BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: NC
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 sent a letter to the furnisher XXXX XXXX  dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXX XXXX  dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
XX/XX/XXXX : Lender for housing loan ran my credit report and found bill for {$510.00} that was unpaid from " Money Lion ''. I have never had a MoneyLion account, nor knew what this company was. 

XX/XX/XXXX : Called company to report fraud. They opened a ticket and asked for no information or forms from me for their " investigation ''. 

XX/XX/XXXX : Called company to speak directly to Fraud Department and they would not let me. Said they made another ticket to open the investigation. 

XX/XX/XXXX : Received word that their " investigation '' is closed despite not asking me for any documents and they claim it was not fraud. Address listed is for house I have not lived in for 6 years, the phone number is not my phone number, and I have checked the account they claim the money was deposited in on XX/XX/XXXX and there is no evidence of the transfer ( see attached bank statement- nothing under deposits that fits this " loan '' ). Phoned the company again and they have not called back or let me talk to Fraud Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: AZ
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:
The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures. 

This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my credit score and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$1300.00}

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX : {$250.00}

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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had another inquiry on my credit report that I did not do. I have contacted both companies and they are aware that someone has stole my social security number. I have put a fraud alert on my credit. The two companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I would like this investigated and taken care of. Someone tried to get a XXXX dollar loan in my name from these two companies. If I need to do something more please let me know. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2022-03-23
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:
On XX/XX/XXXX I sent Transunion a letter disputing the XXXX Bank XXXX mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through XXXX Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through XXXX bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are XXXX payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of XXXX Bank and Transunion on XX/XX/XXXX and did not receive a response. I called XXXX Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that XXXX Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into Transunion today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as XXXX Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.

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 2016-07-28
Company: Credit Bureau Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I live in XXXX. The debt that the debt collectors are trying to collect on is debt from XXXX XXXX. I have not lived in XXXX in over twenty years. Me and my son have the same name and the debt that they 're trying to collect on is my son 's debt. I have stated this to them and I have also told them that me and my son at this current moment do not have any contact with one another but they are still calling and trying to send documents to my home to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had our mortgage modified in XX/XX/XXXX. But due to an XXXX we missed our XXXX payment and received notice from our mortgage company we needed to send in XXXX payments by a specific due date. When we saw a problem we contacted via phone and email our dedicated loan specialist and informed her of this problem. When we tried to send the payment in XX/XX/XXXX it could not be sent XXXX XXXX which is the way we always made most of our payments online. We called the mortgage company due to this was the message we received, and where told by a customer service person they would only take just over four thousand dollars. We explained to them that we where awaiting tax return and they mainly told us we had to have this in asap. We received an collection agency letter and contacted them about our situation by fax but they never responded. We continued to reach out to our mortgage company but as of today XX/XX/XXXX they have only sent us notice as to how much we owe. We where seeking a forbearance mainly due to the medical situation, but they have not attempted to assist us in anyway. Our past due just gets higher and higher and they are aware of this and still just seem to not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Russell W Richardson, Attorney at Law
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My family and friends ( some who live out of state ) were contacted my a " XXXX XXXX '' from DFC Legal Services informing them I have a debt I have in collections. I called the company and when they answered the phone would only say Law Office. No one would give out their first name only XXXX or XXXX . When I spoke with XXXX XXXX he told me that if I did n't pay off this debt they would contact my HR department to have my wages garnished. He was very rude and left me with no easy solution. I did some research on this from the original lender and kept calling different companies who said they bought and sold my account. I spoke to someone at a different company who told me they had my account and they do n't know why this other company was calling but to ignore them. Their amount was only {$900.00} the amount of the loan. I called XXXX XXXX back and was told the other company was lying. They did a conference call and they argued with eachother the whole time saying they owned the account and not to listen to the other company. I was so confused at this time I did n't know who I should be paying. I called my bank and cxd my bank card and put a stop payment on my account for both companies just in case they tried to take money out. I do n't feel comfortable talking to any of these people anymore. DFC Legal services refuse to give out their first name, wo n't give out detailed information about the debt, and are very rude. They make threats, and give out information to my family about my debt. They continue to call my family over and over again telling me they know they can get a hold of me. Very scary and very mean. Not understanding at all. I feel very worried that they will contact my place of employment to garnish my wages. And I 'm not sure what else I should do. I just want these calls to stop. They also refused to mail anything to my home showing this debt and the money owed from their company. They sent an email that was not on company letter head just a generic email.

Company response to consumer: Closed
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX ( Report # : XXXX. ) In accordance with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. 

The Experian has responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all and refused to reinvestigate without new information. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. 

Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.

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 2022-10-07
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Square payroll deducted {$500.00} from my checking account without my authorization. I have emailed them multiple times asking for reasoning as to why, and they have not responded. They have stolen {$500.00} from my account and will not respond to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have requested and demanded that TransUnion validate a public record account/federal tax lien from XXXX.. On three occasions I have disputed this account because the information is not accurate because the account has been satisfied. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am overly confident that their entity did not investigate the matter. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. TransUnion has cost me a job that would have supplied my family with a very nice cushion. I 'm stressed, confused, upset because their negligence and unfair practices has ruined my professional career.

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 2022-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have new and updated information on Pentagon Federal Credit Union. On XX/XX/XXXX at XXXX Pentagon Federal Credit Union received my intent to sue letter, litigation paperwork, and past documents since XX/XX/XXXX ( See attached documents ) to show proof that I was trying to resolve this matter outside of court. I have mentioned multiple violations of FDCPA ( 15 usc 1692 ) & TILA ( 15 usc 1602 ) and no action or effort was taken by Pentagon Federal Credit Union. So today I demand Pentagon Federal Credit Union to respond to my intent to sue letter, so we can resolve this matter immediately! If I do not receive a response from Pentagon Federal Credit Union by XX/XX/XXXX I will be continuing the next step in litigation. I will be waiting for your response.

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 2022-07-18
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter in the mail today in regards to a debt I was not aware about dating back to XXXX. I never received any information in regards to owing a hospital money nor remember going to a hospital with the date that was given which was XX/XX/XXXX. I called company and they were not much help. I tried to work things out with them and all the said was that they were going to process me to collections regardless of what actions I would take. I asked for a detailed description for the bill and they said it would take 3-4 weeks for me to receive any sort of information. They could not provide an address for the hospital either. This is all a surprise to me because I check my credit score frequently and never saw any bills that needed to be paid for. I did not receive any bills through the mail from the hospital in regards to any payments that needed to be made. It is now XXXX and I am barely finding out about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I returned items purchased online. I received an email letting me know that the warehouse received the return and I will receive a refund. The email said it would take UP to 7 business days. I called on the 10th business day and I. Was told something entirely different than what the email stated. The rep and supervisor said it could take up to three weeks to receive my refund. I kept insisting that I was going by the email. The email which is a document, states it can take UP to 7 business days. I expect my refund within that timeframe.

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 monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off our loan on XXXX/XXXX/16. They held on to our escrow money until supposedly disbursing it on XXXX/XXXX/16. It 's now 24 days since disbursement date and 42 days since paying off the loan and we still have n't received any funds. This should have been part of the settlement of the pay of the loan, not something where they hold on to my money for months after paying them off. I 've reached out to them 7 times now. I receive no communication back from them. The only time I got a hold of them, they told me to wait another week and I should get it. That was on XXXX/XXXX/16! It 's now XXXX/XXXX/16!

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