BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
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:
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 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$320.00} CXXXX XXXX  XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$130.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$130.00} TransUnion : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX IXXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00}

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 2015-04-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX XXXX, 2015 I went in line to request a free copy of my credit report. I had not done so for a couple of years. I went to Experian XXXX to request the report. XXXX agencies asked that I provide a credit card number and indicated they would charge me {$1.00} for the credit report. I provided the information and agreed to the {$1.00} charge since it was a small sum ( although they should provide the report free of charge ). The next day I was charged {$49.00} by Experian and received and email indicating that I had signed up for their credit monitoring service. On XXXX XXXX, 2015 I was charged {$17.00} by XXXX. I called XXXX agencies to inquire of the charges and they indicated I had signed up for the credit monitoring service. I DID NOT sign up for such service so I told them to cancel immediately and requested they reverse the charges. They refused to reverse the charges but I am disputing them with my credit card company. I believe these agencies engage in deceptive advertising and their web sites are also highly deceptive. Consumers should be warned not to go to their web sites and if they do, be very careful. This is a real " rip-off '' and I suspect there are many consumers who have experienced what I did when I was merely trying to obtain a free credit report which I am entitled to at least XXXX a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.

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 2016-06-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Caliber Home Loans which went into foreclosure. I made a large down payment and have been making payments every month since XXXX XXXX. Caliber recast the payment arrangement to lower the payments from {$9000.00} to {$7700.00} per month which was approved, and XXXX XXXX, a letter was sent to me stating that as agreed {$9000.00} was to be paid XXXX XXXX, XXXX and every month after that {$7700.00}. The letter clearly states that ALL FORECLOSURE ACTIVITY WILL BE SUSPENDED. However, Caliber did not notify XXXX XXXX XXXX ( the company that does the foreclosures for Caliber ) that there is a payment plan in effect. XXXX ordered a sale date on XXXX XXXX, XXXX and it was tacked on my door on XXXX XXXX. The letter clearly states that all foreclosure activity would be suspended. Going against the agreement, foreclosure activity began before the payment was due. Payment was due Saturday XXXX XXXX, XXXX and sale date was order XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
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 carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

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 explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, 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:
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 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$130.00} EQUIFAX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX  XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: WV
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:
Again, today, XXXX XXXX, 2023, I received the attached credit file report consisting of XXXX pages. The attached .pdf contains the pertinent pages. Please see the name contained on each page ( i.e. 1, 2, 5 and 35 ) of the same XXXX page credit file report. The name does not match! The name of the credit file report is not the same name of the addressee of the mailing of the credit report! 

The addressee of Equifax Information Services mail is INCORRECT and remains wrong. 

I am demanding that mail sent by Equifax Information Services specifically enclosing and containing the personal credit file information and personal identifying information be addressed to same name contained in the credit file report! The system names do not match and the addressee for the mail assuming a mail forwarding is filed with the USPS would not occur correctly since the addressee is the WRONG name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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 XXXX  account # XXXX XX/XX/2022 {$420.00} # XXXX XX/XX/2022 {$200.00} # XXXX XX/XX/2022 {$5300.00} # XXXX XX/XX/2022 {$490.00} # XXXX XX/XX/2022 {$1200.00} # XXXX XX/XX/2022 {$300.00} # XXXX XX/XX/2022 {$5000.00} # XXXX XX/XX/2022 {$1600.00} # XXXX XX/XX/2022 {$170.00} # XXXX XX/XX/2022 {$96.00} has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a 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 explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

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 2017-02-01
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a Speedy Cash Loan and tried to pay them off on XXXX/XXXX/2017. Their Website would not let me pay the loan off so I called them and their office was closed. I called the next day and they are charging me another interest fee on top of the one I already paid. when they should be taking into account that they just took an interest fee out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XX/XX/2021 and in XXXX of 2021, I contacted Synchrony bank via written communication abut a debt being reported on my credit report. I asked Synchrony bank for debt verification and received no response several times. Also disputed via XXXX, XXXX, and XXXX and was told debt was valid with no explanation of how it was validated, and I specifically asked for this to be explained. I don't trust any of these methods of validation when I have documented proof of the same thing happening with 2 separate companies and I was told the debt was valid by the reporting agencies and the supposed debt collector couldn't & removed it. This is defamation of character and having a negative impact on my credit and my financial reputation. I sent multiple letters to Synchrony bank and received no resolution. Filed a complaint with the XXXX XXXX XXXX, this is currently in process.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} FIRST XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}

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 explanation
Consumer complaint received 2022-08-18
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was called by my father today and informed that the collection agency has now contacted my little brother XXXX who is in the XXXX XXXX trying to get a clearance. They were told to stop calling members of my family as it violates state and federal laws. This marks a year long issue with this company.

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 2022-05-26
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report yesterday ( I haven't check my that for a while ) and surprisedly found a {$200.00} collection record from EASTERN ACCOUNT SYSTEM reported in last XXXX. I've never been contacted or notified for this debt at all from neither creditor nor collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Southwest Credit Systems, L.P.
State: MT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with 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 creditor, as willful negligence and non-compliance with federal statutes. SOUTHWEST CREDIT SYS Balance { {$830.00} }

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX. and I am an XXXX american ( XXXX ) male entrepreneur that self started a limited liability company in XXXX New York in XX/XX/2015. After starting the business I opened a business line of credit through the XXXX. branch at First Niagra bank which was recently sold to Key bank. The business line of credit was established for {$20000.00}. I was excited and pleased with this even though my request was for {$50000.00}. As a result, I referred one of my friends who happens to be a non-black. He has about the same credit score and income as me. I know that economically we are almost identical because I helped him to improve and understand his credit. We work at the same job and I showed him how to establish an LLC. He was approved for {$50000.00} as a start up and showed no income whatsoever. On XX/XX/XXXX I met with the branch manager to request an increase on my line of credit. My credit score was XXXX Fico. I had established about {$15000.00} in annual business revenue, {$65000.00} in personal income and my wife makes between $ XXXX annually. I was told that the decision is primarily based on credit score and that the decision would take no longer than two business days. I had not received a response by the following wednesday so I called in for a status update around noon. I was told that the branch manager would follow up with me the same day it did not happen. The following day I called in again and was told the same thing. I even sent an email. By Friday I had not heard anything so I called in just before the bank closed. I was put on hold for an absurd amount of time, almost XXXX hour before being told that I was denied because of my income. I felt like I was treated poorly from a customer service standpoint. I was put on the back burner when I have been a customer of the bank for over a year. In addition to being treated poorly, I also felt that something else was going on. I have an XXXX, I am no fool. How could my non-black friend receive $ XXXX with no business income and the same credentials as me. I feel as though I am the victim of lending discrimination. That is the only reason that I can come up with. We are virtually identical on paper. The only difference is the XXXX of our skin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received an alert from consumer credit monitoring service that a collection account had been placed on my XXXX credit file. Debt had previously been disputed and removed because the Original Creditor and their previous collection company had both violated the bonding requirement prescribed by Texas Finance Code Section 392.101 by attempting to  collect on a debt in Texas without having a Surety Bond on file with the Texas Secretary of State. Original Creditor has again violated the same Texas laws and also specifically by violating Tex. Fin. C. 392.304. Violations of the Texas debt collection act are per se violations of the Texas Deceptive Trade Practices Act. Tex. Fin. C. 392.404. D.T.P.A. damages for violations of the Texas debt collection act are not limited to economic damages but encompass all actual damages, without regard to whether the conduct of the defendant was committed intentionally. Tex. Bus. Com. C. 17.50 ( h ). The Texas act also applies to first-party creditors, that is, entities attempting to collect their own debts. Tex.Fin. C. 392.001 ( 6 ) ; Tex. Fin. C. 392.301, 392.302, 392.303. The Texas act also allows for injunctive relief. Tex. Fin. C. 392.403 ( a ) ( 1 ) ( A person may sue for injunctive relief to prevent or  restrain a violation of this chapter. ) Both creditor and the new collection agency failed to give any notice of the debt prior to placing the item on my consumer credit file. The Original Creditor has lost its right to collect on this debt because they previously violated Texas Consumer Protection laws and are deceptively causing the consumer to lose rights by transferring/selling the debt to another collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief