BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX Balance {$260.00} Inquiry : XXXX Inquiry XXXX XX/XX/2020 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 2019-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 I made I purchase online for an electric car. The website was https : XXXX. The amount of the transaction was {$160.00}. After the transaction, I was supposed to receive a confirmation email with the transaction ID and other information, but the email never arrived, and after three days of waiting, I tried going to that website, only to find out that it no longer was available. 
I created a claim with my bank ( Bank of America ), and I received my funds the next day while they investigated, and after some time, I received a notice that the funds which were given to me were debited from account due to the bank of the seller refused to return the funds. 
I was informed by the fraud department of BOA that in order for me to win my case was to take the seller and his bank to small claims court, except that would be impossible since the seller and his bank is in XXXX, and also unable to be located.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: I.C. System, Inc.
State: IL
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:
I previously disputed this debt with ICS SYSTEMS o n   XXXX   XXXX    2017  via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now  XXXX  which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!

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 2022-08-04
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  account # XXXX ( XXXX ) and account # XXXX ( SYNCB/CARECR ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy. 

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had to call around to find out what it was that pop up on my credit and they said its money owed to them by me. I do not owe this company or their creditor any money. fraud charges were made on my account. I have directly requested from this company physical proof that i owe the amount displayed on my credit file from this negative account. This company could not provide any documents to prove this account or a contract with my signature binding me, them or the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Here is one of my lists ; 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 2017-04-12
Company: Strategic Automotive Servicing, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A negotiated settlement of  XXXX  dollars was accepted to payoff the auto loan and obtain title. A copy of the statement shows that the  XXXX  dollars was applied as a payment and not a payoff and the title was released. This occurred in  XXXX   XXXX  and a credit report pulled in  XXXX   XXXX  shows that a balance is still due. Since the  XXXX  dollars was applied as a payment and not a payoff, the interest clock is still ticking and and the  Servicing Supervisor clai ms that it is a deficiency balance.     Since the same servicing supervisor states in an offer letter that : "  Strategic Automotive Servicing will acc ept  XXXX  dollars as full and final payment and issue release of the title/lien. '' He has effectively has no claim to a deficiency balance.     The letter identifies the company, person who signed letter, name of the purchaser, VIN and auto description, and no mention of deficiency balance to carry over. Evidence of the transaction is also available. Also the title was released as per the letter agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Self Lender Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for a secured loan to help build my credit but they are not reporting my payment. They are taking my money but not showing I 've made my payments.  XXXX  and  XXXX  is still not posted.  XXXX  payment just posted a few weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 purchase using Amex card ending XXXX. XXXX is the merchant name. Purchase amount is {$19.00}. I disputed this through American Express and was told it was a valid purchase and that I signed up for a reacurring service. I never intended to sign up for reacurring service. I only used XXXX XXXXXXXX for a single one time purchase of postage. I feel this charge should be reversed and charged back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AmeriHome Mortgage Company, LLC
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: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : AMERIHOM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The Simons Agency in XXXX XXXX called my phone in XXXX of last year and threatened to fight me after I told him don't call my phone again. Then around XXXX of this year the simons agency called me again and never even asked for my name. She stated I owed her a debt and the amount and who it was owed to without even getting confirmation of who she was speaking too. After i explained what she just did and that I would be making a complaint she then explained do what you have to cause we are suing you in court for everything you owe and getting your case together now. She still did not ask who I was yet. To this day they continue to threaten and harass me and my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was reviewing my credit report on  XXXX  web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith   XXXX   in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of   XXXX  , and the charge was made on   XXXX  , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that  XXXX  did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Transunion to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

XXXX XX/XX/2020 XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX- XXXX XXXX XXXX- XX/XX/2020 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 2019-12-14
Company: EQUIFAX, INC.
State: MI
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:
After pulling all three reports from XXXX  and Equifax online around XXXX, 2019 and discovering that there were accounts I did not recognize and exercising my right under the Fair Credit Reporting Act to have accounts varied which are included in the wrote a letter about accounts that I wanted to be verified and sent it regular pre-paid mail. After pulling my report again to see if there were any changes are that the credit agencies may have placed on my report that the accounts were being disputed I saw no changes. Exercising my right I filed a lawsuit against the companies. Then finding more information I liked investigated such as accounts soft, hard inquiries and all accounts verified with written documentation around XX/XX/2019 sent certified mail this time. Although the accounts were quickly returned around XX/XX/2019 stating verified and putting them on notice of the XXXX letter which they claim they did not get they still did not provide to me the procedures and documentation proving to me that the information was 100 % percent verified. I have made several attempts to the attorneys of Equifax and XXXX  directly and informing them that I request the information. It appears that XXXX  does not feel they have to provide me with the information and also that it appears that both companies don't feel a duty to investigate and verify the companies that pulled my report. I have also been a victim of identity theft through Equifax XXXX  XXXX breach. I also have in court claims of defamation of character bureaus have been denied credit due to the information that should be removed under the Fair Credit Reporting Act for not being completely verified and also noot being timely within 30 days. Although a lawsuit is pending now I don't believe neither company should not withhold performing there duty and remove the information that was not verified completely and timely. I reserve the right to explain any additional claims I may and do have regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of this year, I called Fay Servicing to make arrangements to catch up on payments that we had fell behind on, I didn't get the name of the man I spoke with but I had my phone on speaker and my granddaughter  was with me. I ask if it would be possible for us to pay {$300.00} twice a month for the remainder of the year 2020, that should catch us up completely, I was told that it would be fine for us to do that beginning in XXXX. In feburary we paid two payments of XXXX $ and the first of XXXX a payment of XXXX XXXX The middle of XXXX we received two envelopes with the checks dated XX/XX/XXXX and XX/XX/XXXX, along with form letters, the letters were marked, that because our loan was in preforeclosure or forecloser that they could no accept a payment lower that the full amount. I thought they were returning the payments but when I spoke with the bank they assured me they were cancelled checks and the money was withdrawn for our account, I tried numerous times to call the number given but all I get is a recording stating that they are receiving a large volume of calls and hold times could be long, after about 2 for 3 minutes I get the option of leaving a voicemail or contacting them at their email address for customer support. I have left 2 fo 3 messages and a couple of emails trying to find out where the {$900.00} is I sent. After not being able to contact them I decided to continue to send the payments and sent another {$600.00}. I received a certified letter from a law office stating they were attempting to collect a debt to XXXX for the amount of our loan but it did not mention Fay Servicing so I assumed that is a scam. I then received a statement showing the last money received from us was the payment in XXXX of this year, there is no credit for the {$1500.00} that we have sent since XXXX. I can't get any returned call or returned email from them Im sending you pictures of the letters and returned checks and the last statement received. My husband is ill and I don't know what else to do but ask for help handeling this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please confirm the information shown in thIS collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account is still open. I am no longer indebted to this company or its practices. 


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 2021-06-14
Company: The Stark Collection Agency, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: OK
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:
Yes upon checking my credit report I noticed several inquiries that I didnt recognize! I will list them below as well as the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting Act XXXX accounts, Account name : XXXX XXXX XXXX. 
Account numberXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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. I have notified XXXX, Transunion, & XXXX of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Put unknown inquiries on my report, unauthorized inquiries, tried to resolve it through Transunion but no action has been taken

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