BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is the 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. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

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 2022-03-22
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receive information on my credit report pertaining to medical collections owed of {$220.00}. I'm not aware of going to an urgent nor did I got to a doctors office. 

Original creditor XXXX XXXX XXXX  Collections - FINANCIAL DATA SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Tri-State Adjustments, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill to the creditor, XXXX on XXXX XXXX 2015 for the full amount of XXXX. 2-3 weeks later tri state adjustments called my wife, not me, on her cell phone asking for payment of this same debt. I called tri state back to advise that payment was made but the representative said collection would continue because i could not give him the check number at that moment ... .while I was driving. A few days later I called to advise the agency that check XXXX was sent and cashed by the creditor. I also advised that I called the creditor to confirm that there was no money owed to XXXX at which time I was told that there was no open balance showing at that time. Now I find that tri state adjustments has put the collection action on my credit report despite the fact that payment was made in full before any collection action was started by them. I again called the creditor to verify that there was no balance owed, which they confirmed. They also stated that they would advise Tri state that payment was made in full but they continue to verify the amount as due and payable. They obviously made no effort to verify the correct information withe XXXX or simply are looking to have me pay them to remove this inaccurate information from my credit report aka extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have called the bank several times, i went into the bank. I thought it was cleared up until I got this letter OF DEPOSIT : AMOUNT OF ITEM : CHECK NUMBER : XX/XX/XXXX XXXX At TD Bank we are committed to protecting your accounts. We are writing to let you know we have delayed availability of funds from your deposit as account information indicates that the check may not be pald. 
Although we try our best to make sure your funds are available as soon as possible, sometimes we need to hold on a deposit ( s ). Rest assured, your funds will be available no later than six business days after the dep made, unless we are notified of a returned check. 
If you did not receive a delayed availability notice at the time of the deposit and your check was paid, we will any overdraft or returned check fees as a result of the additional delay in the avallability of your funds. To ob refund of any fees incurred if the deposited check has been pald, please contact your local TD Bank. 
We are here for you We are sorry for the inconvenience, and appreciate your patience. If you have any questions, please call us anytime at XXXX Sincerely, TD Bank Fraud Operations My tenant has paid me since the fall of XXXX no problems. In XXXX TD held the check from XX/XX/XXXX until XX/XX/XXXX. Even though my check was cleared through the tenants account on XX/XX/XXXX and I had enough to cover the check in my account. 
In XXXX the tenants check was put on hold again. We went into the branch and they lifted the hold and then today we got this letter. Once again cleared in tenants account and we have plenty to cover the check. This is abuse of their power and control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. Company has not responded.

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 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is the 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. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Im just a Co-Signer on the contract and basically its my dads car. He is not able to pay the XXXX XXXX which negatively affect me. I was wondering if they could just remove me from the contract as a co-signer and just solely put the contract to my dad

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 2022-08-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 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. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}

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 2020-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, violation to ( Missouri Revised Statutes Chapter XXXX and Chapter XXXX ) Illegal foreclosure under Missouri State foreclosure laws and procedures. 
May this written grievance serve as a demand for immediate action within Ocwen, in regards to an illegal attempt at foreclosure sale of the property of homeowner XXXX XXXX XXXX.It is a fact that XXXX XXXX XXXX ( XXXX ), has failed to perform the following actions under the non-judicial Power of Sale Notice and Requirements under Missouri State foreclosure laws and procedures. These violations are consistent with no publications indicating an auction sale date, time, location or the property in any of the local papers for XXXX, MO. The XXXX local newspaper publications ' would be " XXXX '' and " XXXX XXXX ''. The auction date time location and property description publications, are required to be run for 20 days leading up to the date of sale. Secondly, there has been no certified nor registered mail to XXXX in regards to a pending sale date on his property. The 20 day publication notice of sale is supposed to be also time lined ,20 days from the date of proof of service of notice of sale ; which XXXX never received. Furthermore, this property is still pending a litigation matter with and active case number of XXXX XXXX XXXX. Your client Ocwen Loan Servicing is also still party to the mention lawsuit as well. We are seeking an immediate halt to the sale date pending for XXXX XXXX, 2016. Otherwise a civil suit will be filed in Missouri XXXX court regarding this matter with request for punitive damages. Additionally, the notice of sale attached was received via regular mail on XXXX XXXX, 2016, which is in violation and has given XXXX less than 15 days to prepare for his defense and is in violation to his legal due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-19
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage with OCWEN Loan Servicing LLC . We got behind. Now its out of control. Received Pre-Forclosure Letter dated XXXX/XXXX/2017. I called spoke with XXXX ( since our assigned customer service rep was again unavailable ) We discussed the account, to do a repayment plan we needed to pay half of the arrears, plus late charges. The amount was {$3900.00}. It would require {$1900.00}. Which we did not have. I informed the csr that taxes were filed and due no later than XXXX XXXX, 2017. Without the {$1900.00} we would need to file a request for modification. At this time I was told Foreclosure had not started. I went to the web site and had issues getting to the forms. I made our payment of {$970.00} on XXXX/XXXX/2017. Then on XXXX XXXX, I called OCWEN back. I got a csr XXXX, the amount was now {$4900.00}. We discussed a 5 month repayment plan {$1000.00} down and payments of $ XXXX.Again no foreclosure in process. XXXX would put the paperwork for approval. On XXXX XXXX, I called back, and was connected with XXXX. XXXX informed the repayment plan could not be accepted since we were in active foreclosure. The amount in arrears is now {$5900.00}. In order to stop foreclosure proceedings we need to file a Modification Request. XXXX explained the process, we prefilled forms out and he would e-mail them to me. I have received the forms and its proving to be nightmare getting them out of PDF so we can fill them in/sign and return. As of today XXXX XXXX, 2017 we have not received anything in writing from OCWEN on the status of our mortgage. We did a modification 7 years ago after I lost my job. In the end, according to the paperwork we will owe a balloon payment at the end of our 30-year mortgage of {$180000.00} Which basically is where we started. I am so confused, We do not want a modification, but a repayment plan to get back on traack. We can not afford to loose this house. We do not have the funds to move 20+ years of stuff, nor time to do so, at this accelerated process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: ME
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:
It's been over 30 days. And the creditor. Did Not update the information nor has provided proof of documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law, they had 30 days to Complete the investigation. And by failing to do so, the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection agency named Bull City Financial is currently reporting 43 individual and separate medical collections on my credit profile. I recently contacting Bull City to start paying these debts one at a time, however Bull City Financial would not let me choose which accounts I can pay off, and there is no way that I can pay 43 accounts at one time. They told me that anything that I paid them would go towards the grand total of the 43 accounts, and that none of them would be updated as paid until all of them are paid. I told them that this was illegal, but they refused to accept payment on the individual bills. Since Bull City will not accept payment on individual accounts, I want them to combine the total amount owed to their organization in one collection account on my credit report, as opposed to 43 separate and individual listings. I had XXXX, so all of these bills should have been paid already anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A third party has contacted me numerous times about a debt that was previously paid. They continue to call on a monthly basis, threading and harassing me. 
Ive asked the repeatedly where they got the information. They state it came from Santander, but Santander denies this, says the debt is NOT owed, and doesnt know who this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Account information incorrect

Complaint:
My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.

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