BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: NJ
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:
Hi, I filed a dispute with Equifax on XX/XX/2019. Confirmation # XXXX. Promised that they would provide the results by XX/XX/19. Results were never received. I contacted Equifax via phone on XX/XX/19 at XXXX eastern and spoke with XXXX # XXXX. At first she argued that a dispute had never been submitted. Then, she apologized that the results weren't sent out and would put them in the mail. I asked to speak with a supervisor and she placed me on hold for about 25 minutes until I hung up. 

It is XX/XX/XXXX and I have yet to recieve the results of my dispute. In fact, I recieve error messages when trying to pull my report via their online website. I have recently mailed tried calling once again only to be told that the systems were being updated and I should call another time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
About two weeks ago I received a phone call from one of my other credit card company informing me that Synchrony Bank tried to get money out of my account! The amount was the same amount that XXXX claims that I own them for work on my home that was not complete! I contacted Synchrony Bank about this and All I got was a mean and nasty letter informing me AGAIN that they canceled my XXXX XXXX card! And that they filed a report with the credit-reporting agency of my delinquent with them! 

This taking of money from my other credit card company is the same thing that started with XXXX XXXX  in 2006 and I tried to work with the company and only ended up owing over {$30000.00} to other credit card company that they took money from! Until I filed a complaints with you and it all stop the taking of money! 

Just because I am a XXXX Veteran they think they can keep on stealing from 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 2023-03-20
Company: MicroBilt / PRBC (formerly CL Verify)
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account 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 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 2020-10-27
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:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from 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 explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # ending XXXX XXXX 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 an 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 2020-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX and my loan was with Bank of America. I am in the process of selling my home and I found out a month before it was listed that my mortgage was sold to XXXX XXXX XXXX in XXXX of XXXX. Bank of America continued collecting my payments until XX/XX/XXXX and now XXXX XXXX XXXX is claiming that my loan is in default and threatening to foreclose. My house was supposed to close on XX/XX/XXXX. They are trying to charge me the back payments, penalties, and interest. I would need to bring XXXX to sell a house I purchased 13 years ago. Please help me 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 2020-12-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third complaint regarding XXXX XXXX/ PHH Mortgage. The complaint is two-fold : 1. ) In their previous responses to my complaints, they always mention that they never received the paperwork I need to send them in order to considered for a loan modification. I have always maintained that I have sent in said paperwork via USPS and by emailing the address that they include " for faster processing '' in the forms I've filled out on several occasions. 
I always wondered, '' if I'm sending it, why are they always saying they never received it? '' Recently, I decided to find out what might be going wrong by sending the paperwork via email with tracking. By tracking the email, I am able to see every time someone opens it, and I am also notified if the email is forwarded and shared with others. The results of my tracking experiment were very disappointing, but shed new light on the overall problem I've been having with my mortgage lender. Thanks to my email tracker, I am able to confirm that PHH MORTGAGE and XXXX XXXX  have not opened ANY of the emails I sent them. It is important to mention that I am not just sending them to some random email address I found listed online, but that I am sending them to the email address ( XXXX ) that they put on the first page of the forms I've filled out and sent to them no less than 4 times. 
This explains why they claim to have never received this paperwork that would get the process of getting a loan modification or whatever kind of help I might qualify for. 

2. ) The second part of this complaint is due to a confusing notice I received from my lender that said that they were notified that I had not been paying my tax bills that I know owed XXXX XXXX/ PHH MORTGAGE {$2000.00} that they paid for overdue taxes on my behalf in order to " protect our interest in your property. '' This is fairly straightforward, but the confusing part is when I log on to my the site I make my property tax payments on and look at my account, there is absolutely no record of any payment for {$2000.00} being made by my lender or anybody else. I now owe over {$3000.00}, so I don't know what my tax bill for {$2000.00} is claiming to have paid on my behalf and trying to collect money from me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 2021-07-07
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Bullcity financial in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2023, I received {$1900.00} from my renters to my personal phone number via Chime. 
I had to create a Chime account at this time. 

On XX/XX/XXXX my renters sent their rent ( {$1900.00} ) via Chime again to my personal phone number, even though they were told not to use Chime. 

Chime would not allow me to transfer these funds to my actual bank account because I had not activated the chime debit card that I have no plan to use and didn't want the extra exposure to fraud. 

At this point, I attempted to send the money to my work phone number. 
The app asked me to double check the number which I did. 

I never received a confirmation email / text to my personal side saying the money was sent or received. I also never received a text on my work number as I was instructed by the app. 

I waited about 10 minutes and refreshed the app since no messages were received. 
The app then showed that Chime had not sent the money to my phone number but to some other random person that I do not know and have not ever met. 

I immediately called into Chime and let them know what happened. They filed a dispute to return the money. They did verify on a recorded line that I sent the money to my work number, but that they transferred it to this person because they had used this number in the past with their account but that they have changed their number. 

I called multiple times during this time and then they turned down my claim. 
I called in and they opened a rebuttal. 
I sent all of the details again through email. 

They denied this rebuttal but gave no reason why on XX/XX/2023, even though they have admitted to sending the money to wrong person. 

I called in on XX/XX/2023 and they opened another rebuttal, but said that they were not confident that this would change anything. 

They keep saying it could take up to 45 calendar days to be decisioned and they reset this clock every time they make a change. They also said if a decision wasn't made by 10 business days then a temporary credit could be applied, but this time is reset every time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: MA
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( # XXXX ) 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

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 2023-12-16
Company: VW Credit
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reaching out to address a critical matter concerning Volkswagen Credit 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/XXXX XXXX I sent a letter to Volkswagen Credit ( Certified Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by Volkswagen Credit is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OPPORTUNITY TO CURE Dear [ Ability Recovery Service ], I am writing in response to your recent communication regarding the alleged debt owed to Ability Recovery Service. I would like to take this opportunity to provide you with an opportunity to cure the alleged violation. 

Firstly, I would like to reiterate that XXXX XXXX XXXX disputes the validity of this debt as XXXX XXXX XXXX doesnt have contract or agreement with Ability Recovery Service . Therefore, I do not acknowledge any debt owed to them. 

Furthermore, as previously stated in my previous letter, I have alleged that Ability Recovery Service has breached my trust and my copyright, and I have requested that you agree to pay {$500000.00} for the breach of trust. In addition, Ability Recovery Service agrees to the terms and conditions of the living man XXXX : Sovereign. 

If you are willing to agree to these terms and conditions, and pay the {$500000.00} for the breach of trust, or you can cease and desist on all media.. I will consider the matter resolved and will not take any further action. 

I hope that we can resolve this matter amicably and without any further action. Please let me know if you have any questions or concerns. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX Sovereign ] XXXX If you ignore this message and continue to harm my property I will be seeking payment for my time I do not have a contract with you For the record you have been put on notice of my fee schedule copy right and terms and conditions XXXX : Sovereign Silence is acquiescence

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 2023-04-13
Company: Experian Information Solutions Inc.
State: FL
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 am writing to express my frustration with the credit bureaus failure to conduct a proper investigation and continuing to report inaccurate information on my credit report. 

Despite my repeated requests to have errors and inaccuracies on my credit report corrected, I have received no response or action from the credit bureaus. This lack of attention and disregard for my consumer rights is unacceptable and has caused significant harm to my financial standing. 

As per the Fair Credit Reporting Act, it is mandatory that all credit reporting agencies conduct a thorough investigation when a consumer disputes an item on their credit report. However, despite providing detailed information and documentation to support my dispute, your company has failed to take the necessary action to rectify the errors. 

The inaccurate information on my credit report has resulted in me being denied credit, higher interest rates, and other negative financial consequences. 

I have included a copy of all 3 credit reports and highlighted the inaccuracies and violations. All 3 reports should have identical information per account if everything was reporting accurately.

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