BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX FUDNING Has fraudulently trying to collect the wrong amount on a debt and has yet to verify such accounts with correct names and information. Accounts were opened fraudulently and trying to collect illegally without merit. 
XXXX Funding has yet to provide proper documentation for accounts and verify such debt. 

I don't know who is XXXX Funding and never signed up for any XXXX FUNDING accounts which this accounts are illegally opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Account Discovery Systems, LLC
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Referencing my past case XXXX The company is named Account Discovery Systems. They had impersonated a federal attorney, threatened to " serve me papers '', and contact my family members in another state to discuss my debt. They used the phone number XXXX on XX/XX/XXXX in an attempt to collect this debt. I told them they could just go ahead and serve me papers if they were really a federal attorney. Today on XX/XX/XXXX, I went around contacting my old creditors to pay off my bad debt, I only had one bad debt left to pay, and I found out it was bought by a company who then used Account Discovery Systems debt collection service, which is how I've deduced that they are the company responsible for these illegal actions, to collect this debt. The account is paid off in full, and I have receipts. However, they need to be held accountable by a court of law for their illegal actions in trying to collect this debt. 

accountdiscoverysystems.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, My mortgage company is Dovenmuehle. I have been trying to work with the loss mitigation department since last XXXX or XXXX so that my payments could be adjusted to avoid foreclosure. I was first on the forbearance program since XX/XX/2020 because my husband lost his job due to Covid. Around last XXXX or XXXX I got a foreclosure letter to my surprise because I thought I was still on the forbearance program. I was explained the forbearance was over and that I needed to work with loss mitigation so that they could put me in a program or adjust my payments. I was also given some type of consumer assistance phone number for assistance. I called that number and either they don't pick up or when they do they say they're going to email me a package and they don't. I always check both my inbox and junk mail every day. 

Not once was it explained to me that while I was working with loss mitigation that I needed to resume payment. I was under the impression that loss mitigation would put me in some type of program and from there I would make payments. Had I known they wanted some type of payment we would have tried to work something out. I have also requested assistance on their loansolutioncenter website. I have been trying to reach loss mitigation the past few weeks. I stay on hold for an hour until I finally leave a message. The voicemail says I will get a call back in 24-48 hours. I never ever got a call back. Today, I call and am very surprised, shocked, scared, and angry that my home is now in foreclosure when I have been trying to work with loss mitigation and no one is getting back to me!!!! I CAN NOT lose my home! PLEASE!!! I'M BEGGING! This is my children 's home. Please please please work with us. We will do anything! 

You guys can email, call, come over, anything. Please respond to me and work with me. I can not lose this house. We have nowhere else to go. We love our home. Our small children love our home. Please tell me what else you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Conn's, Inc.
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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 2023-05-04
Company: Bridgecrest Acceptance Corporation
State: AL
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 do not recall ever having this account/ Identity Theft

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry 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 2020-03-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the American Express SPG Luxury card based on the advertised promise that I would receive one ( 1 ) XXXX point certificate a year, starting after my anniversary date. 

The fine print says : " The Free Night Award will be automatically deposited into your XXXX XXXX member account 812 weeks after your Card Account anniversary date in the form of an e-certificate. '' This is false. My anniversary date was XX/XX/XXXX. 12 weeks would have been ~XXXX. I contacted American Express on XX/XX/XXXX and they apologized and said it would be issued soon. I have contacted the multiple times since then, including this morning XX/XX/XXXX, nearly 4 months later, when they apologized again and now say I need to call the number on my card to look into this. This is certainly not my definition of " automatic. '' In these months I had to alter my travel plans since I was not provided the certificate in the time frame advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XX/XX/2015 I had a conversation with a representative to agree to allow me to settle this account and once I pay the XXXX on the promise to pay date they will FORGIVE the remaining portion ; considered my account as settled ; adjust their records to reflect the settlement ; settled for less than full balance. 

Santander DID NOT do any of these statements per promised. 
They are still reporting this as a DERAGOTORY and as a CHARGE-OFF which they stated in these documentations that they will FORGIVE all balances once I pay the required amount. 
( Please review documents I sent to verify these statements please )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX XXXX : # XXXX, 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 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 2020-03-15
Company: Credit Management Control, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any bill in the mail or a phone call or email from XXXX XXXX XXXX XXXX regarding any debt whatsoever. I have received suspicious phone calls from various numbers that I assumed were spam because the only message that was left was a robo-voice saying " at your earliest convenience, thank you ''. Nothing regarding what it was about, etc. I received these robo-messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. Then I got an email ( XX/XX/XXXX ) regarding my credit score saying that I have an outstanding debt that is bringing my score down. I went to check and it says that I owe XXXX XXXX XXXX  XXXX   {$300.00} and they are sending Credit Management Control ( debt collectors ) after me for it. This is the first I am hearing about any owed payment to them. I have not been to XXXX XXXX XXXX  XXXX since XX/XX/XXXX. The last message I have from them is from XX/XX/XXXX reminding me of that upcoming appointment. I have not once received any bill in the mail or had them call me about an outstanding bill. Furthermore, I had insurance that should have covered the services. But yet again, I was not contacted by them to sort out the situation. The fact that the first I am hearing about this is through checking my credit score is ludacris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  Account # : 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX and 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 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My Mother passed in XXXX and we are currently in forecloser at our property in XXXX XXXX XXXX and ( BANK of AMERICA ) sent someone to the house to winterize the property and they broke into the house without notification to ME the Executor of the property! My sister was still living there but was on vacation. These people went inside and went through my Mom 's jewelry box and they changed the locks so we couldn't get back in!! We are in Probate and are in the process of selling the property and they had no right to enter my house without notification!!!! 

Again Bank of America needs to contact ME before any other action is taken!!! 

Please help? .....

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called XXXX XXXX financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.

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 2021-08-16
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Apex Asset Management continuously sends mail to my address stating that I went to the hospital on XX/XX/20. I did not go to the hospital on that day. I did not receive anything from a hospital or place stating I went there. It must be identity theft and fraudulent activity against my name. I have health insurance and I would have used my insurance if I was there on that day. This information was sold to this debt collection agency in hopes I pay them for something that is not mine. I tried speaking to representatives but they keep telling me its my account and States that it was me who was there. I was not there on that day. I would like them to stop harassing me through mail, and not proceed any further without valid information. The hospital sold them my personal information and account which is not mine.

Company response to consumer: Closed with explanation