BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: CCS Financial Services, Inc.
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX This account is reporting negative and I paid it already Credit collection services XXXX These are reporting wrong information My name is wrong XXXX XXXX is not my name XXXX XXXX XXXX never lived there

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In Ref. to CFPB No. XXXX, Mr. XXXX previously complaining of XXXX unauthorized credit inquiries which were appearing on his credit reports TRANSUNION responded that " [ y ] our written authorization may not be required '' to run your credit and " specific consent to the release of your credit information is not necessary '' and therefore closed the case. Later on, XXXX new credit inquiries that has therefore increased total number of unauthorized report inquiries to XXXX. According to TRANSUNION if complainant has any objection about using his credit reports he " may wish to contact the creditor directly. ''

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act ( 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is the second time I have written about the mistreatment of two companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they generated me a bill during a medical consultation a year ago and the bill was sent to Midwest Debt Collection. without ever being sent to my insurance or to my address to be able to pay that debt, my credit was severely damaged. Then Midwest Recovery Systems, knowing of the rush to repair my credit score, used the tactic that if I paid it out of my pocket, they would repair my credit faster to buy the house, then paid, that was a serious mistake I made, because my credit wasn't repaired faster and I have to pay much more for the mortgage of my house for eleven long years since I had to qualify for an HFA loan due to bad credit score even though I gave more than twenty percent of the mortgage because.

Now trying that the bill that was generated a year ago be sent to my insurance to recover some of the money, I have been mistreated by both company, XXXX XXXX XXXX XXXX says that that is not their problem, that it is a frequent mistake and that they do not have the fault of what happened and that they sent the debt to Midwest Recovery Systems and Midwest Recovery Systems says that that account is closed and that they no longer have anything to do with it. 
then I wonder Who can defend us from these abusive practices used by this company against citizens? 
What should I do to claim my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2018, my {$650.00} student loan payment was spread across the seven loans I hold with Navient in the following way : XXXX Direct Loan {$41.00} XXXX Direct Loan {$45.00} XXXX Direct Loan {$46.00} XXXX Direct Loan {$55.00} XXXX Direct Loan {$59.00} XXXX Direct Loan {$150.00} XXXX Direct Loan {$250.00} During the months of XXXX  and XXXX, my payment was distributed in this way : XXXX   Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX   Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$650.00} As of XX/XX/2018 I had accrued {$460.00} of unpaid interest. As per federal law, loan servicer companies are required to apply all payments in the following manner : first to outstanding fees, second to accrued interest, and finally to the principal balance. For the past two months Navient has been negligent in following this federal requirement. At no time did I request a change be made to how my payments are applied. It should be noted, though, that in XX/XX/XXXX I did do research about how to apply for income based repayment schedules with Navient 's loan repayment too. I am not sure that these are related, but wanted to disclose this activity in the event that it was misconstrued as a desire to change my payment allocations. I emailed the company about this situation and did a follow up phone call when my email was not answered correctly. When I called, the person on the phone told me initially that the payments had been disbursed appropriately. When I told her that this was not reflected on my end, she looked again and let me know that I was correct. She said that the reason these payments had gone solely towards loan 11 because I was ahead of schedule on payment and that the payments for XX/XX/XXXX and XX/XX/XXXX were over payments and that was why they were disbursed as such. I asked her why the payment application had changed and she could not give me a definitive answer on how the payment allocations had changed or why they had changed. She was able to change the allocations back to how they were before and gave me a date as to when my past payments would be reapplied properly ( XX/XX/2018 ). As I continued to ask about why the allocations were changed, I was disconnected from the person from Navient and my call was forwarded to a survey about my experience.I 'm not sure if this was accidental or on purpose. XX/XX/XXXX has come and gone and these payments have not been reapplied, and the record of those payment allocations have disappeared from my online account. I received only a message from Navient confirming the amount of money I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Credence to understand this alleged debt. They have failed to provide any proof or contractual agreement with my wet signature showing that I indeed owe this debt. There were two dispute letters sent in XXXX and XXXX of 2020 and one validation letter sent out this year asking for documentation of this alleged debt. they continue to report negatively on my credit report but as of yet honored my request. They sent a letter in XXXX offering a discount settlement but they have not sent my any documentation of this account. I found this to be very strange and fraudulent. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-05-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage is acting in bad faith on a real estate transaction, being criminally negligent regarding a financial matter and illegally inflating property values for the purposes of acting as a foreclosure mill and deny borrower legal right to avoid foreclosure as afforded by CA Homeowner Bill of Rights On XX/XX/XXXX Shellpoint Mortgage advised that their property value on this short sale request came in at XXXX. This value request was based on an agent they hired who is not a XXXX, did not do a property inspection nor did they research the property prior to visiting the home to check if there were any issues with the city against the home which in fact due to the age of the property there are. 

On XX/XX/XXXX we provided Shellpoint mortgage with the reasons why the property is not worth XXXX which mainly are as outlined below : 1. Major repairs needed as outlined on attached property inspection reports which impair the functionality of the home and must be fixed.

2. Docs from the city requiring work to be performed on the property due to the age of the home. Mainly the fact that the entire sewer system must be replaced due to city regs.

3. Foundation issues on the property as evidenced by reports and pictures. 
These are major issues which must be addressed and taken into consideration when considering value. A value dispute is SUPPOSED to review these issues. However Shellpoint DID NOT REVIEW any of the city docs nor did they review the property inspection report due to GROSS NEGLIGENCE and CRIMINAL NEGLECT when establishing property value. Instead the INCOMPETENT personnel that did the value dispute ONLY reviewed comps which were NEVER the issue. The issue is and has been the major damage and CITY required REPLACEMENTS which GREATLY IMPACT the value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Bread Financial Holdings, Inc.
State: TN
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:
Dispute hard inquiry Discovered that hard inquiry reported on my XXXX credit report made by COMENITYCAPITAL/XXXX  on XXXX 
I have attempted to reach this company, but I was unsuccessful. 
I did not apply for any credit with COMENITYCAPITAL/XXXX, I dont know who this company is. I request this inquiry to be removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 has violated my rights under 15 USC 1681Section 602, states : I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I wrote a letter to Professional Adjmnt Co. asking them to validate the debt they stated that I owed them and they merely sent me a one page letter with a balance indicated without any information as to what this debt was for exactly. 

XX/XX/XXXX I advised them that they should not continue reporting this account without properly validating the debt. 

XX/XX/XXXX I notified them that they are violating the laws by not sending me necessary proof that the account belongs to me and that they in fact have a right to collect the debt. 

XX/XX/XXXXI took a closer look at my credit report and noticed this collection appears to be re-aged it's reporting XX/XX/XXXX( XXXX  ) and XX/XX/XXXX ( XXXX  ) which I am mistaken is a violation as well. I notified the bureau of this potential violation and the account continues to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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 XXXX XXXX XXXX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-26
Company: EQUIFAX, INC.
State: NJ
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:
These account does not belong to me. It was was opened XX/XX/2020. 

XXXX Account number unknown. 

Equifax was made aware over 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing regarding my attempts to receive an annual credit report, and to place a security freeze on my credit information with TransUnion. Regarding both XXXX XXXX XXXX, I was able to accomplish both of these tasks on line quickly and easily. 
However, with TransUnion I have been totally blocked from both receiving an annual report and with placing a security freeze. On XXXX and again on XXXX I attempted to use the online service, XXXX to receive my annual reports. When applying to TransUnion, I was told repeatedly that my application was blocked due to high volume. After several tries, I was told that I had received my report already. ( I have not received a report ). Today, XXXX, I attempted to place a credit freeze on my data. Again, with XXXX XXXX XXXX I was able to accomplish this easily on line. At the Transunion site ( transunion.com ) there was no discernible link to place a security freeze. When attempting to reach them by phone, I was repeatedly disconnected. On their website I was directed to set up an account, later I came to understand that I would be charged {$19.00} per month for this, and immediately cancelled the account. Clearly, TransUnion is only interested is selling useless products, not in providing the simple info required by law.

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 2017-09-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase made XXXX XXXX 2017. 
Terms of the purchase were not fulfilled by the merchant [ name redacted ]. I contacted the merchant and asked for an invoice -- he never sent one -- or proof that he had fulfilled some part of the terms of purchase. He did not do so.
The purchase I made was not delivered, so I am requesting charges be reversed. I sent a letter from another similar merchant ( attached, ) stating that this merchant 's behavior was not standard, not ethical and that charges should be reversed. Chase had requested this letter from me.
Only response from Chase was " we called the merchant. We 're not reversing charges. '' Did not justify this position. Did not address anything in the letter I sent from the other merchant. Did not say why they believed the merchant [ name redacted ] was justified in the charges or what they discussed with merchant [ name redacted ] that contradicted my letter from other merchant.
The letter from Chase informing me of their non-action was sent by XXXX XXXX XXXX. 
I also have a Chase bank account and Chase private client member and this customer service is unacceptable and substandard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for Loan Modification on XX/XX/XXXX. Sent additional documents on XX/XX/XXXX. Called XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to follow up. Was told that file was marked complete on XX/XX/XXXX. 

My hardship finances started before XXXX. Received forebearance during XXXX but had difficulty since i XXXX XXXX, my employer, reduced manpower 30 % for XXXX. Also I had to place my mom, co-owner of the mortgage, in assisted living XXXX, XXXX due to her health and falls. She had XXXX XXXX XXXX since XXXX. I am able to take care of my mom and not have her in assisted living which will allow more income to pay for the mortgage. 

I have a foreclosure date of XX/XX/XXXX.

Company response to consumer: Closed with explanation