre-approval, they call you and ask lots of questions and then they tell you they need to pull a credit report to finalize the pre-approval process. I asked them why does their website say no ssn or credit report and I essentially get no reasonable response on why the credit pull. 

I gave the the info and was approved for a loan and was then told that I had a few more questions and docs to review on a web link they sent me. I follow the instructions and then get a form that says, " Advance Application Fee and Authorization '' and requests a " non refundable {$500.00} application Fee. '' This is nothing but a scam to try to get a pre-qulaification letter and now I have a new credit report inquiry which I didn't want and no pre-qulaification letter. This is unconscionable business practices and nothing but a scam. How can this business practice be allowed? Now, I have a mtg with the builder tonight and no pre-qualification letter and will probably lose out on a house that we really wanted. What is our recourse?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
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 contacted Experian, XXXX and XXXX to dispute the validity of the accounts showing up on my credit reports. I sent multiple notarized letters to all three agencies. I explained in these letters that I have never done any business or received any service from the collections company listed on my credit report.

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

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 2023-09-21
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2021-12-20
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Affirm company has been dishonest and very misleading in their advertisement. I was told that I was pre-approved for {$2000.00} for a XXXX XXXX purchase with zero interest rate. The payments would be {$660.00} for six months. I took it but when I made my purchase it was just for {$660.00} because the item was on sale for 50 % less. 

Affirm is claiming that because the loan was approved for {$2000.00} that I must pay {$330.00} on XX/XX/XXXX even though the purchase was done later but the claim that's because the approval was done on that date. And then pay another {$330.00} in XXXX. 

That is not right. If my purchase is {$660.00} then my payment should be split into 6 parts as they were doing with the {$2000.00}. 

Their advertisement is quite confusing and misleading. If I will pay no interest and did not use the entire amount approved then I must only pay the amount used in installment not the amount approved. 

When I spoke with customer service they told me there is nothing they can do that is how the system generates the payment and they can not change it. 

They are truly misleading and disingenuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NV
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-02-21
Company: EQUIFAX, INC.
State: TN
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:
Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Experian, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX   ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX  Acct XXXX ( Experian, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Experian ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX   Acct 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 2023-11-09
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX BANK XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-05-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2022-12-07
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  XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA mortgage loan was transferred to Flagstar Bank/XXXX XXXX  XXXX. Every year, I get a letter from them demanding payment for an escrow shortage. Normally, they do my escrow analysis in XXXX ; and when I have contacted them in the past March was when they told me my analysis is supposed to be done. This year they did it in XXXX, right after the insurance and property tax was payed out. I was left with a balance of {$86.00} in my escrow account. They mailed me a letter stating that I needed to pay {$580.00} or my mortgage payments would increase by {$87.00}. The escrow transaction statement they sent me does not show the extra {$200.00} I paid them last year for the " escrow shortage ''. When I looked at the transaction data, they are stating payouts for my home owners insurance that are more that what XXXX is charging me. All of this looks highly irregular and I feel like I am being taken advantage of. When I contacted the escrow department of Flagstar Bank, the agent kept talking in circles and said the escrow shortage was money that I owed Flagstar bank that they paid out on my behalf. When I questioned them about doing my escrow analysis earlier than XXXX, they said it was, " because of the state you are living in requires it to be done in XXXX   ''. I asked the agent why it was different this year than the previous years, and she lied to me and said they have always done my escrow analysis in XXXX. When I sighted RESPA to the agent and that the balance of {$86.00} was over {$50.00} and they are required to refund the amount, she told me that they are not required to refund any money, when I owe them money. I feel like I am being scammed, and I am tired of my mortgage payment jumping up every year. When I look at the escrow transaction amounts, they don't match the bills I am getting from XXXX. Something doesn't feel right about this, and as a XXXX veteran, I think I should have been provided a better explanation from the escrow agent than, " you owe us money ''.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On ( XX/XX/21 ) I sent a letter seeking validation of a debt to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX ) Its been ( 30 days ) and I havent received a response. Being that it has been well over ( 45 days ) I have sent a letter to XXXX, Transunion, and XXXX requesting that they immediately remove this from my credit report due to this debt, I am not aware of, not being verified. 
I have yet to hear a response from any one. Due to my own personal research I have notice that my rights as a consumer have been violated and I feel like I am being directly ignored and taken advantage of. According to consumer laws, if this account can not be verified, it must be removed by the credit reporting agencies. 
Thanks 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