BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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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 2019-07-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services , LLC . is engaging in unethical and predatory business practices. Ive been experiencing financial hardship, and this caused me to fall behind with my mortgage payments. From the time this company has taken over the servicing of my mortgage I received nothing but rude unprofessional service and inconsistent responses. My complaint is regarding the loss mitigation process and the company refusing to take my payment. 
On XX/XX/XXXX I call to check on the status of my loss mitigation application and the representative stated that my XXXX tax return was not signed and that is what is holding up the process. I replied that I didnt have access to a printer thats why I supplied the official XXXX transcript from the IRS. I questioned why, was the XXXX tax transcript acceptable and not the XXXX transcript. He could not answer the question and only replied just send the signed the XXXX tax return. Then a few days later I get a letter from Carrington dated XX/XX/XXXX stating my loss mitigation application has been cancelled because I did not supply requested information. This is an absolute lie. I have dated emails to prove this and I even sent all the information again. 
On Friday XX/XX/XXXX I made a {$5000.00} payment via XXXX. When I called to confirm that my payment has been received, the representative by the name of XXXX # XXXX stated my payment was returned because my home is in foreclosure and has been since XXXX and it is company policy not to accept any payments. She then went on to say that she can request a reinstatement and the XXXX billing statement with a total amount due as of XX/XX/XXXXas {$5800.00} is not the correct amount I owe. I questioned, how is it incorrect she stated that attorney fees will be added, I questioned why when the {$5800.00} includes attorney and filing fees totaling {$1100.00}. She then stated that the attorney fees accrue daily. What makes this so disheartening is the fact that I checked with the clerk of courts and nothing has been filed with them. Furthermore, when I was sent the loss mitigation application, the rep stated that while going through loss mitigation, the foreclosure process will be temporarily halt. Thereby giving additionally time to come up with the money. In addition, I was only short {$170.00} because the {$640.00} was not due. 
This companys only agenda is to take my home. The loss mitigation is a joke they never had any intention on processing my application because I supplied everything they requested and to come up with {$5000.00} only to have my payment returned is unbelievable. Please dont allow this company to do this to me or anyone else that maybe going through financial hardship. These practices can not be legal. Please any help with matter would be greatly appreciated. Please dont allow this company to take my home its all my kids and I have. I have lost my marriage and my business ; I cant lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: SC
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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AMERICAN HONDA FINANCE CORP
State: MD
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:
XXXX and XXXX ARE KOT DOING WHAT THEY NEED TO DO.. I do t have any bill or balance from XXXX XXXX. 
Everything had need paid and settled. The year XXXX, there was a bankruptcy done.. 
so again. The only credit cards I hv is XXXX XXXX amd a XXXX wit XXXX XXXX Please have this update this is ridiculous. I have called XXXX  several time stating my online is not working and for them to reset.. still nothing has been done. 

Compnies XXXX XXXX me trickXXXX XXXX and etc ... are paid and settled as contract. Early credit cards .. again were bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: SYNCHRONY FINANCIAL
State: CO
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 showing on my credit report that I have missed payments showing for the following dates : XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 
I was never late on my Walmart credit card ... I had requested many times to have my due date moved to the beginning of the month and was never done. I called them before closing my credit card and paying in full and they agreed to remove late payments. They have not removed from my credit report and I am trying to buy a house and need these removed. 
Thank you

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 2019-07-02
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may concern, I am member of retro fitness and for almost a year i didnt use their service while they were taking from account on a monthly basis of {$22.00}. I reached out to the GYM to cancel my service they say i cant i have to reach out to ABC Financial. I reached to ABC financial to cancel my service since I am not using a service which i am paying for for more than a year. they told I cant cancel my service like I have to mail in a letter of cancellation to them and it would take up to 3 months for my service to cancel and I find that not just because you are still incurring a monthly cost while you are trying to cancel my membership. 
In addition this was not stated upfront when you join the GYM as a known fact to all members Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Radius Global Solutions LLC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RADIUSGLOBAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUSGLOBAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-07-12
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: Account information incorrect

Complaint:
i went to get a truck for my bizness on the XX/XX/XXXX and my credit score was reported as XX/XX/XXXX when it was XX/XX/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 2019-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Merchant took exceptionally long time to process and credit a return for me. The balance reporting on CAP ONE/NEIMAN MARCUS card ending in XXXX should reflect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Today I just called Capital One and asked them to delete the online account Id set up with them on their App. The representative told me you can never delete an online account at Capital One once youve set it up. Is that true? Is that the law? 

That sounded very strange, particularly in this era of digital theft and insecurity, that Capital One has the right to maintain your account information even when you request severance of all business ties with them? 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
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 account # XXXX, has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX XXXX Acct # 1919 has violated my rights. XXXX Acct # 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 instruction.

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 2023-06-16
Company: EQUIFAX, 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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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:
XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and TransUnion Credit Reports.

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 2023-06-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following unauthorized, unknown inquiries appeared on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-02
Company: LDF Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for and was approved for an online loan thru Amplify Funding. The loan was presented as an installment loan however, when the payments began to be drafted from my checking account I quickly realized this was a payday loan with extremely high rates/finance charge. I called and inquired about the loan and was advised I was locked in and had to pay the entire amount indicated on the extremely long contract. I was able to pay back the 1st loan with Amplify Funding but I had to reapply to be able to pay other financial responsibilities and feed my family. I was having a discussion with a friend and they advised payday loans are illegal in the state of Pennsylvania and I was advised to contact CFPB to see what my rights are as a consumer and to see if I can possible be responsible for paying the principal of the loan only. My loan/lender information is as follows : Amplify Funding - XXXX Amount Financed : {$1700.00} Annual Percentage Rate Charged : 683.98 % Finance Charge, the dollar amount the credit will cost me : {$4100.00} Total Payments, the amount I will pay after all payments are made : {$5800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion had deleted all items I had disputed. Then A month later they put all items back on my credit report XXXX and XXXX  I asked the company to delete the items and they did not they reinvesticated and added other items on my reports.

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 2023-05-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''.

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXXXXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX

Company response to consumer: Closed with explanation