BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/XXXX, I began to receive phone calls from a company called Medicredit , Inc. regarding medical debts they claimed I owed them. To the best of my knowledge, I have never had a relationship with or received services from them. In addition, I never received a letter from Medicredit notifying me of the debt and did not have the chance to dispute it prior to receiving the phone solicitations. 

On or about XX/XX/XXXX, I began receiving letters claiming the same debts. I immediately responded with a " debt validation letter '' requesting that they provide all of the correspondence they believe they have sent to me along with the name and the address of the original creditor and supporting invoices. The letter explicitly including a request that Medicredit not contact me by phone and conduct all communication in writing. 

I have continued to receive phone calls from Medicredit despite this request ( the latest being XX/XX/XXXX ). I have also not received the written validation of the alleged debt. This is likely because they are attempting to collect amounts above what were negotiated and paid by my insurance company. According to my insurance company, the negotiated claim amounts have been paid in full and I owe nothing. 

Since Medicredit is unlikely to prevail in any claim against me, I believe they are hoping to intimidate me into payment by violating the provisions of the FCRA related to allowable methods of contact and providing proper validation of any alleged debts within a reasonable time. I request that Medicredit cease all improper collection efforts and that their business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2017, I was doing a modification with Ditech financial. I summited all proof of documents that the mortgage company required for the modification and even they have all court documents regarding with my divorce. I explained my situation and after of this process, I did payments as tryouts for 5 months and later said yes you qualified. 
But I was waiting for a later and how much I have to pay every month and I never got it. I been in a fraud, only they took my money without any answer. I did all human possible to keep my property and they only played with my situation. It is not legal even fair, I was all the time able to do my payments without answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
XXXX XXXX XXXXXXXX ( This is not accurate. please remove this inaccuracy from my report ). 
XX/XX/2019 Inquiries : 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is continuously furnishing false information to my credit report intentionally tarnishing my reputation. 

On XX/XX/2023 I called TransUnion to inform them XXXX XXXX XXXX account # XXXX ( account ) is a fraudulent account. The agent told me the investigation would be launched into the account and to send in any proof I had. That same day I mailed the company a copy of the original contract, a letter from the XXXX XXXX XXXX stating the original creditor of the account refused to go to arbitration and a letter requesting TransUnion remove this account. 

The account should not be on my credit report. The contract I had with the original creditor is fraudulent. It was altered without my permission and the company is completely ignoring me. They are refusing to go to arbitration and will not answer any correspondence. 

TransUnion did not perform an investigation or reply to my letter. I sent another letter certified USPS mail tracking # XXXX. This letter reiterated everything I had stated on the phone with the agent and everything that was in both letters. See Exhibit A I have yet to receive any response from TransUnion and the account is still on my credit report. I can not find a place to live because of this. TransUnion is causing extreme stress and anxiety. I have no idea what I am going to do or where I will be living soon. 

I have exhausted all options to remedy this with TransUnion without legal measures but it seems I have no choice. This will be my final attempt before proceeding to federal court.

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 2021-07-03
Company: EQUIFAX, INC.
State: NC
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, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Marlette Funding, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database XXXX Please delete this collection from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2021-03-15
Company: EQUIFAX, INC.
State: LA
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've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I joined Chime almost 5 years ago. Its been a great bank. Then, XX/XX/2021 my account was compromised by someone who has an old ID of mine. They changed the email and phone number and locked me out of my account. I immediately called Chime to notify them I got a notification my phone number changed which I didnt change. They had me send in Identity documents including a selfie of me holding my ID. After several weeks, they corrected all my info back to the original information and then immediately closed my account. They mailed me a closure check for {$24000.00} on the XXXX of XXXX. When I received the tracking information, on the XXXX, it was already out for delivery in the WRONG state. I immediately called and asked how did this happen, I specifically instructed them not to modify the address because this hacker has my old ID and will be able to cash the check. The cancelled and reissued check. After going back and forth with them over the week about details of the suspected hacker, was told by several agents the new checks were set to arrive at the correct address today, Friday the XXXX between XXXX. It never arrived and my fear is that somehow the hacker intercepted the check again. I cant confirm because they havent provided the tracking details still. Upon calling them in a panic, was told there was not a new check mailed. I havent been to the grocery store since XX/XX/XXXX. I havent eaten in two days. I have no gas in the car and cant leave my home. They dont even know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my extreme dissatisfaction with the manner in which my multiple attempts to rectify inaccuracies on my credit report have been handled. Despite repeated efforts to correct late open accounts on my credit file, the issue persists, causing substantial harm to my financial standing and overall quality of life. 

These late open accounts are causing substantial damage to my credit score and financial well-being. I have diligently followed the proper procedures for disputing these inaccuracies, including submitting supporting documentation and adhering to the statutory guidelines outlined in the Fair Credit Reporting Act. 

Despite my efforts, the errors remain on my credit report, and no corrective action has been taken. I am deeply concerned about the adverse effects these inaccuracies are having on my ability to secure loans, credit, and employment opportunities. 

I have attached copies of all correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and timely investigation into the matter to rectify the inaccuracies on my credit report. 

Furthermore, I kindly request that you provide me with a written response detailing the results of your investigation, along with any steps taken to correct my credit report within 30 days of your receipt of this complaint, as stipulated by the Fair Credit Reporting Act. 

In addition to the corrections, I also request that the credit bureau provide a written statement of the actions taken to prevent such inaccuracies from reoccurring in the future. This is essential to ensure that other consumers do not endure a similar ordeal. 

I am also willing to cooperate and provide any additional information you may require during the investigation process. 

Failure to address this matter satisfactorily will leave me with no alternative but to pursue legal action to rectify these inaccuracies and seek damages for the financial harm caused by this situation. I am asking for your assistance to correct the following late open accounts in my credit file : 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 2019-04-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 : Applied for a Chase/United Airlines credit card using an offer code that I received aboard a recent XXXX flight. The promotion offered 50,000 air miles if I spent {$3000.00} in the next 3 months. 

On XX/XX/2019 and XX/XX/2019 : Received an email saying I was approved for a United Explorer card for  which I would 40,000 miles if I spent {$2000.00} in 2 months and 20,000 more if I spent another {$8000.00} ( total of {$10000.00} ). I immediately called to complain and was told I would have to call back when their " partner verification process was complete in 3-5 days ''. 

XX/XX/2019 thru XX/XX/2019 : I called every day from the 3rd day on to try to resolve the issue and was told everyday that the " verification process '' was not complete even though I had already been approved. Finally, on about XX/XX/XXXX I was told it was complete and they would expedite the delivery of my card because of the delays. I asked about the issue with the wrong promotion and was told the matter would be forwarded for resolution and that someone would get back to me within 7-10 days. 

XX/XX/2019 : I received my card via expedited delivery. 

XX/XX/2019 : I did not receive a response within the 7-10 days so I called. I was told that the matter was closed with no action because I received a " better '' offer than I applied for and so they could not " downgrade me ''. I asked what they meant about better offer and they said since I had the potential of getting 65K miles versus the 50K that was on my promotion it was considered a " complementary upgrade so now I can not be downgraded ''. I explained that I understood why it's an upgrade for THEM, but not for ME, since now I have to spend {$10000.00}, but I only intended to spend {$3000.00} so now I only get 40K miles for my {$3000.00} instead of the advertised 50K miles. I asked to speak to a supervisor and was told exactly the same thing ( i.e., " we can't downgrade your offer '' ) by the supervisor. I have the names of the representative and supervisor if that is needed. He was told I would receive a letter about the " resolution '' of my initial complaint in the mail, but that has never happened. 

I asked for another supervisor, but was told that there was no one above him that was available by phone. I was told that I could write to the company headquarters, but they will tell you the same thing. I reiterated that I thought that it was false advertising since I had no intention of spending {$10000.00} and that I just wanted the promotion that I applied for. Again ... '' sorry, can't be downgraded ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: United Credit Education Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I GET THE UCES PROTECTION PLAN AND I MAKE ALL MY DISPUTES ON XX/XX/2021, AND NOW 59 REGULAR DAYS THEY DON'T MAKE ME ANYTHING WITH MY DISPUTES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XX/XX/2016

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 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been my 2nd attempt to clear all data. checking my file ive noticed all data reported is reporting illegal an fraudulent information. this has caused alot of denials on my credit report. please review an remove the listed items asap to clear my credit report.

Company response to consumer: Closed with explanation