BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
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:
accordance with the Fair Credit Reporting act 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 # 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 2023-12-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
a collection agency placed something on my credit report for the sole purpose of using it to collect money. This is an abusive tactic that should be stopped! I was told by Fair Collections and Out it was placed on my credit report to them collect the money. At no point in time did they, or the original credit ever place all the positive payments on the credit, they did not make an appearance until they decided to weaponize the credit report. 
It is misleading to other creditors who only see a charge off, and never say the 2 years of perfect payments before that. If they want to report the negative, they should be required to report the positive as well!

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court XXXX XXXX XXXX Mississippi which is false. I have attached a letter from the United States Bankruptcy Court XXXX XXXX XXXX Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this 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 2017-02-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To whom concerned : I received paperwork from Ditech Mortgage my Homeowners/Hazard Insurance for property XXXX ( account number XXXX ) was expired or cancelled dated XXXX. I have no Insurance Escrow on this house and have been paying this Insurance since the mid 90 's. The enclosed current Bill statement from XXXX dated XXXX shows a prior balance of {$600.00} and a current balance of {$550.00}. The next Insurance payment will be {$58.00} due XXXX. Policy coverage on Bill statement is from XXXX to XXXX. I have no record of XXXX cancelling or policy expiring. I also have enclosed current Insurance Policy, Number XXXX showing current protection for XXXX. I am writing this letter to your Bureau today- XXXX and will be faxing the proof of Insurance ( Hazard ) and current XXXX Insurance Bill along with sending these Certified Mail XXXX to Ditech . I also sent you ( CFPB ), Ditech 's letter stating Hazard Insurance expired and/or cancelled. Ditech explains in letter that I have 45 days from XXXX to send them required proof of insurance. I will send you ( CFPB ), Certified Tracking Number after mailing subject paperwork to Ditech. I am informing you prematurely since Ditech as not officially assumed responsibility of paying Insurance. 
Respectfully I want to Thank You for your assistance and professionalism that you have provided, clarifying confusion and error in a ever changing mortgage world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Mortgage Research Center, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. Veterans United has notified me that XXXX XXXX  XXXX XXXX XXXX is a debt collector and is servicing my loan. I would like XXXX XXXX XXXX to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.

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 2017-03-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase Bank refuses to send a debit card to my address of record in retaliation for filing a previous complaint lodged against a branch manager at a XXXX, Washington office. The XXXX branch manager had refused opening a checking account based on my race : He did not accept the reality there were XXXX living in former XXXX only areas. 

Its banking representatives offer excuses rather than solutions. Back on XX/XX/2017, there was a bank request for a debit card with a seven to ten day estimated time of arrival. It did n't arrive by regular postal mail by XX/XX/2017, so it was necessary to call telephone banking to resolve the issue ; especially, since the building of residence has controlled access points, and the personal mailbox key belongs to the bank account holder. After speaking with XXXX customer service representatives by telephone, neither of whom were willing to provide any written documentation regarding the debit card, it was necessary to visit the local branch office. 

On XX/XX/2017, the helpful branch manager at the XXXX, Washington location ordered another card by XXXX 2 day expedited delivery with an expected arrival date of Monday, XX/XX/2017. The debit card never arrived. It was necessary to contact telephone banking services on both XXXX and XX/XX/2017 and express dissatisfaction with customer service because someone had intercepted the bank card during transit. A banking representative person in charge first stated the bank did not re-send the debit card to the address on record because of the account was less than 30 days old and it was bank policy not to send XXXX cards to the same address. When told neither the first nor the second bank arrived to the address on record, another banking representative claimed there was a change in address and the bank not be able to send a debit card for thirty days. I adamantly demanded to know who placed account restrictions and for what reasons because someone had internally flagged it ; in addition, I demanded to know what party made an unauthorized change of address without either my knowledge or consent because since I had made none. Then it was necessary to tell the banking representative person in charge that Chase bank will not send a debit card to my home address of record because it was participating in racial discrimination. 

Although both XXXX and XXXX have validated the address on file with Chase, the bank still refuses to send the debit card because of a previous negative encounter with the XXXX branch manager who made an internal complaint flagging the account for suspicion of fraudulent activity based on his claim the address on file was not valid. The branch manager had acted in a vindictive manner in retaliation for filing a formal complaint of racial discrimination with Chase executive offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It Many Concern : XX/XX/2019, I sent a settlement payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the law office of XXXX XXXX XXXX/Tidewater Finance Company account. My attorney was told that once payment was received the settlement would be reported to all three credit bureaus. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Tidewater has reported the account is still charged off with a balance of {$10.00}, XXXX. The continual reporting the wrong information is continuing to hurt me and my husband 's credit. I have called Tidewater directly about this matter and was told it has been reported. The attorney on the case has been contacted by email by me on two occasions and my attorney on two occasions. It is now XX/XX/XXXX and all three credit bureaus does not have the correct information. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX have conspired against consumer by adding negative remarks. This is a response just for you two

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Grain Technology, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened up an account with Grain Technologies, an online line of credit provided by an app. I was awarded {$1000.00} and the amount was deposited to my checking account. This also reports to my credit report. I wanted to log in and payoff this balance and close my account. When I logged into the app, it said It needed to verify me, and requested I upload a copy of my drivers license. It then says verification can take up to 5 days. That was XXXX weeks ago. I have attempted to call the Grain Technologies customer support phone number, which does not have a live person or voicemail option. It is nothing more than a pre recorded sales pitch. I then sent XXXX emails over the past week. Each provides an auto reply that said I would hear from someone within 24 hours. That has not happened in either case.

I am demanding that a member of Grain contact me within 24 hours, provide me with a pay to payoff this account and close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: CA
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:
CBNA CBNA, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX I demand this be inquiry removed immediately its not 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 explanation
Consumer complaint received 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have told Trans Union numerous times that they are reporting XXXX inaccurate, it is not currently 30 days late and that this account has been paid off for more than 3 years. Please see reporting below, the status should appear as paid and not delinquent. 

Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XXXX Status 30 days late ( this should say paid ) Loan Term 72 Loan Type Auto Loan Opened XXXX Reported XXXX Remarks Dispute resolved ; customer disagrees Creditor Information XXXX XXXX , GA XXXX Phone # : 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 2022-04-29
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unauthorized opened checking account done under my name without my authorization. Received letter from Chase Bank on XX/XX/2022 regarding activity activity on checking account and that account will be closed. Received business debit card in the mail under my maiden last name today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

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 2015-08-13
Company: DYNAMIC RECOVERY SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The company Dynamic Recovery Solutions has placed a collection on my credit report and also calling me everyday. It says that it is a collection from XXXX XXXX hospital from 2008. This the XXXX that I 've heard of this. They swear that it 's me, but it 's not. There are 3 other people in this city that have the same name as I. They do n't even have the correct address for me and I 've been in my same house for over 15 years.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-15
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: ID
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-12-22
Company: Weinman Acquisition Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a voicemail from a woman claiming to be a " legal courier for the county. '' She claimed to have attempted to serve me legal documents at my residence and place of employment, which has not happened. She also claimed that she must surrender the documents as a refusal to sign and that I missed my court appearance, and I was to contact the filing party at the same phone number she called me from, which leads me to believe she is not who she claims to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I agreed to paid to delete for XXXX. They took first payment out of XXXX on the XXXX and I have laid XXXX already with 2 payments left. Once we agreed they reported to credit bureau and they weren't supposed to as I was never contracted with them originally. I was willing to pay off portion as a show of goodwill under certain conditions They would not list this debt as a settled account Company would not sell or transfer Would not mention to outside third parties etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  is reporting negative information in my credit file. I’ve requested validation bearing my signature multiple times and they have failed to provide this information.In addition I’ve received notifications from the credit bureaus and XXXX XXXX stating that the account has been removed from my credit file. As of today the account is still reporting negatively. I am asking for this account to be removed immediately. I’ve attached proof showing the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: NAM National Arbitration and Mediation
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Some place called ADR GROUP keeps calling harassing me telling me I owe money from a payday loan from 2010 and that is I do n't pay it I will be arrested. They have not sent me a bill or any information concerning the debt. However I did pay them XXXX $ for 4 weeks because I was scared because they kept threatening me. They have even called my family telling them I owe money and that they are looking for me & they need statements from them.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I forget to renew my income based repayment, so I have a 30 day missed payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have Federal and Non-Federal loans being held by American Educational Services. I had affordable payments of {$23.00}. Then, I went into forbearance. Now, my payments are {$100.00}. The bill was dated XX/XX/2017. I just received an email today informing I owed a balance. When I look at the account, it is showing delinquent. I have gone round and round with this company. Both, my husband and I lost our jobs. There is no money to pay this bill. I can make a monthly payment of {$5.00} ( as it states on their site as a suitable minimum ). If they put me in forbearance the only thing that is going to happen is in 6 months to a year, my payments are going to shoot back up to {$100.00} or even more. I do n't have the income to make these payments. And, this company and XXXX have not worked with me to get me on affordable payments, inspite of my attempts to explain my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have filled numerous disputes with synchrony bank old navy credit card. Everyone has lied to me and I have submitted over 20 disputes and no one has help me. XXXX XXXX company charged XXXX in my old navy without my permission and no service was ever provided. I have many documents that this charge was done without my consent.

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 monetary relief