BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. The credit bureau Transunion responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Transunion, and it is well over 30 days since then and I am demanding that the invalidated debts be removed 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 2021-06-30
Company: EQUIFAX, INC.
State: CO
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 two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Auto Acceptance, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello I purchase a vehicle used with the the car store here in XXXX and I was also financed on a lot through their company to XXXX I've been in good standing with them for years 7 months starting my loan back in 2019 XXXX if I'm not mistaken Pier I recently got laid off my job and XX/XX/XXXX and I also file for unemployment but I have not got paid in unable to get in contact with unemployment so as of right now I'm old XXXX from unemployment that I have not been paid which cause my car to get repossessed I asked The Car Store to refinance my car where I originally financed it at and they are refusing to do so I spoke with XXXX, XXXX, and XXXX in the loan office of The Car Store. They were very rude and constantly hung up the phone on me when I'm trying to get answers I'm currently behind {$560.00} and was told that I can keep my car if I paid {$130.00} every two weeks but once again I haven't got my unemployment and I'm asking them to refinance my car so my payments can be lower and on a monthly basis and they're saying that they do not do that and they refuse to even though they financed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Westlake Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-02-26
Company: Experian Information Solutions 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 have three negative items on my experian credit report their XXXX XXXX XXXX XXXX account loan and rd accounts three negative accounts and XXXX XXXX  account I also filed complaint with the federal trade commission. Experian suppose to remove those negative accounts but their still on my experian credit report. To access my experian credit report my social security number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: MO
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 NOT A DUPLICATE COMPLAINT. XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, all three bureaus have reported on this incorrectly. Experian has showed this item either as a Charge Off, or even as being in collections as recently as last month, even though the account has been Closed and Paid In Full since 2016. I have sent a copy of this complaint to National Credit Adjusters, XXXX and XXXX through the Consumer Finance Protection Bureau, and now am sending a copy to Experian, due to being limited to contacting only three companies at a time per complaint.

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 2021-02-18
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'm actually having problems with two bill collectors-Regions Bank and XXXX ( located in XXXX, AZ ). Since the new XXXX XXXX XXXX was appointed there has been an approximate 2 week delay in mail delivery. These 2 institutions are claiming they did not get the payments for the past 2 months, despite my bank saying they received the payments. I've tried to get both of these institutions to provide me bank with the ACH routing numbers and they refuse to, but insist on charging late fees, which I have told them I will not pay. I know, of course, they will likely report it to the credit bureaus, causing my credit score to go down, resulting in higher interest rates. Please help the consumers by requiring all financial institutions to use the postmark date as the payment date to stop the unfair practice of claiming they did not receive the payments and charging late fees. We should not have to pay for the post offices ' failure to deliver mail in a reasonable time. Two weeks is entirely tool long for a letter to be delivered when the payment can be driven to the payment certer within 2-3 days if they delivered it themselves. 

Thank you, 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 2021-02-10
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:
Hello, this is my second time trying to get these accounts removed from the credit bureaus. I pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing

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 2016-12-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. XXXXXXXX XXXX XXXX XXXX I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-02-02
Company: Aspen National Financial, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: FC HoldCo LLC
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Flagship Credit Acceptance reported to the three major reporting agencies without consent. There's no signature or any contract in place that authorized them to report to the reporting agencies. It's not mentioned in anywhere in the contract, and I did not authorize them to report anything on my behalf.

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 2022-07-17
Company: Contemporary Information Corp
State: CA
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 signed up for my report to be pulled on XXXX and the report is inaccurate. The company that pulled the report is XXXX I was a victim of identity theft and XXXX is reporting inaccurate evictions that have already been proven not to belong to me and have already been removed from my credit reports as well as my XXXX  XXXX report. These have already been reported to the cfpb. I want these removed immediately. I have never lived at these addresses that are being reported. It has already been investigated and proved that they dont belong to me. Also, if you look at these evictions there are 2 from the same Address. It doesnt take a genius to know that one could not get evicted from the same place twice, 5 months apart according to the XXXX Report, clearly something isnt adding up. How could one supposedly be evicted and then go back to the same place and be evicted again, as XXXX is reporting? That makes no sense. 

I have also included screenshots of the other 2 things that appear on the XXXX report. Two traffic tickets that are in-fact mine. Notice how on the top of the report it says my full name XXXX XXXX XXXX it also says my correct full name on the traffic tickets. On the 3 evictions that do not belong to me it does not say my complete full name. It only says XXXX XXXX. When filling out any applications, documents, or legal documents I always put my full name XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX knows that they provide inaccurate information because they clearly state it in the first attachment that I have submitted. This is unacceptable and I want this immediately removed from the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was paying my XXXX XXXX XXXX card every month online. As the card was suspended, I destroyed the card. I continued to make payments online. In XXXX they locked my online account access. Since I am unable to call during weekday office hours I could not contact anyone. I didn't make any payments. Then in XXXX when I was on vacation, I spent over 2 hrs on hold on 3 different occasions trying make a payment. The process on the phone is tedious and hold times terribly long.I just want them to unlock my online access so that I can make payments online. Now that I've caught up with other bills I am able to pay it on time. I just can't be on the phone during the week to do it.

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 2022-07-17
Company: HW Holding, Inc
State: MO
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:
Due to my partner and I getting jobs in a new state, I was forced to terminate my lease at XXXX XXXX Apartments in XXXX, TX. XXXX XXXX is owned by XXXX XXXX. I vacated the property and turned in my keys on Sunday, XX/XX/2022. I received a bill for {$9600.00} in accelerated rent on Wednesday, XX/XX/2022. Per the terms of the lease, I had 30 days to pay the debt. 

On XX/XX/2022, I received a message from Hunter Warfield notifying me that XXXX XXXX had sent my debt to collections and I have been notified that my balance due is now {$9700.00}. However, it has neither been 30 days since I vacated the property nor since I received the final invoice. To my knowledge, it is not legal to send a debt to collections before 30 days. 

Furthermore, the debt that XXXX XXXX sent to collections was already under dispute. I have filed a XXXX XXXX XXXX complaint against XXXX XXXX, to which they have never responded. Consequently, I have begun working with an attorney in order to resolve XXXX XXXX failure to uphold their responsibilities according to the terms of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
1. Experian erroneously removed two years of perfect on time payments for one of my credit cards : XXXX XXXX XXXX. 
2. Experian erroneously removed from their list of " open accounts '' XXXX XXXX XXXX from my Experian membership profile. 
3. I contacted XXXX XXXX  multiple times about this issue ; and XXXX XXXX representatives assured me of the following : that my account is open, active, and that I have perfect payment history, and that I am in " excellent standing '' with XXXX XXXX. XXXX Bank representatives stated to me that they have always and consistently reported to Experian Credit Bureau, and continue to so, since the opening date of my account with XXXX XXXX. 
4. I spoke to supervisor " XXXX '' and Experian 's " membership services '' teams, where supervisor XXXX informed me that He could in fact see my perfect payment history, and the XXXX Bank account in question. When I explained to supervisor XXXX that I could not see the information on my end, and that I was concerned about this troubling development, supervisor XXXX told me that it may be due to the type of Experian membership I have ; and yet for the past two years I have been able to consistently view and monitor the account reporting data by Experian on my end, without any issues ( since the account was first opened ) therefore supervisor XXXX 's statements don't hold up to the facts. 
5. I just checked my Experian membership today on : XX/XX/21 and see that the issue still has not been appropriately resolved, because the information I have a right to see ( under the FCRA ) is being willfully withheld from me, against my will, after waiting almost an entire month for Experian 's so called " resolution. '' I see that Experian is clearly and knowingly witholding my information from me, and when alerted to this issue ( by an Experian customer ) and provided with ample information and time to remedy the issue, that Experian has knowingly failed to do so, and that Experian has willfully damaged and injured my financial health.

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