BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from XXXXl XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.

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 2019-12-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,    2017 I received a letter (  copy enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      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 2017-06-03
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payment was due   XXXX   XXXX   XXXX      ( Monday )  and the website was down on  XXXX   XXXX  when I tried to make my payment. On the  XXXX  I was able to log in but they had removed the usual portal to make payments by and had no explanation. I sent an email but had to wait until  XXXX   XXXX  to receive an answer. Then the directions they provided were long and not easy to follow at all. I eventually was able to make my payment on that day but my complaint is that this whole episode and anxiety could have been avoided and I could have accumulated late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: DE
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 online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. The personal information about the different addresses being linked to my profile is erroneous. Please supply any documents or papers that show that I have lived to these specific addresses mentioned. 
XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,  2017 I received a letter ( co py enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you  may  have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      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 2017-06-01
Company: Account Control Bureau
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent certified letter to Account Control Bureau, which they received on XX/XX/2017. I have tried and tried to collect data from this company with no response. I requested validation of this account, bearing my signature. It has passed their 30 day mark, I then sent them a second letter, and again, I have gotten no response from them. They also did NOT mark my credit report disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still some accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: PARAGON REVENUE GROUP
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was forced to ride in an ambulance when I was in a stable condition to drive to the hospital I was forced to go to, they made me have tests run after I asked for a form to leave and that if they kept me I would lose my job, which along with made me lose my insurance coverage to cover the overpriced medical attention I did not require. I was forced into summit ridge for 6 days and was terminated from my job for absence even with proof of medical reasons and they did n't try to ever collect their money until AFTER I had lost my job and insurance.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-16
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
the company is santander consumer USA. the interest rate that was on the vehicle before repossession was 18 % even though i had good credit at the time. i know i had good credit because i had one late payment on my credit report at the time, in XX/XX/2019 or around that time whenever i got the vehicle. i have reported this company to the department of justice state attorney general 's office of north carolina where i reside. during the pandemic i was struggling to make payments because of the high interest rate. there was no way i was going to keep paying over XXXX dollars a month for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.

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 2017-06-03
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In  XXXX  of  XXXX  I applied for an apartment. I was informed a debt for  XXXX   XXXX   XXXX  appeared for an amount of  XXXX  $ through ERC debt collection. I have n't had any  XXXX   XXXX   XXXX  services for a good number of years so I assumed it was fraud since it showed it was placed on my credit  XXXX  of  XXXX . Upon talking to  XXXX   XXXX   XXXX , the debt is from  XXXX . It 's  7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have  XXXX  kids,  XXXX  of which is  XXXX  and we needed immediate housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Debt Recovery solutions dated  XXXX / XXXX /   17  stating that i owed them, however, the current creditor is  XXXX   XXXX   XXXX   XXXX , and the original creditor is  XXXX   XXXX    XXXX   XXXX  .   On  XXXX / XXXX / 17 , I sent  Debt Recovery  Solutions a certified letter requesting that they validate this alleged debt, however they have failed to do so and they continue to report this alleged debt to the credit reporting agencies.   On  XXXX / XXXX / 17 , I received a letter from  Debt Recovery Solutions d ated  XXXX / XXXX / 17  with a bill from  XXXX   XXXX   XXXX   XXXX  showing a balance {$0.00}. They have not provided me with any legal documents about this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: 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, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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 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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After repeated marketing calls, I submitted an application for a HELOC on XX/XX/21. On each call I stressed the importance of turnaround time ( they had quoted me XXXX weeks ) and what it was going to be used for- a kitchen and bath renovation which was to commence in XXXX ( this is all on a recorded line ) .They sent out an appraiser in late XXXX/early XXXX and told me that they wouldn't be able to lend until renovations were complete. With supply chain back-up probably won't be until XXXX at this point. They cited underwriting reasons. When I inquired as to what specifically, they said they would need an operating kitchen and bathroom. We have XXXX bathrooms, only one being renovated. Additionally we have a kitchenette with microwave/refrigerator/air fryer/sink etc. I raised it up a level at BOA ( couldn't get past the supervisor XXXX XXXX ). They sent out an appraiser a second time and verified bathroom/kitchenette ... .told me in XXXX that I would need to reapply once complete. I had divulged every step of the way the renovation/timeline ( it's on the recordings ). I had relied on them. It was way late in the process to spring this on me.Apparently the underwriter failed to read the notes in the file. In XXXX, they told me that I would need to re-apply. I told that that was unreasonable since bills would come due well before then and it would be another XXXX weeks as well as being too late to apply to another bank with similar turnaround times. In early XXXX they said they would keep it open another 30 days and revisit at that time. In the meantime, I received a letter stating that they declined my application for " underwriting reasons ''. I otherwise qualify. I immediately called BOA and now they will not return my call. 
I feel manipulated and deceived. As a BOA " preferred customer '', I was heavily marketed. I fully disclosed every step of the way what the loan was for and the timeframe as to when I needed funds and when construction would commence. 
Now, I'm in a bind. I need to deplete retirement accounts with heavy tax implications. 
Had they told me at the start, or even early on that they were unable to do it, I could have moved on to another bank. However, I relied on their good faith in representations made to me. I will pay the price for their ineptitude. 
Alternatively, I'm not certain if they were trying to " jam '' me into a construction loan, which would require a total refi... .which is a totally reprehensible tactic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: DE
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:
Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trying to fix my credit history I stumbled upon M Leonard and Associates on my credit history for {$360.00}. I contacted them today XX/XX/XXXX regarding the debt collection I had no idea about, asking for more information about the debt. They told me all they could tell me is that its from XXXX XXXX XXXX and that it was for services rendered XXXX and XXXX of XXXX. I got off the phone with them and proceeded to call XXXX XXXX group. They let me know that I do not owe them any money according to their numerous records kept, and that I should contact M Leonard and Associates again and ask for the specific Dr/Clinic Requesting the debt collection. I called them back and they proceeded to tell me they couldnt give me any further information and that XXXX XXXX XXXX uses XXXX  for their customers to look up all of their Dr visits. I called XXXX they helped me make an account and i was able to see that there was no visits on XXXX or XXXX of XXXX for me or my dependant. M Leonard and associates is breaking the law reporting this debt not owe and not providing me with any information to justify it being on my credit history,

Company response to consumer: Closed with explanation