BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: R & B Corporation of Virginia
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this  Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this  account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX XXXX  # 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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tracking number : XXXX. 

Damaged goods/package, that was scheduled and paid for to be shipped from the US to XXXX in XXXX. It was never ever received or delivered to the recipient, instead retained to the US after 1 month totally damaged, broken and fallen apart, while XXXX is trying to now charge me a the returned goods. The cause me damages for over {$3500.00}. Sending over 10 emails, placing phone calls and formal complains, the reps hang up on me and totally disregarded the issue. I want to sue them for damages and for them stop collecting on something that they are actually responsible for!! Now XXXX is send {$1600.00} to the collection agency by name Transworld Systems and trying to collect on the shipping charged than I never asked for and for the package that was damaged.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was damaged due to Hurricane Ida. I am currently displaced in Texas. Carrington placed me on forbearance from XX/XX/2021 to XX/XX/2021. Per my desk adjuster, the repairs will take at least 8 mths. I would like to apply for HAF. I have called many times and still no answer. Only Robotic ... press 1,2,4,5 etc ... How can I apply?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Nevada Credico, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Quantum collections is reporting that I owe a debt to XXXX XXXX XXXX XXXX on my credit reports. It is a debt that is not owed due to my family being XXXX XXXX military. XXXX XXXX XXXX XXXX   was provided with a copy of military orders in XXXX and again in XXXX. Quantum stated in XXXX that this debt was validated and refused to remove it or show proof of the validation they received. Ive asked multiple times by phone and have since disputed with the credit bureaus. I have also emailed the CEO of XXXX and Quantum collections customer service. Under the service member relief act, I would like this debt removed from my credit report. I would also like is removed due to the fact they have yet to provide me with the validation I requested months ago.

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 2019-11-08
Company: SYNCHRONY FINANCIAL
State: TN
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:
Subject : Cash earned or built up from Walmart Discover Card  ending in # XXXX. This card was originally managed by G.E. Capital Retail Bank until it was transferred to Walmart Master Card ending in # XXXX and managed by Synchrony Bank. My current Walmart credit card # XXXX was originally managed by Synchron Bank, but is now managed by XXXX XXXX. 

The last statement I ever received from Credit Card # XXXX with a closing date of XX/XX/XXXX showed that I had a cash earned balance of $ XXXX. This credit card built up cash from month- to -month as my previous statements show. ( I have all of the statements ). I received a postcard in XX/XX/XXXX saying this Walmart Discover Card was changing to Walmart Master Card and could not be used after XX/XX/XXXX. This Credit Card # XXXX had been managed by G.E. Capital Retail Bank until Synchrony Bank took over in summer of XX/XX/XXXX. The new Credit Card became Walmart Master Card # XXXX managed by Synchrony Bank. I have this Credit Card ending in # XXXX which was valid through XX/XX/XXXX as shown on the card. Nothing was mailed me showing me that my cash of {$1.00} was transferred to the Walmart Master Card # XXXX. 
I have spoken to XXXX, Supervisor, @ Synchrony @ XXXX on XX/XX/XXXX. She said things had been transferred to XXXX XXXX, and it was XXXX XXXX 's problem. I spoke to XXXX, Supervisor, @ XXXX XXXX XXXX on XX/XX/XXXX. She said it was Synchrony 's problem -- not XXXX XXXX 's.. 
I have asked each of the above Supervisors, XXXX and XXXX, to transfer my {$1.00} to my current Walmart Credit Card # XXXX as a credit or mail me this amount. Neither of them agrees to do this. 
Synchrony Bank should have notified me back in XX/XX/XXXX what was happening to my {$1.00}, but they did not.

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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, there was an unauthorized transaction of {$410.00}. The next day, We told bank of America immediately that it was an unauthorized. After their investigation they said that it was a valid transaction. I am extremely upset because the name that was on the transaction is not anyone I know, and its definitely not me. Its been 4 months and Bank of America is refusing to give me my money! They closed the case and basically told me that there was nothing they can do. We have been with Bank of America for 21 years, and this is absolutely disgusting.

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 2020-07-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amazon requested a copy of any government assistance program card in order to give discounts on item prices and services such as prime. I sent a copy of my XXXX card on XX/XX/2020 and after 30 days of sending them my XXXX card I still have not received any benefits from sending them my XXXX card, however, exactly one month after they received my XXXX card the Amazon Synchrony Store Card lowered my credit limit to 25 % of what it was before ( from {$400.00} to {$100.00} ). They claim that I was late twice on the card and that this was the reason they lowered my balance, however, in the last month I have almost paid off the card and also I have signed up for auto payments as to not miss any deadlines. I strongly feel that the company is discriminating against me because I have XXXX. They secretly are screening people to lower their credit limits just based on whether they receive government assistance. My credit score is higher than when I initially received the card from them with a {$650.00} credit limit, and on my credit report I have no late payments. 

I want them to restore my credit limit as I was trying to keep my credit balance to limit to balance ratio below 30 % as to improve my score even more and suddenly they lowered my credit limit therefore increasing my ratio suddenly and without my knowledge. 

I request to have my credit limit set back to {$650.00} or at the very least {$400.00}.

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 explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: OH
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 sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 this creditor ( Capital One ) has violated my rights under 15 USC 1681. In section 602 it states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About 2 years ago, XXXX/Loan Care purchased our home mortgage from our original lender. The transition was an absolute nightmare where we couldn't get a hold of anyone or even make our monthly payments. This was resolved after a few months of trying. 

Fast forward to pandemic times. We were approved for their forbearance program during the pandemic. We were promised numerous times via phone calls and emails that we would be getting paperwork for a deferment, and it was explained that we would be able to add the deferred amounts to the END of our loan. This was confirmed via phone calls and emails from Loan Care. 

We've called numerous times for the paperwork that they promised they would send on a few occasions, and we are now told ( now that our grace period is coming to an end ) that they are now denying our " approved '' deferral and we must pay in full the deferred amounts, which is impossible and against everything they have promised this whole time and what was agreed upon. 

We also just received a notice of foreclosure if we don't resolve everything within 30 days. This is an absolute scam and sham. The last person we talked to from Loan Care said they can deny this for no reason and " just because ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector called XXXX XXXX XXXX XXXX is garnishing my employment wages for {$16000.00} for a debt that is definitely not mine. The judgement is dated XX/XX/2010. Case XXXX. Please help this is not my debt! I have been monitoring my credit for many years and this is not even listed there. I am filing for a hearing with the Municipal Court to have this removed.

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 2019-11-08
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had called Navient several times from XX/XX/XXXX-XX/XX/XXXX to try to lower my monthly payment for my student loans. The resolution given to me was always to choose forbearance and without being very knowledgeable about the interest that would accrue or what my other options were I agreed to the suggestion of Navient representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 fair credit reporting act The list of accounts below have violated my federally protected consumer rights to privacy and fidentiality under 15 u.s.c 168 account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I receive a letter from collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.a.c. 1681 602a States I have the right to privacy 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c. 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681 ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing Any of the following items information any other advise items of information other advise Other than records of convictions of crime Which antedate the report more than 7 years 15 u.s.c. 1681-XXXX ( a ) ( XXXX ) A person shall not furnish any information Relating to a consumer to any consumer reporting agency The person knows or has reasonable cause to believe that the information is in accurate Please delate and remove asap

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 2021-10-19
Company: DHI Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/ - We signed a purchase contract for a new home with DR Horton. I provided a pre-approval letter with XXXX XXXX XXXX which is my current employer. I was told it is a DR Horton requirement to have all buyers pre-approved by their lender DHI Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, 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 was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with XXXX XXXX XXXX. I purchased this car in XX/XX/2012and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with XXXX XXXX. This is not true.I have several blemishes on my credit report from XXXX XXXX stating that I have not made a payment. I want these late payments removed. 

XXXX XXXX partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used XXXX XXXX to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to XXXX XXXX, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.

Company response to consumer: Closed with explanation