BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : 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 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 2023-04-25
Company: LEXISNEXIS
State: NJ
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: Public record information inaccurate

Complaint:
I obtained a report from LexisNexis and they are reporting a bankruptcy on my report. I disputed this information as the bankruptcy information is incorrect. Under the FCRA, only information that has been verified and is accurate is permitted to be included on my report. LexisNexis states that they verified the bankruptcy through PACER ; however, PACER does not verify that information contained within their files is accurate pursuit to FCRA guidelines. Furthermore, the Bankruptcy court does not verify information either. As a result, LexisNexis is violating the law with respect to reporting this bankruptcy on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: LD Holdings Group, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX-Forbearance resolution letter to Loan Depot. Asked for resolution by XX/XX/XXXX payment. 
No response XX/XX/XXXX -Sent follow up request in writing asking for a Deferral repayment plan. 

Letter dated XX/XX/XXXX but not received until XXXX ( Not received until XXXX XXXX denied request because you could only have one active assistance at a time. - Never had a choice XX/XX/XXXX Received loan modification papers. Interest rate was increased to XXXX from XXXX XXXX which we bought down XX/XX/XXXX. ) Phoned XXXX told VA set the interest and we could not adjust the interest rate. and we had to authorize the Modification or the offer would be with drawn. 

FAXed appeal letter on XX/XX/XXXX No response. ( they have 30 days to respond XXXX XX/XX/XXXX - Asked for VA confirmation. 

We are XXXX XXXX XXXX seniors living strictly on Social Security. Payments will increase by {$50.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Transunion, XXXX, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY!

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-08-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 instruction.

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 2020-02-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pro Collect XX/XX/XXXX- convinced me I had a debt of $ XXXX. 
My wife had paid the debt via a money order to original company- XXXX XXXX XXXX , back in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX and got the {$0.00} balance due invoice receipt from the companies old ledgers, with an email from the general manager of the company stating there no outstanding debt, nor was there any transferred or charged off. 
I sent this to Pro Collect in an effort to get the $ XXXX back. 
The Manager, immediately said how wrong I interpreted the ledger, in an email, despite having the manager from the company send an accompanying email with the ledger verifying there was no outstanding debt. 
As of XX/XX/XXXX Pro collect refuses to give me a receipt for the payment that has now been collected on twice. 
I have also learned that Pro Collect was sent a cease and desist letter in regards to this before they collected again from me years later. Also that they have also failed to adhere to that letter.

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 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a loan modification from TD Bank which I accepted and signed on XX/XX/XXXX. The first payment under the modification was due XX/XX/XXXX. I made this payment at the time I signed the modification, and made payments for XXXX, XXXX and XXXX as well. TD seems to have at least partially implemented my modification, since the interest rate and principal balance have been updated on my monthly statements. However, the XXXX and XXXX statements ( for the XXXX and XX/XX/XXXX payments ) show that my payments are not being properly applied to the mortgage. The modification should have reinstated my loan in XX/XX/XXXX, yet TD claims I owe {$5000.00} and am over a year delinquent on my loan. Copies of the loan mod and my most recent two mortgage statements are included. I would like TD to correct its accounts to reflect the XX/XX/XXXX modification and show that I am current on my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
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: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.

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 2023-10-06
Company: Opportunity Financial, LLC
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am paying {$500.00} a month on a loan and in three months my balance has only gone down {$300.00}. I've been trying to pay this off for a while and they're telling me I have 106 % interest rate so it will be paid off in XXXX. I don't trust that they will consider my loan paid off by that time as the interest rate seems to keep my account at the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Subject : Request for Immediate Removal of Fraudulent Accounts from Credit Report Dear XXXX XXXX XXXX am writing to express my deep concern and frustration regarding the lack of action taken by your organization to address the fraudulent accounts on my credit report. It has been well over 30 days since I first reported the identity theft, and despite providing all necessary documentation, the fraudulent accounts remain on my consumer report. This letter serves as a formal complaint against the credit bureau for failing to take appropriate action in removing these fraudulent accounts. 

To support my claim, I have attached a copy of my identity theft report, as well as my social security number and a form of identification for your reference. These documents clearly establish the fact that my personal information has been compromised and used without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to promptly investigate and correct any errors. However, in this case, the credit bureau has failed to validate the authenticity of these fraudulent accounts before furnishing them onto my consumer report. 

I hereby demand that you remove the following fraudulent information from my consumer report within XXXX business days : XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Furthermore, I would like to bring your attention to the fraudulent addresses associated with these accounts, which were included in the report without proper verification : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX Please understand that failure to comply with this request within the specified time frame will leave me with no choice but to pursue legal action under the provisions of the FCRA. As stated in Section 616 of the FCRA, any willful violation of the Act may result in a penalty of up to {$1000.00} per violation, and I will not hesitate to seek remedies for each instance of non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the errors on my credit report. I expect to receive written confirmation from you once these fraudulent accounts have been completely removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: Atlas Credit Company, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I cashed a check that was sent to me and was never contacted by the company. I finally got ahold of them and they were rude from the beginning. They changed to terms of the loan from the beginning I tried to explain to them that it was wrong and was told to just make my payments. I started getting emails and I sent them the original contract and the copy they sent me and told them I wanted it fixed. They did that and the rudness got worse the due date was changed. I explained I was not due till the XXXX of the month and a lady said nope that was changed your do on the XXXX or XXXX remember. I told her I would pay it on the XXXX and she told me it was to be made that day. I've reviewed many voice-mails and today I received a text message from XXXX saying " XXXX this is Atlas Credit. We have tried every way possible to contact you and work with you regarding the payback on this account and you have failed to respond or pay. So now we are texting you to inform you that we will be filing a judgement on this unpaid account. You have until XX/XX/22 to call or come by the office and get this account taken care of or we will be filing with the courts on XXXX " I refuse to call and be spoken to the way they do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Amerisave. I made my regular monthly payment, which was due XX/XX/XXXX, in XXXX. This payment included {$1800.00} to apply toward my escrow account. With this payment my escrow balance totaled {$5400.00}. 

On XX/XX/XXXX I paid off my mortgage in full. On XX/XX/XXXX I was issued a refund for my escrow in the amount of {$3600.00}. This amount did NOT include the escrow payment included in my XXXX payment. 

I have contacted Amerisave numerous times via phone and email. This includes an email on XX/XX/XXXX in which I provided a copy of the cancelled check from my XXXX payment. My last communication from them was on XX/XX/XXXX, when they promised they would respond via email or phone no later than XX/XX/XXXX. 

In addition, they have yet to provide me with a form1098 for XXXX as required showing the amount of mortgage interest and property taxes paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: HoldCo LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Starting I called a phone which I thought was XXXX XXXX XXXX. I reach a representative name was XXXX number XXXXthat i thought was an XXXX XXXX i told him my issue he had me install an app on my device called XXXX. he then proceeded to tell me my device was hacked. He told me all of my accounts had been compromised. He then had a XXXX XXXX XXXX XXXX XXXX department call me his name was XXXX from phone number XXXX. He told me that a transaction was going to go through for {$10000.00} and was being wired to XXXX he stated that a XXXX XXXXXXXX XXXX employee had give all of my credentials out that for this transaction. He stated they were going to have an investigation at the banks in XXXX XXXXXXXX XXXX. He then proceeded and did not let me get off the phone with him to take the {$10000.00} in cash to a Bitcoin Depot which was XXXX minutes away phone number XXXX and deposit the cash into what i thought was my XXXX account however it was not. I have filed a police report contacted all of my banking institutions filed a report with the XXXX XXXX XXXXXXXX XXXX XXXXXXXX department I have a case in XXXX  for fraud I have tried to contact the FBI, FTC and any other Institution that might be able to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX is govern by 15 USC 1681. And they have violated my rights numerous times! I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give them permission to furnish these accounts. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC section 604A section2 it also states a consumer reporting agency can not a account without my written instructions. I also sent each XXXX and investigation letter to verify everything on my consumer report was 100 % accurate if not to delete the account and they did not do it. 

I also sent a second letter letting them know that they did not a proper investigation to verify everything was XXXX percent accurate and showed them proof they are now willfully violating the fcra keeping inaccurate information on my consumer report I want it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: KY
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:
My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a letter to dispute. I never lived at the address attached to my name. I mailed a certified letter to National Credit Systems for validation, and never received it. My request was mailed certified XX/XX/2023.

Company response to consumer: Closed with explanation