BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with  copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or  verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting Act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I keep getting calls from CACi regarding a a payday loan that is over 7 years old. I have paid all my payday loans and have not used payday loans in over 7 years. It keeps showing on my credit report with incorrect dates and they keep calling me even though I have informed them that all my payday loans have been paid and they are trying to collect on something that one, doesn't exist and two, is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
FHA LOAN BEWARE! I never received a copy of my appraisal prior to closing on XX/XX/17. The appraisal show 's the value of the property along with the pictures that were taken that might reveal detrimental non-compliant conditions. See attachments of all deficiencies that existed during appraisal, but was noted as it " meets the standards ''. For anyone who has similar issues your appraiser is " required '' to properly observe and properly explain existing conditions during the appraisal. Mine did not do those requirements which in turn in my opinion is an inflated value for not adjusting the value vs repair cost or even property ineligibility. Someone also failed to properly review the appraisal documents as required by HUD. Do your research before ever applying for an FHA loan with a lender. Look at the company 's history and see if any complaints exist or are ongoing as my lender has plenty. A vital error in the process has cost me XXXX XXXX XXXX XXXX XXXX of dollars and more. Do not rely on the trust of others.  The crawl space has dirt up to the floor joist which later revealed rotten wood throughout the house. We found that dirt covered plumbing just a few feet from where the picture was taken by the appraiser that was XXXX taped. This is not how a FHA 203B loan is suppose to work. The appraisal is for the " buyer protection '' some said but is actually used for collateral in the event your default or foreclose. If done properly the appraiser and review of the appraisal will protect you, but mine did just the opposite!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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 XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent instructions.

15 USC1666B : 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 explanation
Consumer complaint received 2023-05-19
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: CO
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

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 2023-05-19
Company: American Revenue Management, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Addressing American Revenue Management : I request communication regarding a purchased debt. Failure to comply with laws may be reflected on my credit report. I urge you to rectify any violations, provide the required notice, and resolve the matter promptly. Accuracy and transparency are key

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was consulted to apply for a home energy loan through Ygrene and later discovered there are no early pay off options, extremely high interest rate, lein on my home, inability to refinance or sell property until loan is paid off in full. They require me to pay all interest first over the entire course of the loan and I was unable to sell my house when market was high and was unable to refinance when interest rates were low. The solar company that urged me into accepting this program insisted that the entire monthly dues would also act as a complete write off on taxes and that it was better to accept the longest term offered. The full amount is not available to write off and Ive reached out after several other issues with this solar company ( XXXX XXXX ) about this issue and no response. Ive reached out to Ygrene and they gave me a pay off amount of the entire initial loan amount after 6 years! ..out of 15. There is a lawsuit ongoing against Ygrene by FTC and I have signed the paper and mailed back but I havent heard back from them or know what is going on but I need the lien lifted and to be made whole again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, Bank of America credit card reversed a charge back in the amount of {$2500.00} previously issued against XXXX XXXX XXXX XXXX also known as XXXX  Held Desk. Bank of America alleged : " We can not intervene in situations involving a merchant 's return, refund, or cancellation policy ... Merchants may operate their businesses independently and set return and refund policies that best suit their business needs. I disagree and believe that Bank of America 's assertion is in violation of the Fair Billing Act, my consumers rights by using services not provided or received and also it constitutes a breach of contract with Bank of America cash reward credit card. 

The presenting issue stems from a travel ticket I previously purchased with my Bank of America Visa Cash Rewards through this Agency with its Headquarters in XXXX XXXX, CA. I was unable to use the ticket for travel as intended because I was wrongfully prevented from boarding the plane by the airline through no fault to me. While in transit at the XXXX airport, XXXX and traveling to XXXX as a dual citizen of XXXX and the USA, the travel agent did not realize that I did not need a visa on my USA passport and that my XXXX passport was sufficient. When the XXXX airlines eventually realized the error, the plane has departed. I contacted XXXX XXXX XXXX or XXXX Help Desk at the airport and was denied boarding another plane reportedly because my ticket was non refundable. Other monetary damages and losses occurred as a result as I had to return immediately to the United States from XXXX XXXX. 

I would like a review of the basis of Bank of America 's denial along with its investigative process. I do not believe that Bank of America conducted a fair investigation into this matter, has partially sided with the merchant and have not followed up the rules and regulations of consumers rights related to services and goods not received. This was through no fault to me and caused by the merchant 's negligence and predatory tactics. I have never been afforded due process as I have been unaware of the merchant 's response. I should have been given the opportunity to respond back to the merchant 's allegations or some evidence should have been collected and presented.

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 2018-03-07
Company: Experian Information Solutions 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 HAVE ATTACHMENTS IN THE ATTACHMENTS I HAVE LISTED THE FRAUDULENT NAMES AND ADDRESSES ALSO I HAVE ATTACHED MY FTC FORMS OF ID THEFT.

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 2023-07-07
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: Account status incorrect

Complaint:
I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but XXXX and equifax have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and was assigned to TMS as my lender in XX/XX/2020. I made a payment to them and then my loan was transferred to XXXX XXXX on XX/XX/2020. My money paid to TMS didn't get transferred over and they said they have 60 days to transfer the money. After numerous follow ups, no one could tell me when my money would be transferred. It is now one week past 60 days and I still have no answer as to what has happened to my money. TMS won't give me any straight answers nor can they explain why my money hasn't been transferred yet. They have not been compliant with their legal obligation to transfer my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington mortgage ( XXXX XXXX XXXX   XXXX XXXX  ) Carrington Mortgage services is the lender who is listed as my  mortgage holder. I make payments to them on this loan. This loan is currently in forbearance expiring on XX/XX/2020. The Forbearance began on XXXX XXXX When the pandemic began. I would like to give you some details. A payment was made on XXXX XXXX in the amount of XXXX. Record of payment is enclosed. The payment was enough to cover 2 months ( XXXX and XXXX ) leaving a balance of {$380.00} in suspense. I am working on making another payment by the end of the week on XX/XX/2020 in the amount of {$1100.00} Which will cover 2 more months ( XXXX and XXXX ). I have been communicating with the lender Carrington Mortgage services as they told me because there are programs that might the payments to bring my account current. I only owed the month of XXXX. This record of payments is also listed on a printout provided by my lender. I just wanted to make sure you were informed properly of my situation and giving the opportunity to do so. Also I wanted to add that I was contacted by a person of the name of XXXX ( XXXX ) XXXX XXXX XXXX ( mortgage Investment firm ) He stated that he wanted to work out the mortgage payments with us. I asked who he was and he stated to me that he was assigned from carrington Mortgage company. I said to him do you know that attorneys were involved with this situation. He said he didn't know that. He wanted the name of the attorneys. I stated to him that you should of got that from the mortgage company. He said that he will get back to me as soon as he gets that information. The attorneys who submitted paperwork to the court house are ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) address :XXXX XXXX XXXX, XXXX XXXX XXXX, new york XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ERC
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: Personal information incorrect

Complaint:
Enhanced Recovery Co. LLC placed me in collections for a XXXX Bill after XXXX reflected a XXXX balance when we ended service. We also notified XXXX of my Bankruptcy. I reviewed my XXXX credit report and saw Enhanced Recovery had reported a {$500.00} balance and had been on there an entire year. They had my phone number incorrect as well. We contacted XXXX  who removed the debt as it had an incorrect number but damage was done to my credit and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID XXXX DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2020-09-21
Company: CORELOGIC INC
State: AL
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 didnt authorize none of this credit pulls. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXl/XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX ( XX/XX/XXXX ) Credco ( XX/XX/XXXX ) credco/XXXX XXXX ( 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 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
So since XX/XX/XXXX XXXX havent had access to my money. On XX/XX/XXXX I called capital one and they havent told me anything about the account or why theyre withholding funds from me the accountholder. All I want now is a check for the funds and to close the account. I suspect it has to do with the unauthorized transactions on the account. But if theyre going to deny every dispute then they can just keep the money. I just want the account closed and a check for whatevers left after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 that Credit Bureaus 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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