BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have any contract with this company and they are alleging I have a debt with them and have violated my laws attempting to collect this illegal debt.

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 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
I just received my reinvestigation from Experian via their portal. Report # : XXXX. They said everything was 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, close date, date last active, last verified, term length, high balance, and date of last payment is NOT 100 % accurate. 


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 XXXXXXXX They did not modify, or delete, the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

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 2023-05-15
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX enter into a collection contract with XXXX, with XXXX XXXX. File number # XXXX. I paid the car off through XXXX. XXXX, never reported the agreement with the 3 Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like XXXX took my money and never told Westlake Financial that I made the final payments to XXXX XXXX XXXX My credit score is tanking due to XXXX. I called Westlake Financial they seem to know nothing about XXXX collection agency. Westlake Financial still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by Westlake financial and XXXX collection agency. 

Westlake Financial account number XXXX XXXXXXXX. 
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 2023-11-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting 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 told Equifax these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. Equifax refused to remove inaccurate and fraudulent information from consumer report. 
Equifax commission file number 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 will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
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: Account status incorrect

Complaint:
My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.

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 2023-11-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize XXXX XXXX  from any of the following accounts. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/ XXXX I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XXXX XXXX XXXX I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX XXXX  I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for XXXX XXXX. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-17
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX of XXXX, I contacted Aidvantage to see what I had to do to resume my payments. When it was XXXX, I had to temporarily halt my payments. I tried to resume, and Aidvantage ( over the phone ) told me to wait until XXXX. I called in XXXX and asked what the payment amount would be, and they said they were waiting for government information. In XXXX, I obtained a job at a {$6.00} per hour pay cut, and requested a look at my repayment plan based on my changed income. I applied twice on line - I kept getting texts that my payments would be nearly {$200.00} a month, which I can't afford at this time. I called in late XXXX and was told it would be {$99.00} a month. This week, I received a text that my payment of nearly {$200.00} was due XX/XX/XXXX. I again applied for an evaluation based on pay, with no response. I tried calling today ( XX/XX/XXXX ), and reached a message saying their office was temporarily closed and no date of reopening was available at this time. I also tried to schedule a callback on their website, and all of their dates and times are blacked out. The dept of Ed had no knowledge of this and could not tell me what I could do. I will be officially defaulted on XX/XX/XXXX. I do not feel comfortable sending a company money that I can not contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; Medical XXXX Balance : {$65.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: United Resource Systems, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Resoure System was sent a certified letter requesting for proof of verification/ownership. United Resoure System has not verifiy the debt as mine, however they are still reporting to all three major credit bueraus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela student loan provider shows me owing XXXX. I attended XXXX XXXX, XXXX online from XXXX to XXXX and graduated in XXXX of XXXX. I never lived on a college campus and XXXX never gave refunds but I do not remember every getting a loan over XXXX during a session. 

I have applied for XXXX and was denied even though I have worked 15 years for a State Agency and my application was submitted during the time when XXXX XXXX was waiving the requirement where we needed to have 10 years of payments. I kept my loans in forbearance and deferment because I earn XXXX. Per year and can't pay XXXX a month in student loans. I want my loan profile reviewed and validated. 
Also, I applied for the Borrowers Defense Relief but I was denied because I live in Texas where the attorney General who was just impeached for abuse of power did not sign on to take part in the class action lawsuit that provides relief for students that were victims of schools like XXXX  that guaranteed employment for its graduates and failed to create the supportive career services that we were promised. 
I worked for temp agencies for a few years after I graduated before I got a full-time job. 

I just want Mohela  to review my case and explain how I can have XXXX loans ranging from {$48.00}. to XXXX, XXXX, XXXX, XXXX, with the highest being XXXX. Also the dates range from XXXX to XXXX. If my loan server was worth the money they make to service my loan the would review this ridiculous amount of money that the are telling the world I owe. An education that costs XXXX should belong to a XXXX surgeon or a CEO of a fortune XXXX with an XXXX XXXX stamp. I am angry, disturbed. And discouraged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX XXXX fraudulent account was disputed and deleted in XXXX of XXXX ( please see the attached TransUnion dispute results ). However, XXXX and TransUnion credit reporting agencies reinserted the fraudulent account after a month without notifying me.

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 2023-12-11
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Santander had repossessed my sons car and put on my credit he did not pay to get back because tow truck had scapped the bottom and car came off hunge and landed side ways with damage now it it reported on my credit as charge off sold to another company with out my consent santander shows amount XXXX and other company showed XXXX so two amounts different and both on my credit report for a debit that shouldnt be on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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 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 2023-08-02
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has reported that I owe a debt of {$5900.00}. They have sent the debt to National Credit System collectors. I notified XXXXXXXX XXXX of my plans to move to XXXX Texas due to a new job which I started in XX/XX/2023. I closed on a house in that same month. I did not leave unpaid rental fees for the lease that was up in XXXX of XXXX. During the exit tour of the apartment the property manager, who is no longer employed at XXXX XXXX, gave me the ok that all was fine ; the apartment was not damaged, it was clean and I passed the exit tour with nothing due. I gave notice of intent not to renew my lease in plenty of time but it is noted here that I tried 7 times to meet with the management team to acknowledge the receipt of notice. I continue to have repeated unanswered communication with XXXX XXXX. I have had one returned cal from a district manager who said she would get back with me and I have not heard from her since. I have repeatedly requested an itemized list of charges from National Credit Assc and have received nothing. 
I need help in getting this resolved. After hundreds of people left with unpaid rental charges after the pandemic and did not get docked for it- yet I get docked for keeping my rent paid, depleted my savings for doing so, then got a great new job... gave plenty of notice per my lease, left no unpaid charges... yet I am reported to the credit bureau for nearly {$6000.00}. 
I NEED HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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