BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
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: Public record information inaccurate

Complaint:
I Talk to the landlord because i put in an application they didnt accept me because i have and eviction on my back ground thats clearly says dismissed so now they dont wan na rent from me because thats popping up on there i ask TransUnion can they dispute the problem so i can be able to rent from landlords cause i have kids i need to be in a place my background is perfect i just need some WHRE to live. The landlord dont wan na tell me the reason i wasnt accepted they say its going to be in a letter i told them how ima get the letter if Im not at that address they told me they dont know they just dont wan na rent from me at all cause that pop up from the TransUnion.

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 2017-09-28
Company: EQUIFAX, INC.
State: AL
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:
Equifax has not deleted these unauthorized inquires from my credit report. They sent me a response saying " inquiries are a matter of fact ... .. '' but they still DID NOT show me where I signed any consent at all. I DID NOT AUTHORIZE these inquiries and there was no investigation done at all. On behalf of the Equifax breach, I STRONGLY wish to have these inquiries deleted because THEY ARE NOT MINE. They did not even delete an inquiry in which the creditor themselves sadi they submitted to them that it should be deleted. I have tried calling Equifax 's phone number and it hangs up on me every single time. They are purposely not answering their phones to correct their own negligence involving this data breach. I want these inquiries removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Delete Hard Inquiries

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 2020-02-27
Company: Experian Information Solutions Inc.
State: MS
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'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.

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 2022-10-20
Company: C2 Financial Corporation
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
my mother is elderly and has been entertaining a reverse mortgage. she has been working with a broker for many months. she decided to list her home to see if selling would be a better option since rates are astronomical for a reverse mortgage. the day the home was listed, the broker reached out to my mother to tell her that rates are sky rocketing and she must sign immediately or her payout will be reduced by XXXX XXXX ( which is obviously not accurate ). since that time ( last friday ), she has consistently pushed her to close the loan by tomorrow, which because of the pressure she agreed to do. 

I feel strongly that she is being lied to & taken advantage of by the mortgage broker, due to her age & lack of financial savvy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2022, I was induced to make a XXXX transfer of {$190.00} to an XXXX scammer who promised to send me more money in return. He then made an excuse and thereafter I told him that I no longer wanted his help and if he could return my money via XXXX. Soon after I the contacted the bank to file a claim.

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 2020-02-27
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against Source Receivables Management , LLC for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I requested a refund from EdFinancial Services for my student loans payments made during XXXX ( A total of {$11000.00} ). It has been 6 weeks and I have yet to receive any information regarding where my refund is or any confirmation email that they have sent my request to the appropriate government agencies. I need to receive my refund before XX/XX/XXXX in order to apply for student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: GreenSky, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Green sky shows a balance on my account of the ORIGINAL purchase amount plus the DEFERRED interest amount. When asked about this, the representative stated " Well, sir, everyone 's account is that way. '' In short, even though it says I have 24 months of a promo period, how can I be sure they will abide by that when " deferred interest '' is literally, already being charged to my account? 

They refuse to change it and, in fact, hung up on me on my last call to them at XXXX this morning when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Factor Trust
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Yes I reached out to back to trust I asked about the obligation they have under me under the fat credit act I asked to be primary remove and security freeze delete all personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received an advertisement from Advance Financial 24/7 in the mail, and contacted them via phone and then went to their website and they guided me through filling out an application for a line of credit in the amount of {$1500.00} on XX/XX/XXXX. I provided my bank account information to them for deposit purposes. I did not know that they would use this account information in the future to withdraw payments for the loan. When the company withdrew the first payment from my account, I contacted them and asked them not to do it again, and they assured me that all of my account information would be removed, and I would be able to send checks in the mail. However, the company has continued to draft payments from my account every month. 

I never had copies of the documents I signed or any knowledge of the interest rate the company was charging me. On XX/XX/XXXX, I requested copies of the documents I had signed and a statement of the balance because during a phone call, a representative of the company informed me that I was being charged 360 % interest and I was shocked. I had no idea I had been paying that much interest since XX/XX/XXXX. The company refused to send me the original documents I signed to request the line of credit. They did send me a current statement of my account, which reflected the 360 % interest. 

I asked Advance Financial 24/7 for a fixed payment amount, and at that time the balance was approximately {$2500.00}. I told them I would pay that amount if they would not continue to add interest. They would not agree to this arrangement. 

I attempted to settle the amount I owed by paying the company {$110.00} per month until the debt was paid, and the company agreed over the phone, but the company drafted a payment of over {$500.00} instead. I disputed the debit with my bank account, and the money was put back. 

I know that this predatory interest rate will likely cause this personal loan debt to balloon out of control as it already has, and will likely be very difficult to ever get rid of. I would never have done business with this company if I had known that they would not provide information to me about my loan or a fixed interest that is reasonable rather than extortionary at 360 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 604A 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 2020-02-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, at XXXX XXXX  EST, I received a call from I.Q. Data International stating that they received a call to verify if a debt was collected in full. I was given the opportunity to pay a lesser amount and I declined. Once declined, I was told that I would not be able to move so it was best that I pay my debt and that I would not be able to receive a discounted rate again. 

When I called to come to a solution today, I was told to use my tax return to pay off the debt. Im not quite sure how these people concluded that I receive a tax return. I do not. 

I felt like those choice words were used to insinuate that Im a person of XXXX and the only reason I was calling was because I received an income tax return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was threatened for non payment of XXXX debt from identity theft. Convergent Outsourcing Inc. called me  and threated to put me in jail if I don't make payment! They have also never responded to my dispute letter or other ways to contact them its been over 45 days now..

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 2020-02-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am in my final year as a XXXX student full-time enrolled while also completing an internship ( school requirements ) in which I am making $ XXXX/hour. My XXXX private student loan that I obtained during my final year of XXXX serviced by AES informed me that I am due to make full payments starting in XX/XX/2020. However I do not complete my program until XX/XX/XXXX. I submitted a deferment form and AES denied it saying that I have used up all my deferment period. They have billed me {$580.00} per month and that is beyond my paycheck. I requested a forbearance, they stated that I am not qualified for that. At this time, they are threatening to report my late payment to the credit bureaus and I am unable to make this payment as my paycheck does not support at this time. Im a full-time student and I can not afford to pay approximately {$600.00} a month in student loan payments. I reached out to my school to assist me and they informed me that they are unable to. I would like to know what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Genesis Financial & Payment Systems Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$500.00} from this company in XX/XX/2019and they were taken {$97.00} a month on my check every two weeks to pay off the loan and XX/XX/2019XXXX I lost my job and enter the compound double

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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 formally request for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the accounts. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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