BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XX/XX/XXXX I contacted the collection agency via certified mail, to request debt verification. I received a response on XX/XX/XXXX, which contained a generic printout with very basic information. The agency did not provided a copy of a signed contract with the original creditor, or a written statement from the original creditor. The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt. Furthermore, the miscellaneous notes on the provided document indicate that the original debt occurred on XX/XX/XXXX, which is considerably more than FCRA allows negative information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: FIRST ADVANTAGE CORPORATION
State: NY
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:
First Advantage supplied a list of 71 judgments & liens on me to XXXX XXXX. They are all incorrect, either duped 4 times, and all satisfied any years ago. 
I have written to First Advantage for a copy of this list to dispute it. They have not sent me a copy. I sent two written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MI
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 items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize

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 2022-02-24
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: Information belongs to someone else

Complaint:
Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2021-08-23
Company: EQUIFAX, INC.
State: NJ
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 checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX have 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

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 2022-07-05
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Exeter Finance opened an auto loan on my behalf using my personal information on XX/XX/XXXX. I already called this company ( XXXX ) XXXX and spoke with the supervisor named XXXX with ID # : XXXX and filed this as a fraud account. It is under investigation by them. Also I'm trying to file a police report. 
Exeter Finance sold this account to XXXX XXXX XXXX XXXX on XX/XX/XXXX being reported as a collection account to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company Specialized Loan Servicing LLC ( SLS ) took over my loan from XXXX in XXXX of XXXX. SLS has never sent a statement of what is owed on the loan or proof of payments received. They claim that because there is a bankruptcy ( discharged in XXXX ) on my credit history, they can not send any statements or information. XXXX sent statements throughout the bankruptcy with a disclaimer stating, " this is for informational purposes only ... '' Those statements showed payments received, escrow payments, principle and interest, etc. I have been told by 3 different representatives that SLS can not provide such statements. Are n't they required by law to keep me informed of my mortgage balance and payments received?

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 2022-02-24
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: Information belongs to someone else

Complaint:
Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Experian says '30 ' Account was never late

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late

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 2022-07-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit rep

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 2022-07-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to Equifax dated XX/XX/22 and as of XX/XX/22 they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple inquiries on my Credit Report I do not recognize

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 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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, 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 ) X1 ) 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 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account was placed on my credit.I have no knowledge of the account. I disputed the validity of the debt and I have been ignored. I discovered account number XXXX  from a company called National Credit Systems on my credit report. I never received a notice from them nor do I have any knowledge of the debt. I discovered the item on my credit. I sent them a certified letter on XX/XX/2019 and XX/XX/2019.... to date I have not heard back from them however, according to the bureau's they continue to verify the debt belongs to me- they wont even respond to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have attempted to contact this agency multiple times at XXXX, as well as XXXX. I called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and twice at XXXX on Tuesday, XX/XX/2022 which is listed as open business hours, and keep getting a recording saying " we can not accept your call '' or " we are currently closed. ''

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.

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 2017-11-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Account : ARS Account Balance : XXXX Date : XXXX XXXX XXXX. This account is not mine continues to send letters Account : ARE Account Balance : XXXX Date : XXXX XXXX. This account is also not mines

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 2019-11-25
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX BXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Company claims my account had never been under a % 0 apr for purchases. However, please find attached the email which states otherwise

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 monetary relief
Consumer complaint received 2017-02-18
Company: Monterey Financial Services LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to Experian dated XX/XX/22 and as of XX/XX/22 they have not responded.

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 2019-11-25
Company: ONEMAIN FINANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
OneMain is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.

Company response to consumer: Closed with monetary relief