BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is still reporting inaccurate address infomation after i send certified mail requesting to remove wrong/old/inaccurate addresses. I have never lived or used these addresses. 
XXXX XXXX XXXX XXXX, MI XXXX THIS IS MY ONLY ADDRESS EVER. 

They are reporting address on XXXX XXXX and XXXX XXXX which is incorrect and wrong.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$360.00} ; DEPTEDXXXX XXXX Balance Owed : {$280.00}.

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 2023-08-16
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my Hot water heater blow and my alarm companies water sensor failed. 

On XX/XX/XXXX XXXX XXXX deposited {$250.00} to my account. 

Ive spoke with XXXX XXXX and they supplied me with the deposit form showing Chime Bank Formally Stride NA bank received these funds. 

Ive spent countless hours with Chime to hear the same Page of the same book talking about escalating to a back office. 

I have been told for a week straight that this back office would be in touch. 

I provided Chime with the documents proving the money was transferred yet they claim they can not find it so I must continue to wait. 

I should be given a provisional credit in the amount of {$250.00} while the supposed back office finds my money. 

Additionally during the time of my deposit I received an email stating deposits were working again. 

Clearly they had a known issue, Chime bank has the proof needed to immediately credit my account yet they refuse to do so. 

This in my opinion amounts to theft, Inwant my deposit. 

Why should I the 3 year customer have to wait for them to find their error? 

Can not reach anybody not reading the book of the same stuff to say. 

The customer support provides no customer service and instead reads off a line that all complaints go to this back office. 

Ive requested the back office on numerous occasions and have not heard a word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: FIRST MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the month of XXXX, I was out of the XXXX in XXXX for work for the month. Prior to leaving the country, I mailed XXXX checks to First Mortgage dated for the months of XXXX and XXXX 's mortgage payments. However, upon returning from XXXX, I learned that the XXXX checks that I mailed to First Mortgage were not deposited. I contacted First Mortgage and was advised by the customer service agent that First Mortgage had sold their loans to another vendor and I would be in contacted by the company if there were any issues with my payments during the transition payment. The customer service agent assured me that if I had n't already been notified of the transition, I would be soon and that there was a slight delay in the processing of payments and that as long as my check as dated accordingly no late payment ( s ) would be noted to my account. Under these instructions, I continued to monitor my account to make sure the payments posted accordingly. Please note during the month of XXXX or XXXX, I did not receive any notification that XXXX Mortgage had taken over my account from First Mortgage or that we were late on our XXXX and XXXX payments. 
As the XXXX month end approached, we noticed that the payments had not posted to the account and we contacted First Mortgage, only to be redirected via the call tree to XXXX Mortgage to reconcile the outstanding balance on the account. Once learning that the payments were not applied to the account, we immediately cancelled our previous checks ( there was a {$10.00} fee to XXXX XXXX XXXX for XXXX checks ) that were sent to First Mortgage and made payments to XXXX Mortgage for the outstanding balance ( which was not late with XXXX Mortgage ) on the same day. We were also advised that there would be no negative late payments to the account as this was an issue that multiple account holders were experiencing and because of the miscommunication/confusion during the transition. 
Unfortunately, it was brought to our attention after running a recent credit report that our last payment with First Mortgage/first payment with XXXX Mortgage ( still confused as its XXXX with XXXX credit firm and another month with another firm ) was documented as late payment negatively impacting our credit score. It was my understanding at the time that we made payment that there would be no negative report made to our account or credit due to the confusion of a lost payment during the transition from XXXX mortgage company to another. 
We are able to provide any work travel or bank documentation ( i.e. check cancellation, etc. ) as verification during these events to assist in reviewing and granting this approval to remove the negative report from our account/credit.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: ALLY FINANCIAL 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 on XX/XX/2023 demanding that Ally bank remove inaccurate information that is being reported by them. I have not heard back at all. I sent them the highlighted portion where the errors are but have not heard back. Also ally bank tried to pull a fast one on me thinking i was born yesterday. sell attached documents for relevance as ally reported inaccurate information to XXXX. Please help. I was also not told that i can dispute this account with ally bank they try to give me the runaround.

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 2015-12-17
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that Alpine Credit Inc, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN 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. 
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 documents that show I agreed to pay what you say I owe ; 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 ALPINE CREDIT INC that your offices have reported invalidated information to all three of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all three of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against ALPINE CREDIT INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character VIOLATION OF THE COLORADO FAIR CREDIT REPORTING ACT LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00}.

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 2023-04-29
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: Public record information inaccurate

Complaint:
Theres inaccurate information in the bankruptcy files by XXXX XXXX XXXX and Trans Union both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.

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 2016-06-20
Company: Data Check of America LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is repeatedly calling me about a check I wrote 18 years ago that was supposedly returned. If it was, I resolved any returned checks I had at that time. They refuse to send me anything by mail and keep calling both my cell phone and my house phone. They have spoofed multiple numbers but have called from the XXXX number the most. They are extremely rude and hang up on you if you ask them to send you information in writing. If you search the number they are doing the same thing to many other people. I would not pay a debt without information in writing or knowing anything about it. They know my name, my phone number, my date of birth, and the last XXXX digits of my social!!! That is scary!

Company response to consumer: Untimely response
Consumer complaint received 2017-07-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under CFPB case  XXXX , Synchrony Bank informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided Synchrony Bank a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission. Synchrony Bank informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (  XXXX  ) which was received by Synchrony Bank on  XXXX   XXXX , 2017.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent XXXX  Inquires Inquiry Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I saw a late payment on my credit report from XXXX XXXX XXXX that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. This is reporting correctly on my XXXX, but not reporting correctly on Equifax and XXXX. 

From the picture attached, one can see that XXXX is reporting multiple different account numbers, with incorrect account statuses. 

I demand this be updated to paid as agreed, never late, on time on all 3 credit reporting agencies as this is holding me back from being able to advance in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Law Offices of Vincent J. Buzek
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A representative XXXX from law offices called me a firstly did not mini or maxi miranda me. I did not fell as though I was treated as at least a sophisticated consumer nor treated with dignity, respect or manners. When I asked the female representative to please send me something via post mail because there are lots of scams and phising companies to get consumer identities and money. If she would send me a validity of the debt, she expressed " i 'm not going to send you anything we have been sending you things since 2015 and you have n't paid us ''. I explained that as a consumer it is my right to have a written copy of this debt she still explained that she is not going to send me anything and that I can come and get one in the office which is in XXXX. I then explained that that city is miles away from me and that I am unable to go and retrieve anything from the offices. Representative XXXX hung up on me Upon reviewing my credit report, this debt is not on my credit report and representative is perhaps lying about the debt or the validity of the " law offices she works for ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted transunion for the last 2 months sent them identity theft form and disputed accounts they refuse to remove the negative items. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. They will not provide any documents with my signature, information ect ... that I applied or open the accounts. I keep disputing these items and they refuse to remove them.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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

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 2023-08-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the 4th time I have to dispute the same bedt collection the XXXX XXXX XXXX  sent me a letter stating they were about to delete this account debt collection cause I doesn't belong to me and the debt collector keeps putting this account under my personal credit score affecting my insuramce policy went from XXXX to XXXX dollars due to this matter MidLand Credit Management and XXXX XXXX XXXX are refusing to give me any explanation why there are two accounts under my name making this a complete mess to begin with. 

Once again this is the 4th time I have to keep disputing this once it gets deleted it comes back after 4 to 6 months violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld System Inc, reported incorrectly to XXXX that I made a partial payment instead payment in full. XXXX account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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

Company response to consumer: Closed with explanation