BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-08-15
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:
Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, XXXX and Transunion ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge.

According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.

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 2023-03-20
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: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX XXXX I PULLED MY CREDIT REPORT AND NOTICED UNAUTHORIZED INQUIRIES. I CALLED TRANSUNION SEVERAL TIMES TO HAVE THESE INQUIRIES REMOVED AND THEY REFUSED TO HELP ME. I HAD NO PROBLEM WITH XXXX AND XXXX INVESTIGATING THESE INQUIRIES, CREDITOR : DATE INQUIRIE WAS MADE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX TRANSUNION WOULD NOT HELP CORRECT MY FILE BY DELETING THE UNAUTHORIZED INQUIRIES REPORTING TO MY CREDIT REPORT. THANKS IN ADVANCE

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 2023-07-11
Company: Experian Information Solutions 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:
I have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt

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 2018-11-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the third time that thes people have processed my payments incorrectly I have advised XXXX XXXX -XXXX on several accasions to please have his people process the payments as I have set them up as ... ..They have caused me {$100.00} in overdraft fees by processing my payment early as per my conformation number XXXX with one of their customer service people. 

Please help me Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: VA
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account ( Original Creditor : )  XXXX asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : 1. XXXX  XXXX # XXXX XXXX. XXXX XXXX - # XXXX XXXXXXXX XXXX  # XXXX XXXX. XXXX @ XXXX # XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address.

According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Bank keeps replying as they contacted me to issues of fraud committed by them. there has been no effort just some computer generated letter as before time after time. There has been no mail contact but the same XXXX letter were working on it. 
There has been no effort to explain or justify information requested. I have also file with the US justice department and the US attorney office on documents that's been altered and forge by Wells fargo bank.

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 2023-02-21
Company: Fein, Such, Kahn & Shepard, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This letter is to put you and your firm on a notice of FDCPA Violation. 

According to 15USC 1692 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be l
awfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 

Further as per the case made in case of George W Heintz V. Darlene Jenkins, the provision of fair debt collection practices act applies to attorney who regularly engage in consumer-debt collection practices, even when that activity consist of litigation. 

There for as per the judgement mentioned herein, your firm is liable as a debt collector. 

Kindly provide proof that your client has a signed contract with me and validate the debt. 

This company is represented by XXXX XXXX XXXX Find attached the proof of the lawsuit filled against me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I knew I fell behind on payments with XXXX XXXX XXXX ( XXXX ) and was having a hard time paying my monthly bill. In XXXX I spoke with someone at XXXX and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to XXXX. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with XXXX and asked if they could get my account out of default because I made a good faith payment. XXXX said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with XXXX. XXXX said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted XXXX again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and XXXX said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. OnXX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to XXXX. When I got back on the XXXX   website my account once again said I owed {$0.00}. When I called XXXX and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from XXXX. I started getting phone calls from a collection agency in late XXXX Trans World Incorporated stating I owed the balance due on my loan ( {$51000.00} ). When I once again  called XXXX they said my loan defaulted and that they no longer have the loan and that I would have to contact Trans World Incorporated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX This account is in accurate Please reinvestigate this account and DELETE THIS IMMEDIATELY 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Repprting 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 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 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 2020-09-28
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:
I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-07-17
Company: EdFinancial Services
State: IL
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:
To Whom It May Concern : EdFinancial Services has inaccurately reported account balances to the three leading credit bureaus. During a recent call, I was informed that they have communicated to the bureaus ; however, the updated reporting was " only '' reported to XXXX, and if an appeal for updating is needed, I was instructed to open an inquiry with the three bureaus. This is unacceptable and violates the FCRA rules. EdFinancial should be able to communicate via API ( immediately ) to ensure credit reporting is accurate, as this impacts borrowing decisions. EdFinancial Services must provide precise reporting to ALL credit bureaus for my account today! 

Lastly, in conversation, I was instructed to find alternative avenues to correct the reporting. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX the caller claimed to be from " PRA ''. The re caller requested identifying personal information from me ( SSN #, DOB, etc ), I refused to provide the requested information. The caller said " I'll refer this to our lawyers as you are not cooperating '' and hung up. I searched for the number ( https : XXXX ) and found that it was PORTFOLIO RECOVERY ASSOCIATES. 

On XX/XX/XXXX I sent a letter via certified mail demanding information about the allesged debt as is my rights as defined by the Fair Debt Collections Practices Act ( attached Letter A ) & ( Attached USPS form ) which shows delivered on XX/XX/XXXX according to the USPS Website " Delivered XXXX, VA XXXX Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, VA XXXX. '' I have received no written communication from PORTFOLIO RECOVERY ASSOCIATES as of the filing of this complaint. 

On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX XXXX XXXX, caller hung up. Called back as was connected to Portfolio Recovery and the call was taken by a " XXXX ''. XXXX ( declined to give further info ) asked for DOB, I declined. She asked for the information multiple times. I ended the call As per the Fair Debt Collections Practices Act, PORTFOLIO RECOVERY ASSOCIATES is violating several laws and needs to be held accountable. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

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