BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Monterey Financial Services LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXXhas violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX for a debt that is showing on my credit report for {$230.00}. I never received anything in reference to this. I called them and they stated that it was from 2015 from an emergency room for my daughter. I let the rep know that my daughter has Florida kidcare which covers all expenses and she said it was too late and that there was nothing that could be done and that I had to pay for this. 
I provided my daughters insurance to the hospital. If i would have received something or been notified somehow, I would have corrected this issue then

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ Data International Inc has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a validation request on XXXX XXXX, 2021, which was delivered on XXXX XXXX, 2021 to National Credit Adjusters , LLC ( NCA ). This company has " verified '' an alleged debt multiple times in the past few months, so I contacted them directly. It is now XX/XX/XXXX, and I have yet to receive any validation or proof of the alleged debt from NCA. This company is using outdated information to " verify '' the alleged debt, and have not responded to my request within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
My XXXX  account had fraud charges. I alerted the company and even tried to keep up on the charge as to not affect my credit. This has gone on for months and is affecting my credit score. The amount owed is fraud and I really need help having it removed. My account showes a XXXX balance however they continue to call and report passed due amounts. THank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Khols was sent a letter of dispute. After review of my credit reports, Kohls has not marked my account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Went to make XX/XX/2019 payment and was told by Chase Mortgage that my loan was sold to XXXX XXXX. I never recieved any notice or paperwork. Chase states they sent paperwork out on XX/XX/2019, to my home address where I dont get mail and not my PO Box . Chase states they did not have that address yet I have continually receive payment coupons and letters from them at the correct mailing address. I did not get 30 day notice eirther. I asked to have them resent out ... ..I call the new mortgage lender and they did not have my mailing address eirther and have not had any paperwork from them. I did update my mailing address with them and verified it online. I now have to make payments over the phone instead of a brick mortar office ... .will try to day and hopefully all will be well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX {$670.00} reported on credit report. I am asking for full investigation into accuracy, also asking for removal from TransUnion report. 

XXXX XXXX XXXX XXXX, MA 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 2022-04-29
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the Following items for XXXX {$610.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

HUNTER WARFIELD INC.

15 U.S.C 1681 Section 602 A. States I have a 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 2017-07-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is based on my attempt to obtain a conventional home mortgage loan from OneWest Bank, a division of CIT Bank. The loan officer pre-approved me for the required mortgage amount upon submission of relevant financial documentation. I also electronically signed and acknowledged the CIT Privacy Policy. A copy of the same is included herewith. As stated in the privacy policy, CIT does not share personal information with third party non-affiliates. When the mortgage application was sent over for underwriting, I received an additional credit authorization form. A copy of the same is also included herewith. The new credit authorization form requires the applicant to authorize release of personal information to any third party non-affiliate the bank chooses to do so. I was told I can not restrict sharing this information or decline accepting this condition. Based on talking to my legal counsel, it appears this indirect attempt by CIT Bank to force customers to authorize disclosure of personal information to third party non-affiliates may be illegal. I was urged to report this matter to the CFPB for further investigation. Considering the second authorization was disclosed only after the application goes into underwriting, most applicants may in the interest of time provide their consent. I value my privacy and protection of my personal identifiable information. Had to find an alternate lender who never required me to provide a similar third party disclosure consent. My closing was delayed by over two weeks and the sellers insisted I pay for the holding costs resulting from the delay. Would never have proceeded with the CIT Bank mortgage application if they had disclosed the second credit authorization form along with the original privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TFS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
ON XX/XX/21 AT XXXX MY WIFE AND I CLOSED ON THE PURCHASE OF A NEW HOME, THAT MORNING AFTER REALIZING WE WERE BEING CHARGED OVER {$3000.00} IN TITLE FEES WE CONTACTED THE TITLE COMPANY TO QUESTION THE FEES AND THEY HUNG UP ON US WITHOUT OFFERING ANY EXPLANATION. I THEN CONTACTED THE TITLE COMPPANY MANAGEMENT WHO TOLD ME THEY WERE VERY COMPETATIVE AND REFUSED TO DO ANYTHING ABOUT THEM OTHER THAN REMOVE AN {$80.00} DOLLAR WIRE FEE ( THEY ARE CHARGING US FOR WIRING FUNDS THAT THEY REQUIRED, THEY WOULD NOT ALLOW A CASHIERS CHECK ) THEY DIDN'T EVEN DO THAT. I TRIED TO EXPLAIN THAT ALL THE TITLE FEES THEY WERE CHARGING US WERE DISCLOSED BY OUR LENDER AS NOT BEING BILLED TO THE SELLER OR BUYER BUT RATHER BEING PAID BY SOME " OTHER '' PARTY & THEY ALSO TACKED ON {$6700.00} UNDISCLOSED PROPERTY TAX CHARGE. LEARNING ALL THIS HOURS BEFORE CLOSING AND BEING TOLD IF WE DIDN'T AGREE DON'T CLOSE DID NOT LEAVE US MUCH OF AN OPTION SINCE SO MANY OTHER OBLIGATIONS REVOLVED AROUND THIS CLOSING.OUR UNDERSTANDING OF THE DISCLOSURE REQUIRMENTS IS TO MAKE SURE THE BUYERS ARE NOT BEING CHARGED LAST MINUTE UNDISCLOSED FEES, IN THIS CASE {$10000.00} OF UNDISCLOSED FEES. WE CHOOSE TO PAY A HIGHER RATE FOR OUR MORTGAGE IN EXCHANGE FOR THE ELIMINATION OF CLOSING COSTS. WE CAN UNDERSTAND THE {$6700.00} TAX FEE BUT IT WOULD HAVE BEEN NICE TO BE TOLD THAT FURTHER IN ADVANCE. THE TAX FEE ASIDE WE DO NOT THINK ITS RIGHT TO TELL SOMEONE IN THE PRELIMINARY DISCLOSURE SOME " OTHER '' PARTY IS PAYING THESE FEES AND THEN FINDING OUT AT THE LAST MINUTE YOUR BEING REQUIRED TO PAY THESE FEES. IF THIS WERE A TRIVIAL AMOUNT OF {$50.00} OR {$100.00} WE WOULD NOT MAKE AN ISSUE OF IT, BUT ITS OVER {$3000.00}. IF THIS IS NOT AN EXAMPLE OF THE PURPOSE OF THE DISCLOSURE PROCESS I DON'T KNOW WHAT IS. WE ARE ASKING FOR A FULL REFUND OF ALL THE TITLE CHARGES WE PAID. PLEASE HELP XXXX AS NO ONE ELSE WILL LISTEN. THANK YOU, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

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 explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, 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:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s )  versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Marvel & Maloney, P.C.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The Law Office of Marvel and Maloney has outright refused to give me information about the debt they say I owe. I believe this to be balance billing with has been outlawed in NJ in The Consolidated Appropriations Act of 2021 was enacted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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:
I Have sent dispute letters letting Experian Know these are not my inquires on my account on XX/XX/2021 2021

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 2022-04-29
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: Personal information incorrect

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.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My birthday is not "XX/XX/XXXX'' My birthday is XX/XX/1996 and the all of the addresses on my report are incorrect. My current address is XXXXXX/XX/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 2017-09-26
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX have requested account validation of debt on X/XX/2017 from XXXX XXXX XXXX XXXX. ( ERC ) and they have never responded to my request in writing. I XXXX XXXX XXXX have never entered into a contract with ERC and I do not owe them any money, the account is paid in full. It has been approximately 95 days since my initial correspondence, and they have ignored my attempts for them, ( ERC ) to prove validity of said debt, by providing a signed contract baring my signature to do business with ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-07-27
Company: Maximus Education, LLC dba Aidvantage
State: TN
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:
My loans are all consolidated, therefore ; it should show one loan not 15 open accounts on my credit report.

Company response to consumer: Closed with explanation