BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help

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 2020-08-20
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$140.00}

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 2023-03-14
Company: Movement Mortgage LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed XXXX XXXXXXXX Bankruptcy in XXXX and apart of that agreement was to pay Student Loans, Car Loan, Trustee, and Mortgage. I have been on time and paid up through time of submitting this. I have reached out to the attorneys who represented the servicer and company Movement Mortgage. No notice has been sent about paying attorney fees prior to this statement. The current statement shows XXXX in attorney fees when I am not foreclosing or doing anything wrong. I understand that I had to be " punished '' for the BK by them removing online access and no longer reporting to my credit, but these fees where never explained to me or negotiated. I am awaiting response from you or them. Being a loan officer myself I know that not warning clients about fees is illegal and Movements attorney costs shouldn't be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been fighting this collection of {$980.00} for over a year. I have previously submitted complaints against this collection agency for not following CFPB law ( not disclosing options or rights ). I have now found information that proves they can not legally collect the debt in the state of FL, as the original creditors did not follow the law when trying to collect the debt in the first place. In the state of FL, they only have 30 days to send the collection amount. They did not attempt to collect within 30 days, so I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was reviewing my credit scores when I noticed there was a note on my Care Credit account, so I logged in only to find it had been closed less than 2 weeks ago. There is no balance on the card, I have had it several years, and made all my payments on time with no late fees. I tried to call the company to no avail. They lied to me on the phone twice, once stating that they sent out mail and email notifications that the account was going to be closed, but later backpeddalied and said the account was closed BEFORE they sent out these notifications, which I never received. Then, the first representative I spoke to actually told me that these " periodic automatic account reviews '' can be opted out of. When I asked how I would opt out, she said I'd have to review the terms and conditions. When I asked the supervisor I spoke to next, she said that information was false. Of course she also had to mention that they are not legally required to notify you of an account closure. I recommended they enact some better practices, such as requiring consumers acknowledge these notifications, either by certified mail, or some other electronic method, so that this does not happen, but again they are not required by law to notify you, so they care to have the integrity to do so. This appears to be a major issue with this brand, as I have seen on reviews for Care Credit on XXXX XXXX. And instead of taking measures to help their consumers and improve practices, they are derelict in their duty to responsibly provide credit services. There needs to be a law requiring credit card companies notify you BEFORE they close your account, and there needs to be ACKNOWLEDGMENT from the consumer that they understand this BEFORE the account can be closed. Because these practices are botching people credit scores, like mine. I am trying to apply for a mortgage, and I had this card open for a long time, helping my credit, but them closing it without my knowledge or permission, just set me back. Also, there should be a way for them to reinstate your closed account. If they can close it so easily, why can't they reopen it when THEY made a mistake? There needs to be accountability, instead of just 'oh well '. People who pay off their cards and are in good standing should not be penalized by a greedy system that can't make money on a card I only use for emergencies and special purchases.

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 2021-05-11
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS CAUSING GREAT STRESS ON MY CREDIT FILE. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED BECAUSE IF IT VERY UNFAIR HAVING TO DEAL WITH THIS WHEN I AM VERY SURE THAT THOSE TRANSACTIONS WAS NOT MADE BY ME AND IS NO WHERE NEAR RELATED TO ANY TRANSACTIONS AUTHORIZED BY ME. PLEASE RE-INVESTIGATE AND REMOVE THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE ANOTHER COMPLAINT ABOUT A COLLECTION ACCOUNT REPORTING ON MY CREDIT REPORT THAT IS ONLY REPORTING ON TRANSUNION AND THE OTHER 2 BUREAUS ARE NOT REPORTING IT AT ALL WHAT SO EVER! THE ACCOUNT NUMBER TO THIS ACCOUNT IS XXXX FOR CREDIT COLLECTION WHICH TH EORIGINAL CREDITOR IS XXXX XXXX  COMPANY. IT IS A PAID CHARGE OFF REPORTING AT A XXXX BALANCE. I REALLY DO NOT UNDERSTAND WHY THIS ACCOUNT IS ON MY CREDIT REPORT TO BEGIN WITH. ESPECIALLY WHEN IT IS ONLY ON TRANSUNION. I WOULD REALLY APPRECIATE SOME ASSISTANCE ON THIS ACCOUNT AS YOU HAVE ASSISTED ME IN THE FUTURE. I DO NOT BELOIEVE THAT THIS ACCOUNT IS FOLLOWING THE FCRA AS IT STATES IT DOES. PLEASE INVESTIGATE THIS FURTHER. 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 2022-08-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I went into my credit union Navy Federal & was told deposit will be available on XX/XX/22 funds sat in my account until XX/XX/22 Ive contacted Navy Federal this is bank negligence, bank competence, discrimination against me because Im XXXX money held in my account been high amounts since Ive joined XX/XX/22 with them. Thus is a legit valid US Treasury Check. Bank gave me a number to call on a letter by mail dated XX/XX/22 & on XXXX of my complaints y'all closed out without verifying this matter. Its caused me to be unable to pay my bills & receive my funds from my Business Taxes for the 2021 year. Ive submitted proof of providing documents on the check. US Treasury can verify check cleared and states paid in their system on XX/XX/22. Navy Federal gave this number on a complaint I filed with yall on XX/XX/22 XXXX, it is not a valid number. Thus needs high level investigation I need my funds out my personal account ending in XXXX, & business account bank has yet to reviewed my money which I deposit way from XX/XX/22. Totaling XXXX in account ending in XXXX. US Treasury trued to contact bank at all numbers given none work to give me a number not working shows yall their the ones lying and trying to steal. I have meeting with a news reporter and will let them see these facts. US Treasury XXXX XXXX  ( XXXX ) XXXX behind IRS Business Refund with guaranteed funds of XXXX valid checks. I busted IRS XXXX XXXXXXXX on XX/XX/22 I will upload documents on XX/XX/22 XXXX XXXX restricted me access from my funds out my personal account. I need my money immediately this matter has dragged on far too long. Next level is a lawyer as Ive written White House congressman is sending in a complaint with supporting docs XXXX XXXXXXXX on my behalf as they too know its my check and its from the IRS XXXX XXXX business taxes at ( XXXX ) XXXX or ( XXXX ) XXXX. I have XXXX children this matter no bank has any right to without customer funds ever especially not a month today is XX/XX/22 thus occurred on XX/XX/22. Thus bank is not following their NCUA regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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 enough information to verify debt

Complaint:
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX XXXX , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling Midlands accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling Midlands account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to Midlands failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-30
Company: Avadyne Health Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called me multiple times 3 times a day and I asked to be removed and they never did and are still contacting me, if they contact me again i'm going to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint keeps playing games and has not shown where they applied three partial payments I made to my mortgage last year. These amount were XXXX each. They received HAF funds and applied full amounts from HAF ON TOP of the partial payments. When I have asked them to rectify this they claim they took the 3 partial payment and added them to the HAF total and then paid out other months. No proof and nothing reflects this. Addtionally shellpoint agree with state of maryland ot bring loan current. They received funds XX/XX/2023 and then attempted to still bill me fully for that month which is not what they agree to state of maryland. so there is XXXX give or take that they need to credit me. Addtionally they PROMISED the state of maryland HAF dept that they would not raise my interest rate and would work on lowering monthly payments. instead they drastically raised my rate a huge amount. 

as of XX/XX/2023 they keep sending me the wrong amount do every month since 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 2019-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I send funds to a individual that was selling a product online. I use my bank account to send funds through XXXX to the individual and the person never send me my product and not responding to any emails. The date I send the funds was on XX/XX/2019 of {$600.00}. I called my bank and expressed to them on the same day I was being scammed. The bank said it couldn't return the funds to me because it were already sent to the other person bank.

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 2023-01-07
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: Information belongs to someone else

Complaint:
Updated Identity theft report and required and requested information requested by XXXX and Equifax. 

XXXX and Equifax continues to violate my rights and are Making me jum through hurdles to get these fraudulent collections and inquiries off of my credit files. 

This is the last warning to follow the laws and stop violating my rights i have provided all documentation needed and I demand that you stop violating my rights immediately and remove these fraudulent entries from your credit files. 

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 Management All furnishers must have in place reasonable procedures to respond to notifications from XXXX  that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. 
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company, Commonwealth Financial is attempting to collect debt on an medical debt that is not owed to them nor have I ever had an account with Commonwealth Financial. Also, the reporting date is incorrect and the amount is reported incorrectly twice as two entries on my credit, further damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Aldous & Associates, PLLC
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:
This illegal collection agency stayed in one of their responses they were going to treat their lack of prior notification required by regulation, F as a dispute, and they were going to mail that dispute information to an address on XXXX XXXX. I responded to their response and told them that was not my address. Apparently according to them thats where they sent the information anyway even though they were told that is not my address. Theyve already admitted they did not send the initial disclosure notice as required by the fdcpa and now theyre admitting theyre sending information to an address and it doesnt belong to me because theyve been told Im no longer at that address.. I have reached out to the individual that is now living there. If they receive anything from this company, it will be returned to them certified mail. She is then going to send me proof that its been returned.. once I receive that proof, I will give this company 45 days to remove their illegal collection from my credit file or Im going to sue them and Im going to use all of their responses here against them in court. They have been told multiple times the address they have on file does not belong to me. They have admitted to never sending an initial disclosure. They just dont care. Not only will I be suing them, but I will be suing their client as well. Ive already got 20 people that theyve done this to, were going to file a class action lawsuit.

Company response to consumer: Closed with explanation