BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-05-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted XXXX, XXXX, and Equifax about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These three companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX U.S.Code 1681 ( a ) ( 4 ) states the consumer 's right to privacy. 

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, XXXX, and Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ).

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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:
Sometime between XX/XX/XXXX and XX/XX/XXXX my creditors went missing. Please see screen shot with list of 22 revolving accounts - 1 mortgage - 2 installments a total of 26 open accounts - none negative. some how my report " split '' off and I have a merge with someone else 's files. Please see attached screen shots. You can see im using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can see the history of my report from pull down of old accounts showing and now not showing with most recent report. Two accounts that are reporting are not mine are XXXX XXXX XXXX XXXX XXXX in charge off / collection status. They are currently under dispute and need to be removed from my report. I have tried to get someone from Equifax to help me they said they opened case # XXXX but no one knows what that is. I speak to reps from office of consumer affairs and are rude, disrespectful and not helpful. Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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:
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XX/XX/XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2023-01-25
Company: Aldous & Associates, PLLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called a company called also us and associates but it was a scam article in XXXX search. They wouldnt take my payment for the debt but tried convincing me to dispute the debt. This was after he took my info. I.e credit card info, social security, date of birth, and address, and also email. The attached photo is a screen shot of the email sent from said company they wanted me to sign a contract. My name isnt even spelled right and that was my first red flag

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX XXXX ) XXXX XXXX  ( Balance ) {$1800.00} Opened : XX/XX/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 2019-02-01
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with Lendmark Financial Services. My payment is due on the XXXX. I had to change apartments due to mold & constant violence & then the snow storm hit, which left me flat broke. I inform the lender of my situation and that I could make the payment on the XX/XX/XXXX. Their agent " XXXX '' told me that was unacceptable and they could not take the payment then ( the payment would not have been 30 days late ) ->harassing phone calls and letters started. Then On the XXXX they called me for the payment..?? This is harassment by predatory lender, either you want to work with me or not. I have taken steps in retaining an attorney to mediate the matter, but in the meanwhile I need for the harassing phone calls to cease. According to the law as long as the know where I am at all times, the constant phones and harassment should not be happening. I see why the state of NY sued lendmark. I have been thru enough with this company, they have warn on my peace of mind and faith in fair business practices. I have placed complaints on AND with this company before. In my findings its has been the only way the I and others have received any fair result. The previous complaint I had placed, went well the headquarters/main office were fair and I had no problems this is just on the local level where problems arise. I can no longer afford this loan which I have explained several times, the interest rate of 29 % is taken a toll on me financially especially with last series of events and now mentally. I did not give a closing statement to that complaint b/c I knew i would still be faced with more problems later on. Not just my opinion hundreds of people have & are going thru the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i was supposed to receive a refund {$430.00} from XXXX on the account number ending XXXX and also another refund from the checking account ending XXXX {$23.00} from XXXX and the refunds are showing pending on both of this checking account and the funds are not yet available this funds are supposed to be available for immediate used and M & T Bank Has Not Release this Funds Back to my Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Tate and Kirlin Assoc
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: Information belongs to someone else

Complaint:
About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX confirmed the debt, without validation as this is NOT my debt, I have never had business with Tate and Kirlin Associates. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like Tate and Kirlin purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company  claimed to own ( XXXX XXXX XXXX ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away suddenly in XXXX of 2016. I had to bury him and so I got behind on my Mortgage, I tried to do modifications over 7 times. They kept responding with different answers. I finally had to file a chapter XXXX to stay in my house. I am not on the loan, but I am on the Deed, since I am the surviving spouse. I have 5 acres of land in the middle of my small town, and property is very hot at this time. My real estate lady told me I could sale overnight. I wanted to pay off some of my debt from his funeral and to catch up on my house note.I spoke with a supervisor named XXXX who understood that I did not have the funds to have property surveyed etc. He told me to write a letter to him explaining in detail what I wanted to do. I have faxed 10 pages with death certificate to them on two occasions 1st on on XXXX the XXXX and then again on XX/XX/XXXX from the XXXX store in my town. I paid {$10.00} each time. I them mailed a USPS letter envelope and paid {$7.00} for it. They are telling me they have never received anything from me at all. I need to resolve this issue, due to the fact they are not telling me the truth about anything. I have even asked for upper management, I also left a message for XXXX to call, no call has been made to me at all.

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 2021-05-28
Company: Consumer Adjustment Company Incorporated
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CACi has continued to contact me regarding a debt that they have refused to validate. I submitted a debt validation letter to CACi via USPS certified signature return mail which CACi signed for on XX/XX/2021. After ( 30 ) days from their receipt of the letter, CACi still had not responded to me nor provided me with the debt validation that I requested. After XX/XX/2021 I was still receiving phone calls from CACi, so I filed a complaint with CFPD. Shortly after the phone calls stopped. 

On XX/XX/2021, at XXXX XXXX EST I began receiving test messages from CACi from XXXX ( XXXX ) XXXX asking me to click suspicious links and to respond to the text message. CACi failed to respond to my validation request and therefore needs to stop contacting me immediately, otherwise I will seek legal counsel. 

NO PII is being included in this complaint VIA CFPB 's instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a payment of {$3000.00} was sent to XXXX. The check was cashed on or before XX/XX/XXXX which is when it cleared my bank. A copy of the check, front and back is attached. It has previously been provided to Synchrony Bank. 

Synchrony Bank which handles XXXX master card, has three times given credit for this payment and three times has reversed itself and says the amount is still owed. A copy of their lastest reversal is also attached. 

This problem has been going on for over a year. I requested arbitration in XX/XX/XXXX to resolve this matter and they have not responded yet to the arbitration request. 

The credit card number stated below originally ended in XXXX, but because of fraudulent charges after the above payment, the card number was changed to the one stated below.

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 2019-10-28
Company: Colony Brands, Inc.
State: NY
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:
ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX  RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is allowing a creditor to break the law as it continues to report a paid off item that the bureau refuses to stop reporting. Rather than taking ownership and helping the me, as a consumer, and addressing the NY state violation with the creditor, they have instead advised there is nothing more for them to do in order to permanently remove an old record from my consumer report. The creditor has total control of what continues to be reported. The creditor has no legal right to continue to report on this closed issue. Rather, Experian needs to take responsibility, as a consumer credit report bureau and inform the creditor that it can not legally report paid off accounts after 10 years. Experian is allowing the creditor dictate how long an item is allowed to stay on my credit report even if it violates the law. This is egregious and displays weak controls and the ownership of the information that Experian is allowing to remain on my credit report. I attempted to dispute this issue with Experian but it was to no avail. Experian deflected and was indifferent on the matter. The Experian dispute ID is 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