BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: USA Service Finance LLC
State: KY
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:
In XXXX of 2017 I saw a late payment reported on my credit report. XXXX of 2017 I contacted the company to find out what it was. The representative explained to me that I failed to make the monthly payments. I explained to them that I was not notified of failure to pay the monthly payment. The representative said they called me and I told them I would call them back. I told her if I knew it was them I would have asked all the same questions that I was asking on the current phone call. I explained to them that I was not made aware of the date of repayment and the representative agreed that they had not made any other attempts outside of using an old email address and the one phone call. I asked if they sent anything to my residence and the representative said no. I asked why not and she kept responding that was all they did.
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The representative proceeded to tell me that my credit would continue to be negatively affected if I did not pay a certain amount of money, and that if I did pay that amount, they would go back and correct their mistakes. I asked for this agreement in writing. The representative ignored my request and continued to ask for a form of payment. I asked for a supervisor and the representative told me that they were unavailable. I continued to ask for someone with the ability to provide the statement that I was unaware of the payment dates and amounts and the representative said they would tell me the same thing and that someone would contact me.
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The next week I called again to speak with a supervisor and the representative told me again that if I paid what they were asking for they would provide the letter stating that it was their oversight and they did not send me a notice and understood that I was not aware of the amount and dates. I told her that if they knew it was their responsibility to make me aware and they did n't that I should not be penalized for it. I told her that I would like to have a supervisor contact me to discuss this issue and the representative told me that I should make the payment and then dispute the late payment reports and that request would go straight to the supervisor and she would change it. I again asked for that in writing or to speak with the supervisor that had that authority. I also asked why, if I was willing to make the payment, and she could do it at any time, would n't they do the right thing and fix it now. The representative told me that I would have to pay first to have it changed.
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Aside from knowingly misreporting my payment status, this company threatened my credit further and tried to convince me to give them money to " fix '' 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 explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Equifax has not written to me with the results of investigation about account- I've disputed for well over 6 months. 
I called Equifax and still using telephone hold on switching back and forth with me to different people. 
My credit score and employment opportunity has been harshly affected. 
Equifax also violated my FCRA Rights and I was included in the Breach Settlement when I typed in my Social. Security number but haven't received any monetary or 10 years of free credit monitoring or 7 years of free identify restoration services or 6 free Equifax Credit Reports during a 12 month period.

On my credit report with notification I am a Victim of Identity Theft with my police report faxed to Equifax .Federal Cares Act stated that because of the pandemic that credit bureaus must not report the negative items that hurt my buying power while I contacted my debtors as Federal Law stated I do. Therefore, I went beyond that I'm doing a lot to keep the certain bills I made to pay them on time. 
This Credit Bureau Equifax has not been delivered to me any results of several disputes of this same Alledged XXXX debt after 30 days. While still using deceptive practices and removing this error while been investigated and deleting this error off permanently.

This has caused me to loose jobs, contracts, board seats and financing because of Equifax 's non- transparency to immediately remove this item from my credit report. 
The hurt it has caused my good name before and especially during this Pandemic is more than anyone must bare. Equifax refused to remove this only negatively harmful item maliciously and willfully denying my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Unwanted fee/charges are being added to my monthly mortgage without my knowledge or consent. I have had XXXX '' barrower requested title search '' Put on my mortgage from XXXX XXXX to XX/XX/2021. At No time did this Barrower Request Such a thing. 
Statements : XXXX  2021 13 title searches {$420.00} We paid XX/XX/2021 XXXX title searches and attorney Fee {$450.00}. We paid XX/XX/2021 XXXX title searches {$360.00}. We paid XX/XX/2021 XXXX title searches {$320.00} I did not pay! 
XXXX-Called customer Service at Pennymac, was told these charges are from my " municipal ''. 
I asked exactly who that was - never got a straight answer, Just told My town. I Told pennymac rep then to stop charges. THis was against my knowledge and consent. 
The next month Sent email, Asking about new charges and attorney fee. My last email in XXXX I stated, That all of these charges being put on my mortgage without my knowledge, and consent was against my privacy rights. Where are my Rights in this issue when Anyone " municipal " or whoever can have charges added to your acct without you knowing. 
Pennymac has held up the sale of my home, I was suppose to close on this home End of XXXXXXXX XXXX months later we are still waiting to close, with that being said, I truly do not need all of these extra charges on top of the expense of 2 households. They have had no regards for our privacy or our wellbeing as a customer with outstanding good credit and credit history with them. 
Pennymac needs to refund ALL fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH 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 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
I have attempted on numerous occasions to request my annual credit from XXXX, Transunion and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.

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 2021-01-19
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, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2020-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent certified mail over 60 days to the re-investigate accounts reporting wrong but they just ignored me despite i saw the letter delivered.

I will attached a letter here as a 2nd notice for the issues to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Some one call trying to collect money did not State who they were. Asking for unauthorized info. I felt threaten and ask them not to contact me again. I have no idea about this matter I will start l legal procedure if continue.

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 2020-04-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian keeps reporting a XXXX  account paid in full and more than 7 years old. This account should be removed from my report. 

This item was already removed by XXXX  Credit Bureau.

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 2021-06-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
I have a lease with Toyota financial services since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX Toyota financial reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I reached to Nationwide credit inc about my XXXX XXXX card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. Nationwide told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the Nationwide there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.

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 2017-12-30
Company: ERC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collector keeps calling and leaves NO message, they call early in the morning time and later at night. They have been told to stop calling and to NOT call anymore in the last several months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
TRANSUNION and XXXX XXXX  XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX, and Federal Trade Commission ).

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 2021-05-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX  and TransUnion are reporting 3 derogatory accounts and 20 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to XXXX, XXXX  and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 explanation
Consumer complaint received 2017-10-01
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with XXXX but I never received anything in the mail.

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 2018-06-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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: Information is incorrect

Complaint:
The contact information is unreasonable for a credit reporting agency that dictates your digital existence on this planet and also vague about why consumers are repeatedly denied basic accounts based on hidden information from companies that do not have my consent to hold my personal information. I demand all my personal information be removed from this possession of this company which is even worse than the XXXX scandal.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

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