BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

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 2023-04-04
Company: MOHELA
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: Account status incorrect

Complaint:
I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/2022 payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a federal employee. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Asset Recovery Group, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified about a debt through a lawsuit. There is no information provided about the debt owed. After a review of medical bills and health insurance records, I find no debt owed to the XXXX. Now, this debt collector is threatening me with legals fees and seeking a settlement. The alleged debt owed is {$570.00} and a lawsuit is a very heavy-handed approach. I'm not an attorney and it's costly to hire one for the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.Ally financial and XXXX XXXX of XXXX violated the military lending act. I joined the military XXXX XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. 
Did you notice that she didnt investigate the MLA which was violated. 
I need to be compensated for all the damages that occurred + XXXX for down payment. 
In the contract as a military member I was financed XXXX XXXX  The XXXX needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). 
MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( XXXX ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, XXXX XXXX, or XXXX XXXX. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. 
In addition to regulations, in XXXX the XXXX issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. XXXX question-and-answer in the XXXX guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX amendments mentioned above, the XXXX stated that the interpretation applied to secured motor vehicle loans, too. 
Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included XXXX XXXX would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % XXXX limitation, but also to the prohibition against securing the transaction with the vehicles title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-30
Company: National Credit Adjusters, LLC
State: TX
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:
Company not following FCRA guideline when it comes to reporting and validation. I sent this company 5 letters for a validation of debt over a 6 month period. Received no response. In legal terms meaning you have 30 days to respond in which Ive yet to receive anything. They continuously keep re-aging the account and keep reporting negatively to the 3 credit bureaus. They even have the account set as open when its closed which from my understanding is in fact ANOTHER error. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b2. Company also has No permission to report ANYTHING using my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2019-11-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  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 explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
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, 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 explanation
Consumer complaint received 2023-06-24
Company: SECURITY FINANCE CORP
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told them I am out of a job and looking for work, but they continue to call my friends and family after I told them to stop. 

They said they would stop, but did not. Now my friends and family are angry and not sure what they can legally do about it. 

I have no money, no food and no job, I can't pay what I don't have. When I get a job, I will pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  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 explanation
Consumer complaint received 2022-06-16
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: Account status incorrect

Complaint:
I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF ED/ XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate this account is reporting inaccurate and incomplete information. You guys are reporting this account twice with two different sets of information, please update this account and send me a copy of my updated credit report reflecting this information.

Account Name : XXXX Account Number : XXXX Please investigate this account each credit bureau is reporting a different date of last activity for this account. Equifax- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. Equifax and XXXX are reporting this account is paid as agreed. XXXX is reporting this account is currently pass due 6 months. In addition, this bank is no longer open so why are information related to this bank appearing on my credit report. Please validate this account or delete it from my credit report immediate. 


Account Name : XXXX Account Number : XXXX I also believe this account is reporting inaccurate information, please verify this account information is correct. 
Each bureau is reporting a different date of last activity. 
Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account Name : XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: SYNCHRONY FINANCIAL
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Entered into agreement to purchase hearing aids for my husband.  At time of purchase I was offered interest free for 1yr. First payment was in the amount of {$100.00}. I paid {$150.00} for the next 11months. Those dates were from XX/XX/XXXX to XX/XX/XXXX. Total amt pd at this point was {$1600.00}. I then sent them on XX/XX/XXXX another {$150.00}, I sent another {$150.00} XX/XX/XXXX, I then called to get the final payment amt. to close this acct. I was informed that I needed to pay {$540.00} for bk interest as the free interest was only offered for 11 m.I immediately over the phone gave them my debit card to pay the {$540.00} to satisfy this loan. 13 months later I am receiving a bill in the amt of {$100.00}. I have sent letters, I have called them numerous times. At this time my original contract was in the amt of {$2000.00}. As of this writing I have pd Synchrony Bank formerly known as Allegro Credit {$2400.00}. As of this writing I feel they owe me {$400.00}. They have been harassing me by phone at least by 57 calls. I have written to them only to receive nothing in return.

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 2023-08-19
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: Was not notified of investigation status or results

Complaint:
I have been in constant communication with XXXX, TransUnion and XXXX for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX TransUnion Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX, TransUnion and XXXX has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.

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