BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXX XXXX is unaware of the " Cares Act ''.

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 2017-06-19
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is not validated. I have attached the summons as well as the collection letter from Patenaude and Felix, a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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  and this violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Early Warning Services, LLC
State: NC
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:
Early Warning services reported to the CFPB they removed fraudulent information on XXXX. They lied. 605B of the FCRA section C which allows a CRA to reinsert information previously blocked has 3 specific reasons that need to be met before information is reinserted.

1. Error.

2. Material misrepresentation of fact.

3. Proof consumer received goods or services from the blocked account.

Absolutely NONE of those 3 are true so they can not be proven.

Early Warning gets information that is NOT complete or accurate, yet Early Warning breaks the law by reinserting the blocked account information. 
I have attempted to contact the furnisher of the fraud info but they have NEVER contacted me back. Lies from the furnisher, the reporting company. The police have cleared me, with hard proof fingerprints that did not match the perpetrator, plus proof I did not open the external bank accounts here the monies transferred were picked up. Yet, XXXXthe furnisher of the fraud info continues to harbor the belief it was me. It is this stupidity and arrogance that is harmful to me. 
XXXX has NOT responded to my initial complaint, but Early Warning responded they removed the fraud info but put it back into my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from this company dated XX/XX/XXXX ; indicating that I owe an unsubstantiated debt that was charged off on XX/XX/XXXX ; almost 8 years ago ; which is well over the statute of limitations of 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and this violates my rights as a consumer.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from XXXX XXXX XXXX XXXXXXXX, XXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the HAF program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the National Credit Union Association website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and 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 2022-03-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.

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 2017-06-19
Company: Creditech, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credittech is still trying to collect {$1700.00} on a medical debt that wasfor a procedure for my son  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  . After trying to fight this medical collection with credittech because I do not owe this money I need help. My credit has suffered greatly. I contacted my insurance company to see why this was not paid and they informed me that the bill they received showed a 100 % provider discount with no money owed. This debt therefor is not valid and I have suffered because of it. Attached is the explanation of benefits that was provided to me from my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date : XX/XX/2022 Bank : This is my second complaint about this incident. TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. I noticed that there was fraud on my checking account, and it was fully compromised. I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum. 
Now after a full month, I went ahead closed my account with TD Bank and my provisional credit was taken back of {$110.00}, stating that merchant/individual provided information that I sent that money. Now my account is in a closed/frozen status with $ XXXX of balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an unrecognized account on my credit report from IC SYSTEMS  XXXX  I have never done business with this company. I am requesting a copy of the contract agreement between IC SYSTEMS and the Original Creditor if there is to be any proof of this claim unpond my person. I do not believe IC SYSTEMS is a entity that can legally enforce a claim unpond my person without a investagation of the FULL CONTRACT AGREEMENT. Your company has 15 Days to provide me with the prooof that you own this debt or account and have the nessary documents to enforce a claim.

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 2017-06-19
Company: Alliance Group & Associates LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
PLEASE CANCEL COMPLAINT #  XXXX  FILED ON  XXXX / XXXX /  XXXX   TODAY A DEBT COLLECTOR CALLED MY PHONE LOOKING FOR MY SPOUSE  XXXX   XXXX   XXXX  SS #. SHE ASKED WAS HE AVAILABLE AND I ASK HER WHAT CAN I HELP HER WITH. THE COLLECTOR  XXXX   XXXX   XXXX  FR OM ALLIANCE GROUP  CALLED FORM PHONE #  XXXX  HER DIRECT LINE. SHE ADVISED ME SHE WAS CALLING MY HUSBAND IN REFRENCE TO A PAYDAY LOAN FROM   XXXX   XXXX   XXXX   XXXX  AL. SHE QUOTED  XXXX  I ADVISED HER THE AMOUNT WAS INCORRECT. SHE BEGAN TO OVER TALK ME. WHEN I TRIED TO TAKE OVER THE CONVERSATION SHE GOT FIRED UP AND PROFANITY WAS EXCHANGED. SHE CALLED ME A  XXXX  AND ADVISED ME TO  XXXX  SOME. WHICH WAS HER EXACT WORDS. AS A DEBT COLLECTOR SHE USED OBSCENE LANGUAGE TO ME. AND THEN SHE HUNG UP AND CALLED ME BACK TWICE. SHE VIOLATED FDCPA. I HOPE THE LINE WAS RECORDED. I NEED HELP FILING A COMPLAINT WITH THE FTC. I WANT THE COLLECTOR FINED AND THE COMPANY FINED AS WELL THE ALLIANCE GROUP. I ORIGINALLY THOUGHT THAT  XXXX   XXXX  WAS THE RESPONSIBLE BUT THEY INFORMED ME THEY OUTSOURCE THIS ACCOUNT TO ALLIANCE GROUP  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  SC  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RESURGENT CAPITAL SERVICE D/B/A/ LVNV FUNDLING LLC XXXX XXXX  XXXX XXXX, MI XXXX I HAVE NOTIFIED THIS COMPANY FOUR TIMES CONCERNING TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT. THEY HAVE FAILED TO COMPLY WITH THE FAIR DEBT COLLECTION PRACTICES ACT AND THE FCRA. 

I HAVE ADVISED THEM IN WRITTING VIA CERTIFIED MAIL CONCERNING THEIR VIOLATIONS AND THEY STILL REFUSE TO REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT FILE. 

I HAVE THE CERTIFIED MAIL RECIEPTS AND COPIES OF THE LETTERS I SENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I WANT THESE TWO FALSE AND INACCURATE ACCOUNTS REMOVED FROM MY CREDIT FILE WITH ALL THREE MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The following information is being reported by XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the Nation Credit Reporting Agencies for violation of The Fair Credit Reporting Act XXXX. 

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card- Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : 0 0 0 High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2022-03-13
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputes with the company on XX/XX/XXXX and they updated the account with no verification. however I sent a letter back on XX/XX/XXXX and they continue to not verify the debt, however they also sent the letter out on XX/XX/XXXX when I haven't even sent the letter for the follow up. They lied about the timing they sent their mail. They sent me a letter of the amount being owed but still no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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 have sent Transunion a certified letter advising them that they are reporting errors and duplicate accounts incorrectly. They have failed to correct this and I'm tired of these credit bureaus reporting incorrectly and making money off of consumers. Per law they are suppose to report accurate information and they are failing. Please contact for me and maybe we will get a better answer as to why they keep ignoring to do an investigation of the information they are reporting. I will attach screenshots of an account they are reporting TWICE.

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 2017-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I paid XXXX XXXX for a copy of XXXX  XXXX XXXX XXXX XXXX XXXX. I was given a download link and registration number for the software, which I downloaded from XXXX  and registered. I then used the software for the next 10 months until XXXX notified me that the software purchased was not authentic. During this period the software vendor appears to have closed their business, so my attempts to contact the software vendor were futile. ( email attached ) XXXX assigned a case number ( # XXXX ) and sent me a letter stating that the software was not authentic. I then went to my bank ( Bank of America ) and because the debit card used was a Visa debit card, they investigated the case notifying me that I was within the deadline and issued a temporary credit on XX/XX/XXXX for {$910.00}. ( docs attached ) As of XX/XX/XXXX, the temporary credit has been withdrawn because the bank of XXXX XXXX stated that they were not notified within 60 days of the initial transaction per a notification letter from Bank of America. ( doc attached ) I would point out that : 1. ) I was not notified by XXXX that the software I downloaded from their site and registered through their site was not authentic until 10 months after the initial download and registration. This untimely notification unduly inhibits me as the purchaser from taking timely action against the software vendor.
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2. ) Because the vendor is no longer in business ( I presume ) I cant get their side of the story regarding the sale. It was suggested by yet another vendor that XXXX may have purchased a large site license from XXXX and then decided to sell off individual licenses. This may be what happened, but I ca n't confirm not can I comment on the legality of this practice.
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I would like to know what recourse, if any, I as a small business owner have in this regard. I have lost critical funding and although primary responsibility would naturally sit with the vendor who illegally sold the software they ca n't represent themselves. I would note they had a very good online reputation at the time I purchased from them. I also feel XXXX shares some responsibility to notify a purchaser at the time they register the software as to its legitimacy so that the end user can take appropriate and timely action.

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 2018-06-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received the loan on XX/XX/XXXX from the loan officer XXXX XXXX, deposited in XXXX   sometime early in the morning. I gave him my social fulp name, bank routing and account and my log bin bank info. The amount was {$990.00}. A guy with an XXXX voice named XXXX kept ordering mentor buy {$50.00} and {$100.00} gift cards, scracthed Tuesday XXXX and take pics of other and he'll then send me the money. I had a feeling it was a scam and illegal so I stopped doing the procedure 's. He then got angry and impatient. Texted me another number that was his manager, but when the manager picked up the phone, sounded like the same guy. He threatened my social benefits along with return deposit that left my bank in negative balance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2013 I applied for mortgage refinancing under the HARP program with Wells Fargo. After submitting the proper paperwork the loan was apparently approved, as I was assigned a closing date. Two days before the assigned closing date I was told the loan was denied.After several inquiries and receiving no information I called my Mortgage Consultant at the local NH office and finally received a letter indicating the reasons for denial, which read ( " Underwriting researched your request and due to Agency requirements and our investor ( XXXX ) the following has been determined. There is aproperty type discrepancy. The subject property is an age restricted community of manufactured homes. The original loan to purchase the property was produced as a Single Family non-manufactured home with no mentioned of the age restriction in the file or the fact it was in a PUD. If underwritten properly at the onset, the loan would not have been approved and can not be approved now since the combination is not acceptable to the Agencies ( XXXX ). All of the above information is inaccurate and false as proven by the information on the recorded properly on the registered deed involved with the original loan. The refinancing rate would have been 3.75 % while my then existing mortgage rare was 6.65 % and still is 6. 6..65 %

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