BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who I Q Data International is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I Q Data International is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I notified I Q Data International via certified mail RR # XXXX XXXX XXXX XXXX XXXX and requested documents and they did not provide the information that I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I Q Data International as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I Q Data International } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I Q Data International, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I found out the payment is gone through, but the previous complaint to XXXX XXXX XXXX XXXX did not go through. 

I just complained the payment. It looks like the payment went though with saved credit card by the amount of {$70.00}, before I would make sure the amount was right or not. Also, I tried to change this card to auto pay, but it did not work. I just want to make sure these questions, meanwhile, I will check whether the payment go through from the credit card side.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2021-06-27
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
improper transfer of loan. Not all payments wired over. When wire was returned to service Mac service Mac did not return funds to XXXX XXXX. XXXX XXXX is now showing me 30 days behind and charging me late fees. 

The loan was transferred from service Mac to XXXX XXXX on XX/XX/2020. I have made all of my payments since my loan was opened. When service Mac transfer the loan they wired the payments to XXXX XXXX XXXX XXXX  says they didnt receive one of the payments. I have been working with them since XXXX trying to get this all squared away Ive provided them everything theyve asked of me and they are still showing me 30 days behind not crediting the account appropriately and reporting me to the credit agencies also accumulating late fees. 

This is now affecting my refinance process. I have done everything I Possibly can since XXXX to get this squared away. Again i am doing all the legwork for both service Mac and XXXX XXXX. And have provided them every inch of paperwork I possibly can showing all payments have cleared. This is between them and it is now affecting me. Ive open multiple tickets with each company and always get a we are looking into this where we cant help you. 

Neither company has fixed this and it is now impacting my life tremendously as I am unable to refinance because of them. I need this squared away immediately both companies have received all of the necessary back up information from me and they should be doing the lake work themselves since they completed the transfer of Loan improperly. Again I have opened multiple cases with both companies provided them all the information needed and no one is correcting anything or responding to me and when they do they just tell me either still looking into it its absolutely ridiculous at this point we are seven months in. 


I have done everything I needed to do paying all of my mortgage payments on time and I need this corrected immediately but I need help because they are not doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Medical Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I Disputed a Scam charge with Bank of America credit card, they send me a letter stating to send more information, the letter was dated XX/XX/XXXX to reply until XX/XX/XXXX in which the letter was delivered to my address, two days after the reply date. I called Bank of America right away and explained all the situation and they put the balance back in my account the agent told me that it was normal and I do not need to pay until the case was concluded, I asked for an extension, more extra time and all the agents that I spoke told me that I have 10 more days in which I sent all the information requested on XX/XX/XXXX USPS tracking number XXXX Delivered, Individual Picked Up at Postal Facility XX/XX/XXXX at XXXX am, XXXX XXXX, TX XXXX. I called many times and asked about the case because the amount of 1050.00 still due in my account. I received a Letter dated on XX/XX/XXXX in which was received XX/XX/XXXX, stating that it was outside the timeframe, all customer service agents were transfer to each others, stating that I have to call a different departments, providing wrong information and inexistent phone numbers. I asked the last agent to speak with the supervisor with no avail.

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 2023-05-05
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Received a XXXX loan and was under the impression it was just like every loan was told my payment would decrease monthly only to find out I'm only refinancing the loan monthly while paying a {$1500.00} a month payment. 
I can't afford to pay the loan off at this rate. I am now being threatened with repossession they have already repossessed my truck once and kept it from me after paying the payment for a week. And now my balance went from XXXX to XXXX to pay it off. This is my only means of transportation, and it is also my late father 's truck I just want a fair payment. Title max refuses to renegotiate the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CMG MORTGAGE, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, my mortgage company CMG Financial isn't paying my property taxes to the XXXX County of Georgia Tax Assessor with the money I pay through my mortgage each month into escrow. The XXXX XXXX Tax Assessor sent me a delinquent property tax bill and advised a tax lien will be applied to my property on XX/XX/2021, if I fail to pay $ XXXX-something in back taxes- taxes which I've paid via my mortgage through escrow. I tried contacting my mortgage company as advised on the back of my mortgage bill by sending an email to XXXX, but I haven't received a reply. 

The thing which is deeply disturbing to me, and which I can't understand to save my life, is the seller, from who I purchased this property on XX/XX/XXXX, XXXX their name is listed as the property owner on the delinquent tax bill I received. I pay taxes through escrow and this property cleared title, so I don't understand why I'm receiving this tax notice. 

Additionally, I can not login to my mortgage payment account at https : //cmgmortgage.loanadministration.com/ Suddenly, my login credentials fail to work and when I go to look up my username, I receive a message that my email address and social security number isn't recognized. When I call to speak with someone, after navigating through about 10 minutes of useless automated information, I receive a message to call back during normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 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 2023-05-05
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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2021-06-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 Experian sent me a email stating that my credit score and report had changes. I logged in and it said my Debt was {$1700.00} causing my score to drop 36 points and shows that my credit utilization went from 13 % to 45 % I called them and advised them that the information was inaccurate and I only owed {$1100.00}. I asked who is reporting the extra inaccurate {$600.00}, they said they can not tell me that. I told them they need to fix it and was told it was not their problem and I needed to fix it. They are messing with my credit score and my credit by reporting false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I filed a dispute with XXXX and XXXX about me not having any knowledge of account with Macy's/DSNB, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.

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 2023-05-05
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a mortgage with Citizens Bank on auto pay since XXXX. Suddenly XX/XX/XXXX we can't pay our mortgage. All payments are reversed. Payments are coming from our XXXX XXXX Account, which they forced us to open with the mortgage. Concerned about staying current, we transferred over {$3500.00} from the XXXX XXXX to the XXXX XXXX, which was shown as removed from our checking account but was NOT credited to our Mortgage. We spent hours and hours on the phone, only to be shuttled between Banking and Mortgage departments. No one could explain or help us. Finally, they said that we changed the account number on the Checking account, which the online banking portal does not allow a consumer to do. They promised us a call back, which they did not honor. We made a phone payment from a checking account with another bank, but we are not sure that this will be credited to our Mortgage, thought the money is showing debited from the other checking account. It looks like they are stealing our money. My husband and I have each spent hours on the phone with them and they can't give us any explanation or help us in any way. Very concerned about what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX. For the last XXXX years I have received an bill for escrow shortage for my loan. The first one on XXXX was less then XXXX and they raised my loan {$200.00} with a payment of {$800.00}. In XXXX I received another shortage of escrow for XXXX which raise my bill {$750.00}. I sent a payment for the escrow on XX/XX/XXXX for the amount of {$5800.00} even though I do not understand the shortage and their online payment history is not clear on were the payments are being allocated to. I call and spoke to a rep that informed me that the check that was sent for an escrow payment went towards payment for the mortgage. When I ask why they allocated my funds to something other then what was specified she replied that a full payment had to be sent to go toward escrow. The phone then disconnect and I was not reached out to again. I then emailed them to have it documented and called again and asked to speak to a Manager. The manger told me she would have the escrow payment fixed but could not fix the payment for XXXX. Now it is XXXX and my payment show again {$2600.00} owed. I dont know what else to do and I can not afford a payment this high. The reason I purchased a home is to have a stable amount to pay. I went from {$1700.00} when I closed to now {$2600.00} that seem extreme to me. Can you please help. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Upgrade, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Upgrade Inc is falsely advertising its personal lines of credit as credit cards on XXXX XXXX through which I obtained an account. Given that Upgrade is in fact not a credit company, as they definitely stated on the phone with me, they apparently do not have to follow the same rules as one. Unfortunately I was under the assumption that they were in fact a credit card company. As I was working with a credit counseling and debt management program, I reached out about changing a due date. They stated that it is their policy to never change a due date. It was then in the discussion that I learned that they are not and have never been a cc company. This explains why I am unable to negotiate with them and the credit counseling agency and why they do not follow the same rules. Had this company 's products been advertised as not a credit card company, I would not have entered into an arrangement with them ( getting an account ), and I would be in a position up negotiate to try to pay down my debts reasonably. They are falsely advertising, as is XXXX XXXX, that they offer credit cards when they do not ; they are obtaining customers who would otherwise not do business with them, and they are profiting off this false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX continues to report inquiries that I did not consent to, authorize, nor benefit from.

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