BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: VA
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 CONVERGENT ACCOUNT #S LISTED BELOW HAS VIOLATED MY RIGHTS>>>>>>>>>>>>>>>>>>>>> 15 U.S.C 1581 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. >>>>>>>> 15 U.S.C 1581 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
EQUIFAX  INQUIRES
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXO
Reported: XXXX XXXX XXXX  $0.00 Closed

HARD INQUIRIES

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I apply for Mortgage refinance with Amerisave mortgage corp. on XXXX after they run my credit one of there customer service representative XXXX XXXX told me I am approved and need to pay {$500.00} for processing and the transaction was going through but all of the sudden they said my application is declined and they are not refund my application fee of {$500.00} I need my application fee refunded as soon as possible both me and my wife has a credit score of more than 800 and I believe we are discriminating against because we are minority or XXXXXXXX Americans  and specially the way there loan originator XXXX XXXX treat us is unbelievable

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: Pendrick Capital Partners Holding, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a letter saying that i have a debt for {$590.00} from Pendrick Capital Partners, and I never remember having an account with them or owing any money to them. So i'd like them to give me more info so i can figure out what this debt is for. And I don't want to send them any money just in case if it is fraud account. Because this debt does not show on my XXXX XXXX or any previous account i've closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel I being charged a fradulent Mortgage Interest Rate ( Adjustable-Rate Mortgage ) for the past Three years. My ( ARM ) is the type that supposed to adjust with the current market rate and I feel I have bern over charged for the last Three years. 

What caught my attention about my ( ARM ) being inflated, is when I contacted my Mortgage Service Company ( Seterus Inc ) on Friday, XX/XX/XXXX in the evening. I was speaking to a employee at that company in regards to my extra amount if payment I was paying each month to catch-up on a One month payment of {$400.00} and at that time my regular monthly payment was {$2400.00}. But what got my attention was I asked the Customer Service Representative what was the current ARM rate and he put me on hold for a few minutes to do some research and calculation, he came back with stating the current rate was 3.09 % and mines was at 4 %, so I asked him why was mines so much higher, my ARM is supposed to reflex the market rate. I am struggling to catch up on the One month I am behind and afraid I could lose my home if this Mortgage Company keeps increasing my ARM with these fradulent Rates. 

XX/XX/XXXX ARM Rate - 4 % - {$2400.00} XX/XX/XXXX ARM Rate - 4.25 % - {$2400.00} would have been {$2500.00} if I didn't pay {$780.00} Escrow Shortage XX/XX/XXXX ARM Rate when down to {$2400.00} because I paid the escrow Shortage. XX/XX/XXXX ARM Rate - 5.37 % XX/XX/XXXX - New Payment {$2600.00} My balance of my loan is {$260000.00} I am struggling to pay the One Month I am behind if the mortgage company keeps increasing my Mortgagepayment and I can not refinance my mortgage to a regular fix rate if I can not catch-up. 

I have all the paperwork about the ARM adjustments. They are saying that my interest rate calculation is done by a index rate and adding a certain number of percentage points called margin and taking into consideration any applicable rounding and intereste rate caps of 3.10388 % and a margin if 2.25000 %. 

I need some help with this situation, I believe I am being taking advantage if and being over charged for the last Three years.

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 2023-01-06
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lendmark Financial Services has filed a suit against me and I have received a WRIT of Summons to appear in court on XX/XX/2023 XX/XX/2023. I have attempted to settle this matter personally with no luck. This company has violated a number of my Consumer Rights. Without the signatures of all parties involved and without proper disclosures of my XXXX XXXX XXXX in accordance with the Federal Truth in Lending Act the legally binding contract is null and void. Lendmark has also hired a XXXX XXXX XXXX XXXX XXXX, XXXX to assist in the collection efforts of this alleged debt. This law firm has contacted me via mail and phone calls attempting to collect on this alleged debt with out my consent which is a violation of my rights to privacy. I did not consent to a third party having my information. The FDCPA is clear about the lawful actions that can be taken by a debt collector and this company has blatantly disregarded those regulations. With XXXX different companies contacting me about the same alleged debt I am confused about who is the debt collector and who is the original creditor. Lendmark has also reported false negative information to the Credit Reporting agencies. Defaming my Character and Ruining my reputation. 

15 USC 1692e False and Misleading Representation states ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

15 USC 1692i Legal Actions by debt collectors states Authorization of actions ( b ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

15 USC 1692j Furnishing Certain Deceptive Forms states ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: TX
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:
The unverified items indicated below continue to report on my credit report despite XXXX written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-09-15
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical provider was paid by my insurance provider XXXX XXXX, the medical provider double billed for services, had a call with the medical provider and XXXX claims rep and requested an investigation into the billing which medical provider didn't conduct the investigation and did not provide any investigation documentation. 
I just received letter from XXXX FINANCIAL SERVICES that I have a medical bill that is in collection and it has be placed on my credit rating. 
The medical provider XXXX XXXX  XXXX XXXX XXXX, date of service was XXXX XXXX paid {$6500.00} which included the XXXX XXXX to XXXX XXXX XXXX, XXXX I had a {$350.00} out of pocket which I paid in full, now I have a collection I would like to bring to your attention I have always maintained a good credit history and diligently have paid all my debts in a timely manner, Therefore I find it highly that I would have any outstanding balances unpaid unless there was a billing mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: TX
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
medical debit not mine or has been

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 2023-09-14
Company: Incomm Holdings Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Purchased a Visa Vanilla gift Card from XXXX on XX/XX/2023. It was a XXXX gift for my son. When he opened it, it had been cut in half and all the numbers have been scratched off. I took it back to XXXX and they said that they have been having problems with their gift cards and actually have a department that deals with it. So they gave me the number and told me to call them and they would give me a gift card that works - I called the number they supplied ( XXXX ) XXXX and was told that Visa Vanilla will not work with them so I had to call Visa Vanilla to get the card replaced. So I called Visa Vanilla at XXXX and spoke with XXXX and he told me that they would replace the card. I gave him all my information and waited. No card was sent. I then called Visa Vanilla back and spoke with XXXX and she would not give me my case number and said that I would have to wait 15 MORE days. I asked to speak with a Supervisor or Manager and she hung up on me. I called back and was put on Hold and they never picked up. They left me on hold for over an hour. They will not give me any information. I think that they think that I am going to go away. I want my money so I can give my son his XXXX present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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