BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I went to XXXX XXXX Virginia hospital East emergency room for XXXX XXXX pain. Mind you, I was diagnosed 2 days prior to this visit on XX/XX/18 with XXXX XXXX  from XXXX XXXX XXXX hospital in XXXX VA. 

Long story short, I did not have health insurance at this time and applied for financial aid help while I was waiting to be seen, I spent 10 hours in the emergency room where I NEVER saw the actual physician only his assistants who told me I had 3 large XXXX XXXX, I asked more than once for confirmation of the size and location only to be told there was actually only 1. 

From there I was told I was unable to receive any pain medication due to the rising opioid epidemic in Virginia. The other nurse who was working with me said that she was sorry and she knew I was in pain and would try to help get me some relief but the nurse refused. 

I left with THE WRONG DIAGNOSIS OF XXXX  including feeling ashamed/ embarassed of myself because I was being stereotyped as a XXXX XXXX and thought that I had done something wrong when I clearly had excruciating pain from XXXX XXXX. 

I then received a bill of almost {$6500.00} that I wrote a letter to dispute which was denied and then I waited apparently too long to pay them and I received a warrant in debt letter and then set up a {$170.00} payment plan dos they wouldn't garnish my wages and this has really affected my life finically. 

I'm writing you to ask that review the enclosed example dispute letter from a company I had asked to help me further dispute this bill. I did not have the funds available to hire them to represent me but I was given the sample letter. Please let me know if you think that you can help me further dispute this bill or if you can point me in the right direction of someone who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got the car in XXXX XXXX my first payment on the car wasn't due until XXXX XXXX I paid {$2200.00} on XXXX XXXX for 5 months. I made a payment on XXXX XXXX of $ XXXX also {$25.00} they rejected the payments again on XXXX XXXX, and added on {$75.00} in rejection fees because of stopped payments that I didn't stop. 

I recently made a payment on XXXX XXXX, in the amount of {$920.00} and a rejection payment of {$25.00} also on XXXX XXXX. I seen in my account that PenFed Credit Union had both payments processing in my bank account transaction. On XXXX XXXX I seen that both amounts in my account that was suppose to been taking out for the two payments I made was took out and the amount was reversed back into my account. I call Penfed because I seen on they site I pay the carnote I had two messages stating that it was stopped payments. I talked to my bank and asked why are payments being stooped from my account if I never called to have any payments stopped and my Bank told me it wasn't coming from they end and to contact Penfed and I ''called, PenFed and 'asked '' why my payments was stopped and they said it could of been me or my bank I told them no that was my first time calling my bank too see why my payments keep getting stopped. I even made the payment on the phone with one of Penfed workers and the amount of {$910.00} and a {$25.00} rejction fee.payment was stopped and they added on a {$75.00} rejection fee. So I made a nother payment on XXXX XXXX in the amount of {$910.00} and a payment of {$25.00} on the same day. I'm waiting to see if they gone to accept my payment or reject it and add on extra fees.and say it wasn't on they end. My Next payment is not due until XX/XX/2022 I tried to pay two months so that would made my next payment would of been 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 monetary relief
Consumer complaint received 2022-07-01
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 need all inquiries remove off my consumer credit report because I am aware without my lawful consent a comsumer reporting agency may not give out information about myself to your employer without my written consent.If you can provide me with proof of me giving my lawful consent or written notice, but if you can not I need you to remove all inquires immediately or I will send a written notice to the CEO which is XXXX XXXX and the CFO which is XXXX XXXX so we all can be aware of this negative information and need to remove off my consumer credit report.I am aware XXXX and XXXX should be able to provide me with proof of my lawful consent to report negative information without my consent I need all inquires remove from my consumer credit report before send a written notice to the CEO and CFO of XXXX which is XXXX XXXX and XXXX XXXX and also the CEO of XXXX which is XXXX XXXX and the XXXX XXXX XXXX XXXX that everybody is aware and would be tied into 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 explanation
Consumer complaint received 2022-08-22
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit collection company ( Contract Callers ) has put fraudulent information on my credit report. I have contacted them three times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
Please remove personal information from my credit report, name is incorrect and also the address listed on the credit files doesn't belong on my credit report. 

On the attachments below i uploaded a few documents showing my physical address and also a copy of my credit report with the errors that's on it circled, Plus many more important documents is attach to it.

According to the act, there shall be no charge for this updated report. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

These are clear violations of my federally protected consumer rights. 

Thank you for your time and help in this matter

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 2022-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Experian XXXX XXXX XXXX Account # XXXX - XXXX, XXXXXXXX XXXX  Account # XXXX - XXXX XXXXXXXX XXXX  Account # XXXX - Experian XXXXXXXX XXXX  Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX USDEPTOFED/XXXX Account XXXX XXXX XXXX Experian USDEPTOFED/XXXX  Account # XXXX - Experian XXXX Account XXXX XXXX - XXXX DP OF EDUC Account # XXXX - XXXX DP OF EDUC Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - Experian XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Experian XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Experian XXXX Account # XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting 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:
Credit Inquiry for a Capital One Credit Card without my knowledge. Likely fraud. Contacted Capital One so that they can freeze the credit card. There is an inquirer on my credit report however that has effect my score. XX/XX/23 was the date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Loandepot is the servicer of my VA loan. During the month of XXXX, I was notified that only " certified funds '' were accepted as a form of payment to the servicer. During the month of XXXX, I made a payment using my banks " XXXX XXXX '' service, which sends certified funds directly from the bank to the payee ( Loandepot ), the payment was accepted. 

However, during the month of XXXX, Loandepot returned the payment to the bank, which subsequently had to go through a process of depositing the certified funds back into my account taking a few days. I contacted Loandepot to and my bank to understand why the check was rejected. My bank stated that the payee ( Loandepot ) returned the payment back to my bank without a stated reason. Loandepot stated that they do no accept the certified funds method of " XXXX XXXX '', only Cashier 's Check and Money Order that had to be mailed in. As the deadline for payment approached, this was not a viable option, and I requested a quick resolution to either wire the money as a payment or ACH, or allow the bill pay service to go through. The representative from Loandepot said that was not allowed and would have to go " through a request '' which was subsequently denied, and I now have a late payment fee. 

This seems predatory given that they did not mention that " certified funds '' is a definition that is only limited to Cashiers Check 's or Money Orders. Certified funds are funds that are guaranteed and include services like bill pay. Their behavior may be breaching laws and regulations to their ambigious defintion of " certified funds ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to XXXX XXXX XXXX XXXX to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.

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 2022-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Greetings, my name XXXX XXXX and I am reaching out to delete this item from my credit report. I am a victim of identity theft and did not authorize this item on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 


Account Name : US DEPT OF ED Date Opened : XX/XX/2015 Type of Account : Education Loan Account Number : 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 2022-07-01
Company: Experian Information Solutions 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:
The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my XXXX consumer report because I found my dream car to replace my original car that was recently totaled by the insurance company. I was doing my due diligence before going to seek financing and found that Nationwide Recovery Systems ( NRS ) was furnishing a negative tradeline on my consumer report. Please see the attachment for proof of the furnishing of the negative tradeline. Upon information and belief, NRS is a debt collector as defined by the Fair Debt Collection Practice Act ( FDCPA ). NRS has violated the FDCPA by engaging in unfair and deceptive practices as they attempt to collect an alleged medical debt from me. NRS has damaged my reputation by furnishing a negative tradeline on my consumer report. I have never given NRS direct consent to communicate with me as I have never done business with them nor have I ever contracted with them. Therefore I deny being legally obligated to pay any and all alleged debt to NRS. I have never received any communication about this alleged medical debt until NRS took it upon themselves to willfully report an invalid alleged medical debt to my consumer report in an effort to coerce payment from me. NRSs willful and intentional actions have defamed my character by portraying me to not be credit worthy and put me at risk to be denied credit and/or be subjected to predatory lending due to the lowering of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When attempting to payoff this mortgage ( loan number XXXX ) which was days away from a foreclosure auction, PennyMac returned our personnel check that was for an amount in excess of the payoff amount. PennyMac received this check on XX/XX/2022. The accompanying documentation stated that a cashier 's check was required even though their monthly statement and payment coupon said nothing about a limit on the amount of a personnel check or that a personnel check was unacceptable. 

A cashier 's check for an amount in excess off the payoff amount was then sent to PennyMac This check was delivered on XX/XX/2022. PennyMac did not acknowledge receipt of this check until XX/XX/2022, and then only after multiple phone calls and messages. We spent hours on the phone going through endless loops of people telling us that they had not received our check. Finally on XX/XX/2022, just four business before the auction date, they finally received our check and cancelled the auction. 

PennyMac charged interest and fees through XX/XX/2022. We feel they should credit back to me any charges after XX/XX/2022. We are also of the opinion that had we not made these extraordinary effort to force receipt of our check, PennyMac would have happily allow the home to go to auction, putting an elderly, XXXX widow who had just spent 4 months in the hospital and her XXXX son on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation