BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( which is the address listed on my credit report ) on XX/XX/XXXX and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$17000.00}. I also informed XXXX XXXX XXXX, LLC that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or Transunion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX  '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I have NEVER lived at that complex or done business with XXXX XXXX. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. I appreciate the CFPB 's assistance in the matter. Best,

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 2019-07-09
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was admitted to XXXX XXXX in XX/XX/2017. Documentation as to whether or not I received intravenous contrast dye was poor. Middle record records indicate I received the contrast dye after the procedure was completed. The radiology company administering the test identified an error in their medical record system that they have not corrected. Thus they can not prove objectively that contrast was administered except to look at the radiology films which they have not provided me in a readable format. Despite the radiology company having my correct address and telephone number, I never received any bills at my residence for this service. They then sent the bill to the respondent for debt collection. Despite having the correct address and telephone number for my residence from the radiology company and having access to my credit report, the debt collector made no verifiable attempt to give me a call by telephone or send me a letter. They claim that they sent me a letter via regular mail but they can not prove its being sent or being received. Despite having my correct address and telephone number and access to my credit file, The debt collector continue to call an unrelated individual with the same last name. After not receiving a satisfactory response or payment, they placed the adverse account to my credit report. This caused me to lose a high security job offer worth {$180000.00} in salary annually. 

If the bill is in the road, I would like to pay it. However I expect to be compensated for my damages as a result of the deck collector not providing me with the opportunity to dispute the debt in a timely fashion or providing me with any notice that a debt actually was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: ALLY FINANCIAL 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:
FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-03
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 tried to disput info from my XXXX report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes XXXX minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another XXXX minutes. They repeat the first guy. I finally get XXXX supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call XXXX like XXXX guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from XXXX recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: MI
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:
RE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-07-09
Company: Experian Information Solutions 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:
FiledBKXXXXinXXXXXXXX-DischargedXXXXXXXX-XXXXXXXXlisted-dischargedinBKXXXX.

ExperianshowsXXXXXXXXtwotimes-1DischargedinBKinXXXXand1reportingassoldtoXXXXXXXX.IwasNEVERnotified.IwassuedbyXXXXafteritsoldtheaccountanditwasDischargedaswell.Howcanyousueforcollectionwhenyouhavesoldtheaccount?Isthatnotfraud?

XXXXXXXXapparentlypurchasedtheaccountinXXXXofXXXXandnevercommunicatedwithmeasitfiledBKinXXXXofXXXX.

WhyisExperianallowedtoshow2accountsandnotjustonechargedoff.ThatdoesnotchangethestatusofXXXXXXXX-theexplanationtheyhaveforXXXXXXXXXXXXstillshowsunderXXXX.

XXXXandXXXXhavebothgottenthiscorrect-itisonlyExperianandtheCFPBthatcannotseetounderstandthenegativeconsequencesofkeepingthisopenwhentheaccountwassoldandtheCompanypurchasingitfiledaBKXXXXinXX/XX/XXXX?

IamquitedismayedthatExperianbeingtheprimaryrepositoryseemstoworktomakeyourscorelowereachtimeyouaddressanissue-ItwasXXXXandnowdowntoXXXXwhenyouhaveaddednewaccountsandtheyarecurrentwithlowusage.WhatGiveshere?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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 2019-07-09
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/1019 XXXX XXXX did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Penny Mac is unethical in their business practices ( this is a bold statement ). After retiring from the Department of the XXXX as a Civilian with 31 years of Government services, and 3 years in the United States XXXX ( Veteran ) I have never experienced any Mortgage problems with any loan. The original loan was with XXXX XXXX XXXX XXXX, however, they transferred the loan to Penny Mac. Penny Mac changed my biweekly payment plan, only reviewed my escrow account once ( projection are not in keeping with commercial practice ), and inform me they are a Debt Collection/Debt Collector Company. I have to guess when they will charge my account for the next mortgage payment. By during biweekly payments, they require a month in advance ( why )? Penny Mac computers systems and payment systems are outdated. If you make an unscheduled payment, not for the full amount their systems tell them they can not or they will need more time to make the payment in the computer system or payment system ( when do computers systems tell you how to do transactions? ) It is all about the systems, systems, not the customers. " We are a Debt Collector '' is what they tell every customer on every call, an I mean " Every Call, '' Penny Mac say by-law they have too ( someone needs to look at the Law or change the law ). What is my point? Changing my biweekly payment, and escrow account not being projected. The Fair Debt Collection Act 15 United States Code, Section 1692. 

Thank you for taking the time to read my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request that I sent to Equifax and XXXX XXXX on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Aldous & Associates, PLLC
State: SC
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aldous & Associates for committing identity theft. I have never given Aldous & Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Aldous & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aldous & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Aldous & Associates continues its collection efforts, I will file for litigation for actual damages caused and Aldous & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX XXXX about a debt from Comenity Capital Bank about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$400.00} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a XXXX part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I submitted three price rewinds on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I had not received any notification on the status of them, therefore, I called about two weeks ago to get an update. I was told that they were denied for the following reasons. 

XXXX Denied because the price wasnt listed online. I had submitted a picture of the XXXX XXXX Sale price that the store I purchased it from was running. In the picture it clearly stated the offer was valid XX/XX/2019 - XX/XX/2019. If Citi had contacted the store, they could have confirmed it as well. Furthermore, in Citis Terms & Conditions, it clearly states that all that is needed is " A copy of the merchants advertisement showing the lower price for the same item by the same manufacturer '', which is EXACTLY what I provided in the picture. The valid dates in the picture complete the 2nd necessary requirement in Citis Terms & Conditions ( Effective date of the merchants advertised lower price ( must be within 60 days of purchase ) ) XXXX & XXXX Denied because the items ( both XXXX wiper blades ) were considered consumables. In Citis Terms & Conditions, it says Items that can spoil or are consumable and need to be replaced after they have been used for a period of time such as food, fuel, batteries, medications, beauty products or personal care products. are not eligible. Clearly, wiper blades do not fit that criteria nor are they listed. If wiper blades are considered consumables, then every item in the world is a consumable ( i.e. a TV eventually breaks and needs to be replaced ). Furthermore, I have had brake components approved on Citi 's Price Rewind in the past. 

I was told that a Citi Price Protection Supervisor would contact me within 24 hours, however, that never occurred which is why I am contacting the CFPB. I do not know if this behavior is a result of Citis decision to remove the Price Protection Program,  however, it is unlike Citi.

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 2017-10-03
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi. I returned all the cable XXXX equipment to time XXXX including the box and remote and they said that I did n't. I havnt had cable for about 5 years or so. They then got a collection agency to try to collect it. It 's unfair and I think it must be because the data entered At the store was n't recorded or was wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these inquiries are not mine XXXX XXXX XXXXXXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these inquiries are not mine XXXX XXXX XXXX and 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 2022-04-06
Company: GOLDMAN SACHS BANK USA
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is XXXX transactions from XX/XX/22 pending on my credit card. XXXX for {$25.00} and XXXX XXXX for {$14.00} and {$7.00}. I contacted Apple about this and spent more than XXXX hours chatting with them ( I have a case XXXX ). And I also had a call with a XXXX that called at XXXX pm on XX/XX/22. Their end shows these transactions were cleared and I received my daily cash. She told me to chat back in saying I did not receive my apple cash because there was nothing else she could do for me. I did not receive my daily cash. I chatted back in and they said it says posted on their in and there is nothing they can do. I sent screenshots of my pending transaction and pending daily cash to Apple. They said there end reflects it has posted. Apple had me go through the steps of removing my card and re-adding to my wallet. A new issue popped up after this. Once I did the removal and re-adding, my XXXX spending changed. I took screenshots of my XXXX spending so I can show the changes. I talked to XXXX, XXXX, XXXX, and about XXXX other people. They kept transferring me and restarting my claim. I am wanting to figure out why the charges and payments are not adding up. No one is willing to look into this other than to tell me their end says something different.

Company response to consumer: Closed with non-monetary relief