BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( 50k as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies XXXX and TransUnion with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not 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 2022-06-15
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:
I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXXXXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXXXXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number 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 an 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 2022-01-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$50000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction. 
I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT MANAGEMENT. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have  been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of  Florida to collect on ANY debt. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.

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 2019-11-23
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: Their investigation did not fix an error on your report

Complaint:
I sent Experian, XXXX & XXXX 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from Experian XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from XXXX XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.

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 2017-09-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is against XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of identity theft, and have had an extended fraud alert placed on all three credit reporting agencies since XXXX2016. XXXX allowed someone to illegally use my personal financial information to open an account in XXXX, New York. If XXXX had done their due diligence when opening this account, they would have been notified of the extended fraud alerts in place, and stopped this identity theft from occurring. I am a resident of Texas, and the attempt to get service from XXXX in New York should have been easily detectable as fraud. 
In addition to having a sub-standard credit approval process in place when creating the fraudulent account, XXXX had the Collection Bureau of Hudson Valley place a collection on my credit file. This has cost me hours of time to correct, and I believe XXXX should be required to compensate me for all lost time during this process and for any damage done to my credit rating as the result of their poor business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: FIRST ADVANTAGE CORPORATION
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact XXXX, XXXX & TRANSUNION do not have my written permission to report these accounts on my consumer reports.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Personal information incorrect

Complaint:
I have been a victim of identify theft I have reported the problem already with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reach out to the companies already and got no help I have attached my XXXX  drivers lice sec which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.

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 2022-06-15
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  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-11-23
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home loan was acquired by Flagstar bank soon after closing in XXXX of XXXX.  The original lender was XXXX XXXX XXXX. County tax information was included in loan paperwork but they failed to include city taxes. Flagstar Bank failed to catch this error, despite servicing many other homes in the same town/county, and after more than two years, we were served with a lawsuit from our city for unpaid taxes. After MULTIPLE conversations with Flagstar and Flagstars legal department, we were unable to determine what happened. I refinanced the same property in XXXX of XXXX, with Flagstar, and had a clean title and, unbeknownst to me, city taxes were NOT included once again. Flagstar has since debited my new escrow account for the XXXX  and XXXX city taxes without my knowledge. This was done after several phone calls, from me to Flagstar, demanding answers to why the taxes werent paid and about the pending foreclosure by the city of XXXX XXXX. With no communication about the steps being taken by Flagstar to resolve this problem, I received a new escrow account summary with two large amounts taken out with no explanation ( these amounts also include penalties and legal fees for the delinquent taxes ). This has brought my new mortgage payment up more than {$160.00} a month. Not only did Flagstar not catch this obvious error that I had no knowledge of, but they failed to include city taxes in my new refinanced loan and, therefor, my closing documents and monthly quote were incorrect when I refinanced in XXXX of 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 2017-09-12
Company: EQUIFAX, INC.
State: VA
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:
My information was initially exposed in the XXXX breach and gained access to credit and identity monitoring after that incident. Since then, I regularly check all alerts that typically include normal inquiries for credit or new accounts being opened that were my own. I recently found out that my information was also exposed again during the recent Equifax breach and yesterday I got another alert that XXXX XXXX XXXX had done an inquiry on my credit via Equifax. Knowing this was n't initiated by me, I contacted XXXX XXXX XXXX 's fraud department and found out that on XXXX/XXXX/XXXX, a wireless account was opened with my SSN using someone else 's name and address. XXXX XXXX XXXX 's fraud department actually did close the account as of yesterday and marked it as fraudulent but now I have confirmed that my SSN has been exposed and was stolen with the intent to use it to steal my identity. I have reported fraud alerts with XXXX who said that fraud alerts would then be sent to the other XXXX major bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Just received a phone call from this company, AFNI, and I informed them, yet again because I have requested a validation of debt previously, to send me a validation of the alleged debt to the address that they have on file the representative told me that they did send it, and to check the mailbox. I have not received anything from this company, and yet AFNI still proceeded to attempt to collect on a debt that is still going through a validation process. Pursuant to 15 USC 1692g ( b ) collection efforts must cease when a debt is disputed.Therefore, the phone call was in violation of 15 USC 1692, and AFNI has called me numerous times within the past couple of weeks prior to this phone call about this disputed debt. 

The representative also attempted to threaten me by saying that " the debt is not yet reporting to my consumer report yet so it would be best to settle the account. '' I informed the representative that reporting the alleged debt will be in violation of the FDCPA, as I still have not received a validation of the debt therefore all collection efforts must cease. He told me that I was incorrect, and that according to the FDCPA they are able to still collect on the debt. That is false, as that goes against the federal statute that was put in place in order to protect me, the consumer from abusive and deceptive debt collectors. 

Reporting a disputed, unverified debt to a consumer reporting agency qualifies as a collection of the debt, and all further attempts to collect on the debt including any subsequent reports to the consumer reporting agencies violates 15 USC 1692g ( b ) ( Semper v. JBC Legal Grp., XXXX WL 2172377, *4 ( W.D. Wash. XXXX XXXX XXXX  ). 

When I told the representative that the debt was an alleged debt he laughed and said " alleged? would you like me to tell you the balance on the account. '' I did not appreciate the accusation nor the abusive and condescending tone that this representative displayed. Again, I have never received any documentation about this alleged debt from AFNI so for them to slander me for something that they have yet to prove and then threaten to report it to my consumer report is extremely harmful to me and my reputation as a consumer. 

At the end of the call I told him again to send me validation of the debt to the address that they have on file and that all collection efforts must cease, he said okay and we will still continue to collect on the debt. I was blatantly threatened by this company while at work, which is a violation of 15 USC 1692d that is in place to protect me from such harmful actions. This phone call has put me in a stressful position which led me to have to finish work early because I was not able to do my job at a level of efficiency that is expected of me due to my mind being distracted by this phone call.

Company response to consumer: Closed with explanation