BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: IL
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:
Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute with Transunion and XXXX to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. Transunion has decided not to remove the account from my report and dispute with XXXX is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow.
The dispute reference number for the Tansunion dispute : 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 2017-11-04
Company: CORELOGIC INC
State: IN
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:
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 2019-04-26
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We had a chapter XXXX bankruptcy in 2012. The account was discharged in bankruptcy and no longer on wage earner plan. It should not even be there. Even though account is closed, they are now reporting late payments on wage earner plan. It lowers my score!

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 2019-04-26
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: Personal information incorrect

Complaint:
I notice different there is a different name reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 companies listed below, 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 XXXX  ( XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I would like to also add that XXXX XXXX XXXX  and XXXX XXXX are reporting from the same creditor as well.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and thank you for your assistance in this matter. I am a victim of Transunion 's " inquiry issue.I called Customer Service at Transunion and shared with them how 3 inquiries showed back up on my credit report and they kept telling me I needed to get a letter of deletion from the creditors. I explained to them I shouldn't have to and then I asked them to please investigate it and she said no I need the letter of deletion from the 3 creditors first. PLEASE HELP.

the 3 creditors are : XXXX XXXX XXXX XXXX XXXX XXXX card services

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 2022-03-07
Company: Resurgent Capital Services L.P.
State: IL
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:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with LVNV FUNDING LLC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). LVNV FUNDING LLC can not and will not ever produce a contract between me XXXX XXXX and LVNV FUNDING LLC because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received notice that full payment was due on my home equity line in the amount of {$9300.00} principal balance plus {$140.00} accrued interest. In XX/XX/XXXX I received a second notice for a larger amount of {$11000.00}. I spoke with a Specialized Loan Servicing, LLC representative named XXXX regarding a rapid payoff schedule, and questioned the new payoff amount. XXXX ordered a new payoff amount be sent to me and said the payoff schedule I proposed would likely be approved and the new charges could be reduced. Instead, in XX/XX/XXXX I received another payoff amount, this time increased to {$12000.00}. I am prepared to pay {$5000.00} toward a reasonable, fair, and honest payoff amount immediately and the remaining balance off by late XX/XX/XXXX.

Specialized Loan Servicing has refused to sent monthly or even quarterly statements for years and they ca n't explain the amounts due when I call for the info. I repeatedly requested statements and needed them during a health crisis because a family member was helping keep track of monthly bills.

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
Hello, my name is XXXX XXXX. I have been learning about my consumer rights and reaching out to the agencies that are reporting my information to please make corrections. I now understand what a grave responsibility they have to be accurate and fair. 

I am finding I get ignored, and this is the case with this complaint. I recently asked Capital one to remove a late payment showing on my account because I was in good standing and I did not give them permission to report this account as late ever. 

According to my consumer rights located in 15 United States Code 1681b they have to have my written permission in order to put this on my credit report and they did not have that. Nor did they have permission to show my balance either. I have reached out to them and asked and waited for their response. There was no change. 

Please help me get this removed right away. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had a XXXX home loan for some years, always current, I just got an unsolicited notice to pay to this new company XXXX XXXX thousands of $ i do not know them and have never been late have no idea who they are. 

I spoke to a supervisor who says i should send a certified check for $ thousands of dollars to the XXXX, XXXX XXXX in India, at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX India XXXX His company XXXX XXXX has taken over US Gov't loans from his company in the USA in both XXXX XXXX XXXX, XXXX, TX XXXX or to XXXX XXXX c/o XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX this all is very weird and full of fraud, misrepresentation, thefts of US funds XXXX as a 100 % XXXX Veteran i find this entire scam very seriousness abusing we the Veterans and the US Gov't it is fraud and theft. 

I spoke to XXXX alleged staff members who admitted they have offices in the USA but are really headquartered in India where the XXXX conducts all there XXXX XXXX on US Loans. XXXX managers lied several times about this saying send the money? i do not know them they said they are the new company servicing my XXXX loan but i know nothing of this nor would they send me any records, documents etc..Mr XXXX XXXX and his assistance XXXX XXXX XXXX XXXX both got caught lying and even said the XXXX is in India and not really in the USA then they told me NOT to report them to the FBI, VA or CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Convergent Resources, Inc.
State: PA
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:
My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was XXXX days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from Convergent Outsourcing I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XXXX/XXXX/XXXX I was alerted to a negative credit item on my XXXX   credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.

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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA is alleging I owe Them a debt. I have no agreement nor do I have a contract with my consent to have them share my personal consumer information. PRA is causing Injury to my persons and hindering me from my pursuit yo happiness. PRA is in violation of the FDCPA and XXXX. They are also in violation of chapter 41, title 15 of the u.s codes. I demand my protected rights be honored. This company is Infringing on my right to privacy and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: CA
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:
These inquires was not authorized by me. I do not have any account that were opened on the days the inquires was placed on XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 C XXXX, XX/XX/2020 XXXX   XXXX, XX/XX/2020 XXXX. They have also not been verified by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 Hunter Warfield Debt Collection Agency XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX-XXXX-XXXX-XXXX entered a debt collection on my credit report for a debt that I do not owe. It claims I owe XXXX  XXXX XXXX XXXX {$620.00} dollars account # XXXX which is untrue. I never resided at XXXX XXXX XXXX and never signed a lease or other contract agreeing to moving into a unit. This apartment complex is poorly ran where leasing employees keep sloppy records and mess up applicant credit reports via reporting things untrue. Infact, XXXX XXXX XXXX issued me a refund check for {$770.00} dollars. I demand that Hunter Warfield investigate and remove this erroneous debt from my credit report immediately and send me written confirmation of debt removal from my credit reports and undated letters of correction to all that have received my credit report within that last 60 days showing correction. I do not owe this debt. I did not agree to any contract with XXXX XXXX XXXX XXXX incurring a debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: McCarthy, Burgess & Wolff, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by someone claiming to be a new service called " XXXXXXXX XXXX '', and that they knew I was having issues with XXXX. Which I was ; as they were sending leads outside of hours I posted. The person made it seem like they were a competitor of XXXX and had better systems. 

I was told I could pay an annual membership to join XXXX XXXX, and they would deal with XXXX for me. 

I advised that I could pay the one time annual fee on a personal card ; but would not be able to set my account up yet, as we were in transition and opening a second location and I would not be able to start taking new clients until that was resolved. 

Multiple documented tragedies and many months later, I am now ready to add another 27 clients this morning and discover that I am being charged XXXX for XXXX  sent to an old number on a " new account '' XXXX XXXX  created from my OLD XXXX XXXX information. 

Not only am I being charged for purchases I never authorized.. I am now in collections as of XX/XX/2022. 

My business number is completely different from the number they sent the referrals to. 
I have no idea what zip codes or services they offered. Nor do they have my business billing information. 

I was trying to finally activate and set up my account on XX/XX/2022 to add the 27 new clients when I learned they had done this AND put me in collections as of XX/XX/2022. 

I tried multiple times to resolve this when I discovered it on XXXX with XXXX XXXX. As well as McCarthy, Burgess & Wolfe their collection agency. 

I didn't buy these leads, I shouldn't have to pay for them. 
It is bad enough my business reputation was maligned by them offering/selling my services to clients that never had a shot of an appointment. 

My business DID NOT receive any business from them. We have not started any new clients, as we have been dealing with treading tragedies in at least 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A claim was made against me in the amount of {$2800.00} from the company Ford Motors Credit. I haven't received any information about this debt. Account date is XX/XX/2013.

Company response to consumer: Closed with explanation