BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX Please provide me with a contract and my hand written signature showing that I owe you for this debt. If I owe this debt it is with XXXX and not you guys. I demand you to remove this from my credit report or show me a binding contract between you and me with my hand written signature that I have any obligation of paying you for the debt. I also want a hand written signature from XXXX showing that I owe them this debt. If this can't be provided I expect this to be removed from my credit report with in 30 days. A photocopy of a contract will not be substantial evidence as I need the original contract to prove that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Primary Capital Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Primary Capital deposited my loan payment on XX/XX/XXXX. Primary Capital then sold my loan to XXXX XXXX, XXXX. My loan payment was never applied to my loan with neither company. I called Primary Capital on XX/XX/XXXX and was told to email proof of the deposited check. I emailed Primary Capital 's customer service department on XX/XX/XXXX a copy of both the proof of payment as well as the deposited check by Primary Capital. I called Primary Capital onXX/XX/XXXX and was told that a refund was being mailed to me within two weeks. On XX/XX/XXXX, I spoke with another Primary Capital representative that told me a refund was not possible and that Primary Capital applied my payment to the wrong loan. The representative said they had were having trouble getting a response from XXXX XXXX XXXX about sending my payment. I requested escalation of my issue and got a call from another representative of Primary Capital onXX/XX/XXXX. I was told that my issue would be resolve within 10 business days and that I would receive an email confirmation that my issue was being resolved. I have never received any type of email from Primary Capital. I called XXXX XXXX XXXX on XX/XX/XXXXand was told that they have never received any communication by Primary Capital and that they were lying. My payment has been deposited for more than 60 days and has yet to be applied to my loan. I have received no responses to my 3 emails sent to Primary Capital 's customer service department. I have received no communication from Primary Capital that a mistake was made by applying my payment to the wrong loan and that they were working to resolving the issue. I ca n't get a response from Primary Capital and my payment was deposited but not applied to any loan. I ca n't get a refund or any type of resolution or even communication from Primary Capital. Please help as I have no other options for assistance.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on Transunion. XXXX  inquires on XXXX credit report. XXXX inquires on 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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation Of debt and verified the said debt with the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine it has since been removed from there records and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record as well as documentation received from the courts. The documentation from the courts was sent in a dispute via certified mail. I was also informed on the same call that they DO NOT Request validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it!

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 2017-11-07
Company: DISCOVER BANK
State: NY
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:
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently received a letter from XXXX XXXX  ( today XX/XX/ ) indicating that my mortgage has been transferred to XXXX XXXX from XXXX XXXX  XXXX. The letter is dated XX/XX/, but it says that my transfer date is effective XX/XX/. Today I also received a letter from the original servicer and an email confirming this transaction. 

However, I am under the impression that I was supposed to be given at least 15 days notice of such actions, but this is less than that. Is this allowed?

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 2018-11-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every year I request my " FREE '' annual credit report through XXXX XXXXXXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to Equifax and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted both the collection agency and XXXX XXXX where the bills were incurred. So, I contacted XXXX XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and uploaded the proof I have from NC State Medicaid stating that I indeed had Medicaid at the  times. So, they stated that I didn't show my Medicaid card at the time of the procedures, which two were done at XXXX XXXX Hospital and the one that was deleted was done at their facility, which is not true, because all the years that I've had Medicaid, I have never forgotten to give my card to the health provider and Medicaid can attest to this, because we have never encountered this problem before. Medicaid stated they were not going to retract and pay because the provider didn't submit the bills in a timely manner and it wasn't my fault that they didn't do so. So, I contacted the credit bureaus and gave all the information to all of them and disputed the the charges. They deleted one of the bills, but not the other two. So, I called XXXX when I received the results and asked why only one was deleted and they stated that they didn't know why and for me to call the collection agency and that I should contact Consumer Financial Protection Bureau, if I couldn't get it resolved after talking to the collection agency. So, I called and to their surprise they had no idea that one had been removed and that I needed to pay the bills, so that's when I called CFPB.

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 2017-11-07
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a Protected Class Member of the XXXX XXXX XXXX XXXX XXXX. This debt is not mine ; it is a matter of Identity Theft.

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 2017-11-07
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The creditor known as Continental Finance, XXXX, and/or XXXX has reported inaccurate information on my credit reports. The creditor mentioned above reported my account with them as being 30 days past due in the month of XXXX XXXX. This information is incorrect because I made a payment of {$250.00} on XXXX for recent charges to my account that were not yet due. The only charge on my account that was due on the XXXX due date was a {$10.00} fee " MONTHLY MAINT FEE XXXX DE ''. This is confusing because I pay an annual fee to cover the servicing of my account already. In any event, the {$250.00} payment should have covered this fee. This payment was withdrawn from my checking account by XXXX XXXX on XXXX, but was not applied to my account with them. It is also worth noting that I also made a payment in the month of XXXX. I 've contacted them via phone about the 30 day late on my account and was given a mailing address. I sent correspondence via certified mail on XXXX XXXX, XXXX, XXXX, but got no response. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. On XXXX/XXXX/XXXX I sent letters out to the credit bureaus disputing the 30 day late. The creditor " validated '' the accuracy of the 30 day late with the credit bureaus. The creditor then sent me a letter requesting proof that I made the payment. I then got a print-out from my bank showing the debit from my account by XXXX XXXX confirming what I told them previously. I mailed it to them on XXXX/XXXX/XXXX, XXXX. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. I 've received no correspondence from them as of today. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this issue rectified. I am most appreciative of your services and look forward to working with the creditor to get this matter resolved.

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 2022-08-09
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 2020-11-13
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: Investigation took more than 30 days

Complaint:
XXXX, Transunion and XXXX  have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2018-11-08
Company: EQUIFAX, 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:
On XX/XX/XXXX I wrote to Equifax asking them to verify an account ( XXXX XXXX XXXX # XXXX ). They never verified the account and in fact responded that the account was not found on my credit report although I have proof that it was and still is reporting. I wrote a second letter in XX/XX/XXXX asking them to verify the account and included my current credit report with the account circled to show that the account is reporting and they responded " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. Please be advised that a 7 years extended fraud alert is currently reporting on your credit file. '' This is bogus because as you can see in the attached letter to Equifax, I was very specific and listed the name of the alleged creditor ( XXXX XXXX ), account number ( XXXX ), and the nature of my dispute ( PLEASE VERIFY AND PROVIDE METHOD OD VERIFICATION ). I am convinced that they can not verify this account, thus they continue to send me dunning letters. This is a direct violation of the FCRA and my Consumer Rights and I want this account thoroughly investigated with verification and the method ( s ) by which they verified. If they can not do that, it needs to be removed. I have perfect credit with XXXX and XXXX and have never had reporting problems with them. Equifax already has proven themselves to be untrustworthy among consumers and businesses alike with their data breach last year and I am convinced that they are not doing the right thing and it needs to be brought to light.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
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:
Transunion for over a year I have protested this alleged account and not once has it been verified in writing to me. I have not received confirmation on how you have verified the alleged account attached in exhibit C for over a year The CFPB has all records of this case, and therfore request that you consider this a final notice to your office s. past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting .there should not be a wait and see response it is factual statement to CFPB to remove alleged account. there is no need for a 60 wait with the documents enclosed I'll give you 5 business day as of XX/XX/2019 to remove this alleged account burden of proof is on my side and violations on yours I have not received conformation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it to reporting accurately.Therefore, you are to present to me with certification in testimony that the alleged account presented in Exhibite C are in fact in compliant and not subterfuge?

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 2019-05-23
Company: Uber Technologies Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2019 at XXXX {$24.00}, at XXXX {$11.00} from XXXX was deposited into my XXXX XXXX XXXX  debit card. Uber i NOT ALLOWING ME ACCESS TO THE ABOVE MENTIONED FUNDS IN ADDITION TO FORCING ME TO USE A PAY DAY LOAN ;, WHICH THEY CALL A 'LINE OF CREDIT FOR THE AMOUNT OF {$100.00}. I NEVER HAVE ACCESS TO ACTUAL CASH BECAUSE THIS PAY DAY LOAN TAKES ALL OF MY MONEY.

I HAVE ASKED THAT THEY REMOVE THE PAY DAY LOAN AND THEY REFUSE. THE REQUIREMENTS TO RECEIVE THE PAY DAY LOAN IS 70-80 RIDES. I WORK PRIMARILY FOR THEIR COMPETITION XXXX  BECAUSE THE DEBIT CARD HAS MY SOCIAL SECURITY CARD NUMBER ASSOCIATED WITH THE DEBT CARD. UBER TREATS THE CARD LIKE A " PAY ROLL CARD'.. DRIVERS ARE INDEPENDENT CONTRACTORS 1099 NOT W2 EMPLOYEES.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08
Company: Action Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received several letters from various Debt Collection Agencies regarding XXXX XXXX University. I have reported many of them previously and have had my income tax refunds taken regardless. 

I recently received yet another bogus letter, dated XX/XX/2018, from an agency calling themselves Action Financial Services , LLC demanding a sum of {$12000.00} for XXXX XXXX University. On XX/XX/2018, I contacted the number listed and spoke with a XXXX XXXX and then a XXXX XXXX, who advised me they were actually from XXXX, an agency that previously tried to extort money and that I previously reported since they did not answer phones nor set up payment arrangements. All they did was threaten lawsuits and to withhold income tax refunds. 

For the past two years, my income tax refunds have been withheld by various fraudulent agencies and I am still receiving threatening and abusive letters. I requested proof of the debt and received paperwork that does not reflect any funds already taken. 

I am tired of the threats and disgusted by the corrupt and fraudulent actions by the agencies involved in addition to the US Department of Education and the IRS. 

In this case, XXXX, is not only harassing me they also admitted doing it under another company name of Action Financial Services , LLC. The debt amount can not be correct nor do I trust a " debt collection agency '' that does not answer their phones, does not set up payment plans and does not have an accurate amount. 

The education from XXXX XXXX University was never received. There is no completed degree. My Income Tax Refunds have been taken repeatedly yet I am still getting threats from several different agencies and for different amounts.

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 2019-01-09
Company: JPMORGAN CHASE & CO.
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 I noticed that there was a charge for {$160.00} on my debit card that I had not authorized. It was to a XXXX store that I had little to no history of shopping at. I also was not in the XXXX area that day, making the purchase virtually impossible. 

I immediately called Chase bank and was forwarded to the claims department, where it was determined that my debit card had been compromised. I have been told by numerous people that this is a possibility, even with a chip card, and it is not uncommon for this to happen as a result of using your debit card at a gas station. Chase cancelled the card, said they would be sending me a new one, and refunded the money to my checking account. To my understanding, the issue was solved. 

On XX/XX/XXXX, without contacting me to give an explanation as to why, Chase suddenly withdrew {$160.00} from my account. When I reached out to the claims department, they stated that this was because I lived in the same city where the purchase took place and because the card had a chip it would have been " virtually impossible '' to compromise. Clearly, this was not the case. My card was compromised. 

Not only did Chase refuse to refund the money, they suggested I launch my own investigation utilizing cellphone pings. When I contacted my phone provider, they were unable to provide me with this information. 

I have only filed one other claim with Chase, ever, when an ATM machine did not accept my money and the matter was quickly resolved. The debit card was cancelled immediately after I discovered the error. I have no history of shopping at the vendor. I don't even know what was purchased, nor do I have any receipts to prove it.

Most frustratingly - when Chase pulled the money would of my account, it triggered an overdraft fee. I am currently left without money to buy food, gas, groceries, or anything related to basic needs.

Company response to consumer: Closed with monetary relief