BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX , Experian and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.

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 2017-06-27
Company: Richard B. Maner, P. C.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a second mortgage that with   XXXX    XXXX  I filed Chapter  XXXX  bankruptcy several years ago and included them in my bankruptcy the debt was discharged. The mortgage loan was transferred to  XXXX   XXXX   XXXX  and they have set a property foreclosure sale for my property for the loan that was included in my bankrupty. My  1st m ortgage is with  XXXX  Mortgage and they were not notified of this sale nor did I receive notice of the property foreclosure sale. It is a mismeador in the  State  of Tennessee to move forward with a property foreclosure sale without giving the appropriate  30 no tice that is required by law. Also you can not collect on a debt that was included in a chapter  XXXX  bankruptcy and discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require 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. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
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 disputed different hard inquiries on my credit report as its not me applying for credit. I have called Experian many times because of fraud. They havent fixed the issue or helped me with fraud

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 2022-09-05
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen at this dental agency in XXXX of 2016. I went in for a routine cleaning and the dentist reviewed my x-rays and said I would need a crown, so an appointment was set for a week later, XXXX 2016. I had dental insurance and was pre-approved for full coverage for the procedure. When I arrived the head dentist said he was not comfortable completing the procedure because I had a high risk XXXX and was was XXXX months pregnant at the time. Thus I NEVER HAD THE PROCEDURE they keep trying to have me pay for. I did not know the debt was owed until I was contacted by PDQ collections. I then called the dentist and they shared the dentist was no longer there and could not confirm and the debt had already been sold to a collection company so was out of their hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: POINT ESCROW, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I used an escrow company to close for a house purchase on   XXXX  -2016 in  XXXX , WA. I signed my paperwork in their office. I did not receive copies of what I signed. They overcharged me fees, and after closing, mailed my {$160.00} refund check to the incorrect address. They mailed it to my previous address, not the address of my new home I closed on that day. I never received the refund check or my paperwork. Now they are demanding to deduct {$45.00} from my refund for a stop payment fee for the check they mailed to the incorrect address. They said they do not have control over the United States Postal Service. I would like help in getting my full refund, and copies of my final settlement statement, and paperwork. In past real estate transactions, I received funds/refunds the day of closing at closing. They did not have a problem calling me when they needed something, however, they did not call me when I had a refund coming I could have easily picked up considering their office is less t han 2 mi les from my home. Something else is how Point Escrow 'price matched ' on their fees was deceiving. Their fee was {$1800.00}. I found a company whose fee was {$1500.00}. I appreciated the price matching, however, they only lowered my half of the fee by {$150.00}, instead of lowering it by {$300.00}. They said if the seller sent the price match in, they would lower it for his half. I thought since I found the price match, that my fee would be lowered by the full {$300.00}. It ends up I had to tell the seller about the price match, and provide the info to him to send in for the price match too. I had to ask him if he would reimburse me for the savings I found, or use it towards a professional cleaner for the house. Awkward, and of course, neither happened. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

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 2022-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was scammed in to purchasing gift cards with my XXXX. I made the credit card purchase willingly, however it was under the false advisement of somebody claiming to be XXXX. On XX/XX/2022 I spent a total of {$5000.00} on gift cards. My bank advised I can not dispute the charges because I made the purchases willingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: ALLY FINANCIAL INC.
State: AR
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 had a vehicle financed through XXXX paid the vehicle off XX/XX/21 before the contract was up. On my credit report it is showing the loan was charged off under XXXX states the account is showing paid by consumer and not charged off. I have disputed the error but it still remains the same

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 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 Capitalone Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-09-05
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 with you has been compromised. I was going through my records & noticed many files 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 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. 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 item is verified please understand I will seek legal action. 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 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 Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Greetings. I pray you and your family are save this covid season. I have been trying to reach these companies about the errors on my credit profile. They keep simply saying re-investigation over and over again when I have asked and requested them to please adhere to the law. Please see attached documents.

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 2017-06-27
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : On XXXX/XXXX/XXXX my loan was transferred from XXXX XXXX to SLS as the new servicer, although XXXX XXXX still retains the rights to the loan. I continued to make my payments and have never missed a payment. I have attached cancelled checks to verify this being the case. On XXXX XXXX XXXX I was notified that a XXXX day late was filed by SLS onto my credit report, I called and talked to XXXX who found that they had misapplied my XXXX payment to my escrow account even though my account is impounded. She stated she could have this immediately corrected and filed a ticket to have this reversed. She assured me in would be completed no later than the XXXX of XXXX. On XXXX XXXX, I called back to SLS and was told by XXXX that the ticket had been completed and I would see a correction on my credit report on the XXXX XXXX, XXXX reporting. I explained to her this was not acceptable that I was in the process of trying to obtain a loan and that this erroneous late has now caused me harm. I asked her to have this corrected immediately. I was then contacted by the Office of the President who apparently handles complaints. I was told that they would send out a Mortgage Verification confirming that this had been corrected. On XXXX XXXX XXXX I received the Mortgage Verification that clearly shows me having a XXXX day late. This needs to be reversed immediately and SLS needs to assure me with written verification that this has been corrected. My credit score has plummeted by more than XXXX points and it has now caused me to be turned down for financing with my business. This has caused me irreparable harm and this company needs to be held accountable for their actions and failure to correct their errors. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Loan # 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the fair repair reporting act bankruptcy XXXX Has violated my rights 15U.S.C 1681 SECTION 602A STATES I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 States It also states that a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CA
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:
Back in late XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to Experian to which they have not resolved my issues on my report. I explained to Experian that I had never done business with that specific creditor, yet they stated that they verified the account, but did not supply ME with any evidence. As an XXXX American women and XXXX XXXX XXXX XXXX it is specially difficult to obtain a home due to XXXX bias, and with erroneous information on my credit report, it does not make it any easier. My family and I are truly distraught because I really need to obtain a home for the well being of all of us.

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 2017-06-27
Company: Professional Recovery Management
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:
I sent Fox Collection Center a certified letter in XXXX XXXX 2017 asking them to provide validation that the accounts that they have listed on my credit report were indeed mine or else delete within 30 days. they respond to me on XXXX XXXX 2017 with an authorization to release form that i sign and return to them right away. Upon checking my account on today, I have noticed that the accounts listed are still showing on my credit report. They never verified or responded after i send them the authorization to release form signed by me, therefore they are in violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$100.00} to a friend in NY on  XXXX / XXXX / 17 . It took a week without receiving the money. I tried callin g Western Union on s everal occasions but all to no avail. And now when I checked on the phone, they are telling the money has been paid to someone in Colorado, why Colorado when the money suppose to go to NY?   XXXX  This is definitely a scam fro m Western Union!!    XXXX  Lesson learned ... never use  western  union.

Company response to consumer: Closed with explanation