BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Credit Card Receivables Fund Incorporated
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. 
I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). Unifund CCR , LLC. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Unifund CCR , LLC. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). 
This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. 
Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692e ( 2-A ).

4 ) 15 USC 1692g.

5 ) 15 USC 1692a.

6 ) 15 USC 1692e ( 5 ).

7 ) 15 USC 1692b ( 2 ).

Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692c ( B ).

4 ) 15 USC 1692c ( A ).

5 ) 15 USC 1692b ( 2 ).

Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). 

I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX  account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX stating I owed {$1900.00}. On XX/XX/XXXX I called and made a payment arrangement to pay over 6 months- 6 payments in the amount of {$320.00}. My first payment was made on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the Oklahoma Tax Commission stating my {$490.00} tax refund was applied to my debt. I called to confirm they advised it was. I then asked if I now owed {$1100.00}, and I was told because of fees that I owed {$1300.00}. They refused to tell me what the fees were for or send me an invoice breaking it down. On XX/XX/XXXX I called to find out the total balance owed I was told it was {$1300.00}. I paid the full amount on XX/XX/XXXX and requested a letter be sent to me stating the the full debt had been paid. I received a letter on XX/XX/XXXX stating the payment of {$1300.00} had been applied but now I owe {$1000.00}. The total debt was {$1900.00}, I have paid them {$2200.00}. They are now demanding another {$1000.00} from me. I have proof of all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a Debt Validation letter to Paragon Revenue Group and the sign and received it in their office on XX/XX/2020. I received correspondence from them and they did not validate the debt. They sent me a lot of printouts with very personal information that violated my medical rights. ( HIPAA ) No release forms or anything showing I consented to any of this. I am appalled that this is the way they are practicing in their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a dispute in regards to incorrect items on my credit report. On XX/XX/XXXX an account was opened in my name as a result of identity theft. I have filed a report with the FTC XX/XX/XXXX and after their investigation this item has been deemed as a result of identity theft and has since been removed from my XXXX  credit report. The balance of this account is {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This week, I received a letter from Capital One dated XX/XX/XXXX informing me that my credit limit was being reduced " to better fit my card usage, '' meaning that I'm not using my card enough not spending enough money. Reducing my limit caused my credit score to drop immediately and without warning, a situation I would like to avoid during such uncertain financial times. 

I opened my Capital One account in XXXX and have never made a late payment. I pay my balance in full. As a loyal and conscientious customer for close to 20 years, I called today ( XX/XX/XXXX ) to request that my original limit be reinstated. XXXX, the customer service person I spoke to, was not authorized to make the adjustment and I requested to be forwarded to a supervisor, XXXX. She also was unable to reinstate my original limit. I realize that declining my request is within the legal rights of the company. I also realize that credit card companies value customers who make frequent charges and don't pay their balance in full, a lucrative combination. 

What I find unacceptable is that the company offers no further opportunity for any communication or arbitration on the matter. XXXX can escalate my complaint to " Tier  2, '' but she admitted that there is no chance that the escalation will result in any contact whatsoever from any representative of the company. She reluctantly and very politely conceded that no-one will ever call me back, respond to any written request, or consider any other circumstances. There is no reconsideration, appeal process, or opportunity to communicate further. There is not a single person I can speak to to address what I believe is unfair treatment, taking advantage of longstanding customers who are in need of financial security during this time of financial upheaval due to Covid. Capital One 's " mission to change banking for good by offering great products, services, and rewards to our customers '' is simply not true. A customer with a concern isn't permitted to even speak or write to a person in leadership willing to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-09-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt,  please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX. 

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

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 2019-08-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a modification of the first position mortgage and was approved for a trial modification. I am eligible for a permanent modification if I resolve the liens against the property. 

I have entered into a repayment agreement with Santander but they are refusing to issue me proof that they consider their lien subordinate to the XXXX mortgage. They stated that the nature of the lien makes it subordinate and they are refusing to issue a letter or email stating that they are subordinate. I have also sent a subordination form to them that XXXX has drafted and they refuse to complete the form. 

If I don't get any help with this, I will lose my home. XXXX issued a denial letter today stating that I was denied based on the fact that I have not resolved my lien.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2019-08-14
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had leased a vehicle thru GM Financial for 36 months, my account was on auto-pay and the lease was paid each month on time. On XX/XX/2019 i returned my lease to XXXX and wasn't told of any outstanding charges, Never received a bill or any correspondents i.e. Mail, Email, text, phone stating that i owe any monies. On XX/XX/2019 i received and alert from my credit monitoring of a delinquent account from GM Financial in the amount of {$600.00}. I immediately contacted GM Financial and was told two things one,  that the amount shown was and the correct amount was {$430.00}, a charge hidden in the lease agreement ( not transparent and upfront ) for returning the vehicle and not leasing another XXXX vehicle. Second, they admitted to having a wrong address on file where they supposedly sent me the bill, I was told that they would they updated my address and that they would resend me a new bill with the correct amount and also remove the negative hit on my credit report and send me confirmation of that as well. 

I've been waiting ever since for those notices and NEVER received anything, Called many times thereafter and was told that notices were sent out still nothing was received. 

On XX/XX/2019 i contacted the again and was told the notices were again sent out but the wrong address '' again '' OOPS! what incompetence. I then requested to just make a payment over the phone and was charged an additional {$10.00} processing fee in addition to the {$430.00}. Again i was told that i will be receiving email confirmation of my payment and ad letter stating that the delinquent account will be removed from my credit score. The Money was drafted from my checking account but no email confirmation 'of course '. 

On XX/XX/2019 i received another notification from my credit monitoring of a new negative account this time in the amount of {$430.00} this is after the money was already drafted from my account. This is causing my a lot of stress as well as financial loss as i can't obtain credit for my business, cant take advantage of the lower interest rate to refinance my home etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
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:
There was nothing to explain further. I have been sending letters to Exquifax and XXXX for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: MN
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:
this company added fees to my account that was not correct the car was totaled and the car was paid off with the gap insurance I also see that they have a lawsuit for the things that they have done to people this is showing incorrect information on my credit report as well and is affecting my score for wrong information XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO ME

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 2020-09-03
Company: Lockhart, Morris & Montgomery Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation