BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Early XXXX I contacted the company in regards to XXXX bankruptcy that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove 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 non-monetary relief
Consumer complaint received 2020-01-03
Company: ProCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the course of about 2 1/2-3 weeks in XXXX, I received constant repetitive calls from Procollect Collections Agency. I have had to block the number from my phone as a means to stop constant calling due to the interference of these calls in my personal and academic life ( I am a student and was receiving these calls at different periods throughout the day ). These calls are repetitive, annoying, and I am being harassed by the employees of Procollect. Additionally, I never received any kind of mail/validation of debt from Procollect and was not made aware of my right to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: PA
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:
Early XXXX I contacted the company in regards to XXXX bankruptcy that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, 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 XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Long & Foster Financial Services, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a system-wide problem. It is impossible for a buyer to get a Loan Estimate from a lender- unless the buyer makes an application for a mortgage.

Check it out.

Go on-line - try to find rates on-line for a 30-year mortgage without making an application. 
When consumers make applications, the Loan Estimate in buried deep in a pile of other forms the lender forwards to the borrower. 
Everything must be e-signed, and the borrower has little idea what they are doing. The lender will not provide a XXXXoan Estimate without a full application, and the borrower can not " shop '' for a mortgage.

The Loan Estimate invariably contains a " sample '' interest rate that is not locked, and that a buyer can not lock. 
With rates going up, borrowers will get hammered by lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This complaint is with NC State Employee Credit Union. Around 2013 I was bit by a spider and suffered a XXXX. Before this, I was never late on payments because my vehicle was auto-drafted out of my account at the end of every month which is when I was paid. When my mother who was my aide at the time due to my XXXX called the bank to try to activate the insurance I had to the bank in case of loss of job and XXXX. And the bank never activated that. They were rude at the time. I could not walk or see let alone drive My mother explained that. I was not given a payment plan or anything to catch up with. I was in financial hardship due to piling medical bills and the medicines and therapies I had to take. At that time I did not know my vehicle was getting repossessed as i never got a letter or call or anything about it. The vehicle was taken at XXXX XXXX in morning. I did not know that I had a balance left on the vehicle until I got a judgement placed on my credit report. for {$7200.00}. I have never heard of anyone being taken to court on an auto loan and not being informed of when it was to occur. They got the vehicle back. I don't feel that it was fair to have a judgement put against me. I have knowledge of other people getting repossessed by the bank and this not happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Mandarich Law Group, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I opened a credit card with XXXX XXXX company which gave me a limit of {$1500.00} dollars around XXXX in the account statement there were XXXX transactions made that did not belong to me when I realized I contacted XXXX XXXX customer service notifying them the transaction that I did not recognize as mine they told me that they were made at XXXX XXXX in XXXX FL at that time I lived in XXXX FL transactions were clarified at present I am being sued by a collection agency Mandarich Law group , LLP which charges me a lot {$2000.00} the XXXX XXXX account was closed over 4 years ago I have explained to the collection agency what happened in the past they ask me for a police report of identity theft I currently live in XXXX GA when I went to the station police notified me that they could not make a report of something that happened in FL in XXXX, all this was explained to the collection agency but they still continue to charge. in which all this had been resolved but apparently it was not so I was a victim of fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This company is getting away with WILLFUL NONCOMPLIANCE OF Federal laws and CFPB is supposed to regulate these crimes so I will report these violations every day that they occur just as this Credit Reporting Agency is continuously breaking the law. This is the way I am reporting them.

15 USC 1611 Whoever willfully and knowingly give false or inaccurate information or fails to provide information. Each violation is {$5000.00} or imprisioned not more than one year. 

I called Transunion on yesterday and spoke with XXXX in the Fraud Department and she told me on HER recorded line that they did not have to follow the FCRA law. Although I told her that no company policy is above FEDERAL LAW she still stated it again. 

15 USC 1681b states that any person furnishing a consumer report must have written instruction from the consumer in which it relates. Meaning they should not be reporting any of the items attached to my previous complaints with out my consent which they DO NOT HAVE.

How are they just openly able to violate the law? 15 USC 1681C-2 states, " not later than 4 days after the date of receipt by such agency '' Ive sent in all of the documents that are required under federal law to get these items blocked and the company keeps responding with a 30 day wait period. This is extortion of my credit! I as a consumer have rights that are protected by congress. They were written because companies like you have a history of taking advantage of consumers. I am willing to get a consumer lawyer and come after the company for damages as well as all the fines attached to each month and day I was violated. 

Its easier for the company to simply comply with the laws.

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 2022-12-10
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 am intrested in disputing all unauthorized information on my credit report with transunion. checking my file ive noticed alot of invalid data in my file. please update the information correctly.

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 2022-08-17
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: MA
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:
Equifax announced a breach that exposed my personal data - resulting in numerous occurrence of identity theft which cost me in excess of $ XXXX in fraudulent charges. On XX/XX/2022, I submitted a claim form for the Equifax Data Breach Settlement. As of XX/XX/2022, I have not received any correspondence or update regarding the settlement regarding its status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Home Loan Center, 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:
Received a letter from XXXX XXXX XXXX that I was denied for a loan of XXXX that I did not apply for. When I called they told me they received my application from XXXX XXXX. I did not consent for a hard pull from my credit report, and I did not apply for a loan. When I attempted to resolve this with XXXX XXXX XXXX they refused to help. When I wanted to dispute this, they would not transfer me to the disputes dept and stated they would see if they could find someone that wanted to talk with me. 

The application they received was from XXXX XXXX, who received the information from XXXX XXXX. I did not consent for a loan application on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 has violated my rights. under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15USC1666b 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 2022-12-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-01-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm uncertain if paypal is a digital wallet or store credit. I can add value and subtract from the paypal account which is tied to my banking accounts and credit cards. I also have " paypal credit ''. I am having issues with paypal credit. Paypal is intentionally misleading and makes it difficult to get to a feature that you can pay off any special financing/promotions. They advertise across multiple online stores and establishments words such as " free financing '', " free financing for one year '' ... or so on. If a customer wants to look at the balance of each financed item, they are redirected to another site which I believe has been recently taken over by Synchrony Credit. There is nowhere on the Paypal site or the Synchrony site that allows the customer to choose how they want their special financing payment applied towards those Paypal promotional purchases. You have to call, wait on the line, etc. to get to an operator and even that is difficult as we all know that companies don't want to talk to their customers anymore. It is obvious that not allowing the customer easy access to pay off special financing is a benefit to Paypal because of the interest or share they get from Synchrony and a benefit to Synchrony from that same interest but there is no benefit to the consumer. And the " 24hr chat '' is XXXX. It is a virtual assistant.

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 2023-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

Company response to consumer: Closed with non-monetary relief