BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Why are you indicating that XXXX XXXX XXXX XXXX # XXXX was 120 days late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, How are you sure the highest balance is accurate? Both XXXX XXXX Transunion are displaying {$0.00} highest balances. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 XXXX BANK - XXXX - CLOSED - XXXX - XX/XX/2021 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2022-06-20
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a credit freeze on my account and the company will not acknowledge my request. I have sent certified mail and I have not received any notifications from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Dobberstein Law Firm, LLC
State: WI
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:
Dobberstein Law XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX Lawsuit filed against me and I had no idea about the debt. Dobberstein sent all information to the wrong attorney. I am represented by XXXX XXXX in XXXX, WI. Dobberstein sent any notices for collecting debt to XXXX XXXX, who is not my attorney. There is currently a court hearing for a judgment filed against me in XXXX XXXX. I was not aware of the case until I received junk mail from lawyers to be represented in court. They have violated my rights by sharing my debt information with someone other than me, my spouse, or my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the accounts in my file that resulted from alleged identity theft but I have some accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For over a month I have repeatedly reached out to MOHELA for a refund of all payments on my account since the student loan repayment pause began which I am entitled to. This is a time sensitive matter and when calling their phone lines I keep getting disconnected. Before getting disconnected I sometimes am quoted a wait time estimate of over 2 hours which is completely unreasonable. Their web portal says I will receive a response within 10 days. I sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without a single response. When looking online for a solution I found no solution but found many others who are in the same situation as me, zero responses on their web portal and wait times that last longer than the quoted time before getting disconnected or having to hang up to get on with life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: TX
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 has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a 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.

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 2018-04-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent to XXXX  and Equifax copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to Equifax 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: CA
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 have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so

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: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call from XXXX XXXX with Convergent Outsourcing who stated that she was calling to collect a final amount related to my XXXX bill that service had ended on. 
I told her that I didn't understand because I have current service. 

She verified the service address. 

Again I told her I didnt understand. She gave me an amount of {$680.00} that was due, and an account number # XXXX, and told me to call to speak to a live agent at XXXX to resolve the issue. 
She also provided a call back number of XXXX. 

I called XXXX who confirmed that I do not have an outstanding balance. This was an old account number I had at XXXX and the XXXX  rep at XXXX again confirmed that there is no outstanding balance on that account number.

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 2019-01-28
Company: AMERICAN ADVISORS GROUP
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Wife and I took out reverse mortgage XX/XX/XXXX. American Advisors Group submitted fraudulent documents and took my name off deed .Wife died XX/XX/XXXX .Submitted required docs. to AAG XX/XX/XXXX was told by phone everything was fine. Problem arose with home owner ins.around XX/XX/XXXX per AAG .Home could not be insured because of damaged roof. I pointed this out to XXXX XXXX upon home inspection XX/XX/XXXX .He submitted fraudulent documents and told me it was no problem. All funds from loan were used to pay off 2nd mortgage as per AAG, and wife 's funeral expenses. I appealed to AAG to help with roof repair that I could not afford in able to insure home. There were funds set aside for home repair at this time. They explained to me I was not on loan or deed to property and home was in forecloseure. They have refused to speak to me or help me in any way since then. I am seeking to reinstate deferral period and mortgage. XXXX XXXX XXXX XXXX has also been unethical and fraudulent and home is in foreclosure in amount of {$190000.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Prosper Marketplace, Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX @ XXXX and she assured me that my autopay min XXXX for XX/XX/XXXX would come out on XX/XX/XXXX ( XXXX was a sunday ). 

Recieved email the XXXX indicating that my payment was past due Called @ XXXX spoke with a rep who indicated I wasn't set up for Autopay. Transferred to supervisor XXXX and she said " You don't have a late fee, and no payment was due until XX/XX/XXXX. To which I replied that doesn't seem correct, a payment should have come out XX/XX/XXXX. XXXX assured me that no payment was due until XXXX. 

Recieved an email indicating no late fee. 

Recieved an email on XX/XX/XXXX that my payment was still past due. 

Called and spoke with rep who Transferred me to XXXX XXXX, and she explained that bc I made my payment on XX/XX/XXXX ( stmt cycle ends on the XXXX ) that is why my payment didnt come iut as autopay on XX/XX/XXXX. I made a payment of XXXX today, and she assured me that my payment would come out on XX/XX/XXXX. I said " Hold on, I made my payment on XX/XX/XXXX, and my XXXX payment didn't come out, and I am making my payment XX/XX/XXXX, so with that logic it won't come out XX/XX/XXXX '' she said no it will. So if that is the case why didn't my XXXX payment come out?? She says that is different. Asked to speak with sup to which she says " No sup is available, I will have them call you back ''. I indicated I am still waiting for 3 sup calls from XXXX. 

Either the reps don't know what they are doing or they are trying to get more fees...

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Have no knowledge of this account, XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-06-08
Company: EQUIFAX, INC.
State: NC
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:
Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( Equifax, XXXX, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MS
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 been disputing with Equifax about accounts on my report that are reporting inaccurate and unverifiable information on my credit report. This issue has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. My last dispute was on XX/XX/2023, and I also wrote to them on XXXX. I have not received XXXX response back from them verifying this inaccurate information. There are several violations on my credit report, and know for a fact that they are to be reporting to the maximum accuracy as possible by law. I have also requested to know all the steps the agency took to insure those items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification. The accounts are XXXX Number : XXXX, XXXXAccount Number:XXXX XXXXAccount Number : XXXX, XXXXAccount NumberXXXX, XXXX XXXX XXXXAccount Number : XXXX, XXXXXXXX  Account Number : XXXX, XXXX Account number : XXXX, XXXXAccount Number : XXXX, CXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-07-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My father is the primary account holder of the family 's Chevron/Texaco card which is issued by Synchrony Bank. 

My father recently went into assisted living, so I called the card company to ask how I could manage the account, and I explained that I had power of attorney. ( POA ). They asked for the power of attorney document to be faxed to them, which I did. 

Then I went to get gas, and the card was declined. I called and they told me that there was a restriction on the account until the power of attorney documents arrived - this makes no sense, as the primary card holder, my father, has made no changes to the account at all, and until the XXXX arrives he is still the person they should talk to. In other words, they conflated the question of whom they could talk to about the account with the question of who the authorized users of the account are. 

Meanwhile, I was stranded with less than XXXX miles worth of gas, and was given no warning of the restriction. We would have been better off just never telling them about the XXXX, and instead I could have just logged into the account as my father. This is what we get for trying to do it the right way. 

We have been XXXX customers since 1962. It's really upsetting to be rewarded with loyalty this way.

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 2023-05-09
Company: EQUIFAX, INC.
State: CA
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 letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the erroneous reports of your bureau. This was already included in my prior COMPLAINT and I'm including it again. 

Please fix the disputed account : XXXX XXXX XXXX XXXX : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation