BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-08
Company: CMG MORTGAGE, INC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am asking for help to have CMG Financial correct my escrow account. I have sent email requests and called on XX/XX/XXXX requesting to have CMG Financial review and correct my escrow account. My escrow account only included the City Property Tax and Hazard Insurance,  nothing else. CMG Financial has decided to start paying the Fire Tax of {$970.00} which is causing a shortage in my escrow account and now they want to increase my payment for their error. I have followed the process and waiting over 30 days but they have not responded or fixed their error. I called again today and they don't know how long it will take to research and correct the issue but want me to make the increased monthly payment due to no error on my part. 

I thank you ahead of time for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't 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 non-monetary relief
Consumer complaint received 2017-11-07
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: Account information incorrect

Complaint:
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 2023-03-20
Company: EQUIFAX, 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:
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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS 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 explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and saw several inaccuracies. I disputed the inaccuracies and have yet to receive results from Experian. I disputed on XX/XX/19 where experian came back and said the account remains. I also disputed on XX/XX/19, XX/XX/19, and XX/XX/19. The bureau is reporting that an XXXX XXXX account that has been included in a bankruptcy. I have let them know I NEVER filed bankruptcy. I have even mailed the clerk of court to ask why they would provide that information the credit bureau if that is not true. They returned a letter stating they do not furnish any information to credit bureaus. That letter is attached with this complaint. Experian refuses to remove this inaccurate account from my credit report even though they have not provided and legal documents or any valid reason why the account remains. I have requested a thorough investigation several times so that they can see they are reporting the information they are reporting is WRONG. Under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of a letter. There is no way they did an investigation and the account still remains with no explanation. They are not adhering to the FCRA by reporting this inaccurate information.

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 2020-11-04
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I Left my apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NM XXXX when i received the charges from leaving the apartment I noticed the amount owed was completely incorrect. I was being wrongfully charged, so i decided to reach out & dispute with the original company ( XXXX AKA the XXXX XXXX ) about the incorrect balance owed. On multiple occasions & even calling them but no response was ever submitted back to me. Once This in-accurate debt started posting on my credit report through CBF SERVICES I made multiple attempts to reach out to CBF SERVICES & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with CBF SERVICES. 

Dates attempted to reach XXXX AKA the XXXX XXXX XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX ( Via email ) Dates attempted to reach CBF SERVICES ( Via certified mail ) XX/XX/XXXX & XX/XX/XXXX CBF SERVICES Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My tenant paid me on XXXX XXXX  via Zelle money transfer. I was supposed to get it that day but either Zelle or my tenants bank, I believe, XXXX XXXX has not transferred the money until today, XXXX XXXX XXXX XXXX XXXX XXXX 
I have called my bank, XXXX XXXX, and they said they had no control over Zelle or knowledge about transfer and that my banking side is good. My tenant called her bank, I believe, XXXX XXXX, and they said to call Zelle. 
Calling Zelle does not connect you as the prompt does not connect but suggests to contact a bank with whom one used Zelle. 

My fear is that they use similar practices for many customers with minimum oversight and people maybe afraid to complain. I am not a criminal or fraud, my tenant has been using them as an established client and transferring money using same Zelle transfer services for a long time. 

Is there anyway to put a stop to it? I understand that they can say security measures were in place and holidays did not help but should it not be the case for established consumers that sent money to each other for quite sometime? Please assist and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Happy Money, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The original amount of my loan was {$35000.00}, but with only a few months to go, Payoff began reporting that it was only {$3500.00}, NOT {$35000.00}. This made it look like I had paid off NEGATIVE 9 % of the loan and owed more on the loan than the original amount!! I initiated a dispute through the credit bureau, but Payoff reported the {$3500.00} original amount was correct?! I called and emailed repeatedly and they finally acknowledged the error, but now two months after my initial dispute they STILL havent updated my credit report! Their error dropped my score 28 points while I am trying to refinance my house and they dont make an effort to fix it? Read their reviews on XXXX  .... theyre very upsetting!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 U.S.C. Sec. 1681. 


I told the XXXX, Transunion, and XXXX to reinvestigate these accounts ( 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 2020-08-08
Company: UMB FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I use to live in XXXX Nebraska. A fried in XXXX told me about a {$500.00} bank promotion with UMB Bank. You needed to open a checking account and savings account, then qualify. I opened the checking account on XX/XX/2020. I was able to open the checking account and UMB 's web site went down so I called in and the rep said to wait a day to open the savings to get the full bonus. I waited and i wasn't able to open the savings account. It was denied. ( I've read more than 100 complaints about this very bonus, people who opened the account, then it was locked. ) Yesterday I tried to access my checking account online and it was locked. The email said to call in. So today I called in and the rep was so useless she said she couldn't tell me why it was locked. UMB needed to verify information. So I said what do you want to verify and she said she couldn't tell me. After a few more minutes of getting no where I told her i didn't want to do business with their bank if they wouldn't answer my questions. I told her to close the account and she said she couldn't because it was locked. Again I asked why and she said she couldn't tell me. So I said close the account and I hung up. A few minutes after I hung up UMB called and I missed the call so I called back a another worthless rep said she had no record of anyone calling me. I tried to explain to her, someone just did. I gave her all the info she needed to look my info up, but she was less capable than the other rep, so I told her to close the account. I was told if I don't call back I can't have my {$250.00} opening deposit. The {$500.00} bonus is still being advertised on their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 7 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 5 TOTAL LATE PAYMENTS ON 2 ACCOUNTS THAT ARE CLOSED WITH NO BALANCE TO WHICH I DO NOT RECOGNIZE AND SHOULD BE REMOVED FROM MY REPORT PURSUANT TO FCRA 623 THERE ARE 3 INQUIRIES THAT I DID NOT AUTHORIZE PURSUANT TO FCRA 604 I'M DEMANDING THE REMOVAL OF ALL OF THEM

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 2023-01-06
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information on my credit report written below is inaccurate and fraudulent. I would like these items removed of off my credit. 

Radius Global Solutions 2022 Radius Global Solutions 2022

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 2020-11-10
Company: Atlanticus Services Corporation
State: GA
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 made a payment on XX/XX/2020 in the amount of {$41.00}, another payment on XX/XX/2020 for {$25.00}, another payment on XX/XX/2020 for {$12.00} and another payment on XX/XX/2020 for {$15.00}. I don't understand why I still have a payment due on XX/XX/2020 for {$29.00}. I have already made more than the minimum due before XX/XX/2020 however Aspire is still reflecting and notifying me that I have a payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: American Coradius International LLC
State: CA
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:
Received collections letter in the mail that XXXX XXXX had sent my account to collection and that my balance was {$360.00}. I contacted XXXX and they said my account was never sent to collections. 

Letter sent by American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to American Coradius International LLC XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with www.acibillpay.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from XXXX five days ago. Midland Credit has continued to call from this number. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. This company should be prevented from conducting any additional calls as this is now being harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
1 Collection account and hard inquires are not metro 2 compliant. I would like these items removed before I take swift legal action.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A loan for a non-degree certificate program I participated in ( XXXX XXXX ) was sold to a XXXX party servicer. I recently received notification of a missed payment from XXXX XXXX. It also appears that XXXX XXXX credit reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of XXXX  was applied to the principal balance, but Stride and XXXX XXXX have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am unemployed. Under the agreement from the program per the program contract, payments can be paused for up to XXXXXXXX XXXX at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX XXXX  in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX has continued calling me XXXX  times a day. The XXXX XXXX XXXX  reviews on XXXX XXXX reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers.

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