BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, Transunion, & XXXXXXXX. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.

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 2018-07-27
Company: Financial Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling and harassing me. I advised them to send me a letter stating specifically what is owed and who the original creditor is. They state theyre not sending a letter. They also assume that Im XXXX XXXX, and try to verify the last four digits of my social security number and date of birth. I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : I received an alert from XXXX, XXXX and XXXX about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to XXXX  by XXXX. I have received a response that clearly violates my rights according to HIPPA. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
there Are items on my credit report that i have disputed and i haven't received any results about the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I'M LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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:
last reported XX/XX/2019 Balance {$360.00} Mailed and fax disputing this account.

Called the hospital and also disputing this account to them, no change.

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 2019-08-13
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:
I was able to get the public record on my transunion credit report removed because they lied about who was the data furnisher, now I called them and told them that I wanted to dispute the accounts that were included in the public record because the public record isnt present any longer, first I spoke to some female who after I spent 40 minutes on the phone with giving her all the account names and account numbers, she tells me that their system is having an error and that she couldnt help me so she decided to transfer me to another guy who started telling me that there is a statue of limitation for these accounts. I know the law and I know what the FCRA says about credit reporting, everything on my credit report needs to be reported accurate 100 %, there cant be any errors on my credit report, I want these accounts removed from my credit report because there is no bankruptcy on my credit report any longer and they are being reported inaccurate. How is it possible that after I gave this female all of the information, she tells me that there is an error with their system, I will do my best to get this problem resolved even if I have to file suit against transunion for defamation of character. I feel upset at the fact that this company needs to lie just because they dont want to delete information from my credit report, even when they know that the information is being reported inaccurate. I will also contact the attorney generals office where I live, me as the consumer have a right to dispute inaccurate information and the FCRA allows me to do so. Delete the following accounts immediately. 

XXXX  XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX  XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXXXXXX - Account Number XXXX XXXX - Account Number XXXX XXXX   XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Opened XX/XX/XXXXXXXX XXXX - Account Number 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 2023-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/XXXX please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX-XXXX,XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names 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 2021-07-15
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have received a letter from Selene Finance regarding the escrow shortage amount of {$750.00} on XX/XX/XXXX. 

On the letter shows I need to pay {$750.00} or my monthly payment will increase {$62.00} a month. 

Selene Finance took over my mortgage service since XX/XX/XXXX and started causing problem. 

At the time Selene Finance notice us the escrow shortage of {$750.00}, we received a check from previous title company shows that there was {$750.00} left in the escrow account. 

Selene Finance does a poorly job and keeps telling us it is due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in 2003 I was attempting to apply for an auto loan and I was working at the City of XXXX at the time, the only odd company I divulged my personal information out to was XXXX XXXX shop and I found out that their main office is located out in Florida. After this happened I was denied an auto loan from the local banks. I started receiving past due bills from stores I have never heard of XXXX, we do not have a XXXX in Alaska. Stores with this type of names were unknown to me, and other bills that had a billing location of address out in Florida, I reside in Alaska. 

The only other encounter that I ever had was when I had co-signed a loan with a family member, and I will never do that again, because they had given the car to their other in-laws and the payments went into default so this happened for a few months, I immediately went to the bank and paid 3 months of back due loan payments for something that was not never in my possession, so I gave that approximately $ XXXX {$2000.00} out for free?!!? 

It has been well over 25 years now and I had records of clearing this with Federal Bureau of Investigations ( FBI ) way before this website was developed. I had to file a police report ( s ) either with the FBI or local Florida police and kept telling them the address ( es ) because this person who stole my identity was moving and relocating and continuing to destroy my credit history. 

I was told that anything beyond 7 years is cleared history of financial downfalls by the bank industry. Correct me if I am wrong, but this is what was told to me. I have re-established all of the credit history and have had problems and been overcoming them 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 2022-04-04
Company: Flandreau Santee Sioux Tribe
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A mediation company named XXXX XXXX XXXX XXXX call me from the number XXXX. They told me I had an unpaid debt owed from Everest Cash Advance and that I was being reported to XXXX for fraud reported by XXXX XXXX XXXX due to using a check as collateral and closing the account before the collateral could be paid. They could not tell me the date of this purported fraud other than that it was reported XX/XX/2015. I supposedly owed {$2800.00} but due to Covid relief I could settle for 50 % of that over the phone. They told me repeatedly that they were not a debt collector but wanted to know if I wanted to settle the account before they reported it to XXXX which would then freeze my current bank account for up to 7 years. They were quite rude and hung up on me several times. I called them back several times and they said they would send me written notice but I have not received anything. 
This is a link to their website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$6500.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not 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 2019-08-13
Company: BROKER SOLUTIONS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against New American Funding ( AKA Newamerican Funding ), whose address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I have a mortgage loan with them which requires monthly payments of {$500.00}. 
On XX/XX/XXXX, I wrote a check ( No. XXXX ) in the amount of {$500.00} to Newamerican Funding for a loan payment due on XX/XX/XXXX. On or about XXXX, XXXX, a representative from Newamerican Funding called to inform me that they had not received the XXXX payment. I told them about having mailed it on XX/XX/XXXX, but they said it had not been received. In order to avoid late charges, I immediately made payment via debit from my checking account. I then asked what would happen if the check was eventually received. They said it would be credited toward principle on the loan. I said I did not want this and recalled them saying I would have to put a stop payment on the check ( Newamerican claims they reviewed the recording of the conversation and that the agent never said anything about placing a stop payment on the check. However, Newamerican refused to provide me with a transcript of the tape and refused to provide the name of the agent I talked with ). 
On XX/XX/XXXX, I placed a stop payment on the check to make sure that if it was stolen, it could not be negotiated. However, on XX/XX/XXXX, Newamerican wrote me that my most recent loan payment had been dishonored by the bank for a stop payment and that they were charging me a {$25.00} fee. Apparently the payment had shown up, and despite my discussion with Newamerican, they cashed it. IT IS IMPORTANT TO NOTE THAT NEW AMERICAN FALSELY STATED THAT THE CHECK WAS A LOAN PAYMENT. In fact the required payment had already been made and nothing was due until XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I contacted Newamerican about the unauthorized {$25.00} fee. The most recent conversation involved agent XXXX XXXX and Supervisor XXXX ( refused to give last name, said his code was XXXX ). Both claimed that New American did not authorize a stop payment and that I had to pay the fee. 
Newamerican was not authorized to cash the check lost in the mail and was not due any money on the loan. Despite this, Newamerican knowingly and deliberately placed me in the position of having to pay late fees or stop payment fees in order to obtain funds they were not entitled to receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: OH
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:
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 has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Avant Holding Company, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am following up with my complaint from XX/XX/2021. I emailed the documents to Avant Credit to three different departments. I have uploaded what was requested. I was verbally notified that I received an email to upload photos and that is as true as the two time mail correspondence from last year. I did not receive any of the claimed mail or email.

Company response to consumer: Closed with explanation