BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As I know and as you should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed without my direct authorization is an invasion of my privacy as well as being illegal! 





-Notice to agent is notice to principal, notice to principle is notice to agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Exeter Finance Corp.
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX offered service. Never connected service in my house. I cancelled appointment to connect service. XXXX unfairly charged me for services I did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Convergent Account name- XXXX XXXX Account number- XXXX Account name- XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account nameXXXX XXXX XXXXXXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account numberXXXX XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX  Account number- 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.

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 2022-05-05
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 have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : $ 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 2020-04-07
Company: Medical Society Business Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are reporting a collection account in the amount of {$1500.00} on my credit report. This is not my account. I have disputed this several times with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: CFM Group LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never signed anything for this debt, nor do I owe anything. also the statute of limitations on this debt are up, this company is fraudulently destroying my credit score. and the representative is being very rude to me,

Company response to consumer: Closed
Consumer complaint received 2016-03-29
Company: D&A Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from D & A Services dated XXXX XXXX, 2016 on XXXX XXXX stating I woes {$350.00} to them to which I have let them know via telephone calls it is not a valid debt and I am the victim of Identity Theft. The collection attempts continue, they also informed that the debt is beyond statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TN
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  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 AcXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 non-monetary relief
Consumer complaint received 2016-09-18
Company: Guild Mortgage Company LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Guild Mortgage used dishonest bait and switch tactics to acquire my business, have me pay for : -Home inspection -Boundary survey -Property Appraisal -Flood determination -Second survey for flood certificate ( Per loan investor request ) -Flood insurance ( Per loan investor request ) And once we 're far along in the process they make me change the loan product to something more expensive. 

Case Timeline : XX/XX/XXXX GUILD sent me a pre-qualification letter for a Jumbo XXXX ARM loan ( 4 % rate / 5 % down ) XXXX XXXX I found the house I want to buy and I make an offer. 

XX/XX/XXXX I sent to GUILD a copy of the executed sales contract. The closing date is set for XXXX XXXX. GUILD told we can close in that date. 

XX/XX/XXXX GUILD sent me a loan estimate to sign XXXX XXXX GUILD sent me a loan estimate with the rate locked ( 3.875 % rate / 5 % down ) XX/XX/XXXX ( closing day ) GUILD was nor ready to close and asked to reschedule the closing to XX/XX/XXXX XX/XX/XXXX GUILD sent me the closing disclosure XX/XX/XXXX ( after 45 days of the offer acceptance and 4 days before closing ) GUILD notified me that the " loan investor '' can not approve my loan and the main reason was : " Investor not using any rental income from current property since it shows up on only most recent year of tax returns and two year history could not be established ... no exceptions. '' This is unacceptable, I got a pre-qualifiation letter and after my loan was approved and reviewed by the lender 's underwriters I got a loan estimate and a closing disclosure document. It 's my understanding this is what underwriters do, they validate all the loan requirements and they should know what is the investors guidelines for each loan product. 

At this point GUILD offered me another product of course now this is more expensive. XXXX Mortgages XXXX with 4.5 % rate and another with 4.625 % rate. And now I have to put 10 % down. 
This extra 5 % was a big hit on my family savings and it 's causing financial struggles in home. 

At this point I do n't have another option to accept this new loan product. I was on risk of losing the house my family want. ( Seller have other offers ). 
If I went to another lender I would have to start over all the process. 

XX/XX/XXXX GUILD sent me the closing disclosures for the new loans. Closing date set for XX/XX/XXXX The effective closing date was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-04-25
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XXXX years ago, after having someone else on my account who could not afford the bill our services were cancelled. They sent my account to Pinnacle Collections Agency. In XXXX I settled my account in hopes of having a closed status on my credit report. I was told that I would receive a letter after 30 days but need to make sure to call back to get the letter. I paid off XXXX other debts with XXXX other agencies who immediately reported and had the accounts closed. My credit score shot up XXXX points with those XXXX. I waited almost 30 days for Pinnacle to show my account as closed. I contacted back couple of days before 30 days and was transferred to someone else, they advised me I would have a letter within 2 weeks and it would show on my report after 30 days. A little after 30 days the account showed a {$0.00} balance but still " open '' status on my report. I contacted Pinnacle again due to still not getting a letter and the account still showing open. They assured me that it 's on the credit bureaus end and could take up to 90 days and they were " behind '' on their letters but they were mailing it soon. I am now at 90 days since paid, my account STILL shows open, and I have STILL not received a letter. I settled my account for XXXX. If I knew they were not going to report correctly and be completely out to XXXX people forever I would have paid off many more debts with my money. My account needs to be closed and reported CORRECTLY to the bureau. I have disputed this twice now with the bureau that keeps coming back that it 's valid because of the way they are reporting it. This company has been reported numerous times for their shady tactics and not reporting properly. This needs to finally be taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. Portfolio Recovery have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from XXXX Bank and have changed and updated there connect with me. This debt was closed by XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amcol has a collection of {$270.00} on all three credit reporting agencies that is not mine. I have sent letters requesting supporting document since XX/XX/2019. To date they have not provided me with any documentation f have ignored my requests. I am requesting that this be removed from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I opened a chase checking account in 2005. After Chase proposed me an overdraft protection and sent me a credit card connected to my checking with {$1500.00} credit on that. on the same year I used it for a plane ticket and other. To avoid late payment I set up an automatic payment of {$45.00} on the due date. Since 2005 I have been paying that amount, my credit balance never went down. Last month XXXX, I decided to watch that account closely. I paid {$150.00} over. This month, XXXX, that 's exactly what I got in the available credit to use. I went online to see, I found that they cut me {$32.00} interest on purchases every month. I called them to ask them about that. Their answer suggests that it is normal. The {$32.00} interest charge can only go away if I pay their balance in full in one month. 
Concerns : -Do we use credit cards to pay them in full in one month? 
I see many of the credit cards having an APR, an annual interest percentage they cut once a year. And every month we pay some service fee of less than {$10.00}, and some transaction fees when paid over the phone. 
XXXX Paying {$32.00} interest for purchases every month. what is my APR? 
_With {$1500.00} debt, over XXXX years+, I have paid a little more than {$5000.00}, I f I continue to pay the minimum, I will pay this debt off in XXXX years they said. How much will they be getting from me? 
-I do n't think I signed for that kind of credit card. 
-They gave me this credit card with ease, telling me that it 's an overdraft protection. Now I do n't think so. I believe it is a trap to make me owe them all my life long. This is a ponzi skim to get XXXX from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  shows my account delinquent when in fact it has been paid via there web app, they said they did n't recive it in time.   this is not true they have issues with their app.

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 2022-09-13
Company: Selene Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX our loan was transferred to Selene Finance, LP. I had filed bankruptcy back in XXXX and didnt re-affirm the dept therefore I am still on the mortgage but not responsible on the Note. From XXXX XXXX my mortgage never showed up on my Credit Report as me being liable for the Mortgage. As soon as Selene Finance took over they reported this loan to XXXX and showed up on my credit report that I have a mortgage to XXXX which made my credit score drop XXXX  points. I have sent them email about this and called them. One representative told me that they didnt report it and they wouldnt due to the bankruptcy. I sent them the proof that they did and now I got an other representative that was useless and could not help said it would have to be researched. They're also not supposed to charge any late fees due to the bankrputcy and they seem to be a little unclear on this as well. 

Any information or guidance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
On XX/XX/21 I noticed a collection showing on my Equifax report. The negative account shows up as : ( ORIGINAL CREDITOR : ) BAL : {$180.00} STATUS DERAGATORY ACCOUNT # XXXX When I tried to dispute this I was not able to send out a letter because other than ( ORIGINAL CREDITOR : ) there is no name to a business that exists, no address attached. There is no way for me to be able to dispute this account which therefore violates the laws under the umbrella of The Fair Debt Collection Practice Act which prohibits debt collectors from engaging in " abusive and deceptive '' behavior when they try to collect a debt. I made Equifax aware of the situation but yet they did not find the grounds to delete this from my account or they simply got careless. Since I have no way of speaking to the creditor I ask that Equifax honor the law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a victim of the recent XXXX data breach and identity theft. The following account, collection account and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, 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