BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accountsin my Credit Report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 2016-02-13
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone completely fabricated a debt and sold it to a collection agency who in turn hired an attorney who filed and received a judgement that is still in the court records and on my credit reports = The debt was said to originate from medical bills due to XXXX XXXX XXXX - XXXX XXXX, I called both agency ; s billing departments and they said I have no debt with them and they never turned over any debt to a collection agency = This debt is COMPLETELY fabricated and is harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to Equifax, XXXX and XXXX XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to XXXX, Transunion and XXXX XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Duvera Billing Services, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2021, I entered into an installment loan with XXXX XXXX for {$1400.00} to be paid in semi-monthly payments of {$120.00} ( {$240.00} per month ). I made several payments and realized the balance was NOT decreasing, but instead increasing. I read through my contract and noticed the interest rate is 168.98 % - FAR beyond the legal limits for non-bank loans. My balance is currently {$2200.00}. 

Unfortunately, I've been unable to determine what the interest amounts calculate to per month because they've never issued a statement and there are no statements available to view online. I have attached screenshots of the empty Statements page. 

The state of Maryland interest rate cap is 33 % for consumer loans. It seems XXXX is violating state of Maryland Laws. I am requesting that the CFPB investigate XXXX 's lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Pinnacle Credit Services, LLC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to.

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: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence has been repeatedly calling and harassing me and my family regarding a bill I do not owe. I have disputed this bill in the past and have got it waived from XXXX XXXX XXXX but a manager from Credence names XXXX XXXX has been putting pressure onto me, by threatening to damage my credit. I have spoken to him several times, they agree to delete the credit tradeline only if we pay a minimal amount of {$780.00}. THE ONLY WAY I can fight this is to file a complaint as I solely depend on XXXX benefits to satisfy my day to day needs. Credence also threatens to garnish the XXXX benefits

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: Omnipoint Capital
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They say they are calling from Omnipoint Management, but the caller id has shown XXXX XXXX and XXXX XXXX XXXX. I have asked them to stop calling and to stop calling my work. They have refused. They have also threatened legal action. 

The numbers they have called from are XXXX, XXXX, XXXX. They have called twice today XX/XX/XXXX. They called twice on XX/XX/XXXX. 

I've asked them to provide me with proof that I owe the debt. They have produced nothing to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Strategic Alliances, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2016-05-25
Company: Curtwright & Klein, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On numerous occasions, my wife and I have been contacted by representatives from a company named " Curtwright & Klein, LLC ''. The messages are usually quite vague, stating that the person is " trying to get in touch with XXXX '' ( my brother ) and that they 'd appreciate if we could help them get in touch with him due to an " urgent matter ''. In most instances, only a return phone number is left and no mention of debt collection. 

My wife and I are estranged from my brother and have no way of getting in touch with him. At several points over the last month, we have called this collection agency back and asked to be removed. They have not respected our request and continue to call us. Sometimes it 's a live person, other times it 's a recording, and the caller ID varies. 

Phone numbers used : XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Asset Management Outsourcing, Inc.
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:
Nationwide Recovery Serv XXXX  XXXX XXXX XXXX  for {$110.00} Sold this alleged debt opened XX/XX/2021 which is a Violation of HIPPA Laws. 

In accordance with the Fair Credit Reporting Act XXXX Nationwide Recovery Serv  XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5USC 1681 section 602 states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : TransUnion - XXXX XXXX  - XXXX 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

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 2022-06-03
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 was notified about an XXXX account on my credit report from my mortgage banker who pulled my credit in XXXX of XXXX. I knew of this account because I disputed it not only once, but twice, with screenshots/attachments from my account with XXXX, stating that the account was paid off. However, to my surprise, Experian sent me the results of the first dispute which was submitted XX/XX/XXXX ( document 1 ) stating that : The company that reported the information has certified to Experian that the information is accurate Of course being surprised by the certification that Experian received from XXXX that was obviously untrue, I re-disputed the XXXX  account and added the screenshots/attachments to the dispute showing the account number and the balance of {$0.00} ( Document 2 ). Now surely with the provided evidence of the XXXX purchase at {$0.00} they will grant the dispute and remove the account. Yet once again, to my surprise, the second dispute results also stated : The company that reported the information has certified to Experian that the information is accurate. ( Document 3 ) Being that Experian told me that the information of the aforementioned account was certified to Experian to be accurate, I then chose to contact XXXX, to see who is certifying this information as accurate. I spoke with someone who confirmed what I had been suspecting ; the person who was in charge of both of my disputes, never contacted XXXX to investigate the dispute. I received a statement from XXXX, stating that the account is in fact at a zero balance. ( Document 4 ). 

I then was told by an XXXX representative that after their own investigation, the account was first reported as a charge off, but was then reported as paid off on XX/XX/XXXX. ( Document 5 ) This was sufficient evidence for me to come to the conclusion that the employee/employees at Experian, did not do their due diligence, but in turn, could have effected my purchase of a new home for my family. I wonder how many of consumer disputes has this person/people just certified as being accurate, without actually completing an investigation, which is my federal right according to the Fair Credit Reporting Act ( FCRA ). The credit reporting company, in this instance Experian, MUST take certain steps, in order to investigate a consumers dispute per the FCRA. These steps were obviously not taken in this instance.

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 2020-12-31
Company: EQUIFAX, INC.
State: AZ
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:
In XX/XX/2018, XXXX contacted Equifax to perform a credit check on me. This was an unauthorized check and was fraudulent. My identity was stolen to open a new XXXX account. I reported this issue to BOTH XXXX and Equifax. Neither company did anything to stop the new account to be opened in my name. I then received a collection notice for the fraudulent account. XXXX finally submitted a notice to Equifax informing them that the credit check was fraudulent and should be removed from my account. To date Equifax has failed/refused to remove the XX/XX/2018 credit check. Equifax has failed to do anything to rectify this issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report. 
15 USC 1681 SECTION 602 A. States I have the right to privacy. 

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 spoke with a front line representative and an executive resolution team member from USAA 's auto loan department. I requested documentation stating I am requesting them to look into incorrect credit reporting. I was told from both employees that this was not possible in any way. I sent an email to their executive communication 's department. This email was provided by the executive resolution employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2016-08-12
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
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:
I received a notice via USPS that I owed a debt for a past due electric bill of my daughter 's that I had cosigned for. I had paide the bill a few days earlier. called the company to ensure that they had the information that I had paid the debt as I had paid it a few days earlier. 
Calling the number ( XXXX ) on the correspondence, I got connected to a auto answering device that wanted to give me a survey about vacations. It started asking me questions. After answering a few, it told me I qualified for a free vacation cruise and only had to pay the port fees of {$59.00} ( I think ). I punched 0, zero, a couple of times and hung up. At no time did it give me an option to not take the survey or tell me the company I was trying to contact was closed for the day. ( My call was at XXXX EDT. ) This seems an obvious attempt to trick people into verifying a charge to their credit card or a charge of some other sort. Fraudulent to say the least.

Company response to consumer: Closed with explanation