BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2015 I went to see my primary physician who was set to retire. According to the collection agency I owe for the visits but have a letter from my insurance provider it was paid to the hospital. During this time I was also made aware all my sensitive information was hacked from XXXX including my social and medical records. The doctor I saw no longer works for XXXX XXXX which I believe is making this problem harder to solve. 

Over the last 3 weeks I have called the collection agency and sent them documents with no response. Orginally I called in saying I had proof of paymeny and they didnt want to except it. I had to ask for a supervisor and get a run around before a WRONG EMAIL was given to me. I had to call back go through the same hassle and ended up with still no response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Owed : {$3000.00} ; XXXX  XXXX Balance XXXX : {$1700.00} ; XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX XXXX. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?

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 2022-11-14
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: MB FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint # XXXX should not have been closed just because XXXX XXXX   responded refusing to do anything. In XXXX I received an escrow surplus of {$1500.00} with a form ( attached to original complaint ) to add more to the escrow acct to cover any increases in taxes and insurance. I returned this form with a check for {$500.00} in XXXX. I was notified in XXXX that my XXXX payment was being increased {$20.00} to cover an increase in taxes. I complained to MB and they ignored me. I complained to CFPB and you have apparently accepted MB 's response. On or around XX/XX/XXXX, MB Customer Service Director, XXXX, called me and admitted they had more than sufficient funds in my escrow acct to cover the increase but refused to analyze the escrow acct and adjust the payment. Yesterday I discovered that my monthly mortgage auto draft to XXXX XXXX had not drafted and was several days late. I called MB found that XXXX had cancelled my auto draft payment. I had no knowledge and received no notice of this cancellation. This is clearly retaliation and could have damaged my credit. I immediately requested the ach be re-instated and that someone higher than XXXX call me. This is abusive behavior by XXXX XXXX. It makes no sense to refund escrow funds greater than the increase in taxes and insurance. Please stop this and allow mortgage holders on fixed income to keep their payments down. Why does MB deposit funds to the escrow account to cover increases in taxes and insurance yet does not apply those funds for the stated purpose. MB has both deposited my {$500.00} check to my escrow acct and collects {$20.00} a month more each payment to cover increased taxes. How is this acceptable?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX Account # XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have a right to privacy. 
15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-04-18
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX bridges and tunnels The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXXXXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Corp. is refusing to provide payoff statements for customers to pay off their mortgage. When payoff statements are requested, even through multiple channels, they are ignored indefinitely. This is a repeated and ongoing issue with this company. Upon making a follow up call to customer service, they state that there is a turn time of 3 business days, even when the request was first placed longer than 3 business days prior. They refuse any sort of remedy, refuse to allow the caller to speak with a supervisor, and continue to walk the customer in circles. There isn't any sort of customer service, it is merely a way of dismissing anything that might be an inconvenience to their staff. It should also be noted that this company has a large number of CFPB complaints.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019, I submitted a request via USPS mail to Experian for further information about 6 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 6 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Experian contacted the source. I also requested to see the original contract or service agreement.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 USC 1681.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23, I submitted XXXX XXXX transfers of {$200.00}. Upon realizing that I was the victim of a scam, I reported this to Chase Bank. Chase opened a fraud claim ( # XXXX ) and on XX/XX/23 informed me that " no action will be taken '' and that " this is resolved ''. 

While I acknowledge that I initiated this transition, I am disappointed that the " investigation '' yielded no tangible information. I am employed by a member bank, one of the seven banks that own XXXX through EWS. I was recently versed on Reg E., XXXX, and fraud through my work at the member bank. Chase failed me on many levels and will continue to provide poor service unless the CFPB puts a stop to them. 

Chase did not ask me for the email evidence proving that this was a scam. I offered it. I'm suspect that an " investigation '' took place. Wouldn't it be in everyone 's best interest to find these bad actors and ban them from using the XXXX network?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXX to XX/XX/XXXX were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.

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 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I started working with XXXX XXXX XXXX to pay off this credit card. The card was paid through XXXX on XX/XX/19. I have called XXXX to try and get this paid off account listed as such with no action taken. Please help since this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Collection Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter dated XX/XX/2023 that threatened legal redress if I did not pay on a medical bill. The address of the lawyer is in a state I dont live in and have no history of doing any business in. I called the original doctors office to verify the debt, and learned that the amount listed on the letter has a fee of {$120.00} added on top of the original bill amount. I called the debt collection office and said I wanted to pay but only the original amount ; I dont think I should have to pay fees on medical debt. I spoke to 2 different women and they were very rude. They yelled at me, shamed me for not taking care of my business, refused to let me pay my original bill amount, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was given a private institutional loan from XXXX XXXX  called a XXXX XXXX loan in the XXXX  of XXXX XX/XX/XXXX. The amount was {$10000.00}. I filed for bankruptcy and it was discharged on XX/XX/XXXX. This debt was included in the discharge. It is not a federally backed student loan. They continue to report this debt to the credit bureaus. I am attempting to buy a house and use a down payment assistance program. The account continues to show in collections and they will not remove it. I have contacted XXXX and the collection agency they sold the debt to, XXXX. This is the response that I get from XXXX The consensus that Ive found concerning your loan is that it is not dischargeable. It is covered under 11 US Code, section 523 ( a ) ( 8 ) ( B ). So, I will not be able to write a letter to your bank about any change in the loans status. If you have any questions, please let me know.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with The Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to Privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a Consumer Reporting Agency can not furnish a account without my written instructions XXXX XXXX XXXX Date Opened XX/XX/2022 Amount owed {$6000.00}. 
Account # XXXX I have called them and tried telling them this is not my account.

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 2023-08-20
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023, a {$200.00} Vanilla Visa gift card was purchased at a XXXX in XXXX and gifted to us. The package was seemingly untampered with and completely sealed. 

Upon opening the card, the XXXX to XXXX digits of the 16 digit card number were scratched off as well as the security code on the back. The card was activated in store ( electronic card activation receipt attached ) but we have not been able to purchase anything with the card. I believe the cards have been tampered with and used before we have even opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: MI
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; 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 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 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Problem with personal statement of dispute

Complaint:
Back In XXXX Of 2021 I applied for a loan with XXXX. Now in reference to there responses, the company website clearly mentioned no credit check meaning the contract states the company can report or check credit scores but online it doesnt mentioned anything as such. The company needs to provide a full explanation explaining why the website states one thing and the physical contract says another. No credit check means no credit check and Ive dealt with leasing companies in the past that advertises no credit check and its not on my credit report at all. Stop falsely advertising your website if its a actually credit check and Im still reporting this company to the Attorney General for an complete investigation because they are ripping consumers off with fees if you can not pay within 90 days of signing the agreement.

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