BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX Bank has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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

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 2023-09-11
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I have tried to remove these accounts from my credit reports. I have filed the correct paperwork and nothing has happened. I have asked for copies of the process per the FRCA and still nothing has happened. My paperwork is not being attached to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
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:
A letter dated XXXX  came in the mail on XXXX 

I wrote a Validation Dispute Letter dated XXXX and sent it to the email on the letter ; company did not respond. 

On XX/XX/XXXX I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent another follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX Again I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent my last email correspondence. 

I also sent 3 letters to the 3 addresses listed for the company on the form ( intentionally super confusing ) + 1 certified letter to the apparent po box .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2023-08-09
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2023 i went inside the speedy cash pay loan day to pay XXXX cash and i did NOT got the loan back. I was going on vacation on XX/XX/2023. So decided to pay the loan off. On XX/XX/2023. They withdraw another XXXX of my account i contacted them on my vacation time arguing the issue. Yes, i did made a, mistake of not getting the received. As, i told the manager you should see the camera and see that i pay that the the full loan and not re load. i have been fighting this for a while. i have visit other payday an it look that we have a few employee that do take your money but DO NOT process the information of the payment and keeping the money. Now i explain to my back. The bank has the information that i withdraw XXXX on that day. Like i told my bank, after i withdraw the money around XXXX to XXXX minutes i when to pay speed cash advance right behind their office. i pay my load and theXXXX XXXX and they double charge and dont want to look at the camera to confirm what happened. There's some people that go to re-load their card and the clerk don't load the card. They have been stealing money for customers. The clerk that did my stealing, i go there and she smile at the situation and the other guy XXXX  XXXX  ones i walk in. Please i work so hard for my money to pay them and they want to steal my money. I lost time, gas, been under stress and health issues behind this people. please make sure that you request does video if they not erase those videos already. The manager she said her name was XXXX she give phone numbers to call but no good numbers. She was so rude she told me for me to go to a website and look for the video on that day. I told her you should look at them you have access. She said for me to do it. She also said that she wasn going to blame her worker. Like i told her i been coming here for a while if you didnt took my extra money i would not be fighting. I told her that they need to stop doing this things to their good customers. I say they don't fight but i did pay on the XXXX XXXX and i need the money that you withdraw extra from my card. Please help me with this matter .please look at the video. XXXX XXXX approximately between XXXX XXXX to XXXX XXXX  you will see me there. 
INformation : Speedy cash, XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX Manager XXXX maybe a wrong name too. please contact me regard this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: 77 Elite
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a call form a company called XXXX XXXX their XXXX XXXX 77 Elite about an opportunity for loan forgiveness and claimed to be associated with XXXX. They claimed I would get loan forgiveness through their federal program after paying 20 low payments on my overall loan dept by over {$7000.00}. They asked for my XXXX ID and password as well. They also requested my 2 most recent pay stubs. They required an upfront payment of {$240.00} on XX/XX/XXXX and 3 more payments of {$250.00} in the next 3 months and states I did not need to make payments to my student loan servicer during this time. I also did not send the remaining paperwork to this servicer and somehow they decided to charge my credit card anyways. After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. After reading about student loan scams I immediately cancelled payment and called XXXX XXXX to cancel their service. I found out months later than they had consolidated my loans anyways through XXXX XXXX XXXX. I recently was contacted by phone informing me that I would be taken to collections. I later learned that their information was false/fraud and that I did not qualify for the public service loan forgiveness through XXXX I believe this is a fraudulent company and was informed that many of their actions were in fact illegal. 


Take Note : " After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ENCORE CAPITAL GROUP 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 COMPLAINT IS FOR MIDLAND CREDIT MANAGEMENT. THIS COMPANY HAS BOUGHT AND STOLEN MY NONPUBLIC INFORMATION IN THE ATTEMPT TO COLLECT A DEBT THAT HAS BEEN DISPUTED AND REMOVED FROM MY CREDIT REPORT MONTHS AGO. I DONT HAVE AN ACCT # FOR THIS COMPANY BECAUSE I NEVER CONTRACTED WITH THEM OR GAVE CONSENT TO CONTACT ME ON THE MATTER WHICH IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. I ALSO KNOW THAT THIS IS DECEPTIVE CREDIT PRACTICE, DEFAMATION OF CHARACTER, EXTORTION, AGGRAVATED FRAUD AND THEFT. I HAVE FILED A FTC REPORT AND IM GIVING MIDLAND CREDIT MANAGEMENT 4 DAYS TO REMOVE ALL FRAUDULENT ACCOUNTS FORM MY CREDIT REPORT. THIS IS A NOTICE TO CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT BUYING DEBT AND ATTEMPTING TO COLLECT ON IT IS A VIOLATION OF FDCPA AND IF NOT CORRECTED I WILL BE AGGRESSIVELY SEEKING JUSTICE AND FILING FEDERAL SUIT FOR EVERY VIOLATION APPLICABLE FOR VIOLATING MY CONSUMER AND PRIVATE RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance claim check which followed my New Rez mortgage was transferred to New Rez Shellpoint starting XXXX. The final check due to me XX/XX/XXXX was not sent but transferred to Shellpoint which I have received no written or electronic information on how to contact their claims check process. I called the company yesterday morning XXXX, was placed on hold for 20 minutes and hours later received an illegible voice message. I called back twice today and was put on hold upwards of 20 minutes each time after being transferred several times to unknowledgeable representatives who first told me there was no record of the funds and then that is was under a different servicer. Finally I was told the final payment of {$11000.00} would not be paid for 45 days and this is standard for new loans. ( My loan is not new - it is existing which was transferred to a renamed company ).

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 2023-07-27
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:
I am a XXXX student that will be attending XXXX XXXX XXXX in XXXX. I was approved for a XXXX XXXX loan through XXXX. However, when I tried to get a small private student loan from XXXX XXXX, Transunion reported to XXXX XXXX that I have student loan delinquency. This is not correct, I have confirmed this with my servicer XXXX and studentaid.gov. When I called Transunion to get information they told me that they could not provide who is reporting the delinquency and I am not showing any other servicer or delinquent account anywhere. This has caused me to be denied for my private student loan and now have to wait before I can apply again because I have no way of trying to obtain a private loan until Transunion is showing accurate information. I do not have any delinquent student loans and I only have onXXXX servicer, XXXX, who has confirmed my information as in good standing.

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 2024-01-04
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

15 U.S. Code 6801 - Protection of nonpublic personal information 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods 15 U.S. Code 1681a Financial Privacy Act of 1978 Privacy Act of 1974 [ 5 U.S.C. 552a ] Iv'e been challenging the information on my consumer report for quite some time with XXXX, TRANSUNION AND XXXX even though all 3 agencies were in data breaches and obtain my personal information that I the consumer have to fight for. I've read all of their policy rules but they do not abide by them and the representives for the company will LIE ON THE CALLS. As well as they are advised to record the calls for security measures. I was advised as well.

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 2023-09-11
Company: EQUIFAX, INC.
State: MI
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:
15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to XXXX, XXXX and Equifax. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2023-07-27
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:
In XXXX of 2022 a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you

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 2021-05-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HSBC Bank requested additional information from spouse on or around XX/XX/XXXX via postal mail, which we were unable to provide in a timely manner. The account was marked as " hold '' and unable to withdraw funds as of XX/XX/XXXX. Spouse requested for the account closure on or around XX/XX/XXXX to the escalation/fraud department. The department agreed with the request and promised to close the account and send the funds. Spouse called back on or around XX/XX/XXXX requesting a status update. HSBC confirmed that the account was closed. 

The total amount of funds is {$2700.00}. This was an electronic deposit done via their mobile app. No indication of closure has been received either via postal mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This XXXX XXXX account was paid back in XXXX and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX  directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no 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
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The closed accounts on my credit report does not belong to me the addresses are not mailing addresses for me. The list of accounts that does not have up to date addresses shall be removed are, 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