BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " Vance and Huffman '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call at XXXX on XXXX/XXXX/16 from XXXX XXXX XXXX . The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from Discover Student Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from XXXX XXXX XXXX. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

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 XXXXXX/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 non-monetary relief
Consumer complaint received 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report has information not belonging to me. And there is another SSN that is not mine. I have pulled the report with all XXXX agencies and they show items from XX/XX/XXXX. I am press for time in getting this repeatedly removed. There is XXXX in this process and ID theft during XX/XX/XXXX. I place a watch with several companies and no resolutions in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax requests unnecessary information to delete an invalid address ( address must have been entered incorrectly years ago and added to my report ). Equifax can check with the town and US post office to verify the non-existence of the address. Sending in my license, utility bill, etc. that only shows my current address is irrelevant. TransUniion does not require the information to process my request to remove the invalid address associated with my account - why does Equifax? Deleting an old address should be instant. Especially in cases where the address is invalid or necessary for the protection of the person ( s ) requesting the deletion. No proof beyond what is required to view one 's credit report should be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with the Fair Credit Reporting Act these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-04-21
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
This complaint is being filed because of the constant non-compliance of Equifax. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/XXXX I mailed a letter to Equifax challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX I recd a response dated XX/XX/XXXX stating account had been verified belonging to me and has been updated. I wrote another letter and mailed it certified to Equifax on XX/XX/XXXX to Attn : Dispute XXXX I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX  and XXXX against XXXX XXXX System XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX XXXX. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Please note the so call verification was done on XX/XX/XXXX but the letter sent supposedly to credit reporting agencies for deletion of the account is dated XX/XX/XXXX. Why was it verified and updated by Equifax when XXXX XXXX XXXX XXXX XXXX XXXX XXXX had already sent a request for deletion. Why is this account still on my credit report? When I sent proof, it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Our XXXX Mortgage XXXX primary ) was paid in full when we sold our home in IL in XXXX. We have the settlement letter from XXXX Bank for our primary mortgage and XXXX shows it closed and paid in full but TransUnion still shows it open - no late payments as wel as no payments since XXXX which makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have found SLS very difficult to work with. Applied for Loan Mod. in  XX/XX/XXXX, but they claimed they did not get it. Resubmitted all documents several times and finally new Loan Mod. granted and mailed out on XX/XX/XXXX. I signed and returned all paperwork and completed the 3-Trial payments, on-time, as of XX/XX/XXXX. I requested a LOWER Interest Rate and Monthly Payment Amount for the ne payment amount. However, SLS RAISED the Interest Rate from 3.75 % to 3.87 % and RAISED my monthly payment. I called SLS on this, on XX/XX/XXXX and spoke with " XXXX '', who stated, " These terms are non-negotiable. That's the only way we are able to approve the loan modification. '' XXXX refused to give me her ID #, so I had to call back on XX/XX/XXXX and get it. Teller ID # XXXXXXXX. Said she does not have an MLS #. I filed a Complaint on XX/XX/XXXX and SLS said they could not read it. I re-faxed the information, again, several times and resubmitted the CFPB Complaint. SLS has DONE NOTHING to correct these Complaint ISSUES. The CFPB has a Glitch in the system, which would NOT allow me to submit my complaint. I had to SAVE it to a File ; and then attach that File.

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 2022-04-21
Company: EQUIFAX, INC.
State: NM
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:
In accordance with the Fair Credit Reporting Act these companies 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, SD XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
My son gave me a check written on his Chase Bank personal account. We both have the same last names. I took the check to Chase Bank in XXXX, TX. He had sufficient funds to cover check, I presented a valid id and the bank refused to cash/honor the check because I did not have an account with them violating federal banking regulations. They did not even try to contact him by phone to verify check. I spent approximately 20 to 30 minutes in the bank. The vice-president stated that she did not have the authority to cash this check and was unable to reach any of her supervisors for an authorization. Very hard to believe. In short, they refused to honor their own check written on there bank with a good customer who had ample funds to cover the check. I do n't understand these big corporate banks who make it very difficult to do business with. It is no wonder they spend huge amounts of money on advertising to draw in new customers when they should learn to take care of their existing customers. Do business with a independent bank for superior customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This fraudulent XXXX account that keeps reporting on my Equifax credit report that i have disputed four times already, this particular account was sold to a collection agency by the name of XXXX, in which whom took me to court concerning this same account that they purchased from XXXX. The judge dismissed this case for lack of proof of Proper Documentation. XXXX No longer reports to the CREDIT Bureaus because of the courts ruling on this particular Account. As i stated i have disputed this through Equifax four times already and requested That XXXX provide them Proof of the original contractual agreement and proper Documentation proving ownership concerning this Fraudulent Account in my name, which i have not received any information or proof of Documentation concerning this XXXX account thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to Delete this from reporting on my Crdit Report and they have not Deleted it yet ... XXXX and XXXX have deleted this same account from reporting on my credit report from XXXX, Account # XXXX I am writing and submitting this complaint for this particular XXXX Account to be removed form my Equifax Credit Report. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$11000.00} XXXX XXXX {$14000.00} XXXX XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Wilber and Associates, P.C.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was in a minor accident and XX/XX/2020, I barely did no damage to this vehicle! The driver exchanged information with me about a week later he shared come to my house to serve me with court paperwork, all I was going to court for was not having insurance and license, he had talking to the other driver at the scene, a few weeks later I get a call from Wilber Accosciates saying that I owe {$4000.00} and that I had to pay XXXX bucks that day, otherwise my license will be suspended and I had just got my license! So I paid XXXX XXXX the first day! I did not have this money at all! This was a rent payment for me and this was very hard on me and my children, and after that she started calling me almost every week say that I owe them this money, I think in reality Ive given them about XXXX if not more at this point I feel like its wrong! I went to court I had a whole case settled and there is no mention about paying this accident back or Wilber Accosciates or anything else!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2016-12-26
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill stemming from a motor vehicle accident XX/XX/2013. 
Entire bill was paid from medical bill lien {$5700.00} dollars ( Copy Enclosed ) and account is settled in full. 

This is the second attempt to collect this debt from this XXXX office.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. 
XXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. 
I recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. 
I do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Security National Automotive Acceptance
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am not being supplied an accurate account of my payment history. My online account is not reflecting any of the payments I have made in the last 30 days, which amounts to approximately {$1900.00}. I have called SNAAC to request my payment history be emailed to me, as they have done in the past, I get told that it will be sent to me, but I receive nothing ( which I find very unusual ). 
My Auto financing lender ( SNAAC ) stated that I owe a certain amount of money to complete the balance owed on my vehicle, however, when I have requested clarity in form of a written statement, stating the exact balance, they have failed to effectively communicate the Facts, but instead have continued to ask for money. 
I do n't trust that I 'm being given correct information, and I fear that I might be asked to pay More than what I am actually financially responsible for. 
I appreciate your assistance in looking into, and your help in resolving, this matter. 
Thanks

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 monetary relief