BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
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:
XXXX XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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

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 2021-02-25
Company: Biltmore Asset Management LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2021 Biltmore Asset Management, LLC, DBA Complete Verification contacted a third party trying to verify my identity. This collection agency deceitfully acted as employment verification entity to receive information on me. The front desk receptionist DID NOT verify my date of birth nor the last 4 of my SSN as requested by the agent of Biltmore. 

I called ( XXXX ) XXXX and reached Biltmore Asset Management, LLC which is classified as a collection agency. The representative advised me that she could not address any information regarding the account.

Due to this I request that Biltmore Asset Management, LLC and any other Name entity that they may use to do business -- cease all attempts to try to reach me or contact any third party that may represent my interest. This includes but not limited to employer, personal cell, mail, email, company phone.

Do not contact me. The company that is requesting information can reach me by US MAIL only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never had a contract or agreement with Cavalry Portfolio Service. The company has not provided verifiable proof supporting validity of a debt they are attempting to collect on. Although Cavalry has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with a credit inquiry dated XX/XX/2017 that I never authorized or consented to. These appear to be violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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 ordered a copy of my report in and I found out that credit reporting agency indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error, please fix this account as soon as possible. 
XXXX XXXX Balance : {$1100.00}.

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 explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: VA
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:
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XX/XX/ XXXX XX/XX/

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: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi there, I am in a series problem with a lender company, who has finance charged me {$7000.00} for only {$2000.00} for one year title loan ( more than 350 % finance charge a year ) my family and my XXXX children are struggling due to this loan, they have sent a two truck to pick up my car due 27 days late payment, but the our contract says if I miss the payment over 30 days, on that case they can tow my car, they gave my wife almost a XXXX XXXX, please investigate this company, I have a lot to say here for this matter, but i am concern about my privacy, please contact me for more information and rescues me from brutal people. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: The Thomas Agency, Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was very sick in XX/XX/2017 from XXXX treatment. I called the VA they told me to go to the nearest hospital. I could n't drive so i called an ambulance. They picked me up at my home held me as i walked down my stairs. I was XXXX and XXXX from the treatment and the lack of being able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Again the Veterans Administration Hospital XXXX in XXXX Maine ( actually XXXX  Maine ) Was responsible for the transport to the hospital by the Ambulance Company. And they were told 2 times that they were to bill the VA Hospital at XXXX Maine. 
Then when they sent the bill i told them again that they were to charge the VA hospital. 
I only received that one bill from the City of XXXX Maine. 
No other bills were sent. I had sold my home by that time and was moving to Florida and I did put in a forwarding address at the POST OFFICE. But I still never received a second billing so I assumed that the matter was settled and the VA paid the bill. 
Any way I started getting harassing phone calls from a Thomas Agency.  They kept harassing me over and over and over again. I blocked all their numbers and stopped them from calling harassing me. 
I had explained to the City of XXXX that they needed to bill the VA Over and over but they did not follow my instructions so what can i do about that? If they had submitted a bill to the VA then they would have been paid. But they did not. So I can not help that. So they were upset because they didnt follow the instructions and sold the debt to a company that harassed me over and over and over again for their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We took out parent plus loans for our son the college just kept adding to our plus loans and not to my sons loans. 
We have been struggling since 2005 with major health issues at this point my wife is on XXXX her loans are on hold. 
The only help Navient and Salliemae gave was deferred payments and forbearance every year a struggle to get some help only option was forbearance. 
We are now expected to pay more than our mortgage payment on these loans which would make us homeless. 
We have been sending a {$100.00} good faith payment all we can manage at this point. 
We are not refusing to pay but stop charging interest on top of interest and help us so at least a payment makes a difference we will never be financially sound as we grow older and retirement and old age faces us. 
No amount of talking hours on phone even to ombudsman can get any compassion in the meantime a XXXX XXXX loan is now almost 75000 $ something has to be done. 
As the person at Navient said the compounded interest pays my salary therefore no incentive to be of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Last year on XX/XX/XXXX. My husband XXXX XXXX. We had a XXXX loan with mortgage insurance. I Called XXXX XXXX/XXXX ( spelling ) and informed them. First of all they only record calls they want. I explained that my husband passed suddenly. They would n't speak to me because my name was n't on the loan. Last I looked Calif. was a 50-50 state. When I finally was able to speak with someone they wanted the death certificate. It had n't even been published yet! We were not behind. But I did send them a copy and they signed for it. I was then told I had 3 days to vacate my house or they would send the sheriff to put me out. I got so XXXX I ended up in the hospital with XXXX XXXX. i told them I would need at least 3 months. So as not to become homeless or a bag lady, I sold everything and purchased a substandard home in another state. They told me not to worry about owing on the house because nothing was in my name. Then every month for a year plus they sent me bill after bill while saying they did n't have to talk to me or offer me squat on saving my house there. They said the house was foreclosed on and sold in XX/XX/XXXX at auction. Then Shellpoint mortgage opened an escrow in my XXXX husbands name and has started sending me bills! I called them twice. How illegal is it to open accounts in a XXXX persons name and then harass the widow each month by sending them a bill to their XXXX husband? Each month it rips open the wound of losing my husband. I want them to stop, my health is not great. Their should not be any accounts opened in his name period by any predator, sham companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2022-10-15
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:
on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX 3 letters was sent each to different credit bureaus XXXX, XXXX XXXX TRANSUNION and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

1. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account XXXX : XXXX Account XXXX : XXXX 4. Account XXXX : XXXX Account XXXX : XXXX 5. Account XXXX : XXXX Account XXXX : XXXX 6. Account XXXX : XXXX XXXX Account XXXX 7. Account XXXX : XXXX XXXX Account XXXX : XXXX 8. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX Account Number : XXXX 10.Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX 12. Account XXXX : XXXX XXXX XXXX Account 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 2018-11-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
WELLSFARGODEALERSVCS CLOSED XX/XX/2018 WITH A {$3100.00} AMOUNT THIS IS IMPOSSIBLE DUE TO IT 100 % PAID OFF

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 2020-09-01
Company: Colony Brands, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SWISS COLONY failed to give me proper validation of this debt.

I mailed SWISS COLONY a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2018-07-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018, I filed a complaint against Transunion with your organizaiton in regards to an error on my credit report, they never responded or verified the information. On XX/XX/2018, they reported a late payment on my account. I went on-line to submit a dispute and received an error message that I could not submit dispute online. I called the XXXX number and reached someone that did not speak or understand English very well. He obtained my information and said they would investigate my dispute. During this period, Tranunion has continued to decrease my credit scored first by 30 points, now today by 70 points. From XX/XX/2018 until today, my credit score has dropped a total of 100 points for an error on in my credit file showing a late payment. I can not reach anyone and I don't know what to do

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 2018-07-23
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: Public record information inaccurate

Complaint:
On XX/XX/18 and XX/XX/18 I sent in 609 letter asking XXXX  to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review records.

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