BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Jonathan Neil & Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter dated XX/XX/23 from Jonathan Neil & Associates , Inc. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. 

I am writing to file a complaint against Jonathan Neil & Associates , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am concerned that the company failed to meet the FDCPA notice requirements in its attempt to collect a debt from me. 

On [ Date ], I received a notice from Jonathan Neil & Associates , Inc. regarding an unpaid balance due on my policy with XXXX XXXX XXXX. The notice failed to include the mandatory " tear-off '' dispute form required by the FDCPA, which makes it difficult for me to dispute the validity of the debt. Additionally, the notice did not provide me with detailed information about the debt, including the amount owed, the original creditor, and any proof of my agreement to pay this debt. 

I have already sent a dispute letter to Jonathan Neil & Associates , Inc. regarding the validity of this debt, but I have not received any response to my request for validation of the debt or the " tear-off '' dispute form. Therefore, I am filing this complaint with the CFPB in hopes that your office can intervene and require Jonathan Neil & Associates , Inc. to meet the FDCPA notice requirements. 

I am also concerned that the company may be engaging in other unfair or deceptive practices in its attempt to collect this debt. I request that the CFPB conduct a thorough investigation into Jonathan Neil & Associates , Inc. 's debt collection practices and take appropriate action to protect consumers. 

Thank you for your attention to this matter. Please contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
It APPEARS TRANSUNION, XXXX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX XXXX & XXXX XXXX. TRANSUNION, XXXX, AND XXXX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION TRANSUNON, XXXX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER TRANSUNION, XXXX, AND XXXX HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.

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 2021-08-09
Company: EQUIFAX, INC.
State: IL
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
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 1681XXXX 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 an 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company have no responded in the past 30 days.

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 2023-03-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXAccount # XXXX, has violated my rights. 


n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 




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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions 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 am interested in processing disputes on my credit report with experian. alot of information is inaccurate an needs to be removed from file asap. review the data an clean my credit report.

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 2023-02-14
Company: MOHELA
State: CA
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:
Hello, I borrowed money to fund my college and law school education ( XXXX, XXXX ). Between XXXX and present ( XXXX XXXX ), except for about 7 months, I have worked in public service. My employers have been local government departments or 501 ( c ) ( 3 ) non-profits.

Under PSLF, I am eligible for loan forgiveness. I need 120 payments to qualify. Between XX/XX/XXXX and now, the eligible period, I have made approximately 176 payments, all on time. 

I consolidated eligible loans summer XXXX. I applied for forgiveness in XX/XX/XXXX. To date, MOHELA has acknowledged that I have XXXX qualifying payments based on the employment verification forms I submitted to MOHELA. As of XX/XX/XXXX, I am still waiting for the forms to be processed to reflect a count of greater than 120 and have my loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed this account multiple times with all 3 Credit Bureaus This account was opened on XX/XX/XXXX and Requested to be closed and paid in full XX/XX/XXXX since then the credited has been charging me late fees every month. 
I spoke to XXXX on XX/XX/XXXX he states a late fee was put on the account in the amount of XXXX on XX/XX/XXXX on XX/XX/XXXX I paid XXXX and requested the account be paid in full because that was not the first month they tried charging me a late fee charge. On XX/XX/XXXX there was a credit of XXXX to the account that was to show paid in full per the lady on the phone. The computer system reviewed the credit that was given to me and took the credit back that was given to me. Now over the last year I have been charge nothing but late fees every month on a account requested to be paid in full. This is the only account that shows I have a XXXX, XXXX and 90 days late and the account is closed. I have requested a Itemized Bill numerous times by the company who refuses to provide me with it because there are no charges just late charges they continue to charge me even though the account was requested to be closed and paid in full that day. It shows on XXXX XXXX that it is a charge off account which is not accurate and that I owe XXXX which I don't because this account was paid in full when requested to be closed that day on the phone. I am tired of asking this company to be honest and do the right thing this is fraud and affecting my credit that I have worked hard on as a single mother. I am a finance manager who pays my bills and this is a poor excuse of a company scamming people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been advised that I owe this debt collector for {$460.00} the debt collector is Resurgent LVNV Funding I advised them that this is not my debt and that this was a result of someone impersonating and having my personal information. They insist that this is my debt and they were taking legal action and put me in collections with the credit bureau which they did. I disputed this many times with all three credit bureaus. They insist on calling me and threating me about this credit card debt. I refuse to have my name and my reputation severely scared as a result of this collection I have been doing all I can to fight this but they have effected my name, my credit worthiness and this is so humiliating. I have been fighting this since XX/XX/2020. The debt collectors information is listed below. 

Report Number XXXX Resurgent/LVNV Funding Account Number XXXX C/O XXXX XXXX XXXX  XXXX XXXX XXXX LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Violation of the FCRA Transactions is excluded from a consumer report Account number : XXXX XXXX The following U.S . Codes were violated against me : 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) 15 U.S. Code 1681n ( b ) 15 U.S. Code 1681i ( 6 ) I demand the late payment statuses be removed and account remain closed with PAID status updated.

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 2022-04-27
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:
This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXX, ( Only reported to XXXX & Experian ) XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to 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 2020-06-08
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called several times from someone looking for XXXX XXXX, I have told them numerous times that I dont no this person. They say they will take my number Off the list, but they continue to call about someone and their debt that I dont know. They call everyday all day long it started on XX/XX/20, It has been going strong ever scenes. They are calling from XXXX the name of the company is Sunrise Credit Services

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 2022-07-17
Company: EQUIFAX, 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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was NOT given a 30 day Notice of Service Transfer. I still to date today XXXX XXXX have not received a Notice of Service Transfer. On XX/XX/XXXX we closed on our first and only home with a FHA loan. There were several issues less than 90 days after move in. On XXXX XXXX, I received a letter stating I was delinquent, but my mortgage payment and late fee were added and excepted by Cardinal Financial on XXXX. There has never been a missed or late payment from XXXX XXXX XXXX XXXX until XX/XX/XXXX. Again, the late fee was added with mortgage and excepted on XXXX. After that I received mortgage increases each month. 
Then on XXXX XXXX  I called in to Cardinal XXXX and ask for help with my account because I had lost clients to Death or their family or legal representative moved the client to Hospice ; and I need help with a 36-month ESCROW ACCOUNT spread. I have reached out via phone and email to Cardinal asking for clarity. I have received Foreclosure Notices, generic letters, but no resolve. I applied to Texas Homeowner Assistance Fund and Cardinal requested {$11000.00} from XXXX for 50 days delinquency. Cardinal has not been forth coming with requested information I formally requested proof of my account and still no resolve and it has been since XXXX XXXX of Formal Letters from me sent to Cardinal. Now today, the company has BLOCKED me via email, and phone. I had to use another email address to get the Formal Letter sent back to Cardinal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: FL
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:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Loan Processor NMLS # XXXX XXXX XXXX and Closing AttorneyXXXX XXXX XXXX failed to return {$1100.00} Seller Credit ( XXXX ) + {$4800.00} ( MI Premium-Never applied to loan and was not required-Conventional Loan ). {$1000.00} Earnest Money Check not applied to Loan Balance of $ XXXX Total {$7000.00}. 
Mortgage @ $ XXXX {$180000.00}. Borrower brought {$25000.00} to Closing Table in Closing Cost ( s ) in Loan document submitted by Loan Processor. The amount of XXXX was added into the loan amount = {$190000.00}. = {$210000.00}. Docs to be presented from the Loan officers calculations ( copy ) -and the fraudulent calculations of the Closing Atty of the Up Front MIP payment which has not been applied in this loan and again, was not requested in Conventional Loan process. New American Rep stated that the {$4800.00} was reflected in loan as other costs, which the Closing Atty and in cooperation with the loan officer overcharged in Closing Cost ( s ), which I opted out to pay, but was still included to reflect the Other Cost ( s ) and unrequired and un-asked for closing cost ( s ). There is no payment in this loan for MIP Insurance. Documents presented upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation