BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my Fulton Bank mortgage with XXXX XXXX. I've been attempting since XX/XX/XXXX to receive a payoff statement that XXXX requires. XXXX made the request on XX/XX/XXXX and has received nothing. I've called Fulton multiple times to obtain that statement per XXXX 's request. I've waited 20 minutes on hold the first time I called XXXX. Then 40 minutes 2 days later. Today ( XX/XX/XXXX ), I've been on hold with Fulton for 1 hour. This is terrible customer service and is jeopardizing my closing on the refinance scheduled to occur on 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 explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: DC
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, EQUIFAX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: R & B Corporation of Virginia
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:
I do not no which medical provider this bill is originating from. My account on my chart which I pay a payment on XXXX each month wether it's {$10.00} or {$50.00}, I make a payment. The on line account states some of your bills are in collection, some of your bills are pending insurance and some of your bills are due. That's a broad range for someone to figure out what needs to be paid. But I make sure I pay something each month. I've filled out for assistance but haven't received a answer. As well as some of our portions of these bills I see are for services I have not received and I will be making a call to XXXX XXXX XXXX XXXX of Michigan and XXXX tomorrow to report it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIBANK, N.A.
State: MI
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:
CBNA called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: MO
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:
So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.

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 2020-10-05
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: Account information incorrect

Complaint:
I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX letter states as verification the write balance and past due balance are incorrect.

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 2022-08-24
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-10-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX  shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX  letter states as verification the write balance and past due balance are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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:
A key XXXX wants credit reporting agencies XXXX, Experian and XXXX investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XX/XX/XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me 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 explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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 2022-08-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

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 2020-10-05
Company: National Credit Adjusters, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone identifies as National Credit Adjusters but person on phone identified more sounding like XXXX XXXX  or something different XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone does not identify as an active line and collector identified something like XXXX XXXX. 
They are calling me as *XXXX XXXX '' and then asking me to give them my social security number or my date of birth as " XXXX XXXX  '' or even after some evasive maneuvers and argument identifying as a business after verifying my name and then after identifying as a debt collector telling me they refuse to tell me why they are calling unless I give out personal identifiable information. That argument is clear and transparent negligent because I'm filing a report to the CFPB of unknown XXXX XXXX calling for personal identifiable information rather than debt collectors as businesses having a practice and it being my responsibility to skip trace the debt collector to verify their identity because they want to verify mine without identification first. When I worked in public collections a year ago, besides their name, we verify their address, public information. I work with people who are in collections to the IRS and they have to identify themselves and they don't ask for payment and I can't see even them doing that really. All the more reason, I won't be giving out my identifiable information to any XXXX XXXX that wants to call and ask for it either way. Better find a non-phishing practice to collect because " XXXX XXXX  '' is not a business to have that information. It's completely unnormal to refuse to identify yourself as a collector under some law that says it would be harmful to the consumer AND ask for business privileged information! Verify your own identity so that next time when you call asking for information like social security numbers, there is a business to file a complaint with besides trying to skip trace " XXXX XXXX  '' the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have a credit card with Capital one bank and Ive tried to dispute this several times since XXXX. XX/XX/2020, during the pandemic, I spoke with a representative that said she would defer my account due to the financial crisis the entire world faced. I explained to the agent that I will resume making payments XX/XX/2020. I now have XXXX late payments ( XXXX and XX/XX/2020 ) on my report that shouldnt even be there. Ive tried time and time again to dispute it but they arent removing the falsely reported late payments. Ive explained to them that Ive made all my payments on time before and after that and they still wont Stop reporting a late payment for those months even after a clean record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Uplift, 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: Information belongs to someone else

Complaint:
Received notice of credit opened in my name ( Uplift , Inc. ). Advised company. Now I am getting negative credit notices for past due balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like a proper investigation under these hard inquiries on my credit I did not give any permissible purpose for running my credit. Proper investigation. Show me proof in writing with me or my signature to run my credit accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need proof of this as soon as possible

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 2023-01-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Old information reappears or never goes away

Complaint:
Toyota Finance is still on my credit report, exceeding the fair credit reporting act. It has been XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
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 XXXX has me at a score around XXXX. 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 n 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 4 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-24
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$3300.00}

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According the FCRA, Transunion and XXXX have violated at least 2 laws while trying to verify my credit report. Please see infractions below : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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