BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) states that I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an 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 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
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:
Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT charge off this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violating 15 USC 1681e ( b ). This is fraud at its finest and I DEMAND this account be removed from my credit report immediately!! 
XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this XXXX XXXX XXXX account is popping up as inquiry on my credit profile. I have a XXXX  XXXX XXXX XXXX XXXX XXXX. I never applied or authorized for anyone to use my information to open up a credit account with XXXXXXXX XXXX XXXXXXXX. This inquiry is Unauthorized and violating my FCRA rights. I want it removed from my credit profile ASAP!

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 2015-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting this follow up complaint to the Experian, XXXX and XXXX Credit Bureaus today to remind them to remove the fraudulent inquiries in my report and along with this was my identity theft report that I filed through FEDERAL TRADE COMMISION and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which was being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission, that needed the Bureaus immediate attention : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to XX/XX/XXXX of when the police report was filed. 
Since then XXXX, Transunion, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, Transunion, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX  XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, Transunion, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I didnt authorize 42 inquirys to be extact I have tryd every step the reporting agency asked me to do they have failed to do thier prt

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 2023-08-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit Bureaus NEVER Did Proper Investigationaccording to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE The credit bureaus stated this account was properly investigated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL They Also Violated the law because according to 15U.S.C 1681 Section 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Section 604 A States a Consumer reporting agency can not furnish an account without my written instruction. 


I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The phone number that the company is calling is not a number that I have listed as a contact number for myself and have asked them repeatedly to stop calling the number they are calling.

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 2018-04-16
Company: Sequoia Financial Services
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a debt with XXXX XXXX due to an car accident which took place in XX/XX/XXXX. In XX/XX/XXXX, I was notified that my license was in the process of being suspended. I set up arrangements with Seqouia Financial in XXXX XXXX, CA. I initially paid {$200.00}, and agreed to pay {$100.00} a month until paid. In XX/XX/XXXX, I was laid off and began receiving unemployment in XX/XX/XXXX. I made the required payments until my unemployment exhausted in XX/XX/XXXX. My loan recently defaulted and I was told my license would be suspended on XX/XX/XXXX, during a routine traffic stop. I had not been receiving mail because during my layoff I had to move with my parents. On XX/XX/XXXX, I spoke to XXXX XXXX who stated he would reach out to his manager to see if my payments could be reinstated. The following day I spoke to XXXX XXXX, and I provided him with a {$100.00} payment. He then said he was 99 % sure he could get his manager to resubmit a promissory note notarized by Sequoia. I explained I wanted to do arrangements, and that I needed to avoid suspension in order to continue driving 2 hours each way to work. Otherwise, I am unable to get to work and will not have funds to pay. He agreed to speak with his manager. I waited two days with no response. I then spoke with his manager XXXX who totally violated the FDCPA. He barely listened said he would speak with his manager who never let me speak with, and told me if I kept explaining my situation he would just say no. He told me he wasnt the one who smashed into a parked door. He proceeded to tell me in a later conversation that he would only accept a {$700.00} settlement and would not work with me to keep my license. He placed me on hold without annoucement. He lied like XXXX XXXX makes the rules on how they handle default, but after speaking with XXXX XXXX they are saying its the collection procedure which govern how the debt is collected. I am being provided false and misleading information, while being belittled. As I stated to them, I called willing to pay but I am being treated with ruthless collections tactics. Also, I asked for contact for escalated complaints and was told the owner at the address ( he did not provide an actual name or address ), the parties dodged actually giving me concrete information to file a complaint with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX company keeps opening and closing my charged off account since XXXX  so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home mortgage was sold to another company ( Mr. Cooper ) without any input from us. Shortly after the mortgage was sold, I signed up for electronic delivery of all communications in an effort to be green. The terms I agreed to, which are still on the web site, read : " By registering for paperless delivery, you agree to receive all account communications electronically. '' At some point in the last year the mortgage company did not have adequate proof of insurance, although they had my mortgage company on file, as well as the policy information from the previous year. Rather than reach out to the insurance company or send me an email ( as the terms stated they would do ) they claim to have sent several letters via USPS demanding updated proof of insurance. I did not get them, nor was I looking for them since I had already agreed to receive all account communications electronically. Without action on my part, they began auto-withdrawal of several thousand dollars from my checking account to cover the insurance that they decided I needed. I noticed the larger amounts and saw a recent letter they had sent ( again via USPS ) with a reminder that there was lender-placed insurance on my account. Only with the help of my insurance agent did I learn that they had been overcharging me, and now I am wading through the mess of trying to get the funds back. They acknowledge the error, and will put the money in my escrow account, then once the money is there I can request a check from them. 

It is absurd to me that they can ignore the terms of their own agreement, change the amount debited from my account without my consent, then hold my money hostage until they clean up their own mess. I pay them interest on the money I am borrowing from them, it seems only fair that they should have to repay the money they took from me with an interest penalty. None of the agents I have spoken with think this is even a remote possibility. 

Assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST XXXX   DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO CITIBANK. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT CITIBANK ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT CITIBANK HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.

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 2022-09-06
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since 2019! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.

Company response to consumer: Closed with explanation