BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: Lockhart, Morris & Montgomery 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:
I mailed a debt validation letter to Lockhart , Morris & Montgomery , INCXXXX on XX/XX/2021. The company received the letter on XX/XX/2021 and has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2021, which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

1st account : XXXX XXXX, XXXX ( current creditor ) XXXX  XXXX ( original creditor ) Total Amount Due : {$350.00} 2nd account : XXXX XXXX, XXXX ( current creditor ) XXXX  XXXX ( original creditor ) Total Amount Due : {$320.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX  with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about 2-3 hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with XXXX XXXX. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already pissed this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX   and let them know he reached out to me so they can unsuspend his account. The rep with XXXX  even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has STILL not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
please reference previous complaint filed - # XXXX this is what i submitted and Wells Fargo came back with a response to a XXXX XXXX XXXX credit card ( # XXXX ) which was paid off BEFORE any interest could be charged so i need to submit my complaint again. I received a letter from Wells Fargo with a contact number and I have left 2 messages so far for XXXX XXXX at XXXX ext XXXX and have yet to hear back from him. 

I opened a credit card with WF ( # XXXX ) with a 12 month introductory rate. I recently noticed that they are charging me 28 % which is more than what they show online for " the worse case scenario ''. My credit isn't that bad so I don't understand why I am being charged the highest rate, even more than what they advertise so I called them The guy on the phone agreed with me and said " I don't know why you are being charged more that what we quote '' and he gave me back 2 months interest but said he couldn't adjust the interest rate. in 2017 I paid almost {$1000.00} in interest! My monthly payment is {$130.00} and {$88.00} goes to interest ... how can I ever pay this off at this rate?

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 2023-03-07
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:
this is the 2nd attempt I am interested in disputing all incorrect information on my credit report with transunion. alot of data is invalid. this is causing alot of delays to my file please correct an remove all information listed.

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 2019-04-19
Company: Credit Plus Inc
State: IL
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:
My husband and I were beginning the process of applying for a mortgage last summer and began association with the company XXXX XXXX. XXXX XXXX did a hard inquiry at that time on my credit which was good and close to excellent. XXXX XXXX proceeded to do hard inquiries at least three more times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX without my authorization which consequently has brought my credit down to an official " fair '' condition. I am paying an unfair consequence for actions this company took without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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 am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX, XXXX, TX XXXX Please update to my full legal name XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. 

Please remove all of the other ADDRESSES off of my credit report. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past  due  X/2016 ,  X/2016 , 60 days  X/2016  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.     Also, you are reporting this account twice on  XXXX  which the second account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. 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

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 2019-04-19
Company: Home Loan Center, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/2019 i received a phone call from XXXX XXXX XXXX for a loan and I accepted the loan offer but at first I had to put 5 % of the loan up front which was {$100.00}. So when the funds say they are sent I get another email about the funds are put on hold until I pay a {$160.00} wire fee and a {$8.00} stamp fee so I pay that also. I still have not received my loan from this company and when I call them they say its been sent which it has not and they will not provide me with a statement saying money being sent and now they want me to pay {$190.00} so they can send it to me thru XXXX XXXX which Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NY
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

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 2023-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$130.00}.

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 2021-11-05
Company: CarMax, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXXI went to CarMax to complete a consumer credit transaction on a car. I supplied my drivers license and social security number. The transaction was complete, I left with the car. I received a statement on XXXX that said the first Payment was due on XXXX in the amount of {$490.00}. The letter did not show that an alleged payment was owed to the finance company but that a positive balance existed. I sent a Debt Validation Request and they responded with an account payment history and a copy of a consumer credit sale contract that also said retail installment contract that included finance charges. Following their response I sent a cease and desist because they began to harass me by phone. In the cease and desist I stated their specific violations XXXX usc XXXX, XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX usc XXXX, XXXX usc XXXX are just a few of the violations I expressed in the letter and have found. I requested an audit trail, I requested that the account be reported as paid in full to the credit reporting agencies and that any and all derogatory marks or late payments be removed. I requested that they sign off on and send my title Lein free. Instead of responding to the letter they added a cease and desist to the account which I verified by phone via a representative of the company. and ignored all other request for remedy that was mentioned in the letter and also proceeded to share my location information with a third party to seize the car from my private property on XXXX. The third party, XXXX XXXX XXXX, damaged my private property. This account is and has been in dispute but they have still reported derogatory information to the credit reporting agencies and has caused adverse affect to me obtaining additional lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CONTRACT CALLERS INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid directly to the original owner of the debt, a local Utility company. They have been accepting payments on this debt for months now, and it has been paid in full as of XX/XX/2019. While the full balance has not updated as yet, this debt collection company has no right to keep reporting an incorrect account on my credit report. I have been in negotiations with the original owner of the debt, and have been paying since XX/XX/2019. They have been willing to accept payments, and I have discussed deletion with them directly. I have no contract and therefore, nothing to negotiate with this debt collection company. Please delete this account from your records 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 2022-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my fourth CFPB complaint regarding Portfolio Recovery. I have requested in writing, and through previous CFPB that Portfolio Recovery cease and decist all communications with me. I yet again, recieved another letter from portfolio recovery today oXXXX XXXX XXXX XXXX The letter is dated XXXX XXXX XXXX 

This is the same letter I have recieved three times previously, after I sent the initial cease and decist request. Portfolio recovery is sending the same letters, over and over to further harass me. 

I am forwarding all communications to the State Attorney General for review of the blatant disregards to FCDPA rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or  Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

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