BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed yesterday with Acura Finacial Services. I sent over all information requested and have the full reinstatement amount they requested around {$3100.00}. They refused payment although I tried to pay the full amount the same day within my 10 day period the law requires them to give me. I was affected by XXXX and have been on and out of the hospital even though the website says the offer ectentions to those affected I was told after my deferment they could not help since I was pass due. Acura is not the lien holder on my coverage so a court order should have been needed I was sold my lease vehicle with liabilty which I can provide proof of they broke the law. I tried to return the vehicile 9 months back and change my contract to what they promised me but they forced me to keep the vehicle threatening returning it would ruin my credit so I kept trying I have proof of this as well .I text and a XXXX review from 9 months ago this was a retaliation! I have small children and am sick I missed 2 doctor appointments after they took my vehicle. I have since contacted my insurace and filed for full coverage although when I purchased the vehicle it was not needed according to the Director XXXX. I called 6 times yesterday and was denied to reinstate. I would like to pay and keeping my car or have a write off completed and this completely removed from my reporting due to Acura not being the actual lien holder upon my agreement and contract signing. I now have an attorney please help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i would like them to remove from my credit report i cant get any type of credit or anything and uit has been yrs.it was last reported XX/XX/XXXX and they have it on my credit report is XX/XX/XXXX. i called them 2 times and they are very nasty with me so i won't deal with that company so i asking u for help im tired of fighting with this company because they are nasty and i even went to XXXX  and got no where with them please see what can be done i would like it closed and removed it is not an open account southwest systems just want money and they never in years contacted me ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00}

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 non-monetary relief
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
As of XX/XX/XXXX, I had uploaded and mailed the proper documentation to Equifax to show that I was a victim of identity theft. I had submitted a police report as well as an FTC report showing the items in question. Equifax has failed to delete several of the fraudulent items. The other two bureaus have successfully removed the fraudulent items. XXXX states that if the disputed items are not showing on your report at the time of the report printing, the items have been deleted. This information is circled for Equifax to see on their reinvestigation letter. Attached is proof of this activity. I demand for Equifax to remove the derogatory information from my file for failure to recognize the identity theft steps I was given by the identitytheft.gov website. Please refer to the attached police report for full deletion information : The items in question that still need to be deleted are : XXXX XXXX : XXXX : XXXX $ XXXX : XXXX $ XXXX : XXXX $ Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Premium : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. XXXX  is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. Transunion is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.

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 2021-09-07
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
VERIFICATION OF PROOF OF CLAIM REQUEST LETTER OF DISPUTE Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent. 
Dear Legal Departments for : Specialized Loan Servicing, LLC AND XXXX XXXX XXXX XXXX., As per numerous Select Portfolio Servicing representatives, the LEGAL and ADDRESS that SLS uses for my property does NOT match up with the true legal according to the XXXX XXXX Assessors Office XXXX Therefore, until corrected and resolved, SLS has stipulated that they can not move forward with a modification, nor continue with acceptance of my financial documents due to the discrepancy of said property/loan. 

Until this legal discrepancy is corrected and resolved any sale dates, including the current XX/XX/2021, sale date, will be considered unlawful and illegal, even as stipulated by SLS representatives themselves. 

Until this legal discrepancy is legally resolved, and this incorrect information is legally corrected in order to move forward, I am formally, once again in writing, DISPUTING and commanding that SLS stop discriminating against my right to attain a modification, keeping me from receiving a lawful and fair modification that would maintain my true legal ownership once loan is paid and protect all payments being made as going to the correct property. 
As it stands, I have no Assignments, no proof of a true, wet-ink signed Deed and Note together, ( legally must be together or VOID ), and which state the correct legal on my property pertaining to this loan Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this legal discrepancy.

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 2021-09-07
Company: Experian Information Solutions 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 called and tried to get the unauthorized inquiries removed and they would not.

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 2017-12-05
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX - posted an account in collection on my credit report and individuals SSN does not match to my SSN or previous address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: PA
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 disputed the validity of the accounts listed below on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Experian. Each time, these items are " updated '' but the " updated '' information is not clear, nor has the account been verified. It is my understanding that according to Section 609 ( a ) ( 1 ) ( A ), of the FCRA, any account posted on a credit report has to be verified through PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT. Since Experian has not provided these documents as requested, I contacted the creditors myself for verification documents ( attached ) .None of the documentation received is in compliance with the FCRA. Especially XXXX XXXX XXXX and XXXX XXXX XXXX-I could 've typed these documents up myself! According to the law, Experian is also out of compliance for not having any signed contracts on file. How do I know these are not fraudulent accounts? 
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 2021-09-07
Company: Early Warning Services, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
early warning services provided me with a copy of requested consumer report. Consumer # XXXX was sent. After careful review of the FCRA, FDCPA protections for consumers, early warning services is in direct violation of Title 15 UCS 1681b ( 1 ) ( 2 ) PERMISSIBLE PURPOSES. EARLY WARNING SERVICES DOES NOT HAVE A FEDERAL COURT ORDER, OR WRITTEN PERMISSION FROM THE CONSUMER TO HAVE SUCH REPORT COMPLIED AGAINST CONSUMER. EARLY WARNING SERCIVES HAVE VIOLATED PRIVACY LAWS IN REGARDS TO CONSUMER PRIVACY. 
EARLY WARNING SERVICES HAS AN AGREEMENT WITH THE INDIVIUAL BANKING INSTITUTIONS BUT NOT WITH CONSUMER. CONSUMER HAS NOT GIVEN AUTHORITY TO ANY BANKING INSTITUTIONS TO DISCLOSE ANY OF MY CONSUMER DATA. ACCORDING TO THE TERMS AND CONDITIONS AND AGREEMENTS CONSUMER MADE WITH XXXX, XXXX XXXX XXXX, XXXX ( CLOSED ) AND XXXX XXXX STATES ALL CONSUMER INFORMATION IS PROTECTED AND WILL NOT BE GIVEN TO THIRD PARTYS. EARLY WARNING SERVICES IS A 3RD PARTY COMPANY. HOLDING MY INFO IS IDENTITY THEFT AS I DID NOT GIVE PERMISSION. CONSUMER HAS RECORDED AT LOCAL COURT HOUSE A VALUE FOR ALL CONSUMERS DATA. CONSUMERS DATA IS CURRENTLY ON RECORD TO BE VALUED AT XXXX USD DOLLARS PER MIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}

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 2019-02-07
Company: United Accounts, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Was never sent a letter in the mail, a phone call, was never notified of this debt that is allegedly owed. I found it on my credit report and called the company to discuss the account and my options for payment. I was never given the mini miranda on first contact with them. I also have never sent a letter regarding the debt. I also told the rep that the services for the debt were not rendered but instead a part of a contract I had signed for daycare services. I requested a settlement for this fact. The rep instead told me one would not be eligible because I told her was a contract. She then said she actually wasnt even handling the account but that someone named XXXX was and that XXXX would be filing litigation but she wasnt sure. The rep was very rude and her tone was not one of someone who would like to provide a consumer with customer service anyone deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is about United Wholesale Mortgage and they way they are managing my payments and how after 4hrs of phone calls on XXXX for XXXXsec. XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX forXXXX sec, XXXX for XXXX secs for a total of 4 hours and 6 minutes wasted. All these calls were recorded by me and them. Still, I can't get an accurate amortization schedule. I wanted my amortization statement to reflect my monthly payment of {$1200.00} with an additional principal payment of {$450.00} monthly and NOT having my additional principal as a monthly payment but only as additional principal. 
I've spoken to their reps each time and was transfered to their escalation dept. with no one being able to help my get an accurate amortization schedule. Then I demanded to speak with their superior, they told me they had no superior. I was told this 3 separate times on three separate calls. After I called again, I was connected to an EXECUTIVE in the escalation dept that said they had no superiors I could speak to. When I told the executive that fact they couldn't understand why they would send my demand upwards. I was sent 2 schedules and both were seriously flawed. Wrong monthly payments, wrong principal payments etc. I will attach these where you allow it in this complaint. Their website amortization schedule calculator is also seriously flawed. I was told they knew this already but haven't fixed it yet. My monthly payments are not being recorded accurately either. I pay extra additional principal payments each month. There site shows all my payments as addition principal instead of recording my monthly payment as a monthly payment and I have to call them every month to adjust the payments they recorded to reflect a monthly payment and the additional principal payments as additional principal payments that shows my payment activity is where you can see what I mean. I will include the screenshots of this site where allowed also. You will clearly see how many times they had to adjust my payment info to mirror what I was actually doing. The last entry on XXXX additional payment was a single payment of {$2900.00} yet was recorded as 2 separate payments of {$1700.00} and one for {$1200.00}. I complained about this and it has not been fixed. I find their incompetence unnerving to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
.I tried getting these removed several times. I have a few fraudulent inquiries on my credit report. I never gave permission for the companies to pull my credit and have been unable to get the beru to dispute these fraudulent inquiries. I am requesting The Credit Reporting agency to delete the following fraudulent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: McKenzie Paul & Associates
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 is missing that should be on the report

Complaint:
I have made several requests to obtain debt repayment contracts from McKenzie Paul & Associates. They have not provided me with a SIGNED and dated contract between myself and McKenzie Paul & Associates. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: PA
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 looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX  and Equifax is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, still have the following Inquiries and accounts on my credit report. 
Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: ALLY FINANCIAL 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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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