BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: The DeGrasse Law Firm, P.C.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was served a petition from a sheriff out of the blue at the end of XX/XX/XXXX. I had no knowledge of the lawsuit. I contacted XXXX XXXX XXXX and informed them that I had not been given the opportunity to dispute the debt and that the petition was filed in the wrong parish. XXXX XXXXXXXX XXXX recalled this petition and sent me credit card statements for review. Upon receiving the credit card statements, I found thousands of dollars in unauthorized charges after I reported the card stolen. I have a police report to show my car was broken into. I sent 3 written notices on how to dispute these charges so that I would not be liable for them in the balance and never received any communication from XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX I was served another petition for lawsuit even though I had been making best efforts to settle the account with the law firm. The lawsuit was again filed in a parish that I do not reside in. I live in XXXX parish and the suit has been filed in XXXX parish. I have never lived in XXXX parish, do not own property in XXXX parish and do not have any ties to XXXX parish. 

I mailed a copy of my answer to XXXX XXXX XXXX that stated the lawsuit was filed in the wrong parish and that XXXX parish did not have jurisdiction over the matter. This was received by the law firm and can be confirmed by tracking number. XXXX XXXXXXXX XXXX then responded to my answer by filing an execution to obtain a judgment, again filed in the wrong parish. 

I contacted the XXXX XXXXXXXX XXXX a total of 14 times after I received notice of the court date in the wrong parish and received no resolution from the firm. The clerk of court in XXXX parish said it was the plaintiff 's responsibility to move the venue to the correct parish. The only statement I received from XXXX XXXX XXXX is that " the hearing will proceed. '' I informed the XXXX XXXX XXXX   that this is a clear violation of the Fair Debt Collection Practices Act in pursuant with 15 U.S. Code 1692i. The law firm refuses to acknowledge this and is trying to obtain judgment by deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, Transunion, XXXX and XXXX. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records

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 2017-09-09
Company: EQUIFAX, 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:
It was confirmed to me that me personal information ( SSN, DL info, DOB, etc. ) was part of a data breach of equifax 's system. I feel they are not only negligent in their lack of safety measures to prevent this from happening but were not quick enough to reveal this to their customers which also allowed senior executives to divest their stock. Which we are supposed to believe happened by coincidence and nothing illegal occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I Sent my letter off on. I asked the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The team " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friend, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
XXXX allowed my information to be obtained by unknown parties without my consent potentially resulting in fraudulent action being taken with my personal information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
My personal social security and identification information was shared by Experian through the XXXX data breach. According to my credit reports, there is fraudulent activity that I did not authorize in a state I do not live in. The fraudulent activity took place during the summer of XXXX in line with the dates of the data breach.

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 2021-11-21
Company: Asset Maximization Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company in question, Asset Maximization Group , Inc. placed a derogatory collections entry on my credit report, lowering my credit score by over 100 points. I have never received a bill or collections letter from them and do not know what it is for. I have never had a medical bill in that amount and have never missed any payment I was due to make in recent memory. Please see attached credit report excerpt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: IL
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 have reported these inquires and sent in police report by certified letters and they are still not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been going through a refinance with a VA loan since XX/XX/2021, with various challenges along the way. This is the second complaint submitted to CFPB on the same loan with Truist. While the first complaint was only partially addressed, some items are of concern that will occur to future Truist mortgage customers if not addressed. After 9 months of processing, this second complaint was not addressed with multiple attempts via email when I requested the policies of Truist data acquisition and verification processes. 

Truist 's negligence in processing the loan resulted in inspections and various data points being collected expiring, requiring additional processing time. Truist loan officers implied VA process requirements increased the processing time when it was clear the delays were internal Truist processing with their underwriting office. When asked to see their policies that govern their procedures and requirements to verify information, Truist 's processing department managers ignored the request. They went on to question the integrity of the information provided. Truist processing managers went on to say their underwriting department claimed it was the VA requirements that resulted in the verification of details without confirmation of any policies or procedures that required the additional steps taken. 

Truist 's lack of transparency and accountability across departments created angst and delays in the loan, costing me thousands of dollars in paying interest on the current loan based on their processing delays while also implying fault with the VA requirements. 

Truist then made assumptions and made assurances in the paperwork to expedite closing to increase interest payments when the REFI was processed even after they were questioned. The responsible parties in the processing department did not address concerns until I refused to sign additional paperwork. The status of the loan is still unresolved.

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 2017-09-09
Company: EQUIFAX, INC.
State: MO
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:
- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by requiring that i mail my request for something that should have been done over the phone or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The options do not exactly fit my particular problem. I am trying to fit the best I can. 

XX/XX/2021 Credit Corp began to caustically engage me via the phone. I informed the caller that their attitude could be violating my rights and informed them I wanted the call recording preserved, further I followed up with written demand for preservation. Credit Corp filed suit and I have again demanded preservation of the evidence for the violation of the FDCPA - Credit Corp is claiming they are unable to produce the information. 

I have contacted the XXXX, FTC, CFPB regarding Credit Corp. A court action is pending as Credit Corp has filed a lawsuit, however they have claimed they have no foundational documents available for the suit - which is a violation of FDCPA. Further, I have made several demands afforded me to preserve recording/documents that prove violations of the FDCPA, the Credit Corp is now claiming that the evidence can not be located. Deceptive and bad faith actions clearly violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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: Account information incorrect

Complaint:
In a previous dispute by mail with Experian submited in XX/XX/XXXX, their reply was they will not re-investigate any request until i provide information to conduct future investigation which I did again in XX/XX/XXXX notarized letter and certified mail. I sent proof of innacurate information from the same source compared with the other 2 bureaus After completed the inevstigation their results are updating accounts with same innacurate information causing damage to my credit report for posting false information in a clear violation to the FCRA providing innacurate and false information. 
Also asking to Experian to open their files to compare with my records and they never sent me anything or even a contract betwen me and the creditor accounts under investigation or dispute.

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 2017-09-09
Company: EQUIFAX, INC.
State: CT
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:
Equifax Hack " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ^Same as pretty much everyone who 's complaining today, I imagine. 

Did not enroll in their XXXX XXXX. Pardon me if I do n't trust Equifax to do a competent job of protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd XXXX XXXX  XXXX  account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well

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 2018-10-13
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018 I received correspondence from JCPenny, XXXX XXXX XXXX, XXXX FL, XXXX. On the envelope it states, " Important Information about your account ''. On the inside their is among other things, a XXXX XXXX Section 1 : Rates and fees table, JC Penny Credit Card Account Agreement. I have never had a JCPenny account, have never authorized JCPenny to open an account, or authorized XXXX XXXX to open an account in my name at my address.

I think they are fraudulently creating accounts.

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 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
Equifax was hacked 2 months ago, they did nothing about it until now and all of my information has been compromised. They 've given no next step instructions, or explanations on how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 a account without my written instructions XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In early XXXX I had a XXXX point drop on XXXX and it was created by a XXXX error and it was corrected at that time my Equifax was fine however it dropped by the XXXX points today and they can not verify with this or assist as they dont see it. I have a letter from XXXX XXXX XXXX verifying this was an error on XXXX and this should be corrected in all systems including Equifax. I need to make sure this corrected with Equifax and the call centers are not able to assist. I would like some assistance in getting his corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding Has place a collection for XXXX on my credit file and they have no contract signed by me. I have never heard of this company and if they bought it from the dark web all contracts had been cancelled with creditors. I have not opened any counts I have been out of work since XX/XX/2020 due to COVID 19 and underlying medical conditions. Do the the FCRA they are violating my rights and placing adverse Information and amounts on my credit when the president signed into effect that a creditor could not ruin your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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