BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, Transunion you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,

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 2022-09-28
Company: Synovus Bank
State: IL
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:
This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX etc.. 15 USC 6801 ( a ) clearly states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks, payment history guide ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX  / XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX NOT MY NUMBERS

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX / XXXX XXXX XXXX XXXX {$120.00} XXXX  xxxxxxxxxxxx XXXX {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX H : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX NOT MY NUMBERS

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 2022-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know the dates, amount or company, as this was over 20 years ago. Portfolio XXXX bought an old debt from some credit card company They call my phone everyday before the new law went into effect theywere calling 6-10times a day.Now they call everyday from a different number. No message nothing I have caller ID so that's how I know it's them. Phone numbers within the last week are XXXX, XXXX, XXXX these are just part of the numbers. I have asked them to cease and not to have any other contact with me for the last 4 months. They continue to call Everyday once someone did reply with a laugh and said I can call you everyday and you can't do anything about it. I'd didn't write the date down. I've even tried to block their calls and they use another number. I don't even know what credit company it's for. But I do know it's been atleast 20 years ago if not more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: BROKER SOLUTIONS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage closed in mid XXXX. Property taxes were supposed to be paid as part of the closing. The taxes were not paid and are still owed. We called New American Taxes department twice in XXXX ( XXXX and XXXX ) and again today XXXX XXXX. The county treasurer verified taxes remain unpaid. The taxes owing at closing were about {$1000.00} and as of today the total taxes including XXXX is {$2100.00}. The county is asking us why this has not been paid timely. This goes on our records as a late bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Colony Brands, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX : A company going by the name of " XXXX '' and " XXXX XXXX '' began sending me invoice statements for products or services that I did not order. This account is fraudulent. I have never ordered anything from this company, nor has any member of my family ordered anything from this company. The company 's address is listed as XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2022 : The company " XXXX XXXX '' sent a notice threatening to turn the account over to a collection agency if the invoice wasn't paid. 

XXXX XXXX XXXX : I discovered the company XXXX XXXX XXXX XXXX information about this fraudulent account to my local credit bureau. I discovered this when I applied for an auto loan to purchase my wife 's car. Because of the damage to my credit rating caused by this fraudulent report, I was unable to secure auto loan financing. 

XX/XX/2022 : Called the number on the XXXX XXXX invoice and the company refused to close the account. The representative said to file a report with the FTC. 

XX/XX/2022 : The company XXXX XXXX sent another invoice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out around {$19000.00} to get an XXXX degree from XXXX. I was an independent student so at the time federal loans and grants fully funded my education. When I graduated I had a job that barely allowed me money to live. I consolidated all my loans to XXXX XXXX who subsequently sold the loans to AES aka PHEA. From around XXXX my loans were serviced by PHEA. early on in the repayment I defaulted and the amount grew to {$29000.00}. I was able to get back on track but in XXXX I was getting divorced and again found myself unable to pay my loans. After exhausting my Forbarences I was in hours of conversation with PHEA as to how I could get on an income driven plan to lessen the burden. I was told that the only way I could do that would be if I went into default. Shortly after the 120 days were up in I was in financial ruin, I was contacted by PHEA and offered an income driven repayment plan, I took the offer. I was told that my payments would be $ XXXX month until I didnt qualify anymore. I was also told that because I defaulted that my new loan with the collection fees would be {$59000.00} and that all my qualifying payments made towards PSFL Would no longer qualify and that I would need to start over. My loans are now {$89000.00} ( I added {$2200.00} for a masters mostly because being a XXXX XXXX XXXX again was safer ). I asked PHEA to audit my loan for months as I though that {$30000.00} in collections fees were absurd but they sold my loan to a new servicer and never answered my correspondence except once to say that they no longer service my loans. I recently learned that the state of Massachusetts sued PHEA for the very practices that I am speaking of and I was excited that someone was doing something. I was living in Massachusetts until XXXX which my luck would have it is the exact cutoff for the lawsuit. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Try calling the company but no one could help me or did not know what this was for. All the call I made, i asked to speak to someone but the person on the other line could not help me or find anything under my name. 
number I called was XXXX. 

Please help me trying to clear this from my account. Credit line. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has placed an account as derogatory on my credit report and placed this account with ERC collections on XX/XX/XXXX stating there was an account opened with them on XX/XX/XXXX this was also reported on XXXX and XXXX but then gave a different date reported to XXXX stating it was opened XX/XX/XXXX it is apparent that there is an inaccuracy here on dates. I have no knowledge of this account or any agreements made with XXXX or ERC the address on file is not my address. I have requested any signed contracts to validate any agreements to this debt from ERC Collections they stated they do not have any of these documents to prove this debt in accurate or belongs to me. I am requesting this account is immediately removed from all credit bureaus due to inaccurate information, inaccurate opening dates and lack of evidence validating this debt. 

XXXX account # provided is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: MD
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:
Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX TXXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXXBalance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$470.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXXBalance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$640.00}

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 2022-09-28
Company: Fairway Capital Recovery, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Wednesday, XX/XX/2022 on or about XXXX, I received a phone call from a unknown woman debt collector representative at Fairway Capital regarding two accounts. As we were talking, I told her that we have different perspectives about the two accounts, regarding the XXXX XXXX which, I had an verbal agreement with the doctor that he will help me with my bill and with the XXXX XXXX XXXX XXXX ambulance service. I told her that I already had given the car insurance information to XXXX who is a XXXX of XXXX government billing official. In an inappropriate unprofessional tone of voice and demeanor, the unknown woman caller became short with me after telling her, that this is an insurance matter since my car insurance company under Kentucky law ( PIP ) is responsible for paying for the ambulance ride. I gave XXXX my claim # with XXXX XXXX XXXX insurance company. Following me telling her we have different perspectives about these matters, she said " I am going to report that you are failing to pay '' and hung up on me. At no time, did she cooperate or allow me to dispute the debts, or allow further time or in other words, freeze my accounts until the insurance company got back with her with payment. Therefore, I called Fairway Capital back minutes later and talked to Representative named XXXX. I told him I want Fairway Capital to validate alleged debts owed, account numbers etc. and reported the misconduct of the previous representative and wanted him to report this incident to the higher ups. At no time, did I indicate that I was refusing to pay. Her telephone etiquette, behavior/demeanor alleging that she was going to mark it down that I was Refusing to pay appeared to be abusive in nature and a threat to harm my credit or get me sued financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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 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 2022-09-22
Company: Credit Karma, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They gave me false hopes about being pre-approved for credit cards, loans, and auto loans and when i go to apply it lowers my score as im thinking i could be approved but havent gotten approved im seeking monatery reemedy monatery damage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Steel River Systems, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved an email in my spam from Steel River Systems LLC, they are claiming that I owe them and that my only option to dispute would be to dispute by end of day today. 

I am disputing this alleged 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.

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