BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: 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: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I'm reporting this incident to the credit bureaus to let them know that I was a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. Experian and XXXX Credit Reporting Agencies continue to publish unverified information without providing the legal documentation that is needed under the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b. The Experian and XXXX Bureaus have failed to accurately identify and produce any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone access to share my credit. They have neither removed these inquiries from my credit report or given me a written authorization. Please remove the resulting inquiries as quickly as feasible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously submitted a police and FTC Identity Theft report. Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding your continued willful and negligent noncompliance. 

Despite numerous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having copy the original credit application on file. In the results of your first investigation and subsquent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who in your verifed these accounts are mine? How did they verify them? You still have provided me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verfication as required under Section 611 ( 5 ) ( A ) - you are required to '' ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing ligation in this matter to enforce my rights under the FCRA. 

I demand that you send me copies of the documents you used to verify the following accounts listed below or your delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

ACCOUNTS : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting this complaint with the help of the CFPB today to inform both the CFPB and the Credit Reporting Agencies that I was a victim of identity theft. I have conducted a research on how to remove the fraudulent accounts as well as inforamtion in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXX  to file a report and Per Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the deletion 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} 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 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 2016-12-09
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX  XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2015-06-25
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I recently checked my credit report & found that the XXXX motgage on my house was listed as closed. I spoke with the credit bureau, XXXX, & the representative pledged to work on it. I then called Green Tree, the mortgage company. They gave me very vague information as to why this mix-up has happened & the status of my loan. Basically, I was told that since I had a Chapter XXXX bankrupcy XXXX years ago, even though I did not include this mortgage in it, that XXXX XXXX XXXX, the company that held my mortgage at the time, failed to get a " letter of affirmation '' that this mortagage would be excluded. This, they said, should 've been done while the bankrupcy was still open. I was also told that if I paid-off the mortgage, I would n't get the deed to my house because of this & also I would not be able to sell the house. I have made timely monthly payments to Green Tree for the XXXX years since my bankrupcy, but they say they wo n't report this to the credit bureaus until I reopen my bankrupcy filing & they can get that letter of reaffirmation. Even then, they wo n't report my timely payments for those XXXX years, but just from the date that letter is received. 
Since they acknowledged it was a mistake by my mortgage holder, it seems unfair that I should bear the burden of reconnecting with my bankrupcy lawyer ( who is XXXX miles away & very bad about calling back & following-up, by the way ), spend XXXX of dollars to reopen the bankrupcy, & suffer having other debt problems simply because of that reopening. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to Capital One informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( XXXX ) ( XXXX ) ( XXXX  ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Atlanticus Services Corporation
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-03
Company: Continental Finance Company, LLC
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Synovus Bank
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, Synovus and Columbus Bank and Trust are all the same bank and now any bank that has an affiliation XXXX keep reporting the same delinquency every year so it stays on my report. I made an attempt to satisfy and was told they could not find and account for me. They should only report as of 2011 not every year. 
I feel they are doing this to continue to cause me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
In accordance with the Fair Credit Reporting Act XXXX I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish 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 2016-04-15
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer Bank makes it impossible to pay loan in full and creates impossibilities to pay on time thus charging extremely high fees. They charge you XXXX dollars to make payments online or over the phone which consumers must do because checks that are mailed take weeks to be processed. I 'm trying to pay the loan in full but XXXX wo n't process my credit card payment because it 's payment in full. I was told I ca n't pay the loan in full online or over the phone even if I only owe XXXX dollar that I must send a check. The check wo n't clear in time to pay in full so the bank will charge additional fees. I 'm also concerned from reading about this bank I wo n't receive the title. Most complaints on XXXX are similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, While stationed overseas in XXXX, XXXX My lawyers ( XXXX XXXX and XXXX ) have sent several Letters to Navy Federal Credit Union for mis-aproptiation of insurance funds from XXXX XXXX ( over 17,000.00 ) to get my house fixed. Insteand of letteing me get my house fixed they used the money for the moratge and now thereare no funds to fix the property. We have sustained additional damage becasue of teh recent storms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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 just reviewed my most recent credit report and items due to my identity theft case are still showing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I was on a Citi Card as an authorized user ( cardholder not financially responsible in any way ) and the account went bad and they are reporting the bad account on my credit illegally. I am not a guarantor. See attached credit report page.

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 2015-03-30
Company: SHAPIRO LAW OFFICE, PC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation