BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my case # : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

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 2023-06-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was incurred when I was taken to the hospital in XXXX of XXXX. I was using my mother 's insurance at the time and the insurance company wasn't even supposed to charge me because we'd already paid the deductible. They proceeded to send me the bill anyway, even though the bill should not have existed nor been sent to me since I don't pay the insurance premium. Then the bill was sold to the company currently holding it and they refused to remove it from my credit report, even after a dispute I filed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My dispute is about the below new account that is currently on my credit report. I never submitted any application or personal identification to Comenity Capital Bank Credit Card services. I have sent a letter to Comenity Capital bank about this fraudulent account. I also opened two disputes with XXXX and XXXX about this false new account on my credit report. 

I was told to make a report with this institution also about this matter. 

XXXX I think this is the fraudulent account number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reported to Trans Union the credit card was not mine and they verified the account was accurate. I dont have any information about the account except that it was opened with a XXXX XXXX It has balance of {$210.00} and a credit line of $ XXXX. As soon as it appeared I contacted Trans Union. I put a freeze on my credit reports and alerts on all three credit lines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX and XXXX I made my XX/XX/XXXX payment. for a total of XXXX for a mortgage loan monthly amount ofXXXXThis was literally a typo error. as soon as i was notified i paid more than the amount and the late fee. they never tried to contact me in the month of XXXX by phone, nor did they send correspondence till it was to late. I am, and have been ahead on my loan for years. I made an error and the company policy for Shellpoint mortgage is to report as late 30 days even if you are short 1 . the only reason a company would do this is to keep your credit score low so you will not be able to change companies. The company will not speak to me about the issue with a person who can help. They refuse to report the payment as partial, it only shows as a 100 % late and has caused me, and my business from getting loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Received a phone call in which First Federal Credit Control advised that they were attempting to collect a bill for Dr XXXX. They also assumed that I was XXXX XXXX though they did not confirm my identity before disclosing that I had a medical bill. 
2. I advised First Federal that I did not know who Dr XXXX was 3. First Federal reported this bill on my credit report First Federal was clearly made aware that I disputed this bill and they failed to provide supporting documentation as required of a data furnisher. They have not supplied the date of service, service received or any information about who Dr XXXX is or how XXXX XXXX intends to support this bill. First Federal reported this bill to my credit report without conducting a reasonable  investigation or supplying the results of a reasonable investigation. Furthermore, in their telephone communication First Federal both communicated the existence of a debt to a party without verifying that person 's identity, as well as disclosing protected health information. 

In summary, there are issues with FDCPA, FCRA and HIPPA in this one incident.If First Federal wants to claim that they did not know they were communicating with the consumer, they are guilty of disclosing both the existence of a debt and protected health information to an unidentified third party. If they want to claim that they were communicating with the right party, they are guilty of failing to conduct a reasonable investigation and supply validation of the debt prior to reporting to that consumer 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CURO Intermediate Holdings
State: CO
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:
I paid off my loan with speedy cash and it still says its open but XXXX paid off its showing as a negative impact on my credit and dragging it down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXXXXXX XXXX on Saturday XX/XX/XXXX at XXXXXXXX XXXX in the amount of {$4300.00} not an unusual amount I have been a realtor since XXXX. I have had Bank Of America since XXXX and this account change in XXXX do to fraud but I have been with them all this time. I get checks much higher. The bank has put a 10 day hold for no reason. First they said for holiday, than they tried to say it was an unusable amount which I proved was not than they tried to say it was an unknown bank XXXX is huge I have handled their foreclosed properties for years. The check was written from their XXXX account and the funds have never been an issue. I just sat at the XXXX XXXX branch for over an hour while they gave every excuse possible. The manger finally said that's how banks are now nothing he can do. The check is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC 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 2021-04-17
Company: AXOS FINANCIAL, INC.
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:
All charges where valid til XX/XX/2021 at XXXX I began seeing confirmed text messages of unauthorized transactions as follows : XXXX PST XXXX charged to Emerald  card XXXX PST 486.00 charged to Emerald Card XXXX PST  XXXX charged to Emerald  Card XXXX PST 306.00 charged to Emerald  card I was at work and left to locate nearest XXXX  Back to extract all remaining funds with a teller in an attempt to avoid further loss of funds from pre-paid federal stimulus funds on card. The teller at XXXXXXXX XXXX  XXXX XXXX XXXX in XXXX XXXX, CA XXXX agreed it was suspicious and got her manager to approve a full withdraw. Since atm has a limit and the fraud could continue if funds remained. I made three final transaction and got text records with left the card open and zero funds on balance. I then contacted the call center XXXX to report the unauthorized activity. After several dropped/disconnected calls of what sounded like the same voices on rotation, I finally got approved for fraud investigation ( team ) initiated XXXX XX/XX/2021. Only after two business days, XX/XX/2021 at XXXX I received a brief text message denying lability and concluding a non-reversal decision to the investigation. 

I immediately appealed the decision at XXXX XX/XX/2021. I have yet to hear of any follow investigation status to date. I also reported the activity to the IRS and HR Block. 

I'm utterly displeased I was a victim in a breech of cyber purchases or related with large chunks of funds missing in under 5 minutes time. The criminals seems to had activity access inside of the merchant or H & R block to gain access to my card which was rarely use inside any retail stores. 

It remains a unfair loss for me and my family during our opportunity to rebuild post pandemic status at the expense of someone else 's criminal intentions to steal. Also, negligent on the service depart hired to represent the Emerald card and merchant to its millions of customers. Sadly failure to maintain, protective and serve its members with highest security measures would be front line scope during a pandemic preventing any further financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Kindly be aware that the details on my credit report are inaccurate. The listed addresses, employers, and inquiries are not associated with me. I urgently request the removal of this fraudulent information. As my attempts to address this with the responsible institutions have not yielded results, I am now seeking assistance from a higher authority. Your prompt attention to this matter is greatly appreciated.

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 2020-04-12
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been asking since XX/XX/XXXX to defer payments due to covid19. I was told my loan was too new and ineligible for deferment. My hours were reduced on XX/XX/XXXX and my office closed on XX/XX/XXXX. I put down XXXX at the end of XXXX to purchase my car and made my next payment on XX/XX/XXXX. I am on biweekly payments and was unable to make a payment. I had a payment due Friday and Friday night my car was repossessed. Its going to cost me over XXXX to get my car back. I cant even put into words what Im feeling. The entire world is facing disaster. My state is under a state emergency. How was there no leniency regarding this? My balance due was {$320.00} and I was not even 30 days behind. The last four of my social are XXXX. Please. Please have someone look into this for me. I need my car. Please tell me this company can not be so heartless to repossess anyones vehicle during this time? Ive been calling twice a week sinceXX/XX/XXXX XXXX. Im reaching out with genuine sincerity in hopes of resolving this issue and getting my car back without suffering the outlandish repossession fees. Please help. You should feel ashamed. A human made the decision to take my car from me. How incredibly disheartening. # XXXX  # XXXX  # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # covid19 # coronavirus # repossesion # wheresmyeconomicassistance # XXXX  # thieves # covid19unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
have an account with both XXXX XXXX and XXXX 's clothing store overseen by Comenity Bank. 
On XX/XX/XXXX. 2021 I looked on both XXXX XXXX XXXX 's website to see what my payment for that month was. I find a letter on each site, show my credit limit was decrease due to my credit report. I would not had looked at website I would not had know why. 
Also change me a late fee on both account. 
Didn't gave me my XX/XX/2021 XXXX. 
Nor receive the XXXX I order which the company say was on back order and i would recovered it in XX/XX/2021 Item : XXXX XXXX posture XXXX order # : XXXX ( I did have a problem with XXXX XXXX XXXX  but after filing a complaint with CFPB they reopened my account because the were at fault. Thank you for that and my negative report from them has been reversed. 
Never had loan or real estate when I was approved for credit. Never had bankruptcy. 
Only problem with XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my car in full XX/XX/2021 with Mid Atlantic Finance. My payment in full was made a month early the supervisor that took my payment advised me I would be recieiving a paid in full letter along with payment receipt that reflects a XXXX  balance. She then explained I wouldn't be able to recieve those documents right then due to processing of the payment which would take 3-5 business days depending on bank, I used my debit card on file that is set up for automatic withdrawal that payment cleared almost immediately. However come Monday XX/XX/2021 I still havent recieved a email from the supervisor or anyone associated with Mid Atlantic I have called over 5x today, spoken with 3 supervisor that were EXTERMELY RUDE, they were not helpful and never sent me any emails even after repeately telling me I would after 5mins. I called back for the 6th time to finally speak with a supervisor that actually sent an email with an attachment however the attachment was nothing more than my payment history something I could see on the app The payment history still shows my monthly installment due to XX/XX/2021 nothing indicates the car is paid off. The supervisor did explain it would be 30 business days before I recieve my title, I have no problem waiting 30 business days for the title but i do have a problem waiting 30 days for paid in full letter or copy of reciept that reflects it was my last payment I am running into issues trying to trade in my car because it's simply showing I am still responsible for a payment and my car isnt paid off. Mid Atlantic Finance Company has by far the rudest customer service agents in the industry of customer service. They are not helpful, they are incredibly rude and just a horrible company to do business with. They charge {$6.00} when you make a payment, the only way to avoid the {$6.00} " service fee '' is to mail a check. The last supervisor I spoke with XXXX XXXX her email XXXX hung up on me while I was speaking and kept talking over me noy understanding my concerns externally unprofessional

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Medical Data Systems, 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 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 Medical data system inc XXXX XXXX Medical data system inc XXXX XXXX Medical data system inc XXXX  XXXX XXXX XXXX Medical data system inc XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$30.00} late fee twice in the past year. Payments were sent by check 10 days before the due date. Twice my payment was processed a day late only when I did not have an existing balance with them. 

Once in XX/XX/XXXX and again XXXX of XXXX. 

In XXXX my {$30.00} was waived. The XXXX late fee was not since I had already received this type of credit to my account in the past 24 months. 

I feel this credit card company does not have the staff or is intentionally applying late fees to their customers. 

I feel they are defrauding me and issuing a late fee due to their staffing or business practices. 

This has not occurred on any of my other payments to XXXX and XXXX... .EVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist. Thus, I couldn't be provided with the billing and payment history.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation