BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Credit Management Is the debt collector for XXXX XXXX XXXX XXXX in XXXX Arkansas. They are attempting to collect a debt of less than {$100.00} x XXXX. The hospital is aware that I have XXXX insurance policies. XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is XXXX XXXXXXXX. The last is XXXX XXXX XXXX. The hospital was notified that the XXXX is the primary but they still always claim the XXXX XXXX XXXX XXXX XXXX because it pays the most etc. They are breaking the law by picking and choosing which is best for them. They have put items on my credit report and causing me not to be able to use my credit. They need to delete their records on my credit and they should have to pay for their mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a customer of Discover Card for several years and have never missed a payment and also have an personal loan with them. XXXX payment history with them has been stellar and in fact they increase my credit limit without me requesting it. I recently received an e-mail from XXXX stating that Discover Card want to access my IRS tax information. I actually thought the e-mail was a fraud phishing e-mail, because I have never had a credit card company request to see my tax information. Given I thought this was a fraud e-mail, I deleted it. Today I tried to use my Discover Card to rent a car. I have a {$12000.00} limit and my balance is just over {$5000.00}. The card was declined. I called Discover Card and spoke to XXXX XXXX about the decline. He stated asked did I get the e-mail requesting my IRS information. I told him yes however, I thought it was a phishing e-mail. He state that they would not allow me to use the card unless I gave them access to my IRS tax information. I was shocked. I asked him was this legal. He didn't have an answer. I asked to speak to a Manager and he told me he would send the Manager an e-mail and they would call me back. I have been a customer for Discover Card for years. I have a stellar payment history as evidence by them increasing my credit limit without my request. My income has not changed since I first received the car, in fact it has only increased. However, there is no reason I should give a credit card company access to my IRS tax information to maintain a credit card. This should be illegal. I am really thinking about ending my relationship with Discover, however, this should not be allowed. I should not have to give a credit card company access to my IRS tax filings to maintain a credit card. Please help. I am also filing a complaint with my Congressman. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

The letters are stated with items and issues.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that TransUnion received all of the appropriate documents but they are still is reporting this information on my consumer 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 2018-03-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am contacting you as my mortgage company ( Cardinal Financial ) is engaging in fraud and trying to make me over insure my house, which is illegal. We have paid our insurances to the requirement specified ( cost of dwelling XXXX ) and our mortgage company says we need more coverage ( cost of loan amount approx 357K ). After many phone calls we now understand that Cardinal wants the term replacement cost guarantee in the phrasing of the insurance coverage, which our insurer thought odd and had never done before. XXXX XXXX at Cardinal Financial explained this to us after a long, terse conversation. 
XXXX says I have 7 to 10 days to hand this new insurance information to Cardinal or they will force buy more insurance and cost me more money despite paying for the insurance already. 
We have sent in this required documentation, yet I am concerned as Cardinal seems to be trying to change terms and force me out of my chosen insurer into a more costly one of their choice. This attempt at insurance fraud in addition to swindling us via higher insurance of their chosen carrier has me concerned about this despicable company who I am stuck with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: SC
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 is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX  XX/XX/XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX 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 explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XXXX 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: UT
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:
They have a wrong SSN listed under my account. They also have an account from XXXXXXXX XXXX Rewards that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2019, a complete package has been sent to SPS to apply to the Short Sale. From that moment on every time we call, SPS states the file is complete, there is a missing document or the submitted documents are not reflected in their system. We have confirmed emails and faxes that they received the requested documents. Essentially, they continue to play the game of we have what we need to move forward then we call the following week and they state they are missing a document which we resend. They then confirm receipt followed by another week passing and we call and they state they are missing the same document which they just confirmed receipt. 

On XX/XX/2019 the bank informed me that the Short Sale was approved and that we should wait for the approval letter. 

On XX/XX/XXXX they reported that the letter was not ready and that we should continue waiting. 

On XX/XX/XXXX, they started again requesting documents and the request XXXX with corrections, which I never understood because everything was supposedly already approved. 

On XX/XX/XXXX, SPS sent me a letter asking for documents again, some of them did not apply to my file and others had already been sent. Nonetheless all requested documents were resubmitted on XX/XX/XXXX. 

On XX/XX/XXXX, SPS stated that nothing more was needed and everything was again complete for review. However, on XX/XX/XXXX, SPS stated that I had to resend documents that they had since XX/XX/2019. 

Although there is no sale date schedule, this process with the bank is being too exhausting both mentally and physically for me and my family. The game they are playing is not right and not fair. They can't continue to tell me it's approved then state it's not, then state it's approved again. I will lose the buyer soon and need Help. Please stop this short sale Yo-Yo. If they continue this behavior, I will lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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.

The letters are stated with items and issues.

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 2022-05-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Comenity Bank has failed to mark negative tradelines that they are reporting to all three credit bureaus as " Disputed '' within 31 days of them receiving my formal disputes regarding their inaccurate reporting on my credit reports via certified mail. 

I have receipts with tracking numbers proving that they received my certified mail enclosing my disputes. As well as copies of my credit reports, that shows they did not mark the accounts as disputed. They have failed to do what is prescribed by law. I also have credit monitoring in place that alerts me to comments, changes, etc. If Comenity Bank does not remove the items being negatively reported under my social security number I will use all legal remedies afforded to me per FCRA & FDCPA. 

FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ) requires that ANY TIME a consumer contacts an entity questioning a line item that they placed on their credit report, they are required to contact the credit bureaus on the consumer 's behalf, and add a sentence to their credit report WITHIN 30 CALENDAR DAYS that says the consumer has disputed the negative item in question.

In my case, Comenity Bank has failed to follow the law spelled out above, they are currently reporting two negative tradelines to all three credit bureaus under my social security number, and they did not follow the steps prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As explained and ignored in the previous complaint filed with CFPB XXXX on XXXX the XXXX payment MidAmerica claims to have received on XX/XX/XXXX was paid to them through XXXX directly by me. The documentation was provided in the previous complaint along with all documentation to show the loan should not be past due. They claim to have received funds from XXXX to bring the loan current but it does not appear they have done so. I have since spoken directly with XXXX ( XXXX Agent ID XXXX ) on XXXX and they have stated they can see all the documents I provided and have yet to receive correspondence back from MidAmerica as supposedly MidAmerica was not in receipt of any of my loan docs from previous servicer. I have once again attached the XX/XX/XXXXpayment received by XXXX on MidAmericas behalf showing this was paid by me and not an adjustment of funds from XXXX. The loan should only be due for XXXX which was mailed by my bank on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I closed a loan with them in XX/XX/XXXX & they're claiming it closed in XX/XX/XXXX. They are aware of the issue & said they'd fix it months ago. I've disputed it with the credit bureaus twice & they're failing to provide me with any verification or proof. I need this issue handled ASAP as it's impacting my credit & ability to close on a new loan. Please repair this account ASAP.

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 2023-06-19
Company: Experian Information Solutions 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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