BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
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:
To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2022-09-09
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX J J Marshall & Associates has violated my Federally Protected rights under the Fair Debt Collection Practice Act by pursuing litigation against me in state court the case is # XXXX without me contracting to be sued upon violating 15 U.S.C.1692i ( 1 ) ( 2 ) ( a ). XXXX never properly served me, I never received an summons to have any idea about an court date. I never received correspondence about the debt to have the opportunity to dispute the alleged debt as that is my right under the FDCPA. XXXX then put a judgement against me without any knowledge of the court hearing also violating the FDCPA. I recently reached out to XXXX to get information on my account and was told by a representative they sent me XXXX correspondence in XX/XX/XXXX and XX/XX/XXXX before sending my information to XXXX XXXX XXXX, but the address they listed was not my address and the representative could not tell me when it was received because, she said it was not sent with an tracking number. I was also told XXXX charged me a collection fee which is also a violation of my rights. I told the representative to notate the account to Cease Communication from me from all mediums and to date, XXXX is still collecting on an alleged debt. Remove the judgement and return the money that was took from my wages or I will pursue litigation for the damages that I suffered from your reckless and deceptive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX hereby make a legitimate complaint against two collection agencies that are bypassing my rights under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. In 2015, after multiple federal case losses by national collection agencies properly licensed in the state where the complaints were filed, a proposed amendment was filed in the US House of Representatives known as HR6363. That law never got out of committee, but is now back before congress known as HR435. The Credit Access and Inclusion Act is a joke as it states that a public utility is a credit.  To date, it is not considered a credit, and never should be. All public utilities are governed by public service committees in each state. The Fair Credit Reporting Act has never been associated with public utilities. So today public utilities are bypassing a consumer 's rights by assigning any debt collection to a collection agency. The Fair Credit Reporting Act is therefore bent but not broken. Public utilities being posted on a credit report are without exception a violation of the Fair Credit Reporting Act. The governing bodies of public utilities are within each state, and there is no federalism attached to such reporting, either on a standard or sub-standard reporting status under FDIC Regulation 5000. The fact that there is still federal legislation to submit utilities or their collection status on a consumer credit report is not legitimate and will not be so until such a law known as HR435 passes both congressional houses and is signed on by the President of the United States. These posted collections on my Experian credit report are a true violation of my rights under the Fair Credit Reporting Act, which extends to the Fair Debt Collection Practices Act. Both of these collections posted by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act, and both are in violation of their subscriber agreements with Experian in general. These agencies must be sanctioned by the Consumer Financial Protection Bureau for serious violations on credit reporting, and the Federal Trade Commission must cease and desist this activity. Both collection matters must be deleted from my Experian credit report immediately and permanently. Both of these accounts were satisfied, but they should have never been reported on a credit bureau to begin with. DELETE THESE 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 2023-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal information 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 2022-12-13
Company: EQUIFAX, INC.
State: MI
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 refuses to delete inaccurate and incomplete information on my consumer file. Im disputed 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2023-10-07
Company: Factor Trust
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Canceled lawn care services in XX/XX/2021 and received cancellation confirmed number. They continued to send technicians for 2 additional treatments after the cancellation date. Informed technician that service was canceled but he continued to spray the weeds. I can provide a copy of the emails with cancellation # dated XX/XX/2021. I do not plan to pay for any service performed after that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a XXXX XXXX XXXX from XXXX in XXXX, TX. To begin with, they sold me the 'wrong ' car. They filled out all the paperwork and went through the credit process and took my down payment, for the wrong car. They had me go through hours of hoops to now return this other car, so they may sell me the correct car. Not only did they tell me one price on the first set of paperwork, they came back with two different prices on th.e next set of paperwork. The amount changed several times over the course of the sale. Now, I have a higher interest rate, due to the fact I had an auto loan on my credit FOR A CAR I NEVER OWNED ( they one they sold me by mistake ) They also told me that the car I was purchasing had a clutch recall. After the sale was complete, their story changed, and they said the clutch was not under recall. I drove it off the lot and within days had to return it for the terrible alignment, and to have the off centered steering wheel - centered. The steering wheel was clearly offset / turned/set incorrectly, and the car was badly pulling to the left. The car also made a continuous burning rubber smell. They took it in and 'aligned ' it. The mechanic told my brother and me that the steering wheel just couldn't be centered on this vehicle due to something wrong with the front end, so it was offset to the left - whatever - i needed a vehicle. I drive it for about a week after that and notice that the headlights turn off / cut completely out when I roll/put the window down ( depressing the power window switch ). EVERY TIME I put the driver window down, the headlights went out. I called XXXX twice about this issue and the broken plastic pieces/arm rests, and door panels. NO ONE EVER CALLED ME BACK. Now, I have this XXXX with a permanently offset steering wheel, pulling to the left, and serious electrical issues. 
I drove the car for about two months, have made two payments, and last week the clutch 'went out'/the car broke down on XXXX XXXX around XXXX XXXX, leaving me stranded, unsafely on the shoulder. I have called XXXX twice in the last week, and have been ignored, and clearly shoved off about the matter. I tried to have them tow it, and use the roadside assistance that i pay for, but they continue to tell me that i need to be at the car and then call them back. NO ONE will help me. Now it is sitting in a tow yard/lot and I am being harassed about the vehicle sitting there and being billed for it. The car has a XXXX-mile warranty, and I have a {$23000.00} debt to American Credit Acceptance ( bank ) on a vehicle that wont drive. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue.

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 2022-09-09
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX became a new servicer to XXXX XXXX XXXX XXXX specialized loan servicing during that time my moms annual loan statement came out and showed a deficit in the escrow balance. She included with her payment a payment to be applied for the total of the deficit in escrow. The servicer XXXX XXXX specialized loan servicing did not apply The payment of the deficit amount to toward the escrow DEF deficiency therefore it got wrapped into the loan and the payment became larger. She was given a choice to either pay that deficiency in full or have it wrapped into the loan. She decided to pay the deficiency in full in addition to making her mortgage payment on time. Shes never been late. The servicer today has been slow to fix and redirect the deficiency amount to be applied in full and while my mom is protected under RESPA now two payments have passed without being paid until they can figure out the math. This is been a very frustrating process I believe somebody should be watching over their shoulder because Im sure we are not the only ones.

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 2018-06-04
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a modification for my home mortgage. I have been doing so since XX/XX/XXXX. I have submitted at least 4 times their requested documents on their application process. They always deny it stating I am only eligible for a short sale. I am working with a government appointed organization in XXXX County. I have sufficient income and not much debt. 
Submitted applications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},

Company response to consumer: Closed with explanation