BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below 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 2018-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The modification process was underway with all documents turned in for review. Certain social security payment questions came up at the last minute and I was contacted by phone for clarification. I spoke to two different agents for over one hour. At the conclusion of the conversations The agents informed me all questions were answered and no other information was needed so the file was sent to the underwriters. 

Rather than my file obtaining a review I was surprised by a determination that my request for assistance was closed out due to social security income questions. After calling and requesting a in person meeting with the servicer I was told they could not meet to discuss my account as XXXX once did before the transfer. 

The servicer could not find record of the long hour plus conversations I had with the in house agents and explained I would need a court subpoena to get any phone records released for my records. 

I explained to the servicer that the Justice department had recently reached a settlement with the beneficiary of the asset backed certificate associated with my account. 

The servicer stated since I was not in a review and the sale date was very close nothing could be done. 

I reached out to the monitor of the recent settlement with DOJ and was informed that my account was with the legal team for research but it would be a good idea to contact the cfpb at once considering the pending sale date. 

The settlement monitor in New York stated I could be a recipient of relief based on the settlement but the sale date would need to be postponed to allow time for the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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 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 2022-11-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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.

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I GOT A LOAN FROM XXXX XXXX  AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON TRANSUNION.

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 2021-03-30
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: Account status incorrect

Complaint:
I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

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 2018-10-20
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I DONT HAVE AN ACCOUNT NUMBER FOR THIS DISPUTE BECAUSE OF THE ARROGANCE AND CORRUPTION OF XXXX XXXX XXXX XXXX XXXX NEVER SAW ME AND THEY NEVER NOTIFIED ME OF BILLING AND HAD THE NERVE TO REPORT THIS TO A XXXX CREDIT COLLECTOR WITHOUT MT KNOWLEDGE OF EVEN A BILL LET ALONE A COLLECTION. I checked into XXXX XXXX Hospital ( XXXX, Georgia- XXXX County - corrupt Government Hospital minoritys preferred - XXXX XXXX over XXXX & this Hospital Administration is corrupt ) Emergency room and the wait was hours so I left. I never saw a nurse nor hospital employee to take vitals - nothing. These people ( this Government funded Hospital ) billed me without my knowledge ... never a mail notification sent to my home address, not a phone call - nothing. Then these nefarious Hospital administrators reported this to a credit reporting Agency without my knowledge. This is unacceptable and who do these wanton unlawful non-law abiding XXXX XXXX Hospital Arrogant Administrators think they are ... I mean  really??!!?? No notification to me personally at all? THIS IS CRIMINAL AND I WANT TO FILE A LEGAL DISPUTE FOR HARDSHIP AND DAMAGES. This is not the 1st time this has happened. Years ago I beat up by a thug and rushed to XXXX Hospital in a ambulance and was in traction. I have them my insurance via my employer XXXX XXXX XXXX in 2009 and these XXXX XXXX Hospital Government Administrators under the Obama Administration did the same thing.. this time for {$9800.00} - reporting to a credit agency unlawfully as I had medical insurance and was covered and they did not notify me of billing, any balances, nothing! These nefarious employees filed a credit collections against me and requested the Trump Administration to drain this XXXX XXXX Hospital swamp! Take this off my report please by informing them of this dispute with you and want to sue them legally if not resolved immediately!

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 2021-04-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : Disputed transaction on virtual account XXXX Merchant : XXXX Date of transaction : XX/XX/21 Disputed amount : {$23.00} Dear Disputes Department, This dispute needs to be re-opened. The merchant has provided proof that the item has been received by the customer. However, upon receipt of the item, the customer found the merchandise to be defective. Congruent with the merchant return policy ( attached ), customer has made multiple attempts to return the item. The merchant return policy states that the merchant will send a postage-paid return label to the customer. However, merchant has failed to provide a postage-paid return label to the customer. 

Please see attached e-mails indicating multiple requests for a return shipping address and return shipping label. Such e-mails have been ignored by the merchant. 

Attachment 1 : E-mail dated XX/XX/21 directed to merchant requesting for a return label Attachment 2 : E-mail dated XX/XX/21 second request for a return label Attachment 3 : Merchant return policy Customer has also called merchant on XX/XX/21 to request a return label. Customer was promised to receive a return label but not return label was sent to the customer in order to return the item. The merchant is not complying with their return policy and hence the dispute needs to be re-opened. 


Please reverse the full amount of {$23.00} back to the mastercard account. 

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 monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : 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 2023-01-19
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT SYS As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a {$500.00} gift card on XX/XX/XXXX or XXXX I can't use it. I called the number on the back of the card and was told me will sent me a replacement new card.After ten days I received this new gift card but I found this new gift card isn't a new card. it is actived when I received. and I called the card campany to ask cleint help me active this card but she said, I can used it directly. but after 1 hour, I try to used this card, it not work, I ask my granddaughter to call the card campany again, but they asked my name and my granddaughter 's name and they said the name was wrong and they told me to call them by myself and I have to call again and again, I don't know what happened to this hour why they always saying my information is wrong, not my name, I asked to verify my address to them, if it isnt my card, how would I receive this replacement card, and then their attitudes are very bad, they dont listen to the explanation at all, and dont Solved the problem, only repeated that the name was wrong, I asked for ownership, every time I called them, they didnt solve the problem, even didnt give me the case number, I sent them my information by email, but there was no reply, I just want my card back, the gift is a new {$500.00}, but the original card is no longer usable, it's been a month and I lost the receipt, I only have this new replacement gift card, it's {$500.00} Amount that doesn't work, I think they lied to me by not wanting to give me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt originated in XX/XX/XXXXI was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a private loan in XXXX of 2008 to pay for school in the amount of XXXX. My father is a cosignor on this loan. Unfortunately this many years later I have only been able to secure employment that is equivalent to that of minimum wage, whether its not full time hours or a low hourly wage. I have rent, I have bills. My mother got sick in XXXX and my dad took off work to take care of her. Both have not been working. We have fallen behind on payments. I have done everything under the sun to fix this problem and I have come up with nothing. The loan is serviced through American Education Services and was originally a loan from XXXX XXXX, that has since changed to XXXX. I understand XXXX is in the middle of a lawsuit and I would like all the information pertaining to this as possible. When asking about deferment, forbearance, or forgiveness options, XXXX is very vague. I neglected to mention that the loan is now XXXX because all of the payments made have been towards the interest and not the principal. I have offered to pay the loan off in the amount of XXXX just so that this problem can be resolved I am awaiting XXXX XXXX response. This situation has me very stressed, angry, and depressed. I feel as if it is placing a strain on my relationship with my family. I am at a crossroads where I literally do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2022-05-13
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX  ) XXXX Balance XXXX {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/2016XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I asked the company to send me legal papers of the debt collection I have not received. I do not owe them the amount they posted on my credit report. And its affecting and impacting my life in many ways to have this debt on my credit report

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