BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Began communications with Intercontinental on XX/XX/2019 with XXXX XXXX Mortgage Loan Officer at Intercontinental Capital Group, NMLS:XXXX. We talked about the FHA streamline loan in which they sent out a letter saying that I qualified for it. XXXX proceeded to ask for my competitor 's quote who was at the time XXXX XXXX  company to see if they could beat it. He proceeds to say per the email on the XXXX that he would call me back to see if they could beat it. Mind you that every firm has had my estimated taxes for 2019 and beyond to be at least {$700.00} as you can see on XXXX XXXX  quote attached and also you can see on Intercontinental Capital Group 's initial loan commitment they quoted me that my taxes would be {$710.00}. 

I closed on the loan on XX/XX/XXXX with the understanding that my new payment would be {$1700.00}, down from the {$2500.00} that I was paying previously with my old loan servicer. I was promised that everything was correct and that there was no error in my new price quote for closing. Please refer to this email between me and XXXX XXXX From : XXXX  XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX - Loan Commitment " I'm not comfortable with signing with a notary until I hear back from you all on final details on my loan. I still have some questions that have yet to be answered about my interest rate and final numbers and also about my escrow account from my previous loan being sent back to me. '' The next email sent came from the individual below who set up a phone call to ensure that the final number was correct and that my escrow account was on without error for closing. 

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  to me For sure, I will be calling you shortly, our closer is working on your file. 

They proceeded to send my loan for closing to XXXX XXXX XXXX who was aware of the entire situation of the taxes being intentionally filed short of required standards. 
Their contact information is below. 

XXXX XXXX Escrow Officer/Office Manager XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX XXXX XXXX short I was given a misquoted escrow account at my expense due to negligence and shrewd underwriting practices of the Intercontinental Capital Group. To explain further they sold the loan to XXXX  XXXX XXXX XXXX shortly after they refinanced my loan. And now XXXX  XXXX XXXX XXXX wants me to pay for the negligence and shrewd underwriting practices of the Intercontinental Capital Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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:
All 3 credit bureaus XXXX, XXXX, and Experian will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( 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 2020-12-03
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a Washington Employment Security XXXX  Prepaid account. On XX/XX/2020 at or around XXXX I logged on to my online account and found transactions that were dated XX/XX/2020 as follows : Funding Transactions ADD FUNDS - ACH  FED Card No Amount IDES  CARD PAYMENTS XXXX {$740.00} Card Transactions MC  PURCHASE Card No Amount XXXX.XXXX  XXXX, XXXX - {$110.00} XXXX Fee Transactions XXXX   XXXX XXXX XXXX Card No Amount XXXX XXXX, XXXX - {$3.00} XXXX I quickly investigated ( online search ) and found out the funding source was the Illinois Department of Employment Security , the transaction is a XXXX women  's online clothing store and the subsequent international fee. 
I called my bank I was on hold for more than an hour to no avail. During my hold I refreshed my logon and the transactions were gone. The card number for the transactions as never been held by me I still have my original card from years ago. Also I have yet to see my funds deposited today as the are normally available every Thursday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX  XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : 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 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 2023-06-13
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-01-05
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello XX/XX/XXXX I went to log into my chime account, an i got a notice YIKES my bank account has been suspended XX/XX/XXXX After finding out about my account being suspended i contacted Chime fast an i was told to email them documents i did that that i get a automated email stating thank you for reaching some one will get back with you as soon as possible. 
XX/XX/XXXX I sent more emails I called plenty of times whole a lot of times an was told the same thing i have to wait until support team get in touch with me. 
XX/XX/XXXX I'm XXXX at this point cause my paycheck just went into my account that morning i called an asked if their was a direct deposit an a chime member said Yes but being tho my bank account is suspended your dd went back to your employer please allow 1-3 business days for your employer to get, so now my rent is due an my utilities are due pass due i have no food an i have no gas money i have to switch banks on top of that my Stimulus check was suppose to get deposit into this account as well i just want to know where are direct deposits an how long is it gon na take for me to get my money? I don't want the bank account after that i don't want to deal with chime no longer dealing with chime will have your life a mess a reck an then some I will never in my life deal with chime again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mid South Adjustment has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Mid South Adjustment provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Mid South Adjustment has failed to provide any original copies of verification obligating myself to this debt and only has been able to provide a screen shot of a bill. Mid South Adjustment has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have 7 Chargeoff accounts on my credit report ( Express, XXXX, XXXX XXXX XXXX, XXXX, Forever 21 and Victoria 's Secret ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call Commenity bank because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX credit so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. EXPERIAN HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX  WHICH IS ON MY EXPERIAN CREDIT REPORT SINCE XXXX OF XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT EXPERIAN INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX  OVER THE INTERNET IN XXXX OF XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX   DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX  FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
called TRANSUNION ... trying to tell them I am a victim of identity theft, I told him why would I run my credit over and over with the same company 's and I already have a bill with one of them. guy didn't try and listen to what I was saying brush me off and I tried explaining to him I already contacted XXXX and they are working on it to get it fixed. he told me I need to mail a police report for inquires. 
XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical bill was found on my credit report from XX/XX/XXXX from National Business Factors Inc. ( file # XXXX ) ( XXXX ) XXXX by XXXX XXXX ( manager ) for charges incurred while I was XXXX in the XXXX XXXX County XXXX in XXXX XXXX XXXX XXXX CA on XX/XX/XXXX. As an XXXX in custody ( XXXX XXXX XXXX XXXX @ XXXX ) is under contract with the county of XXXX XXXX and the State of California to provide medical care for XXXX while XXXX The charges were incurred from XXXX XXXX while in XXXX XXXX XXXX custody. I was homeless and in custody  during this time. I was XXXX  on XX/XX/XXXX and was released on XX/XX/XXXX. This bill should not be billed to my credit report as my insurance benefits ended upon XXXX  and were then covered by the XXXX provider. XXXX XXXX XXXX XXXX XXXX @ XXXX. I have been unsuccessful in getting any support or response from the XXXX provider, but was informed by XXXX XXXX that the claim was not settled. XXXX from XXXX XXXX County XXXX informed the insurance company that I was not in custody during this time while making contact with the insurance company on XX/XX/XXXX. I have a Department of Justice report proving that I was in custody when the incident occurred. This account should be covered by the State of California, and County of XXXX XXXX. This bill has devastated my credit as well as caused my family extreme hardship during COVID 19.

Company response to consumer: Closed with explanation