BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: Delbert Services
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I would like to be included in the CFPB 's case against Western Sky and Delbert Services Crop. I had taken out an online loan initially with Western Sky and then it changed to Delbert Services. I live in Arkansas and see that there are laws that restrict the interest rate at a certain percent. I am referring to this case :1UNITED STATES DISTRICT COURTDISTRICT OF MASSACHUSETTSConsumer Financial Protection Bureau , Plaintiff, v. No. XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DelbertServices Corporation , and XXXX XXXX XXXX , Defendants. 
FIRST AMENDED COMPLAINTIntroduction The Consumer Financial Protection Bureau brings this action againstDefendants XXXX, XXXX, XXXX XXXX, XXXX, Delbert Services Corporation, and XXXX 
XXXX XXXX under the Consumer Financial Protection Act of 2010 ( CFPA ) ,12 U.S.C. 5531 ( a ), 5536 ( a ), 5564 ( a ). Defendants purchased, serviced, and collectedconsumer-installment loans that state lawsrendered void or limited the consumer'sobligation to repay. As a result, Defendants took money from consumers that thoseconsumers did not owe and typically could ill-afford to lose. 
Case XXXX XXXX XXXX XXXX XXXX feel that i was taken advantage of and overpaid on a loan that was supposed to be {$1500.00}. I only received {$1000.00} ( after a {$500.00} fee ) and had to pay them {$190.00} a month for two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have unauthorized inquiries on my Transunion Credit Report. The unauthorized inquiries are from XXXX Delaware, Certified Credit reporting, XXXX, XXXX, XXXX, XXXX and 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 2015-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Clarity Services
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ordered a copy of my Clarity report. I do not know who this company is but I 'm denied for loans etc due to their reporting. I ordered my file from Clarity and i have noticed many items that are being reported incorrectly on my file. 

I 'm being reported as having XXXX accounts ( XXXX & XXXX ) I do not know who these companies are and have never had accounts with them. I have never signed any agreements with these companies dated in XX/XX/XXXX and XX/XX/XXXX. Its XXXX other accounts reported that have no names next to them. How can a company report an account with no name? These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this debt through TransUnion twice now, and each time TransUnion does not thoroughly investigate the debt nor does TransUnion actually review the documents I upload to them as part of their online dispute process. The account in question is from XXXX XXXX XXXX XXXX for {$2700.00}. The item was placed on my TransUnion credit file in XX/XX/2022. I have attempted to call TransUnion several times to resolve this, to provide them documentation to support my assertion that XXXX XXXX has agreed to delete this collection account from my credit file, but each time I speak to a representative outside the United States whose XXXX is poor and incomprehensible. On XXXX XXXX, I spoke to someone named XXXX in TransUnion 's dispute department, who told me that there is nothing he or TransUnion could do to assist in resolving my dispute. Each time I have sent in documentation, TransUnion does nothing more than send it to the creditor, who then verifies it, and the account inaccurately remains reported on my TransUnion credit file. TransUnion doesn't actually conduct any sort of investigation -- this is a blatant lie, and TransUnion is misrepresenting their dispute process. XXXX was asked to transfer me to the appropriate representative. Instead, he slapped me on hold, and I've been sitting on hold, with no resolution, for more than XXXX minutes. I was finally able to speak to XXXX, who told me to upload the documentation to TransUnion 's website. I let XXXX know that their website did not allow me to upload anything while a dispute is in progress. XXXX had no other options except to send any documentation by postal mail. When I expressed to her that I couldn't and that postal mail was unacceptable given the technology in 2022, XXXX hung up on me. TransUnion has knowingly and intentionally denied me my rights under the Fair Credit Reporting Act, and they are knowingly and intentionally acting in a deceptive and abusive manner toward me. I am attaching a satisfied in full letter from XXXX XXXX XXXX XXXX, which shows that the account is paid in full and that I am no longer legally liable for this account. XXXX XXXX has agreed to delete the account from all my credit files, including TransUnion.

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I requested validation from collection agency reporting account and never received any. Sent paperwork to bureau, including certified receipt showing I sent request and bureau claims they verified account. Requested means of verification method from bureau and also received no response besides " account has been verified ''.

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 2016-11-19
Company: Account Discovery Systems, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The XXXX reporting agencies ( Trans Union LLC, XXXX, and XXXX ) are reporting fraudulent information in the public on my credit report and others, based on biases, even going as far as attaching my daughter 's credit profile on my credit report, when it is clear that we have very different Social Security Numbers and names. This is evidence of how unregulated credit reporting agencies are, and how the Enforcement Agencies are not doing their jobs. This is a sign of desperation on the part of the credit reporting agencies to make money and attack the American Consumer. CFPB has lack doing their job of Protecting the Consumer. We as the Consumer has no contract with the reporting agencies. The Reporting agencies has created bias toward XXXX groups of people. Which the major groups of people are XXXX and XXXX. These XXXX groups of people are targets by credit-reporting agencies, the agencies continue reporting fraudulent information ; ignore the Federal laws, and not properly verifying the information on the consumer credit reports. They are not showing the consumer the verified information of their process as evident of their verification. Then the credit reporting agencies lower the credit scores after the negative, collections, and wrongful information is dispute and removed. The reporting agencies continue to report the unverified information without evidence to prove the account are correct. Trans Union LLC, XXXX, XXXX has not sent the original contracts to me the consumer as evidence of their report by which the law requires. Compared to other groups of people, the XXXX XXXX 's and the XXXX 's scores remain very low despite the information on both groups ' credit reports being the same. I am reporting this information to CFPB first as an enforcement agencies as requires by law. My next step is to have both CFPB and the XXXX credit reporting agencies investigated for violation of the law, and violation of not enforcing the law ...

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 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern : I, XXXX XXXX, writing this letter in regards of collection account which I just found out from me credit bureau and it was created on my name for the purchase I never made. 
The details of this collection says that I owe {$3300.00} to a creditor - XXXX. I want to dispute this just because I live in America since 1996 and have never in my life purchased a phone or signed up for a contract to XXXX XXXX. The person who has is not me and is a fraud of myself. I would like to request a full investigation on who impersonated me. As soon as any information is found, please contact me and remove me off the collection list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the disposition of the date closed on XXXX accounts and XXXX public record on my Transunion Credit Report. XXXX accounts were with XXXX XXXX XXXX XXXX, and show the date " closed '' as XXXX/XXXX/XXXX, but they were closed on XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX was the date of discharge. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me os such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown " closed '' over 1.5 years later. Similarly on the public bankruptcy record, Transunion shows the date " paid '' as XXXX/XXXX/XXXX, but this inaccurate in this was the date of discharge, the date of " paid '' or " closed '' is XXXX/XXXX/XXXX. I owed no monies due to the discharge, so this should not be characterized as " paid ''. Transunion has claimed these items to be " verified '', but they are inaccurate.

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 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The issue is with TransUnion. On XXXX/XXXX/2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana, XXXX did make an inquiry on my credit without my permission. I had only inquired with the dealership about a vehicle they was advertising on the internet, of which they no longer had in stock. I did not give them permission to make a credit inquiry on my behalf with the credit bureau TransUnion, XXXX, or XXXX. I have filed a dispute with XXXX. TransUnion refuses to help me at all. Plus TransUnion does not provide a 'English ' speaking person for me to be able to communicate with. Please help resolve this bogus credit reporting issue with TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do 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 2016-04-07
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On Loan me 's website it states get rates as low as 9.9 % APR 11.36 % but when I applied for a loan, I got the automatic deposit and my APR is 137 %!! I have made XXXX monthly payments and my loan amount has increased. I tried talking to a loan me specialist and they act like they are too busy to take my call. I walked into their XXXX location and the women I spoke with said she only works part time and can not help me. I have a photo of their online advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. 

I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. 

Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2016-03-23
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian mislead me to believe that for {$1.00} I would receive a copy of my credit report. They failed to reasonably advise me that a 7 day trial membership would begin and that I would be charged {$21.00} at the end of the trial. Imagine my surprise when they debited my checking account. 
I am prudent when shopping and take time to fully understand what I 'm getting when I make a purchase. Experian was misleading and refuses to credit my account for {$21.00}. They are dishonest and should be required to adequately communicate all agreements prior to purchase.

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 monetary relief
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a {$3000.00} education loan with the VA. I made an agreement with them to pay back the loan in installments of {$85.00} a month starting in XXXX of XXXX. As you can see from the itemization attached, I made my XXXX payment ... my XXXX payment ... my XXXX payment ( EARLY ) and in XXXX they did an automatic withdrawal from my pay that I did not authorize. 

They continued to take this money even thought the agreement was for the {$85.00} a month. Even though they were collecting twice what we agreed upon monthly, and without ANY MISSED DEDUCTIONS, they began reporting this item as delinquent in XXXX of XXXX ( See VA historical delinquency attached ). 

1 ) The VA is in violation of section XXXX I never received a notice of delinquency or any notice that they were sending my information to the credit bureaus. 

2 ). They are in violation XXXX in that, when I disputed this item with them in XXXX, they were required to follow the same provisions of sec. XXXX with regard to disputed accuracy. I did not receive any update in 30 days and they did NOT remove the item since they were in violation of the repayment agreement and should not have reported it. 

I relayed these violations of non-compliance with federal law to XXXX and Experian. XXXX properly deleted the item. XXXX XXXX and Experian have left it in violation of FCRA section 611 ( a ) ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation