BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXXXXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX  AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO 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 2022-10-18
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:
XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got my checking and debt card blocked due circumstances beyond my own doing. Truist bank accused me of fraudulent because my account was overdrawn by XXXX dollars, and the check from insurance company, was not honored by XXXX XXXX stop payment on the check. All the information was presented to me by the bank itself. Now, I can not fuction normally my daily life. I am seeking legal action against as well.

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 2023-04-25
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called them at number : ( XXXX ) XXXX on Tuesday XX/XX/XXXX to discuss the matter and I left a voice mail, but no one called me back. 
This is regarding Account number ( XXXX ) for XXXX XXXX XXXX that was purchased from the dealer and the account was closed ... I can't see or access the account on XXXX webpage any more, and for account ( XXXX ) XXXX XXXX that was replaced with another vehicle of XXXX  XXXX and the account was closed and not showing on the website any more. 
If I still owe anything on those vehicles, the dealer should have notified me before I do any deal with them because they closed both account and I was not aware of any left balance because to my knowledge I paid everything online and with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. 
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
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 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Ascendium Education Group
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been an XXXX XXXX  member for 13 years plus and when I applied for a student loan with the Dept of Education in 2008 I was approved for the XXXX this loan was given to me via Ascendium and the US Dept Of Ed. I have had the loan in forbearance several times with intention of using my education awards to pay this loan in time, I recently was informed that tis loan was in default and I owed a sum of {$9500.00} for a loan of only {$3700.00}!!! I as an XXXX XXXX XXXX XXXX member find this excessive interest rates XXXX and unacceptable at the time of the loan I had no understanding of the 6.8 percent interest on this student loan coming form the department of education!!! I have never heard of such a rip off of the student loan process!!! I need help reducing or canceling this loan as I have made several attempts via myamericorps.gov portal to pay this loan with no success and it continues to increase my interest apart from the covid-19 protocols someone needs to raise this issue to congress as XXXX students like myself have been placed in this situation base on my race credit and lack their of this is a violation of my civil rights to equal treatment and I want to raise this issue as high as it high as it can go to expos this travesty in the XXXX community!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I am writing this complaint against the XXXX XXXX XXXX XXXX and I Q Data International Inc., referring to a debt charged to me, including a debt collection in my name. 
I point out the facts below : 1. I had an apartment rental contract with the XXXX XXXX XXXX XXXX beginning on XX/XX/2022 and ending on XX/XX/2022, i.e. a sixty days ( 2 months ) lease term, as per the attachment XXXX XXXX XXXX XXXX, which I filled and pay in full until the ending date. 
2. Furthmore, I gave to the XXXX XXXX XXXX XXXX a written Non-Renew Lease notice XXXX XXXX ( XXXX ) days in advance, as per the attachment Non-Renewal Advanced Notice.pdf. 
3. After I left the apartment, I started to receive some phone calls from the XXXX XXXX XXXX XXXX and I Q International Data as well as e-mails and a letter charging me a debt, which I do not recognize. Please refer to the attachment Letter from XXXX. 
4. I answered them that a sixty days notice in advance for a non-renewal communication is impracticable, Not Possible, Impossible, because the contract is a XXXX days lease. 
Reading the contract, these 60 days notice in advance would be considered as an early termination, which also makes no sense. 
I also stated to them the guidance depicted in XXXX  XXXX XXXX, which points that a XXXX days notice in advance would be enough. 
Please refer to the attachments Letter to Gardens Page XXXX ; Letter to Gardens Page XXXX ; Letter to Gardens Proof of Delivery.pdf and Georgia XXXX handobook.pdf. 
5. They never listened to me, and further put my name in collection, which is jeopardizing a lot my financial life. 

I kindly ask the CFPB to contact the XXXX XXXX XXXX XXXX as well as I Q Data International an appropriate behavior and actions, as well as to remove my name immediately from the collection status. 

Many thanks in advance, With Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Informative Research
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone applied for mortgages in my name during the dates of XX/XX/XXXX, XXXX. totaling 10 times. I contacted the companies regarding this ongoing issue and i was told that they verified my signature through XXXX. This was not investigated nor validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/2023 at XXXX XXXX  XXXX  I received a voicemail from a XXXX XXXX ( sp? ).

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 2023-05-31
Company: EQUIFAX, INC.
State: SC
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

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 2022-10-18
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: ERC
State: LA
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:
Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : ENHANCED RECOVERY CO L # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the XXXX-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I uploaded an escrow analysis to Freedom Mortgage as requested to show that we are owed XXXX overage from our escrow account. They sent us a check for XXXX and refuse to tell us where the extra XXXX dollars is. I called them again today and they stated that they dont have the money and that they didnt receive the uploaded Document even though I can see it was sent to them through their online account as requested. It has been a runaround between them and XXXX XXXX since XX/XX/XXXX. It is so concerning that to see companies keep money that they are not allowed to keep. Its so frustrating as a consumer that I can not get anyone to help and I keep Being asked to do the work to get Our money. 
Thank you for you time.

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 2023-09-25
Company: Advantage Credit, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone applied for mortgages in my name during the dates of XX/XX/XXXX, XXXX. totaling 10 times. I contacted the companies regarding this ongoing issue and i was told that they verified my signature through XXXX. This was not investigated nor validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602A States I have the rights 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