BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2021-12-22
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:
Social security numbers on my account and on my husband 's account at Equifax, XXXX, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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 was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXX XXXX XXXX, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: National Credit Adjusters, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was living in California and predatory XXXX XXXX representative in the store applied for me the service. They declared it will sent to my account but I didnt see it. It was sent credit bureaus and I can not contact them for this issue because it sold to another company called National Credit Adjustment. Please remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

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

! 5 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. 

Under Engelhardt v. Gravens " 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 face therefore exists, ''

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 2020-07-07
Company: Village Capital & Investment LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Village Capital has not contacted me in over 3 weeks on a request for a streamline refinance. I have been calling Village Capital for over 3 weeks as my wife was XXXX  due to XXXX trying to do a streamline refinance. I constantly receive offers in the mail to do this and need the help. Each time I call I am told that someone will call me in a few hours and no one every does. I have called over 4 times and each time are told the same. I have requested a manager and was told there were none working but they would have one call me. Again no call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}

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 2020-11-05
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THEY USED THE POLICE TO EVICT US DURING XXXX. THEN TOLD THE COURTS THAT WE WILLINGLY MOVED OUT AND BROKE THE LEASE. WE HAD 6 MONTHS LEFT AND THEY ARE CHARGING US THE TERMINATION FEE. THEN SENT IT TO COLLECTIONS AND THEY ARE HARRSSING US AND DAMAGING MY REPORTS. 


SUMMARY OF MOVE OUT CHARGES Residents : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX, KY XXXX Move-Out Date : XX/XX/2020 STATEMENT ( ACCOUNT # XXXX ) Charge Amount Move In Fee {$150.00} Rent {$3800.00} Resident Utility Charge {$310.00} Point of Lease Renters Insurance {$43.00} Valet Trash Service {$100.00} Late Fee {$340.00} Legal Fee Income {$190.00} Damage {$270.00} Termination Fee {$4200.00} CHARGE TOTAL : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid off in full XX/XX/2019. Carmax has inaccurate accounting Carmax is reporting the Charge off of XXXX. Carmax is documenting a charge off dated XX/XX/2019 of XXXX. Carmax refuses to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm very upset! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Regularly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been above and beyond the expansion time frame given. I have exhorted you on in excess of 3 distinct events. I'm beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. In the event that you don't eliminate this mistaken data quickly I will document a formal complete with the Government Exchange COMMISSION! I'm staying aware of the entirety of my reports and types of correspondence with you on this matter simply in the event of recording an objection with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Association Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. On the off chance that your next reaction to me is anything but a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Reasonable Credit Detailing Act isn't erased I will proceed with my FTC objection. As shown by the Reasonable Credit Revealing Demonstration, Area 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the primary stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a novel buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to firmly check these records has hurt my ability to procure credit. Under the FCRA, wrong and mysterious data should be erased from a buyer 's 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 explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM 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 explanation
Consumer complaint received 2021-12-22
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : WESTLAKE FINANCIAL SVC

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 2023-09-21
Company: Rozlin Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An unauthorized medical account is being reported on my credit profile, I never have been to XXXX XXXX in my life ever.

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 2023-05-19
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. 
In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. 
If you are unable to provide any of the above please delete all inquiries immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two weeks ago I received a letter from SPECIALIZED LOAN SERVICING. They are my current mortgage lender. I refinanced and started paying my mortgage with them in XXXX of 2020. The letter I received stated beginning XXXX, XXXX, 2020, my monthly mortgage payment will increase by the amount of {$130.00}. This increase was based on estimated shortfall in my escrow. It stated that this is based on an anticipated increase in taxes as and/or insurance. I have verified that there is no increase anticipated in taxes and/or insurance. I have determined, through the numerous people I have spoken with at SPECIALIZED LOAN SERVICING, that this amount is actually based on an unpaid balance from my previous lender. In all of the time I have been paying my mortgage, I was never made aware of this unpaid balance. The letter did not indicate this and made up a dialogue about escrow to obtain these funds from me. This communication is unethical. I have spoken to the XXXX XXXX team members four times. They have all been helpful and agree this is a problem they can not fix. I have been told I must speak to a Supervisor. Each of them has emailed and reached out to a Supervisor by the name of XXXX expressing the importance of this response. Despite my numerous attempts to speak to someone that can assist, I have not connected with anyone. I am going to have to remove my automatic withdrawal if this is not fixed soon as they will begin to withdraw the funds XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a call several months ago from Credit Collection Services about an account with XXXX. I had received no written communication from them and requested written verification of the debt, mailed to their address on file. It never came, so I disputed the item on my credit report. It came back valid, because they claimed to the credit bureau that they had mailed it, so I figured I would pay it. So today I called them back and asked for a pay to delete. If they had simply declined, that would have been fine, but instead the representative chose to lie to me about the contents of the FCRA and tell me that collection agencies are forbidden from removing reported items. When I told her I wouldnt be paying unless she told me the truth, she said she was going to notate the account that I refused to pay. I didnt refuse. I simply refused to be lied to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I do not generally pay intereset when I get a credit card. I typically pay it off in full when I recieve the bill. I asked to go paperless on my Capital One account because like everyone else, I want to save the planet. I rarely use this card so when I did not receive a bill for the first couple of months I was not alarmed. I really got it as an emergency backup card. When I finally did use the card I never got a statement. From the period of XXXX XXXX to XXXX XXXX I was charged interest on an amount that I NEVER recieved a statement for. This interest totaled {$530.00}. I only noticed that this was happening because they also negatively affected my credit score. My bankcard, in which I pay everything with, was hacked and I had to change all my bills over. I used all my statements to make sure I did this but was unable to do it with this credit card because as I said earlier, I never recieved a statement. When I contacted Capital One around XX/XX/XXXX they notified me that there was a technical problem on there end and that sometimes statements do not go thru with XXXX email adresses. There was not a problem with my email adress and the statements did not got to spam, they just did not go thru. I spoke with a manager there with employee # XXXX. She notified me after I got off the phone with there technology department that I would have to make a payment before any dispute could be made and to call back in a couple of days when the payment is processed. I called back once and their system was down apparently. I was finally able to talk with another manager, id # XXXX, on XX/XX/XXXX. He informed me because of the terms of agreement that he would not be able to take away the interest charges. I informed him that on those same terms of aggreement it states that I will get a notification of any statement balance. He agreed that I should have gotten a statement and that it is hard to pay a bill or balance that you are unaware of. He also stated that he understands my frustration with the {$530.00} but says he is unable to reimburse me for the interest charges because of the terms and conditions of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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