BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is 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 2021-06-03
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Your company Mountain Run Solutions , LLC. is inaccurately reporting on my credit file on all 3 bureaus, wish is a violations of the ( FCRA ). I have asked them several times to send me validation of the debt and they refuse to do so, which I the consumer have the rights to obtain all information that I ask for including, original contract with pen signature charges with interest, fees, dates of all pymts, dates of payments posted, posted by, please included the license provided at time of " service '' please verify letters that you've send and also its reporting joint which is invalid. I have had enough of dealing with this. It's causing distress to keep having to put time and effort into writing your company that is legally not responding to me per the ( FDCP ). Your company is a debt buyer and has multiple dozens of lawsuits of inaccurately reporting accounts and information. This will be my last and final warning of the errors on my credit report that you will be help liable for per each one of those violations. I have contacted all 3 credit bureau 's as well over the last year multiple times and you guys are not sending them any of the information neither along with reporting your incorrect balances. I demand that you remove these from all 3 of my credits reports immediately.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was promised via phone call that someone would look into my issue. They saw the error that XXXX XXXX made and said that it should be fixed really soon. They also stated they would pull the phone calls made so that the matter can be rectified. 

I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/ and on XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. 

Today, I pulled my reports because Im about to purchase a home and was notified that my TRANSUNION account is reporting late in XXXX and this is now going to affect me for the rest of my life if they dont fix this immediately. 

The phone call and messages are all recorded. I need someone to contact me, & contact transunion credit bureau and fix this immediately. 

This is so detrimental to me and causing me not to get my house for me & my 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 2022-05-04
Company: Dovenmuehle Mortgage, 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:
Sent an inquiry on XX/XX/XXXX to XXXX XXXX  almost at the 30 day mark, they emailed me back with a ready-made script with no investigation result or anything. 

They reported a late payment XXXX of XXXX to XXXX, XXXX, XXXX. 
At this time I was in a forbearance program and advised them I won't be needing it for the time they granted me. I was told a late payment wouldn't be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
hello, I've had the following account since XXXX I'm disappointed in the treatment I've received- during my time of hardship. Not only do I believe you have violated my consumer right but I have lost faith in the ability of your company to protect me as your customer. 

On the XXXX of XXXX my account was closed per the agent I spoke to due to the past due status. while I did know that the account was pass due I had every intention on catching complete back up, once I recover financial from the death in my family. I had no idea and wasn't aware of the severity of my tardiness. From my knowledge The last attempted to make a payment before closure was online where i update the account number removing the previous XXXX bank and adding a XXXX XXXXXXXX account with sufficient funds to cover the amount I wanted to pay. 

However, It seem the Amex system online didn't register these changes and didn't process my payment through the correct account " XXXX XXXX ''. This would have prevented my account form going further pass due and leading to the closure. 

which has lead me to today where I made a payment towards the account to completely catch up thank god! but received unsettling service form your rep. who would not provide me any kind of company id to better identify him just his first name XXXX, He tried to tell me the systems where sown and to call back in 2 hours when i ask to speak to a supervisor. He came back attempted to resolve my issue. then when i assisted to get a supervisor and they would call me back in 30 min but i never received a call. 

I am requesting you to reinstate my account complete with the Authorized users and also in a effort of good faith a credit to the account for all retuned payment fees and late fees on the account based on the service I've received i feel this is just. 

look forward to hearing form you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
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:
the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
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 name is 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 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 explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2022-05-04
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
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 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.

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 2023-09-09
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  scammed me into sending money for investment Money sent thru XXXX and XXXX and XXXX XXXX  from XXXX to XXXX No delivery on promise and no return on investment and no refund Main fraud XXXX  account is XXXX {$1.00} 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 explanation
Consumer complaint received 2018-09-20
Company: Investment Retrievers, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Investment Retrievers is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but Investment Retrievers continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion, XXXX and XXXX have all failed to show me the LAW ( not code, policy or statute ) that gives them authority over a man or provided a wet ink contract I have with them that gives them authority to post information on the internet or give them a right to cause me financial loss, injury and harm when I do not owe any of these companies any kind of money or caused them loss, injury or harm. These scumbag companies will have 21 days to remove information I tell them to remove or I will be filing a monthly TORT CLAIM in the amount of {$300000.00} for stealing my TRADE MARK/TRADE NAME - IDENTITY THEFT ( taking my info a using it against me causing me loss, injury and harm ) - ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT _ DEPRAVATION OF RIGHTS UNDER XXXXOLOR OF LAW ( 18 USC 242 ) among other UCC/USC Violations . 
ALL THREE CREDIT BUREAUS are ordered to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX AND XXXX off my LEGAL FICTIONS/DEAD ENTITY REPORT - XXXX XXXX XXXX XXXX these companies will need to compensate me monthly for the abuse. THEY ARE ALL ON XXXX NOTICE AND IM NOT PLAYING GAMES.

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 2018-08-21
Company: STERLING JEWELERS, INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
last XX/XX/XXXX a collections company called and said they were a collection company trying to settle a debt for a kays jewlers credit card that my husband had. ( I cant remember the name of the company. ) So I set up a payment arrangement with them to pay the bill. I started paying on XX/XX/XXXX for XXXX a month plus a XXXX card fee. I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. The last payment was XX/XX/XXXX, for a total of XXXX. The company told me it would be under XXXX XXXX when I received my bank statement every month. I didn't think anything about it at the time, they told me it was a sub company that collected the money for them. they also told me that when it was paid it would come off my husbands collections. So when it was paid I thought everything was fine. But come to find out it never got reported as being paid and never came off. In XX/XX/XXXX another collections company called to talk to my husband about a collection matter to do with XXXX XXXX. they called a couple times and finally I told them I was his wife and they told me exactly why they were calling. to collect a debt for a XXXX XXXX credit card account. this time though they told me he had started paying for it back in XX/XX/XXXX and then stopped, which was true. I told them I had already paid that debt off last year to a collections company, but it didn't matter, they told me it was not them I had paid and they had the account, so it was still owed. so I asked them what to do then because I had already paid over XXXX for this debt.. so they looked into because i told them the companies name and they told me the cfpb had closed them down because they were a fraudulent company. I tried calling XXXX XXXX getting no answer. so I called XXXX main office and they told me they only deal with national credit adjusters and told me a few questions to ask them to make sure it was the right company that only they would know the answer to. so I did and they did so now im paying the right company. So XXXX XXXX is a fraudulent company that pretended to be an actual collection company and took XXXX from my husband and I, for a collection account they didn't have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company had previously been notified by myself as well as my legal representative to cease all debt collecting activities however communication continues with me as well as family members. Business also shared personal information such as balance owed with third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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.

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 2018-09-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit score and noticed activity on my credit report that I am not aware of. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
New car purchased at XXXX XXXX of XXXX ( Maryland ) on XX/XX/2021 with a combination of trade-in and new auto loan. 

Loan was granted ( also by Capital One ) on XX/XX/2021 but dealer or bank will not process payoff of loan linked to trade-in. 

Trade-in value for the car was over {$14000.00} while balance of loan for this trade-in was less then {$2000.00}. 

XXXX has caused additional interest charges and also need to make an extra car payment, and unnecessary and customer-unfriendly confusion to keep track of refunding of this excess payment ( I am not sure whether from Capital One or the dealer, or if dealer will keep the excess. ) Only after repeated calls did I get a call back from the finance manager, who then gave me condescending answers without answering why they would have received a 10-day payoff yet the loan was not paid off in 10 days. ( Today is XX/XX/2021 - 14 days after trade-in ). 

Dealer prominently advertises they offer auto loan through your bank. Please engage with dealer directly.

Company response to consumer: Closed with explanation