BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX ; TRANSUNION ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.

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 2022-03-15
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Security Credit Services has failed to comply with the Fair Debt collection practices Act.

This company is in violation of 15 USC 1692b2 acquisition of location information.

( 2 ) not state that such consumer owes any debt ; the term State means any state, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision any of the foregoing. I do not live in the state of Texas therefore this company can not collect a debt, force, or harass me to pay a fraudulent debt. 
Security Credit Services has also failed to comply with my request. Pursuant to 15 USC 1692 G debt validation five rules debt collector must send a written notice containing as validation ( 1 ) the amount of the debt ( 2 ) the name of the Creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the 30-day. That debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such a verification or judgment will be mailed to the consumer by the debt collector ( 5 ) a statement that, upon the consumers written request within the 30-day. The debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I have requested all 5 of these rules and Security Credit Services as simply not complied which is a violation.

Within the documentation sent by Security Credit Services I have received paperwork that has a multitude of violations including 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15USC 1692E ( 10 ) and 15 USC 1692 ( d ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 actXXXX XXXX XXXX  Account # 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-07-27
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My loan does n't seem to drop, I always owe the same amount or more sometimes I really cant afford any longer but I do n't know what to do I figured I 'm almost paying XXXX dollars extra for a XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a dispute against erroneous information reporting on my credit report XXXX XXXX. the  investigation was completed XXXX XXXX and the results were the item was deleted off of my credit report. One XX/XX/2020, the reporting agency RE-INSERTED the information on my report.

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 2018-11-06
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 have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX  XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both Experian and XXXX, demanding they do their job and investigate this false reporting, however, XXXX XXXX  XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.

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 2016-01-06
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-23
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served a court summons on XX/XX/2021 for a debt I do not owe with no proof other then an Amount and a Creditor name XXXX XXXX XXXX  XXXX. I have been getting several spoof calls and voicemails from LVNV Funding LLC at all hours and days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check payable to two parties, both of whom properly received and endorsed said check for deposit. Citibank said they received notice the check was not good but would not provide information to back up their claim that is was not paid. I provided notice that said check was already paid by issuing bank.

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 2016-09-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Transunion has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied. 

I challenge the accuracy, compliance and reportability of this listing.

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 2017-05-30
Company: Experian Information Solutions Inc.
State: CO
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:
Around the beginning of  XXXX  I sent a letter to Experian about the  XXXX   XXXX    XXXX     XXXX  loan for {$6700.00} appearing on my credit report. It says i took a loan out with them in  XXXX   2010 . During this time i was  XXXX   XXXX  to  XXXX  as of    XXXX    2010   . I did not take out this loan. I explained to experian that i tried to contact this company numerous times and have them provide proof that i got this loan, such as signed paperwork and the I.D . used, but they refuse.  XXXX    XXXX   XXXX   XXXX    refuses to give any proof and says they passed it off to  XXXX   XXXX . Calling  XXXX    XXXX   results in the same saying  XXXX  has to provide the info. I explained all of this and submitted a dispute with experian. Experian says all they have to do is call  XXXX   XXXX   XXXX  and if they say it 's legit, then they are good to go. I do n't think it needs saying how unacceptable this is as a response. If they can not provide me a physically signed copy along with the ID used to take this loan out, then this needs to be removed from my credit report asap.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received communication from my mortgage provider that my home owners insurance had expired and that they would seek to provide coverage that would be more expensive and less coverage than if I would be able to obtain on my own. I cancelled my policy at year end of XXXX with XXXX XXXX and went with a new insurance provider ( XXXX ) for this year XXXX. There was some mis-communication between my new insurance provider and my mortgage lender. My mortgage lender never received the new policy. I was first contacted by them through mail sometime in XXXX and they had instructions on how to upload my new insurance info through the 3rd party website XXXX which I went and completed. I thought everything was good until XXXX when my new bill for XXXX went up by {$150.00}. I called on XXXX, XXXX, XXXX & XXXX trying to resolve this issue and I asked them to also remove my insurance from being calculated in the escrow account as I will be paying them directly as I have starting this year. All those phone calls, the rep couldn't help me. They gave me email addresses and websites. I tried multiple times to upload my insurance information and sent emails with no return response and my mortgage payment is still increased by {$150.00} and my account still shows my expired insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Equifax Credit Bureau violating The Fair Credit Reporting Act ( FCRA ). They have failed to thoroughly investigate errors. I have sent documents proving errors and disputed again. The account is not closed and is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Financial Management Solutions, LLC
State: MD
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:
My name is XXXX XXXX I used to live at XXXX XXXX XXXX XXXX XXXX XXXX, md XX/XX/XXXX, XX/XX/XXXX I moved out on XX/XX/XXXX to live with my family after this time I went to rent my own apartment because I got married, they declined my application because I have report from financial management solutions phone number # XXXX/XXXX, I called them and I asked them to give me explanation why I owe XXXX the representative he is name gamble if am not spilling wrong he said you didn't pay rent for month of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, I told him if I have approve I payed for this months, he said doesn't mean you have receipt show the month that mean you payed for the same month may be you payed for month before, i told him what I know when you rent appartment you on advance for the month or you going to move out by XXXX or XXXX by court order he said they didn't have enough time to get court order I told since XX/XX/XXXX to XX/XX/XXXX the time I give note of leaving 4 month they didn't have time to file this dose n't make since to me, and I asked him for payments history report he asked me for mail address I said I don't have one but I have e mail you can send through my email he said he didn't have time to send 15 sheets by email .all through this conversation he try send me message like you have only one option just pay that money

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 2022-07-11
Company: EQUIFAX, INC.
State: OH
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 XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting 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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2017-05-30
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit file about 4 months ago and notice that AMERICAN COLLECTION WAS reporting a fraudulent account on my files. I requested for verification and validation of the alleged debt. They never replied back. I sent them a second request, but to no avail. They continue to call my home at all times of the hour making threats that i can be arrested. This is not my 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