BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Account information incorrect

Complaint:
report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ 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 2023-04-28
Company: Experian Information Solutions Inc.
State: NV
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$95.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}

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 explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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. 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 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, 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 an 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 or 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 2023-04-02
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 2023-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: ME
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:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: CA
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 never gave consent to Experian to furnish the following information. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. This company is now notified of this violation and must take steps to correct it. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX Experian is in violation for furnishing information while violating the FCRA. They have failed to provide any form consent from my part because I never gave 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
Consumer complaint received 2020-10-27
Company: Direct Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Im receiving help from XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me of anything in writing. Im not even sure who they are representing. Theyve sent repeated text messages to my phone to which Ive asked them to stop and please send me some information on this via mail. Ive received nothing. They have left voicemails saying if I dont call them back, then matters will be out of their hands. My husband starting receiving calls on his phone as well. They left a voicemail on his phone saying the message was for me, and same thing. If I didnt call then then matters would be out of their hands. XXXX XXXX XXXX has sent a debt validation packet to them on my behalf, and Ive heard nothing and received nothing in return. The calls to our personal cell phones come during hours we are at work as well. The tone of the womans voice in the voicemail is hostile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage XX/XX/XXXX Friday XXXX & XX/XX/XXXX Friday XXXX via XXXX XXXX Rushmore Loan Mgmt states they did not receive the payments until the XX/XX/XXXX of the month I called Rushmore and they said I would have to send a letter about the payments via Fax only. XXXX XXXX is not a bank and the payment are transmitted immediately up until midnight the same day. 
The customer service dept is off shore - meaning possibly the XXXX XXXX The recent letter said I could be in default for less than {$200.00} is appalling when I also called Customer Service during the XXXX County wildfires in XX/XX/XXXX and the so called Customer Service said they could not assist with my hold of making a payment until XX/XX/XXXX which would then create a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: American First Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
ON THE XX/XX/XXXX I FINISHED PAYING OFF ( 90 ) DAY LOAN FROM XXXX XXXX XXXX. I WAS TOLD THAT FULL BALANCE WAS DUE SINCE WAS A WEEK LATE DESPITE FACT THE I WAS GIVEN EXTENSION BECAUSE OF ILLNESS. AMERICAN FIRST FINANCE DENIED TELLING ME THAT NO SUCH ARRANGEMENTS WAS GRANTED. AFTER SEVERAL CALLS REGARDING THE BALANCE OWED FOR THE MONTHS OF XXXX AND XX/XX/XXXX AND PLACED ON MY CREDIT REPORT AS MISSED PAYMENTS. AMERICAN FIRST FINANCE ( SEE ATTACHED PAPER WORK ). AFTER NUMEROUS CALLS AMERICAN FIRST FINANCE OFFERED A PROGRAM CALLED ( XXXX XXXX ) IF MADE THREE STRAIGHT PAYMENTS THEY WOULD REMOVED ALL NEGATIVE INFORMATION FROM MY CREDIT PROFILE. I COMPLETE THE PROGRAM IN XX/XX/XXXX THEN I WAS TOLD THE NEXT REPORTING CYCLE THE NEGATIVE INFORMATION WOULD COME OFF MY CREDIT REPORT. ( 90 ) DAYS PASSED AND THE NEGATIVE INFORMATION REMAINED ON MY CREDIT REPORT. AT THIS POINT I FEEL AMERICAN FIRST FINANCE HAVE NOT LIVED UP TO PART OF THE ARRANGEMENT AND THEY CONTINUED TO REPORT MY ACCOUNT AS LATE. I SPOKE WITH THEM A COUPLE OF WEEKS AGO AND I WAS INFORMED THAT IT WAS CHARGED-OFF ON XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reporting medical info from a company called XXXX. Violation of HIPPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had two ( 2 ) credit card accounts a savings account and a checking account with US Bank. The attached documents will prove this. 

I was never late with my credit card payments ( ever ). A branch manager treated me poorly regarding my checking account so I gave his branch a 1* XXXX review. At that time in XX/XX/XXXX, I filed a complaint with the bank to his supervisor a Mrs. XXXX as directed by another branch manager. She never responded. Then in as a punitive measure, the branch manager closed all of my accounts with no reasons given on XX/XX/XXXX. This has harmed my credit and caused me a great deal of difficulty as I was on vacation in another country when this action was taken. 

I called a regional office who told me " they could not see why in the world they would have closed my accounts ''. I was talking to a XXXX XXXX on XX/XX/XXXX who had all of my account information in front of her. She confirmed my statement about my excellent ( perfect ) pay history and asked me to send an email recounting my story and that she intended to escalate the matter because she believed I had been mistreated. This has since been confirmed by XXXX XXXX Operations for US Bank. 

I filled a complaint with CFPB ( case # XXXX ) on XX/XX/XXXX. US Bank has fraudulently told you that they do not recognize me as a customer ( reference your letter dated XX/XX/XXXX ). Clearly, the attached documents will prove they are untruthful and further avoiding responsibility. 

Based upon the foregoing and US Bank 's attempt to mislead your agency, I respectfully ask that you open a new complaint with this additional information. 

Thank you

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 2023-06-15
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 a 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX WFDS XXXX XXXX XXXX - XXXX ( Orig Cred : XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC ( SLS LLC ) assumed our loan servicing function as of XX/XX/XXXX. Their letter to us stated several methods of payment which would be acceptable once they began servicing of our loan. We set-up Bill-Pay through XXXX XXXX Bank to be made beginning XX/XX/XXXX and thought we would continue paying without problem as we had for the previous 6 years with other loan servicing companies. We received a Mortgage statement from SLS LLC dated XX/XX/XXXX which showed a past-due amount from the previous month of XXXX and a XXXX payment due XX/XX/XXXX which totaled {$4500.00}. We checked our records with the previous servicing company to verify that the XXXX payment had been made and credited for that month which it had. We immediately called SLS LLC and informed the agent that the XXXX payment had been made and asked why they hadn't received that information when SLS LLC assumed our loan. We were transfered aroung until someone checked their records and said that they showed record of the XXXX payment and to disregard the Mortgage statement that showed the deliquency. During this time, our BillPay payment for XXXX was made through XXXX XXXX Bank and was returned the next day as undeliverable to SLS LLC. I checked all the mailing information contained on the XX/XX/XXXX letter from SLS LLC to verify I had input it correctly into the XXXX XXXX BillPay set-up. I attempted to pay the mortgage a second time after verification of the information and that payment was subsequently returned undeliverable again. We have since called SLS LLC multiple times, once on a conference call with a XXXX XXXX Banker, and each time employees of SLS LLC have tried to blame the problem on XXXX XXXX. During the conference call, the XXXX XXXX employee was able to verify that SLS LLC had refused to accept the payment and returned it to them. SLS LLC employees have tried to solve this problem multiple times to no avail and have returned to us 4 separate payment attempts from XXXX XXXX BillPay ( the XXXX payment was made by personal check sent through USPS ). We had a late fee taken off our account for the month of XXXX but were informed by SLS LLC employees that was a one time courtesy. To date we are still unable to use our BillPay option for payment and keep being told by SLS LLC employees to set-up automatic payment by giving them access to our banking information which we will not do. It's obvious that SLS LLC payment system is not functioning properly and yet they seem unable to iron our their problems while continuing to blame other entities. We didn't ask for our loan to be transfered to another servicing company and seem to have no control over this unacceptable level of behavior by them. Please help resolve this soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from XXXX XXXX XXXX to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to XXXX ( XXXX XXXX XXXX customer Service ) regards to my Credit card and they said my credit card was on collection company name First source, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by XXXX. I try to contact XXXX Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019

Company response to consumer: Closed with explanation