BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed 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 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
false reporting under 1681 15 U.S. Code 6802 Violations of 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 


I sent a letter to XXXX XXXX  XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX and have not received a response to date but only results of continous violations reported to XXXX Wrong Addresses, invalid names and alleged debts parked on file by XXXX XXXX 
These accounts are deliberately parked on my consumer profile by XXXX and unconscionable depicts actions of unfair, deceptive acts of stealing my identity and continous unlaw practices. XXXX XXXX, XXXX, XXXX and XXXX have flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
I am relying on your office to take actions against XXXX and demand the deletions of all these unknown accounts and alleged debts of all incomplete and erroneous data immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Public record information inaccurate

Complaint:
I XXXX XXXX XXXX am working on my own credit and requesting that you process my request below or I will be reaching out to an attorney. I am keeping record off all communications and non communications. 

I have received a current credit report from your organization. After reviewing the personal records, it is clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. Creditor is U.S. Bankruptcy Court XXXX I am really worried about the consequences of this error since I am in the process of asking for a loan. 

I respectfully request some instrument that bears my signature on this account or the item must be deleted from your report within the next 30 days. 

Please provide the name, address, and telephone number of each credit grantor that you have contacted. 

Under federal law, you have thirty ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your 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 2019-07-15
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I recently files Bankruptcy, and the first month I tried calling to make a payments and has been impossible. The wait time is over an hour. 
They removed access to pay the loan online, and i guess that's normal but for the last week I have been traying to call and due to my schedule at work, I cant stay on the phone for over an hour waiting to pay. On XX/XX/19 I have spent 2 ; 25 minutes on HOLD and transfer back and forth and still not able to make the payment. This is frustrating. They aren't helpful and still today I have been unable to make the payment.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$40000.00}.

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 2022-07-05
Company: NATIONWIDE ACCEPTANCE LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 when the COVID-19 pandemic started I was left without a job. I was XXXX by the time. After three months without working and XXXX, I had to move to my moms house, I was XXXX. I couldnt pay rent, bills and car payment. I stopped making the car payments like around XXXX. I didnt have any money and I couldnt work because I was XXXX and it was very risky for me to work by the time. I started to get phone calls from an agent debt collector. I explained my situation and everything I was going thru. They obviously didnt care and were charging me a ridiculous amount I didnt not had at the time {$14000.00}. They kept calling me every day. They even contacted my mom. I also did not had possession of the car because I took it to a mechanic because it was having problems and I just left it there. Since I didnt have the car they told that they will take the car and I would still have to pay $ XXXX. I just XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to get back on my feet with my daughter and I need to fix this on my credit. 
Thank you

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 2019-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.

1 ) XXXX/XXXX/XXXX XXXX has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) XXXX/XXXX/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions 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 2023-10-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Rauch-Milliken International, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dates to XX/XX/XXXX when we received message from XXXX, with XXXX XXXX XXXX, XXXX that we ow {$350.00} on XXXX XXXX account. I returned call explaining that account was cancelled & if this was final payment on XXXX I was happy to honor the committment. Claimed it was auto renew - I told them to produce an original contract where I agreed to auto renew. Several days later got bill from XXXX XXXX XXXX ( XXXX XXXX, AR ). 

XX/XX/XXXX - wrote certified, return receipt letter ( with certified, return receipt copy to XXXX XXXX ) - recounted phone conversation ; repeated offer to pay {$350.00}, BUT must have assurances that this terminates association. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX XXXX with Rauch-Milliken ( XXXX, LA ) in response to his form demand dated XX/XX/XXXX, recounting situation with XXXX  and XXXX XXXX XXXX, including offer. Stated, " Now that you wish to threaten legal action, you may no longer contact me directly for any reason whatsoever. All contacts with your firm must be through our attorney, XXXX XXXX... '' XX/XX/XXXX - wrote similar letter, certified, return receipt to XXXX XXXX in response to another form letter demand. 

XX/XX/XXXX - wrote similar letter to XXXX XXXX, Rauch-Milliken,  certified, return receipt. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX at Rauch-Milliken referring to my letter of XX/XX/XXXX. Said in this letter, " Consider this a cease and desist letter under the Fair Debt Collection Practices Act. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney General 's Office. Civil and crimimal claims will be pursued. '' Since that time I have received calls on XX/XX/XXXX at XXXX. When not answered, they called right back, demanded that I speak to them and then hug up on me as I was telling them to stop. 

Received additional phone messages on XX/XX/XXXX and XX/XX/XXXX - advising us to retain attorney, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money using the venmo app to have digital art made. I sent the person funds and never received the product I had ordered. I filed a dispute with venmo to attempt to mediate ( like a credit card does ) to work to get refunded or the goods delivered. 
Venmo did neither. I received a response within two hours of chatting with a venmo online chat rep. that read " For resolution, we ( venmo ) recommend that you reach out to the receipt of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Moreover, " If you are unable to contact this person ( which I can not because they have blocked me on social media ) you may consider filing a report with your local law enforcement agency. Law enforcement can send a request for information to venmo. Once we've received this request we will be more than happy to assist the agency with their investigation. '' " I apologize that we are unable to assist further with this matter. '' So basically, venmo is allowing scammers to actively use their platform. Moreover, Venmo is falsely advertising that they offer the same benefits as a credit card for scam protection for the buyer, and/or seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CBK, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I filed my taxes and was expecting a small refund. Instead I XXXX  letter in the mail from the state of Kansas stating that I owed a debt to a collection agency and they submitted it to the state for collection. I have no idea what this debt is for but they are telling me I owe the city of XXXX or a court here money and that is what the debt is. I asked them to send me the debt information and they have not done so after a week. The state is holding my refund and has notified IRS to withhold my refund as well. On the state set off website it states that I have be notified and an attempt at collecting the debt on 3 separate occasions before the collection company can request that a tax refund set off takes place. I have never gotten anything from these people about this debt. This debt collector got my information such as address, social security number, etc from the state when they did the set off request. I have not had an opportunity to 1. Know what the debt is. 2. Dispute the debt if it is or is not valid. 3. Be notified prior to the set off that they were going to seize my money. I have emailed the state set off program and they said it will take 45 days to investigate and until then, I can do nothing about it. I need that refund. I am out of work. Here is the website to the state set off program. XXXX XXXX XXXXXXXX The debt collector is XXXX and their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-22
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Racial Discrimination 12 CFR 1024.41 - Loss mitigation procedures.

Related to its Handling of loss-mitigation applications and its implementation of foreclosure protections, related to its handling of loss-mitigation applications and its implementation of foreclosure protections .... servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : I SENT ALL THE DOCUMENTS REQUESTED BY FAY SERVICING IN THE TIME REQUIRED BY THE LAW attached file DELIVERY RECEIPT BY POST OFFICE indicating the day of delivery of the package. 
THE MANAGER OF THE ACCOUNT IN AN AGGRESSIVE WAY HE DID NOT WANT RECEIVE THE PACKAGE ACCORDING TO HIM THE INFORMATION GIVEN DID NOT HAVE THE 37 DAYS, THIS IS FALSE BECAUSE I SENDED CERTIFICATE AND THERE IS THE DAY THAT WAS DELIVERED BY THE POST OFFICE. MORE THAN 45 DAYS I HAVE THE TELEPHONE RECORDING OF HOW THIS CHARACTER TREATED ME FOR A LONG TIME AND DELIVERED ALL THE DOCUMENTS BUT FAY SERVING NEVER GAVE ME A SOLUTION. 

Here I List the RESPA Violations Committed Against Me Violation of 12 C.F.R. 1024.41 ( f ) ( 2 ) Y ( g ) 12 C.F.R. 1024.38 ( a ) and ( b ) ( 1 ) ( v ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( iv ) 12 C.F.R. 1024.41 ( c ) ( 1 ) 12 C.F.R. 1024.41 violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( v ) Under Sections 1053 and 1055 CFPA, 12 U.S.C. 5563, 5565, 12 C.F.R.1024.41 ( b ) ( 2 ) ( ii ).

12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) 12 C.F.R. 1024.31 12 C.F.R. 1024.38 ( b ) 12 C.F.R. 1024.38 ( b ) ( 1 ) ( v ).

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ).

12 C.F.R. 1024.38 ( a ). 14 12 12 C.F.R. 1024.38 ( b ) ( 2 ) ( iv ) 12 C.F.R 1024.38 ( a ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). 52.

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ).

12 C.F.R. 1024.41 ( f ) ( 2 ) o ( g ) Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan back in XX/XX/2023 and have been promising to remove balance of my credit and show loan as paid off

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 2023-10-24
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit 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:
It was brought to my attention the charges from XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) have been charged back to my account after your internal investigation. I have provided evidence that I was in fact home those two days and was NOT in XXXX, Georgia. Evidence includes XXXX XXXX camera still shots ( of me and my wife ), dated and timestamped, my stay history with XXXX and XXXX, text messages from XXXX who was onsite purchasing a vehicle from my family, and emails showing I was working with a contractor in my town regarding fieldwork. 

Finally, I personally called both hotels who verified the card was NOT physically used at the locations. 


Charges include the following : XX/XX/2023 {$190.00} @ XXXX XXXX  XXXX GA XX/XX/2023 {$190.00} @ XXXX XXXX  XXXX GA XX/XX/2023 {$320.00} @ XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/2023 {$220.00} @ XXXX XXXX XXXX XXXX XXXX XXXX GA

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