BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-12
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to pay {$420.00} to National Credit Adjusters ( NCA ) who were representing XXXX XXXX. I agreed to make 3 payments of {$190.00} beginning XX/XX/19. I made an on time online payment on XX/XX/19 of {$190.00}, confirmation number XXXX. I made an on time online payment of {$190.00} on XX/XX/19 on XX/XX/19, confirmation number XXXX. However, NCA reported my payment as missed or late to XXXX credit reporting agency and my credit score plummeted more than 60 points. I filed a dispute with XXXX and they later wrote and told me that the creditor said it was correct. It is a flat out lie. I dont  know why NCA is trying to ruin my credit after I have agreed to their payment schedule and followed it to the letter. I will provide my bank statements to you as further proof. I would appreciate your further investigation of this matter. I will make the final payment of {$190.00} before or on XX/XX/19 as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 I requested for a car loan to buy my first vehicle It was a used car The loan was approved, Unfortunately The car dealer he approved me to leave the parking garage With out a full cover car insurance that would pay for any serious damages to the car or the victims this was my first vehicle I thought I was paying for a full cover and he forgot to mention me the car insurance cover part now they over charged me for this car

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 2020-09-10
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I mailed transUnion twice to remove all personal information out dated and obsolete they have not done so, they update twice now and information still on account please remove items on the two letters I mailed to you twice names, address s, jobs, spouse, phone numbers they are obsolete I did not attach personal letters to this case

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 2019-03-13
Company: Mel S. Harris and Associates, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018I had outpatient XXXX at XXXX XXXX Medical Center XXXX XXXX XXXX, in XXXX, FL. Prior to the XXXX the outpatient XXXX nurse at XXXX had contacted my physician, XXXX XXXX XXXX, MD, in XXXX XXXX, Fl and given him a list of pre-op laboratory tests that were required to be completed prior to the procedure. This list omitted the PT and PTT tests. These tests could have been done by the lab that did my other tests, at little or no expense to me, but because they were omitted by XXXX 's nurse, the hospital did them as a " stat '' test immediately prior to the outpatient procedure. Neither the procedure or the tests are considered to be for an " emergent '' situation for the following reasons : 1. this was an outpatient test and the diagnosis did not warrant admission to the hospital. 2. The physician that performed the XXXX XXXX  at XXXX did not deem the test as " stat '' or emergent as his office scheduled the test 3 weeks after the referral to his office was submitted by my consulting spine surgeon. 3. the diagnosis of possible XXXX  XXXX is by definition a chronic, not acute, condition. 
I was not given the opportunity to have my lab perform the tests because outpatient intake nurse said she would " take care of it ''. The procedure could have been rescheduled for another time but this option was not presented. Instead my blood was drawn and the tests done and the charge that was submitted was for a " stat '' procedure.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account 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 explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: NV
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:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX   XXXX,  XXXX,  XXXX XXXX XXXX ,  XXXX/XXXXXXXX,  XXXX XXXX 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

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 2018-09-10
Company: Meridian Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from Meridian Financial services for a timeshare owned by my ex-wife and I. In the divorce decree It states we are both responsible for half of the fees until it can be deeded back. The bill was for {$1000.00} and was received on XX/XX/18 and XX/XX/18, I paid my half, {$500.00} on XX/XX/18 after consulting with my attorney and included a copy of the divorce papers as proof along with a letter stating our business is concluded. I also stated that the other half of the debt is my ex-wifes responsibility and to contact her to get it, all by mail. 
On XX/XX/18 I get an email notification from my credit reporting agency that a debt with the high balance of {$720.00} was listed on my credit report and {$500.00} balance left over by Meridian Financial services. That's a difference of XXXX. Not only is Meridian wrong on the amount I owed they are also wrong in the amount I've paid them. 
It's interesting to me that the amount I supposedly owe equals the other half of the total debt.

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 2020-09-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I took out a a Synchrony credit card to pay for some dental work at XXXX XXXX XXXX. The amount was {$2400.00} on XX/XX/XXXX. 

I put in auto-debit info and selected pay minimum, which would have been {$74.00}. However, they charged my the full balance, {$2200.00} on XX/XX/XXXX ( they says XXXX which is impossible because of the holiday ), XXXX. I have my XXXX banking statement to prove this ( currently Synchrony says I paid twice, which is incorrect. ) I called to ask for a refund. They said they could only send a check. They said they would send a check, minus first months payment, for {$2100.00}. I received this check and deposited it on XX/XX/XXXX. 

Since then they have added, removed, added, and removed the initial balance to my account to multiple times. Now they say I owe {$4400.00}, instead of the {$2100.00}. 

I have called countless times, and chatted countless times, unable to reach an agent under 1.5 hours, or to be put in endless holds never getting a hold of anyone. They have purposely ignored my requests to resolve this, or lied to me and said I signed up for promotions, or lied saying they were resolving it, only to have other agents say thats not true. 

They sent me a notification on XX/XX/XXXX, that my check bounced, which is why this charge is on my account. I have never sent them a check nor, have I ever used their services and money past the initial charge ( + {$2200.00}, then - {$2200.00} ) and refund check ( + {$2100.00}, what I should owe them. ) Im begging for some help I would just like my balance to be the correct {$2100.00} and I will pay it in full and close my credit card immediately just to escape what is clearly a predatory and fraudulent bank. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax consistently shows my credit scores at least 23-30 points lower than the other two agencies reporting scores. XXXX shows XXXX, XXXX  shows XXXX and this creates large problems for me when people look at my credit scores. I have been given bland, hard to understand answers from other people as to why they do this. I have heard from friends who experience the same problems of them showing lower scores. I just want them to show consistent scores like the other agencies and stop putting my scores at the bottom. This is totally discriminatory and causing me problems. 
I never liked this scoring issues to begin with, it pits you up against wealthy people and upper class people, I am struggling to clean up my record and they are hurting my chances in doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit score says its a lot lower than what it is and it concerns me because I really been working on my credit thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: MARINER FINANCE, LLC
State: PA
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:
XXXX show up on my credit history ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Mariner finance ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX (XX/XX/XXXX,XX/XX/XXXX ) do not have any knowledge of this inquiry

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 2022-07-07
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not purchase anything from Montgomery Wards, I know who did, but they did it in my name I don't know if it was tools or tires, I am not paying for something that I don't and have not used! I have contacted the main office and they told me to get a signed document from that person and he will not do it! I don't know what to do with this account! If it was the tools I don't use them and they are no where in my home and for the tires I have a different vecheil, and have had for over a year! So maybe I could get some direction on how to handle this! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX Thanks for allowing me to finally view the card statements through your response from the previous CFPB complaint listed above. After reviewing the statements I see that there are billing errors I did not authorize any of the highlighted charges. see the attached documents This is a billing error dispute.

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 monetary relief
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. 
WHEN THEY REMOVED THE FRAUDULENT ADDRESS THEY SHOULD HAVE REMOVED THE FRAUDULENT ACCOUNTS. 
THEY HAVE BEEN NOTIFIED SEVERAL TIMES ABOUT THE FRAUDULENT ACCOUNT. THEY WERE NOTIFIED BY CERTIFIED MAIL WITH RETURN RECIEPT AND BY REGULAR MAIL AS WELL AS SEVERAL DOCU, MENTED PHONE CALLS. 
I WILL USE THIS IN MY DEFENCE WHEN I FILE MY LAWSUITE AGAINST TRANSUNION. All they do is simply verifiy an account, THAT IS NOT CONSIDERED A PROPER INVESTIGATION. I WOULD LIKE NAMES AND PHONE NUMBERS ON EVERYONE THEY SPOKE TO TO VERFY THIS FRAUD ACCOUNT. PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP. 
( XXXX XXXX XXXX Closed : XX/XX/2018 )

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