BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
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 2022-11-01
Company: EQUIFAX, INC.
State: NY
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:
Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to XXXX and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how XXXX XXXX has played a part in this situation and they havent updated. The accounts that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: FL
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  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-02-05
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:
XXXX XX/XX/XXXX to XX/XX/XXXX I was hospitalized 8 times and had XXXX surgeries, I ask that the delay in responding to the complaint be forgiven. XX/XX/XXXX i submitted a complaint against Experian and XXXX i had originally disputed inaccurate, unverifiable and unfair information reported on my public record as per FCRA section 611 ( a ) ( 1 ) ( A ). XXXX XXXX sent a letter indicating my public record file could not be verified therefore it was deleted from their data system. I submited a dispute with the credit agencies for removal of the unverifiable information. XXXX deleted the information as requested. It still remains on my report with experian and XXXX. They claimed to have verified the information on my report as accurate? I contacted the XXXX Bankruptcy Court,. I asked them about their reporting of information to the credit agencies. THEY DONT REPORT TO CREDIT AGENCIES!!!! THEY WONT. Experian never contacted the XXXX Bankruptcy court to verify my information as accurate? a XXXX party verifier or " public records vendor '' buys automated information, its obtained through computer systems like E-Oscar and PACE. Computers make mistakes. For Experian to claimed my account is verified as accurate is False and a violation of the FCRA. they did not verify through the courts. XXXX XXXX right on their website they used 3rd party database XXXX XXXX to obtain public record data and verify public record information. On my XXXX credit report under all the information there is a spot to say when the records were verified? Its blank? I will attach screen shot if allowed. In the letter dated XX/XX/XXXX from XXXX XXXX they deleted my public records file from their system this should include anything said to be verified or unverified. If XX/XX/XXXX my file was deleted, how can it be verified as accurate XX/XX/XXXX? Any false verification, inaccurate, unverifiable or unfair item as per FCRA section 611 ( a ) ( 1 ) ( A ), i am requesting be deleted off my public record portion of my credit report. Any methods of verification that are obtained through computer systems or computer generated database such as E-Oscar or PACE is unacceptable, inaccurate, incomplete, and represents a very serious error in their reporting. I will request it be deleted from my credit 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 2023-02-05
Company: EQUIFAX, INC.
State: MO
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:
unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
paid this account off in full {$130.00} as is was stated on my credit report from my checking account XX/XX/2018, never receive a confirmation from them by u.s. mail or e-mail. so I called maybe a month later talk to a lady named Ms XXXX but said she could not help me so she try to put me in touch with XXXX XXXX which took a few days before I could talk to her, and when I did talk to her she said that she would have to talk to her manager about my account because is was showing {$130.00} and I only paid {$130.00} but as I told her I paid what was showing on my credit report which was {$130.00} if it would had said {$130.00} I would had paid that so this company XXXX XXXX XXXX XXXX  XXXX Georgia, so nothing was done with her so I called her back a couple of times and it went to voice mail saying that it was full. so I called back the next day and they put me in touch with a Mr XXXX XXXX and he say that he would see about it and at this time nothing has been done but they have my money I am very upset about this they have reported it to one Credit Bureau XXXX, and when I called back nothing still has not been done with the other two Credit Bureau XXXX  or XXXX so I need some help please in getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently wrote to Experian via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per USPS tracking. I have included proof of this. Afterwards, I did not receive any indication from Experian that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I feel it is unfair that they did not respond to my request for dispute. That alone is grounds for removal! However, I do not believe a proper investigation took place for the following items : 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. I have spent time comparing my Experian report, to my XXXX and XXXX reports, and there are MANY discrepancies. Why is there so much inconsistent data for these items? Isn't it Experian 's duty to ensure that my credit report is 100 % accurate and truthful? All this means to me is that Experian has been allowing these companies to furnish incorrect information this entire time, which deserves the deletion of the disputed items. Furthermore, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal, nonpublic information, such as my social security number to be able to furnish the information that they are reporting. Due to the inconsistent information, and my inability to recognize these companies, I reached out to them requesting information. I requested for them to send me any original contracts that they may have on file baring my unique signature. Because I did not consent to opting into reporting, I also requested any disclosure forms that these companies may have on file baring my unique signature, -which by federal law, are to be " clear and conspicuous ''. I had this right taken from me because no one gave me a choice. To this day, I have never witnessed any physical documentation baring my unique signature from any of the companies above. I just want to make sure everyone is following the law and that you, the CFPB, the supervising body of the Credit Reporting Agencies, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters included. I do not consent to E-Oscar.

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 2022-11-01
Company: FREEDOM FINANCIAL NETWORK
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I made a contract that says in 48 month paying {$210.00} Fredom debt relieve could make deals with 3 creditors. Total amount of debt is {$12000.00}. They made deals with 2 of 3 creditors, i finish my 48 month term and now they asking for {$5000.00} more to make deal with the third creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
End of XX/XX/XXXX Consumer Portfolio Services who are registered in Nevada, but operate out of California extended me an auto loan through a car dealership in Florida. I signed loan paperwork on XX/XX/XXXX and drove off with my vehicle thinking I had secured basic transportation for my family and I. 

A few days after I sign paperwork that says I have a car loan the dealership calls and says the bank wants more information. They need canceled check from my direct deposit. I send them what I was forwarded by the accounting department of the company. Another week or so passes by and the dealership calls and says the bank still isn't satisfied, they want bank statements. 
I sent those and a week or so later the dealership calls and says the bank isn't going to finance the loan at all because I took to long and they think I'm a fraud, which is very ironic. 

So many violations have been made throughout this buying process. I will point out the Trustee from Consumer Portfolio Services signed off on a report just two months ago saying they would not break laws. I have paperwork that says I have a loan and them backing out is fraudulent. Requesting all the extra personal information after signing paperwork is a violation of the Privacy Act of 1974. 16CFR 433.2 states preservation of Consumer claims. 17CFR424 states that they will not commit language fraud. They are also operating out of a state other than the one they incorporated in. 16CFR 444.1 states that my signature is the security for my car loan. There should not be any reason for them to take me through so much when I am already going through it in life. 

I lost love ones to XXXX XXXX during this whole process and have been stressed to the max with the shady tactics of Consumer Portfolio. Services. This has caused mental stress and anguish. I do not want another Consumer to go through this during the buying process.

Purchasing a car should be a simple process, but these fraudulent law breaking techniques make it a nightmare for so many including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: IN
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. 

Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: WV
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On Equifax ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Company has wrong address on file I asked them to remove it they said its accurate it is not

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 2022-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : 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 explanation
Consumer complaint received 2022-11-13
Company: CCS Financial Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've tried calling to figure out why I owe this debt and attempted to get more detail on to why I've been told I owe this money. I've sent certified mail to Credit Collection Services and haven't received or heard anything back from them since I've sent a debt verification letter over a month ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : 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 2023-02-14
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make daily principal payments on my mortgage. On Monday - Thursday I pay {$22.00} and Friday I pay {$66.00}. Per Federal Law principal payments must be applied with an effective date of the date received so that they are not illegally collecting interest on money that has not been earned. What Freedom Mortgage is doing is placing the daily payments into a non-interest-bearing suspense account and then applying the payments received at the end of the month. The entire point of paying extra principal on a daily basis is to avoid the " per diem '' interest costs. Every other bank has chosen to follow the law and apply for principal payments as directed per law. Freedom Mortgage is flat refusing to do so because they said that they will only apply extra principal payments to the balance due as of the date received only when made manually by their website. When any payments come in via XXXX, XXXX, or wire transfer they deliberately chose to apply the payments to the principal balance only monthly contrary to Federal law and regulation. They label the aggregated daily payments applied to my account monthly payments as " curtailment '' which is clearly fraudulent. They have been doing this since the mortgage was transferred to them for servicing.

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