BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I logged into my XXXX XXXX account and have come to find a collection that is hurting my score! 
This is account is inaccurate and needs to be removed from my credit ( All 3 credit bureau 's ) immediately. 
I've been contacted and whomever spoke to me in regards to this was very rude and demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable. Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : 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 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 2022-12-29
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX of XXXX, I applied for the Florida state Homeowner Assistsnce Fund ( HAF ) to help me be able to make my mortgage payments. I called my mortgage lender in XX/XX/2022 to request a Covid forebearance and they applied the forebearance to my account. HAF approved to pay my mortgage for the next 18 months starting in XX/XX/2022. HAF has sent checks directly to the morgage lender American Financial Network and their subsidiary XXXX. Checks were mailed to the address on my mortgage statement which is the one I make payments to usually. American Financial Network or AFN and XXXX have not been able to locate or apply thise checks to my account. They accept HAF payments but are not taking the necessary urgent steps to ensure that my checks are located and posted. Since XX/XX/2022 until now I have made so many phone calls and spent at least 20 hours on the phone and I got absolutely no resolution. I was told every excuse as to why the checks have not been posted. Things such as that they are backed up, or that I havent sent the document to the right email even though I sent to all the emails that they told me to send to. They tried to blame me and say that I did not send the email showing the letter from HAF when I have proof I have been sending the same letter since XXXX and they finally acknowledged and posted the letter in late XXXX. There is no sense of urgency and I dont know what else to do anymore. I called yesterday and was told that HAF needs to contact them directly. I called HAF multiple times and they told me over and over that there is never a need for them to contact the lender because all necessary documentation have been provided to me and I uploaded thise documents to XXXX  or AFN. HAF told me they have never experienced such issues with any other mortgage lender and they can not understand why AFN or XXXX are refusing to post and locate those checks. I looked ar XXXX  consumer reviews and they were frightening. I read a lot of the same issues and complaints that I am dealing with. That is why I am reaching out to you to please help ensure that they do what is right. It is beyond frustrating knowing that my approved funds have been sitting there untouched when they should be applied to my account. This is my life and home in the balance and they told me this was not an urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your assistance in this matter, 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 2017-05-12
Company: SYNCHRONY FINANCIAL
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
On  XXXX ,  XXXX , I received a claim demand from Register of Wills for {$1900.00} from   XXXX   XXXX   XXXX   XXXX  . The alleged debt of {$1900.00} was a  JC Penney MasterCard a ccount owed to Synchrony bank. I contacted a representative (  XXXX   XXXX  ) of   XXXX   XXXX   XXXX   XXXX   who stated she could not dis cuss the JC Penney MasterCard  of  XXXX   XXXX   XXXX   XXXX  with me because  XXXX   XXXX  was the executor of her estate. I explained to the representative that I was co-administrator of  XXXX   XXXX   XXXX   XXXX  's estate. The representative refused to discuss t he JC Penney MasterCard  account with me until she received permission from the executor.  XXXX   XXXX  told the representative no, until I told the representative to tell  XXXX   XXXX  I had just received a claim demand from Register of Wills with listed as co-administrator.     I rejected the claim of  XXXX  from  XXXX   XXXX   XXXX   XXXX  because  XXXX   XXXX   XXXX   XXXX  had suffered from  XXXX  for several years, and survived Multiple   XXXX   for 18 years. My mother 's death certificate stated her primary cause of death was   XXXX   XXXX   and   XXXX   XXXX  . Her primary caretakers (  XXXX   XXXX  and  XXXX   XXXX  neglected her basis medical care until she changed her will.     I requested the  Synchrony Bank-JC Penney MasterCard  provide me with the original signed cardholder agreement and all credit receipts since the account was opened in  XXXX , when my mother was  XXXX   XXXX   XXXX  and di not qualify for credit life insurance.      XXXX   XXXX   XXXX  several unauthorized cash transactions of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX ,  XXXX   XXXX .  XXXX   XXXX  or  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  or  XXXX   XXXX  signed any or all credit receipts using  XXXX   XXXX   XXXX   XXXX  's name, then their acti ons constitute credit card fraud and identity theft which is illegal under Federal and State bankin g laws.

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 2023-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is a debt collector trying to collect some kind of debt. All three of my credit reports show XXXX collection activity. I have never had collections and I have excellent top tier credit scores. I do not know why someone is bothering me like this. I want it to stop asap please. Every morning this company calls disguising there numbers every time with a different phone number. I have a right to not be harrassed. I want proof something I signed with my social security number showing I owe something! That is fair and legitimate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Starting around   XXXX   XXXX   I 've been attempting to pull my annual report from Experian via  XX/XX/XXXX      Since then, I have been unable to pull my report. Every time, I get an unspecific error message about " a condition exists ... '' that prevents them from giving me an online report. The fact that this error has persisted for nearly a month is unacceptable and needs to be fixed.     Please work with Experian to fix this " condition. ''

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 2023-10-11
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA has been absolutely disgraceful in handling the resumption of student loan payments. My ( and my wife 's ) monthly loan repayment was calculated incorrectly after I was switched to the SAVE plan. I spent hours on hold and talking to representatives trying to get this corrected. It took escalating to a supervisor ( and many more hours on hold ) to get this problem addressed on XX/XX/23. I was told it would take XXXX business days for this to be fixed, 7 days at most. It is now XX/XX/23 and both my and my wife 's monthly payment has not been recalculated. Furthermore, 4 out of my 8 loans were put on an administrative forbearance while this is being figured out, but the other 4 inexplicably were not and my account is listing an ( incorrect ) payment that is due XX/XX/23. I have been patient waiting for MOHELA to figure this out, however after waiting for an hour on hold today ( XX/XX/23 ), I was redirected to a survey of " how are we doing '' and then was hung up on. Best believe I left an incredulous answer to this survey. This has been extremely frustrating to deal with a company that has had three years to prepare for payments restarting, yet somehow is acting as if they were told last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i made a claim from XXXX. i behalf of XXXX dollars, wells Fargo denied my claims with no explanation until i called to check the status of it, they gave me a final credit, and then tok it away from me saying that i called to close the case, i asked for more info and i receive a lame excuse saying that there's nothing they could do and just to contact the 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 2023-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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 in the mortgage industry and the credit bureaus are soliciting clients after their credit is pulled. Selling their information to other lenders without the permission of the client. There is no way to opt out of this process. This has to stop!!

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.

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 2017-05-12
Company: Allied Collection Services, Inc. (Nevada)
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 status incorrect

Complaint:
Allied C ollection Servic Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  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 2023-02-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Account XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: IN
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. ( XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
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: Public record information inaccurate

Complaint:
The company is Equifax. I have a chapter  XXXX  on my report from   XXXX   I have done a lot of research and for a   XXXX   XXXX   it should have been dropped in 7 years. I have gone to Equifax several times to take this off my record, but Equifax will not. This has been taken off the other  XXXX  main credit companies. I would like for your company to have this removed from my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Block, Inc.
State: GA
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:
I made 2 purchases with my cashapp card on XX/XX/2023 from XXXX XXXX. It is now XX/XX/XXXX and I'm yet to receive my items. I usually receive my items from XXXX XXXX XXXX in about 5 to 8 days. I began to dispute my transaction around XX/XX/XXXX or so with cashapp. I've provided them with the same documents that I'm providing you with. I have called several times requesting a supervisor .... they always have an excuse as to supervisor availability. I have filed at least 8 disputes since the 15th. All have been denied. At the end of the day. I still haven't received my items. Thank you

Company response to consumer: Closed with explanation