BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: AR
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:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

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 2022-10-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Aargon Agency, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I using XXXX XXXX XXXX XXXX in XXXX XXXX i I have membership with I formed them that I moving to XXXX and I asked them to change my card on file for cancellation fee and and I didnt if change me or not but 2 years now the report that have paid for something I didnt use .and I tell them that I am no longer living in 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 2022-08-02
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: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XXXX XXXX 60 days on XXXX XXXX, 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-06-21
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am a repeat customer of Lending Club and this is my second loan. I paid off my first loan with no late payments and decided to get a second loan. Unfortunately, I was laid off due to the pandemic and called Lending Club in XX/XX/XXXX to let them know that I needed help with my payments. My payment was lowered to about {$230.00} and I made that payment ; however, I still did not receive my unemployment benefits and could not make another payment until XX/XX/XXXX. I asked if there was a payment assistance plan available to help me get caught up and the answer was no. I made my {$650.00} payment in XXXX and called again in XX/XX/XXXX to see if there was a payment assistance plan available. Again, the answer was no and I've scheduled a payment of the full amount {$650.00} for XX/XX/XXXX. At which point the Associate stated to call back in 5-6 business days after the XXXX payment posted to see if I'm eligible for a payment assistance plan. Meanwhile, my credit score has taken a major hit and Lending Club seems unwilling to help me get back on track. I have a full-time permanent job and my other creditors ( including XXXX  ) have all helped by providing me a payment assistance plan AND have updated my credit bureau as current. Please let me know if you need anything else. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I dispute this debt, knowledge of, and collection thereof wholeheartedly and asked that Sequium Asset Solutions , LLC and/or affiliates stop collection immediately on the said debt and any additional amounts alleged to be owed by XXXX XXXX and to Cease and Desist contact by phone immediately. Any correspondence from this date of XX/XX/2022 is requested and can be accepted by U.S. Certified Mail to the address stated in the letter. I also requested all methods of verification, validation, to be thoroughly done and documented for reference or further inquiry by me, within reason and their legal responsibility in accordance with Fair Debt Collection Practices Act. I have reason to believe this company is unfamiliar with or blatantly ignores FDCPA laws and regulations or practices. I have attached the letter I was sent and highlighted violations including 15USC 1692 b ( 2 ), 15USC 1692 b ( 5 ), 15USC1692C ( A ), 15 USC 1692d ( 2 ) According to 15USC 16811n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I would like monetary relief of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with XXXX, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be USA basedespecially for security. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/22 i sent a letter to equifax for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''.

-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates.

I ever gave written instructions to put this on my consumer report. They sent me back a research request form. I did not ask for this. 

ON XX/XX/22 i sent a letter to XXXX XXXX for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''.

-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They are violating my rights. They said they VERIFIED this account. i would like to know how was this account VERIFIED if the court house said they don't share information. XXXX violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-10-23
Company: Sterling Infosystems Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My background check shows a name of XXXX XXXX being used in XXXX XXXX, TN, XXXX XXXX FL, and XXXX XXXX, FL with my social security number and birthdate attached. I do not know where this last name of XXXX came from but I have never ever used the last name XXXX before ever. I have never been married to anyone with this last name nor have I ever used it. The ONLY last names that should be on ANY report are my maiden name ( XXXX ) and my previous married name and current last name ( 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 2022-10-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint about my escrow account with this company. The first one # XXXX was closed because the company responded, however the company contacted me after I submitted the complaint and told me one thing on the phone and then they submitted a response to the CFPB that was the total opposite of what I was told on the phone. 

This complaint is about my city taxes that were refunded from the City of XXXX, Virginia due to my veterans XXXX tax exemption that was a retroactive refund dating back to XX/XX/XXXX. I have had numerous conversations with XXXX XXXX from PennyMac, and on XX/XX/XXXX she resolved the erroneous tax payment made to the City on XX/XX/XXXX. That payment was credited back to my escrow account. On that day I informed XXXX XXXX that there were four checks coming from the City of XXXX to reflect refunds from XX/XX/XXXX to present. XXXX than informed me that when PennyMac receives the four checks in question that would automatically post to my escrow account and I can call and have those refunds dispersed to me. This has not happened. I went to the City of XXXX and and they informed me that four checks numbered XXXX, XXXX, XXXX, & XXXX were sent to PennyMac on XX/XX/XXXX. In the amounts of {$330.00}, {$1000.00}, {$1000.00} & {$1000.00}. On XX/XX/XXXX there was activity on my escrow account for {$140.00} & {$38.00}. My wife left several voicemails for XXXX but she never responded. When we called customer service they stated that they received several checks and one was applied to the erroneous payment made on XX/XX/XXXX and the other was from the District of Columbia? Again customer service has no idea what they are talking about. 
I want to know where are my refunds? PennyMac received the checks on the XX/XX/XXXX and hasnt properly recorded these to my account. PennyMac is a Mortgage Company and a Debt Collector, there is no way that these mistakes can occur. PennyMac puts these funds in their general account so they can collect interest on other peoples money. This seems to me to be fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation