BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/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 2018-05-03
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This supposed debt owed to XXXX in the amount of {$480.00} was reported to credit bureaus about a year ago in XX/XX/XXXX by a collection agency named XXXX. I disputed the verification of this account. The debt account was then removed from my credit report. But, on XX/XX/XXXX, a collection agency by the name of AFNI has reported the exact same claim for this XXXX debt with a balance of {$480.00} to the credit bureau. Not only are they reporting a debt which was previously disputed and removed from my credit report by another company, but they have also placed a renewed date in which the former disputed debt was reported. I would like AFNI, Inc to provide accurate documentation which shows the validity of this said debt owed by me and/or remove this claim from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, UTILITY SELF-REPORTED failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KY
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 am included in the list of potential victims in the recent Equifax leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property tax bill was corrected and decreased due to a   XXXX   XXXX   XXXX     XXXX  rating for my spouse. My taxes are escrowed with my mortgage servicer ( required ). I notifie d Seterus, my mortgage servicer and provided the updated tax bill along with  a written request for an escrow analysis on  XXXX / XXXX / XXXX , which was confirmed received  by Seterus that day. I made several calls over the next month to Seterus and  they had notes but nothing was done. In addition, even though they had the documentation  6  weeks prior and all notes in their system acknowledged the new tax bill, they paid  XXXX  he county the 2nd  installment due ( for  XXXX   XXXX   )  the full amount of the previous bill therefore over {$1300.00} in overpayment which is due back to me. I called them again in early  XXXX  and threatened them with a complaint to the CFPB. At this point, I did receive the updated escrow analysis but they still have not resolved the overpayment. I was told last month that while the payment had been allocated to a batch payment to be se nt to the county, it had not yet disbursed, therefore they were researching having the fund s cut back out of the batch and would refund me. This has been going on for a month and as of today, it 's still being " researched ''. In closing, final complaint : my mortgage is paid every month and has not been assessed a late fee since prior to a modification in  XXXX . Yet, this company has a practice of harassing calls on the  XXXX  of the month if they have not received payment. I would refinance to get away from this servicer, but obviously, any company I refinance with could sell my loan to a servicer and I have no control. In addition, I most likely would not be able to beat my current interest rate so I 'm shackled to this mortgage servicer.

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 2022-08-31
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I moved to Nevada in XX/XX/2022 and acqired a new phone number. Ive been recieving multiple phonecalls from XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-05
Company: Medical-Commercial Audit Inc
State: IL
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:
I have no knowledge of any account being in collections I received a notification from one of the credit reporting agencies that I now have a derogatory mark on my credit due to a collection account from mca management company a company Ive never done business with. Im disputing this debt & the validity of this debt in its entirety and requesting a debt validation letter. THIS IS a direct violation of my rights as a consumer per the fair credit reporting act I have to be properly notified of the said debt prior to placing anything on my credit report which this clearly wasnt done THIS DEBT IS INVALID. remove this account and any trade lines affiliated with it immediately I know my rights as a consumer I will move forward with litigation against your company for and violating the fair credit reporting act for placing this derogatory mark without any debt validation /failure to notify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: TX
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/21 contacted Capital One and provided information re : estate settlement XX/XX/21 resubmitted, no response received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
The stuff that is on there is under not my name, the dates of opened and closed accounts are inaccurate, the amounts are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-08-28
Company: AES/PHEAA
State: HI
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:
This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, FedLoan Servicing Credit is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https :  XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
FedLoan Servicing Credit representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that FedLoan Servicing Credit will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was contacted at my personal number by an individual claiming to be XXXX XXXX, he was claiming to work for XXXX XXXX XXXX. Individual called from XXXX, provided call back number XXXX. Individual had all my personal information. Including names of people in my household, SS number, and name of bank I used to bank with back in XXXX. Individual threaten to file a criminal case with the County for IBC and Defrauding a financial institution. Individual request payment for {$500.00} claiming to be owed to the cash store for a loan opened in XX/XX/XXXX. Individual request payment with a credit, debit, or prepaid card. Informed individual I would call back with information. After the call was disconnected I did some research. I contact the Cash Store for further information. No account was found with my personal information from XX/XX/XXXX. I googled clear source solutions wasnt able to find a company under that name. The only company I found was clear solutions. I contacted them and provided my personal information, no exiting account was found. I called back the individual claiming to be XXXX XXXX and requested individuals employer address he refused to provided the information. He stated, l make the questions and you answer, I will give you the address after you pay, what do you want the address for anyways. I replied, if Im going to liquidate a debt I have the right to have this information, he replied, stop calling me and disconnected call. Individual refused to identify his license number or send a notice in writing of debt he was claiming. When call came in it was a recorded line stating there was a pending summons linked to my personal information and I would be served by the courts, individual claiming to be XXXX XXXX also disclosed he worked for the government, with litigations. Tried to call back individual after he disconnected call, was unsuccessful reaching him again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent a letter with proof from the courts that they do not report to the credit bureaus but they are still saying they are verifying my information. I have provided a letter attached as well as the letter from the courts

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 2022-03-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX MORTGAGE 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 DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX AUTO FINANCE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER 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 XXXXXXXX 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/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 RENT GROW 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 2022-03-05
Company: Experian Information Solutions Inc.
State: NC
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:
I went on all three credit bureau website based upon the information supported by XXXX XXXX and Experian. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: NC
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:
I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXXXXXX XXXX  SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX OH 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