BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2020, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender : Cardinal Financial Company Originator : XXXX XXXX, NMLS ID : XXXX State MLO ID : XXXX Issue : Spoke with XXXX on XX/XX/21 regarding a HELOC option. This was the starting point for my search for a HELOC and needed basic details about their product offering. Asked for general terms, rates, payback period etc. XXXX refused to assist unless I was willing to provide her my personal details so she could verify my credit score. I refused to provide this info as I was only looking for the details regarding her companies HELOC options. She repeatedly attempted to ask for personal details ( DOB, Social, etc. ). I reiterated my intention of not providing this detail until I knew what Cardinal could offer. She advised that if I was unwilling to let her run credit, she could not provide any HELOC details. Call ended and I eventually received a notice of credit denial from Cardinal. 

XXXX XXXX  actions were unhanded at best and her unwillingness to help unless she could verify my credit score was unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Parrish and Lebar, LLP
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Parrish and Lebar is suing me on behalf of XXXX XXXX. The debt is for XXXX that had to be done to remove a XXXX XXXX. The first XXXX the doctor claimed he couldnt complete due to XXXX which I was told an antibiotic would prescribed before XXXX to prevent this. Im being billed for the XXXX and use of facility. I have paid the bill for XXXX which was lower than the use of facility fee. They tried to garnish a company I dont work for with the wrong social security number on the garnishment. The first notice was sent to an old address. I didnt find out about the court date until 2 days before. I have tried making payments arrangements or settling to remove the lien place on my property they will not agree. Each month I make a payment the bill is higher due to them adding interest. At this point I will be paying this bill the rest of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX/ CAPITAL 1 OPENED XX/XX/XXXX XXXX. XXXX CAPITAL   1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX CAPITAL 1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX THEY MADE PAYMENTS ON THE ACCOUNTS UNTIL I CONTACTED THE POLICE DEPARTMENT AND CLOSED MY BANK ACCOUNTS IN WHICH WERE ALSO HACKED INTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a drone from amazon on XX/XX/2021 in the amount of {$1400.00} which later was determined to be defective and successfully returned back using the following tracking number they seem to not register within their system that was provided by their system. After Amazon reps have searching and located that tracking number : XXXX they have concluded numerous times they/amazon has received item in their fullfillment center. Synchrony bank continues to deny and state that the item was not returned and receiving communications from amazon that the item was never shipped. Apparently amazons system reflects another tracking number by XXXX which isnt the one they have provided at the time of shipment. It is now been several months and numerous complaints with this agency and severe damage to my credit report and both companies refusing to provide a resolution other than stealing my money, damaging my credit and/or returning the merchandise. Synchrony says amazon has refused the dispute while in the same sentence providing the tracking number I mentioned above proving that it was returned, but Synchrony, denying my claim without investigating that tracking number. Requiring me to keep reopening an investigation that takes 90 days and it is now 5 + months and no end results. Amazon says they refunded the money, synchrony says the disputed with proof that you have returned it successfully while not resolving. I have several complaints against synchrony regarding this same issue and its not being resolved. They keep either falsifying statements with your agency or who ever and closing this case out. This matter has not been resolved. While I keep being told wait some more, wait some more, wait some more and then the case gets ended with unable to help with transaction. This is now criminal and fraudulent no longer an accident or negligence.

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 2018-12-31
Company: Experian Information Solutions 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:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

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 2019-10-31
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019, my car was totalled. I informed the loan company that the insurance company will be sending them a lump sum payment of over 16,000. I told them to not.take the payment set up for the XXXX. The tepresentarive was nasty about it because I did not have a date when that payment would be sent from the insurance company. I told her I was injured and not able to work and tbe payment will not be in the account. Today, XX/XX/2019, the payment was submitted and it bounced my account. I have to reverse this payment and my account is XXXX in the hole. I told them.2 weeks ago not to.take.the payment. I cancelled that transaction.

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 2021-05-20
Company: Williams, Rush & Associates, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is NOT a request for verification or proof of my mailing address. I am requesting that Williams Rush and Associates provide me with competent evidence that I have any signed binding contract giving Williams Rush & Associates legal obligation to collect and alleged debt.

Without any prior written notice from Williams Rush & Associates, my credit was adversely impacted. If this agency continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark from Williams Rush continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against Williams Rush & Associates.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: Adler Wallach & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA Collections is illegally reporting to the credit bureaus. I sent them a 93A Demand notice requesting removal from my credit reports and informing them of MA laws which they were violating via certified mail XX/XX/2019. ( MA General Laws 209 CMR 18.17.Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' As well as 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act to engage in the following practices to collect or attempt to collect any debt : ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor ''. AWA us a debt collector. They are not a creditor. They are not allowed to report to the bureaus. 
They failed to remove this account from my reports or address my correspondence whatsoever. I disputed this account with the credit bureaus. AWA claimed they are not subject to MA laws. 
XX/XX/2019 I sent a second notice. They failed to reply whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX2021 i sent a certified mail to this agency to validate this debt, they failed to do so. 
violation under 15 USC 1692g. its been over 30 days and since i am the original creditor and i do not validate this debt or have any signed contract of my signature that this alleged debt in fact exists. I want this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX  Account number : XXXX The notation of the late payments is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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.

The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days.

I will assume that I have not received your reply because you have been unable to verify this information. Please update these late payment for XX/XX/2022 and XX/XX/2022 to PAANL ( Paid as agreed, never late ) at once.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-05
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a statement approximately XXXX XXXX that there was an escrow shortage {$110.00} and to pay to prevent monthly payment increase. I made this payment earlier in 2021. I called XXXX XXXX and was told by XXXX not to worry because I nolonger have a shortage. 
XX/XX/2021, I am notified that I have a {$150.00} escrow surplus and that my monthly payment will increase approximately {$6.00} for escrow tax and {$150.00} will be mailed to me??? I spoke to XXXX who says it's a federal law that the surplus can't be applied to escrow and has to be mailed to me and that I can't return it saying apply to escrow because of federal guidelines. Also if I did mail it back to them it would simply sit in my account and not be applied anywhere. 
He also says it serves me no benefit to make additional escrow payments, he specifically said for me as if my situation is different from other lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-05
Company: Park Hill Holdings
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: Old information reappears or never goes away

Complaint:
Hello, there is an eviction from XXXX XXXX XXXX, dated XX/XX/2016, and is filed 2 times in the same month. One is dated XX/XX/2016 and XX/XX/2016. I recently emailed the Property Management for the complex to see if there was a balance owed or left behind and there was not. I was then directed to XXXX where I was told I dont have an open account. Im now looking to move and I keep getting rejected because of the information. Please assist with removing this information as I was never evicted nor do I owe a balance. Thank you. 

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 2023-05-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 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 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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. 

XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is 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 non-monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation