BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-07-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been getting the run around with Cardinal Financial company and the title company that they use XXXX settlement services. one of the issues regarding closing on my refinance was, I was approved to close but no one would schedule the closing. I had to call numerous times to get an answer as to why it was not scheduled. everyone that reviewed my file could not understand why a date had not been set after 2 weeks of being approved. I was finally given a date to close on XX/XX/XXXX. I live in Texas and had to travel to another state to take care of my mother who is critically ill and was told I could close there only to find out I couldn't due to the laws of Texas so I was told. I had to make arrangements for my mother and purchase a airline ticket to close on XXXX XXXX. I was assured everything was finally in order and the close would definitely happen on the XXXX. I CALLED AGAIN RIGHT BEFORE HEADING TO AIRPORT TO MAKE SURE IT WAS STILL SET FOR THE XXXX. My XXXX was admitted to hospital and I had to catch my flight to make the closing. After I arrived in Texas I called to get the address of the title company because my closing was scheduled for XXXX XXXX XXXX it was XXXX XXXX  at this time. I received a call back from XXXX XXXX at Cardinal Financial that the title company did not have me on the schedule. It is XX/XX/XXXX and no one will speak with me. I was told that we could close on the Friday XX/XX/XXXX, however no one will speak with me and I am still not scheduled. There have been numerous problems with Cardinal Financial dropping the ball on my account and me having to constantly call to get answers. I still need to fly back to be with and care for my XXXX mother and have no answers. the title company claims they know nothing about it .Cardinal financial blames the title co for dropping the ball. I am thrown in the middle at their mercy and cant make arrangements to fly back as my mothers caregiver. I have not been treated fairly during this process and believe I am being discriminated against and given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquiries XXXX  XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been disputing items on my credit report that have not been verified or validated. I have asked TransUnion on multiple occasions to verify the accuracy and validity of the accounts being reported to my credit report. 

I have asked Transunion to verify the Method of Verification, who they spoke with to verify the alleged account, the telephone and address so that I can speak with them and how they verified, TransUnion failed to provide any viable evidence from the furnishers and generated an automated response as I did not consent to e-oscar or automated verification. 

I also asked for the TransUnion to ask the Furnishers for the original signed contract bearing my signature on every dispute since 2017, and they also have failed to provide such evidence, and continue to report inaccurate, incomplete, unverifiable information on my credit report, violating FACTA, FCRA, and my consumer FDCPA rights. 

As also XXXX  and XXXX  have also neglected to properly verify with as TransUnion. 

I have experience emotional and mental distress resulting in humiliation and embarrassment as I have been denied credit on rentals, credit cards, and loans, because these items have not been properly verified or removed as directed.

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 2024-01-08
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Monday, XX/XX/XXXX, someone named XXXX XXXX called my parents ' landline and said he got " failure to respond '' papers. He didn't describe who he was or what this was regarding. He told me to call XXXX. A XXXX search said this number is to " XXXX XXXX XXXX. '' However, the website he directed me to was for " Direct Recovery Services. '' He called from the number XXXX. Multiple websites say this is a scam phone number. 

On Wednesday XX/XX/XXXX, XXXX XXXX called my parents ' landline again leaving a similar message to Monday 's. He once again didn't identify who he was with or what this was specifically regarding. He called from the same number as Monday, XX/XX/XXXX, but gave a different number to call back. It started with XXXX but I accidentally erased the number before writing all of it down. 

On Friday, XX/XX/XXXX, a phone call went to my parent 's landline. This message didn't give a name, who they were with, or what this was regarding. What it did say was that XXXX requested to have a hold put on my account, and that hold has expired. I have no idea what they're talking about, and I in absolutely no way whatsoever put a " hold '' on any accounts. This call came from XXXX. Many sites say this number is a scam and/or zombie debt collector scam. This message told me to call back at XXXX. A quick XXXX search pulls this number up with random results, including one being a general tech support line. 

On Monday, XX/XX/XXXX, at XXXX XXXX XXXX called my parents ' landline again. This time he said he had " authorization '' to give me a final call and that based on my " public record '' I'm not " this kind of person '' and should call him. I don't know what he thinks he's implying here, but it made me feel stalked and extremely threatened, and I *refuse* to engage with that. He gave me yet another different phone number to call back. This time the number was XXXX, and most XXXX search results pull up IRS scams. However, one PR site lists this as the company contact number for the XXXX XXXX 

On Wednesday, XX/XX/XXXX at XXXX, I received a call to my cell phone and my parents got a phone call on their landline. This recording didn't say who they were, who they were with, and only that they were " given special final authorization '' to allow me to resolve the matter by paying 60 % of whatever unnamed debt they've yet to outline. This message told me to call back XXXX. That XXXX search didn't reveal much of note. Though all of the messages told me to go to " Direct Recovery Services '' website, this is the only call that comes from a number linked to Direct Recovery Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I sent my letter to Experian on XX/XX/2023. Here is my tracking XXXX ( XXXX ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

Please remove address : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-06-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/21 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later i have not received a response yet. I fell like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my report it has been well over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will fill litigation due to stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Albert Corporation
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have reached out to Albert banking institution first attempting to remove my XXXX  account that was linked to this savings account. With the abysmal customer ( lack of ) support I received it escalated to mt request to withdrawal my savings and close my account. I have spent 44 days attempting to do so. The customer service agents just keep giving me the run around - only stating the same response over and over again and thank you for your patience. They have almost {$3000.00}. They say my check is in the mail but has not way to track, however when I reach out they say they see the check is en route so give it more time. When I question how they can see that is the status when I was told there was no way to track they do not respond. The only way to speak to someone is via text message. They say they do not have a phone number to call for assistance. I was clear from the start I needed the money to pay a bill due XX/XX/XXXX. It should not take 44 days to withdraw money from your savings account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} EXPERIAN, XXXX, AND XXXX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN 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 2023-08-11
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt collectors keep contacting my family members, announcing to them that they are debt collectors, and that they are trying to reach me. I have emailed them, but they continue to contact my parents, even though I am over the age of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I would like to claim negligence by Chase. They should protect me as their client ; however, they failed to protect me and fail to investigate the claim. They did not live up the expectation that such big company is expected to give to their client. 
On XX/XX/2021, I was victim of voice phishing. The scammer had spoofed Chase Banks number and I was scammed for {$2000.00}, by XXXX. Right after I realize that was scammed, I called Chase and was put in hold for more than an hour, so I had no other choice than going to the local Chase bank to explain my situation. They put hold on my account, and I was told to wait that they will investigate my claim. They also told me that I need to go to XXXX XXXX bank and to talk to them because the recipient is an account holder at XXXX XXXX. I knew this because the person at my local Chase bank was able to me track the recipient and found a XXXX XXXX account as well as the last 4 digits of the account number, also I received multiple emails saying to confirm my account to receive money. We went to XXXX XXXX and after checking my info in their databases they concluded the person who scammed me was using my name and email but after checking my socials I did not have any accounts with them, they gave us a phone number to call fraud department. We called and they told us to wait for Chase bank, that they will communicate with each other to investigate the case. I told XXXX XXXX that I am certain that the money was transferred to XXXX XXXX bank account, because they used my email to open a new account at XXXX XXXX. They fraudulently opened an account at XXXX XXXX to steal money from me. Thus, XXXX XXXX Bank also must be responsible for this claim. 

The next following morning not even after a full 24 hours in the morning, I had received a statement from Chase through my Chase mobile app stating that under my authorization and agreement that they will not be taking any action and the inquiry was now closed. This especially confused me since I have never discussed not taking any action and have agreed to close the inquiry. I was assured over the phone by Chase bank that they would work hand in hand with XXXX XXXX and update me on any finds regarding my claim, but I received no updates, no resolutions, just a statement stating that the inquiry was now closed, and they will not be taking any action. I even called after receiving the statement and was put on hold for more than 2 hours and called back the following day, and the lady I was speaking with could not explain in her own words what the resolution was and why my inquiry had been cut short without any investigation. Just repeating the same thing over and over again and I was not satisfied with the answers. It seemed to me that they just wanted to cancel my claim without any right of fair investigation. 

CHASE CLAIM # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: VA
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation