BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a XXXX credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: The CBE Group, 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:
In accordance to Fair Credit Report Act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 Section 602 States I Have the rights 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 any open end consumer credit plan as late for purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : 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 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 2023-02-21
Company: Friedman Law Associates, PC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Friedman Law Associates contacted me and said they could help me get a loan modification to avoid foreclosure on my house. We scheduled XXXX payments to be drafted from my bank account for {$970.00} which they presented as money that went to my mortgage but I later found out it was retainer fees. After speaking with the mortgage company they told me I did not need an attorney and they would help me with my mortgage. I then changed my mind about using the attorney for a loan modification after they had already drafted XXXX payment of {$970.00}. I asked them to please return the money since I chose not to use their services and they will not return the money. Losing {$970.00} is devastating to me as I need that money to put towards my mortgage. I would like the {$970.00} returned to me as I do not think it is fair for them to keep all of that money when I am not using them for a modification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-28
Company: Bridgecrest Acceptance Corporation
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 recently received a copy of my credit report and found that there are several accounts, that are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collection with a past due balance or XXXX balance. 

BRIDGECREST, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is a violation of the FCRA and is in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report and required to remove any information that is not true, inaccurate, compliant, and verifiable. I demand that the above-mentioned derogatory items be investigated and permanently removed from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My wife XXXX XXXX a senior citizen who is XXXX ) received a letter in the mail stating she was pre-approved { emphasis added } for loan of up to {$15000.00}. XXXX was in the hospital since XX/XX/2018, and was XXXX about 4 days later to a rehab facility, where she is currently. With XXXX 's permission, I went on-line to accept the loan offer, and requested a loan in the amount of {$12000.00} or {$12000.00}. Without the website giving me any interest rate ( as advertised ) it simply stated she was denied the loan. 

I contacted Upgrade on or about XX/XX/2018 expressing my dissatisfaction with their advertising practices. If one needed to " qualify '' for the loan, the the letter should state " pre-qaulified '' or " pre-selected '', vice " pre approved '', which I have also indicated to this " company ''. 

This company should have to refund consumers like my XXXX senior citizen wife no less the 10 % of the maximum purported " pre-approved '' loan amount ( in this case, no less than {$1500.00} ), due to what appears to be " false advertising '' for the sole purpose of obtaining peoples personal information ( such as SSN, and/or verifying mailing addresses etc. ). Conversely, the government ( US DOJ ) should file an action ( clas action ) against this company and/or others like it, for the damages it causes to undoubtedly thousands of consumers ( including the XXXX and senior citizens ) presumably on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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 this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed complaint for Identity theft. I had some deletions and some were verified

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 2022-04-27
Company: Tate and Kirlin Assoc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with Defenders/ ADT XXXX It was already established with Defenders and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with Defenders that shows a very clear {$0.00} BALANCE. 

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: GA
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CMRE Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Correct insurance was provided to the hospital. The hospital used expired insurance instead and we were never informed about it. We monitor our medical claims and nothing came through medical claims and we were unaware. Suddenly this collection claim showed up on the credit report ( claim amount = {$2400.00} ). Once we investigated we found out that the charge was incorrect since insurance was never used. If insurance is used this amount will decrease by 80 % or more.

We contacted collection company on XX/XX/XXXX and they advised us to call back in two weeks. We called them today ( XX/XX/XXXX ) and their agent with very hostile attitude responded. She wouldn't let me talk. She promised to contact us when the correct amount is settled or if they have question but no estimate was provided. I asked if they will fix the credit report since the charged amount is incorrect due to hospital not using the provided insurance they said it will be at the discretion of her manager. If it is incorrect charge they should fix it as they claim to report correct information, which is the case here.

In summary, the charged amount is incorrect and we didn't know about it since insurance claim was not filed. Now they are being rude and instead of trying to help they are ignoring the fact that it is their fault to begin with. We are requesting them to process correct insurance as they should have to begin with and remove it from credit report since it is their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My one loan consolidation of XXXX is Directly owned by the Federal Government. This is how that happened. It was purchased during the buy up in the XXXX financial crisis by the Federal Government Department of Education to bailout the failed financial institutions. 

My XXXX account identifies the ACS one Consolidation Loan as a Direct Loan with a XXXX XXXX XXXX. This is the only loan I have with ACS as shown and verified in my XXXX  account. 

My ACS XXXX Loan Consolidation was purchased by the Federal Government as part of the XXXX financial crisis bail out for failed financial institutions.

ACS has been found guilty of fraud in Federal Court for having loans in more than one que. If ACS thinks my one consolidation loan of XXXX is commercial it is because of this ACS practice of keeping Student Loans in more than one que. 

How ACS was allowed to change their name to Conduent and reorganize after having been found guilty of fraud in Federal Court and allowed to remain a Student Loan Servicer is beyond belief! 

When XXXX acquired my XXXX one loan consolidation in XXXX it was a Direct Loan : there were no other loans to consolidate or add to the consolidation ; the two loans and one consolidation added to my XXXXXXXX account by XXXX are bogus ; the two XXXX XXXXXXXX XXXX from XXXX were cancelled in XXXX never disbursed, XXXX dollar value, did not exist after XXXX, they were cancelled and not part of the XXXX one loan consolidation because they were already cancelled non-existent. When something is cancelled it no longer exists can not be resurrected! 

My one loan consolidation of XXXX has been Directly owned by the Federal Government since XXXX. This is how that happened. It was purchased during the buy up in the XXXX financial crisis by the Federal Government Department of Education bailout for financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a wire transfer from a family member of {$6000.00} for college and living expenses. After using my debit card twice, USAA blocked my card, and told me they would be closing my account down without any reason specific other than they have the right to. I never had any fraudulent activity with USAA or any financial institutions. I keep calling them everyday asking for a closing date but every agent gave me a different response each time I called. I still dont have access to my funds or the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account 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.

| The accounts below have violated my rights.

| 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.c 1681 Section 604 A Section # * It also states a consumer reporting agency can not furnish a 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 tem 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 ) ( a ) A person shall not furnish any information relating id a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XXXX XXXX XXXX Account 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 2023-04-15
Company: EQUIFAX, 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been sending in the proper paper work to all three credit reporting agencies, the agencies refuse to verify my debit with any original signed agree with me and companies in question. I also have been a victim of identity theft. I would like my report to be correctly reported.

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 2022-04-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been contacted by, nor have I ever contacted I.C. System, Inc. or XXXX XXXX. I have never held an account with I.C. System, Inc. nor have I ever held an account with XXXX XXXX. On XX/XX/2022, I was notified by XXXX of a new collections account that was flagged by I.C. System, Inc on XX/XX/2022. I have no knowledge of this account. There has been no attempt made to contact me regarding this account.

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 2020-08-31
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 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.

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