BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Please see below message that I sent to CREDIT COLLECTION SVCS and XXXX. Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Alleged Debt Amount or Balance : {$1300.00} Dear CREDIT COLLECTION SVCS and XXXX I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. cc : CFPB, po box 27170, Washington, DC 20038

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXX CARD ENDING IN XXXX XXXX XXXX XXXX XXXX CARD ENDING IN XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-05-09
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Toward the end of XX/XX/2023 I wrote a letter to FRANKLIN SERVICE , INC ( a debt collector moving forward ) indicating that I have experienced hardship relating to my employment and expressed the low balance I have in reserve. I became aware of the debt collectors communication attempts because I pulled my credit report from the big 3 reporting agencies. The debt collector was indirectly communicating with me and has injured my reputation and ability to qualify for a mortgage and other credit extensions for personal family and household purposes. I have rights under the FDCPA and they are being violated. Specifically the section that talks about communication in connection with a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was diagnosed with XXXX  and XXXX during the pandemic, and my condition made it difficult to manage my finances. Recently, I found high balances reporting on my credit report from my credit cards. However, all of my credit cards are charged off, and I am unable to dispute anything with the credit card companies. I feel stuck and hopeless due to the debt under my name, which has led me to feel anxious and XXXX. I have read online that I can try to dispute with the credit reporting agencies to remove the negative items from my credit reports. I have found the right medication to treat my condition, and I am now hopeful that I can finally put this chapter of my life behind me. I am reaching out to the credit reporting agencies for assistance so that I can find relief and peace of mind. 
please see the attachment

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I was stuck waiting for a new Capital One 360 debit card for 2 weeks. I needed {$100.00} in cash, and called about using my Quicksilver card for a cash advance. The customer service representative clearly explained that interest started accruing immediately. This was fine by me, since I had money to pay the balance off immediately from my Capital One 360 checking account. 

However, upon using the card for {$100.00} of cash advance, I have been unable to pay off the balance. The cash advance charge was made on XXXX, but on XXXX, the charge is still pending. I called to try and pay the balance, but the representative confirmed that I started paying interest on the XXXX, and the XXXX. However I would be unable to pay off the cash advance until it finished pending and appeared on the balance. This is most likely to happen on XXXX. 

It seems very predatory that I am paying interest for 3 days, and have tried to pay the charge, but am not allowed to pay it until it settles in Capital One 's system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX immediately after I answered an ARS Resolutions call re : a medical collection that I have no idea what company the supposed bill/company says I owe ARS PUT THIS CHARGE OF {$320.00} on my credit reports! I have never received one piece of paper re : this bill! They have neglected to send one! I need this off my REPORTS ASAP as I am applying for housing! I had a XXXX credit score & this brought it down to XXXX! I have been on XXXX FOR YEARS so this is a fraudulent charge! I also read that any day the government is deleting all medical debt under {$500.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: PENTAGON FEDERAL CREDIT UNION
State: OR
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:
PenFed Credit Union reported I made a payment more than 30 days late in XX/XX/. This is not the case and I have the supporting documents. The minimum payment of {$64.00} was due XX/XX/ but the late payment date was listed as XX/XX/. I submitted my payment of {$120.00} on XX/XX/XXXX  as reflected on my XX/XX/ statement. Clearly I did not pay 30 days past the due date and in fact paid by the date PenFed stated would be considered late.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXXXXXX 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX ( Original 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 2023-05-09
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:
The company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-09
Company: American Financial Network Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX of XXXX  I initiated a mortgage application with American Financial Network , Inc. the mortgage broker I was in contact with is named XXXX XXXX. The application I submitted requested a 30- year loan for which on XX/XX/XXXXI received a Commitment Letter with an interest rate of 5.125 %. Additionally, earlier in XXXX ( XX/XX/XXXX ) I also received the loan estimates which showed the interest rate at 5.125 % on a 30-year loan as well as no points for closing costs. 

However, when the loan estimates document was reissued on XX/XX/XXXXthe loan was now showing 5.253 % ( or {$12000.00} ) in closing points. At this point I informed XXXX that this was not what we had agreed to. That same day he informed me that the documents were not final that and the lender credit would be applied before closing. 

On XX/XX/ he issued me another loan estimates document. The new estimates had now changed the loan from 30-years to 15-years. The closing points had also changed to 3.032 % ( or {$7200.00} ). On XX/XX/XXXX, I informed XXXX that I had not agreed to a 15-year loan to which he again replied that the documents were not final. 

Eventually I did agree to the 15-year loan, but XXXX himself told me that the points of 3.032 % ( or {$7200.00} ) would be applie half in terms of lender credits at closing ( which was fulfilled ) while the other half I would receive in the form of a check 2 weeks after closing. 

I closed on XX/XX/XXXX and after XXXXo weeks had passed I wrote to XXXX asking for an update. He informed me that he was working on in. Since XXXX of last year he has been dragging this issue by proving different excuses and and at this point I have decided to file this complaint. 

I also have proof of these conversations I had with XXXX and copies of the document I referenced.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TN
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:
I contact credit Burea concerning this matter and sent in proof supporting my Concern Im Asking to update my report according to laws U.S.C1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$18000.00}

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 2023-05-09
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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