BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had a second mortgage home equity line of credit with XXXX XXXX. My first mortgage loan was foreclosed. I was never materially delinquent with XXXX XXXX. When XXXX got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. XXXX charged off my loan. This activity is from XXXX through early XXXX. 

In early XXXX XXXX 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments XXXX  is under contract to cancel the last third. 

Even though I am timely paying the required installments, XXXX reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. 

NOTE : this complaint is actually two complains. The original loan was joint credit with my wide, and XXXX reports her delinquent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to Capital one a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called Capital one and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance : {$200.00}

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the XXXX XXXX of XXXX  which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.

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 2018-03-13
Company: Pinnacle Credit Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX this account shows opened. Contacted the XXXX agency which information they provided did not match. The first Representative stated account closed in XXXX. Representative then transferred me to a XXXX party for collection which she said the account closed in XXXX. I was asked to confirm mailing address and the address that was in their system did match my physical address. I have not received any correspondence of the debt. I was even unaware another collection agency was handling my debt. To settle the debt XXXX representative gave me an amount and the other provided a completely different debt both withing minutes apart. She also stated even if I satisfied the payment it wouldn't be removed from my credit report. Neither XXXX have me any info that matched

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX - XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX is attempting to colled the amoutt of XXXX USD ( XXXX ) treatment of XXXX XXXX - XXXX - this service was not provided ( 2 ) Office visit - XXXX - visit lasted only 20 minutes, the amount is way too much ( 3 ) Also charged XXXX dollars for XXXX XXXX which was not provided, I bought my own ankle support I called the doctor 's office several times regarding the services and charges. They promised to look into the matter and never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: ALLY FINANCIAL INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX after receiving a solicitation email from ALLY Bank, I opened an interest checking account and funded it with a deposit first, then created direct deposit to continue funding the account starting on XX/XX/XXXX. The solicitation letter said if I did those things, I would receive a {$250.00} bonus into my account " within 30 days of receiving your first direct deposit ''. I do have an email from ALLY from XX/XX/XXXX stating I had done what I needed to do, and the subject line was " Good news- you're enrolled in the cash bonus ''. I called last week and asked where the bonus was, and was told that actually it would be deposited 30 days EXACTLY from my first direct deposit transaction - as such it would be deposited into my account on XX/XX/XXXX - OR within 24 hours of XX/XX/XXXX. On XX/XX/XXXX I checked my account to find that it still was not there. I called ALLY Bank AGAIN, only to be given the run around, and no one can give me a direct answer. They have " escalated '' my issue but I have heard nothing from them since my call 2 days ago, and as of now, there is still no deposit of this {$250.00} bonus in my checking account. I am starting to feel as though this was a scam solicitation. I am not sure what else I can do about it. I can forward the email to you if you like.

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 2018-02-20
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: SC
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX, I CONTACTED XXXX REGARDING AN INCORRECT ADDRESS ON MY CREDIT REPORT, I WAS INFORMED BY XXXX THAT ONLY XXXX XXXX XXXX CAN REMOVE THE INCORRECT INFORMATION. MY ADDRESS IS NOW SHOWING ON MY CREDT REPORT AS XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I NEVER LIVED IN XXXX GA. I THEN ATTEMPTED TO CALL XXXX XXXX  THAT GAVE ME THE INFORMATION TO CONTACT FIRST NATIONAL COLLECTION THAT INFORMED ME THAT THEY CAN NOT CHANGE THE ADDRESS XXXX XXXX HAS TO CHANGE IT. I ASKED WHY BECAUSE THIS ADDRESS WAS UPDATED RECENTLY BY YOUR AGENCY SHE THEN STATED THERE IS NOTHING SHE CAN DO. NOW MY MAIL IS BEING SENT TO AN ADDRESS THAT IS NOT MY ADDRESS SHE WAS ONLY CONCERN ABOUT CHANGING THE CORRECT ADDRESS SO THEY CAN CONTACT ME. I ASKED THAT SAME WAY YOU ENTERED THE ADDRESS ON XXXX SITE YOU CAN UPDATE THE CORRECT ADDRESS I THOUGH YOU ASKED FOR AN UPDATED ADDRESS TO CORRECT THE ISSUE SHE SAID AGAIN THERE IS NOTHING WE CAN DO CONTACT XXXX OR XXXX XXXX. I NEED THAT FALSE ADDRESS REMOVED BECAUSE I HAVE MAIL GOING THERE NOW. ALSO THEY BEEN SENDING MAIL TO THAT ADDRESS I NEVER RECIEVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, the mortgage company ( AmerisXXXX XXXX sent {$1000.00} to XXXX for my homeowners insurance coveragethis payment should have been sent to XXXX XXXX XXXX In XX/XX/XXXX, the mortgage company sent the same amount to XXXX XXXX ( double payment ). In XXXX, I received a letter from Ameris saying that my escrow account had been adjusted ( to cover their error ), and that my mortgage payment was being increased by {$110.00}. I have spent countless hours on the telephone with rude/incompetent employees who refuse to help fix this. They blame XXXX, and XXXX repeatedly says they need more infowhich Ameris/XXXX will not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/20 sent certified letter XXXX to Progressive Management disputing alleged debt I have no knowledge of. no response received sent a second certified letter on XX/XX/20 XXXX again no response received. I have not been able to obtain any such verification that the alleged debt exists yet this company continues to report and verify it's accuracy with the credit bureaus. I have never received any bill from XXXX XXXX XXXX. If any charges were owed I do have medical insurance to cover it. this company continues to violate the law causing me to incur financial damages. this account needs to be removed immediately from all my credit bureaus. they need to be held account for their illegal business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX the bank sent a check to XXXX for my insurance balance and re routed and delayed payment to prevent payment on time. Commiting mail Fraud by XXXX and I even have a copy of the delayed receipt. I have asked for explanation and I have yet to receive any explanation or acceptance of proof provided by their company. Also I would like to ask why, when I was on COVID relief. Why didn't I receive confirmation of that relief by mail or electronic mail. NOT once but twice this was extended to me but not reflected in the accounting sheet that truest mortgage submitted as part of a consumer finance protection bureau investigation and a FTC inquiry. Do you send anyone who has asked for help for a covid relief any papers confirming or denying their participation in a government program. Where does it say that I participated in this program? If you can not confirm can I see if my name was included on any paper sent to the federal government as part of this government program? Did you receive a text credit for allowing myself and others to be on a federal covid program. Where are the papers saying that I completed the use of this program twice. Why is it that while I was using the program you had accounting sheet set up as if I was behind in payments {$13000.00} in XXXX? But yet in XXXX I had successfully paid off requirement set forth by you and then received a late payment charge only in XXXX? Please explain this to 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 explanation
Consumer complaint received 2022-10-07
Company: GOLDMAN SACHS BANK USA
State: WI
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:
XXXX shows a XXXX delinquent bill to Goldman Sachs bank. It is listed as overdue since XX/XX/2022. I do not have any accounts or credit cards with goldman sachs. I have called goldman and verified that they do show a delinquent account in my name. They indicated that I needed to fill out this form to help them verify that it is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: R.M. Galicia, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CRA VIOLATION NAMES ALL WRONG MUST REPORT 100 ACCURATE AND INACCURATE INFORMATION MUST BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name ZIONS DEBT HOLDINGS LL Address XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX is stating I owe a security system bill contacted collections company was sent a copy of contract. This is not my account never lived at indicated address. Also the contact phone number and email address is not mine. Finally the name on the contract is not mine This is making a negative impact to my credit score. Please remove never used this service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After multiple calls and emails finally, my account is current. XXXX was able to resolve the delays in the process of applying the payments. My monthly payments were always received on time. Unfortunately, the mortgage company report my account twice to the credit bureau even when they know that XXXX was trying to resolve the delays. I call and explain this matter to a customer service team and with loss mitigation but until today my credit report is showing me the delays and my score went down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
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:
I'VE REACHED OUT TO THIS COMPANY ABOUT THESE ACCOUNTS REPORTING ON MY FILE. ADVISED THEM THAT IT DIDN'T BELONG TO ME AND i CONTINUE TO DISPUTE AS THIS HAS DISRUPTED MY LIFE. NOW I WILL TAKE DIFFERENT APPROACH WITH THIS AND NOW THESE COMPANIES ACCORDING TO THE FCRA FDCPA THEY ARE IN VIOLATION FOR INACCURATE REPORTING ... .PLEASE SEE ATTACHED PRINT OUT OF MY CREDIT REPORT AND THE VIOLATIONS THAT ARE CIRCLED. THIS IS CONSIDERED AGGRAVATED IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have fully paid an auto loan from XXXX that was delinquent. I understand it should have shown that on my credit report but the account is almost 11 years old now. 10 years and 10 months to be exact. I have tried to get this account removed several times and have failed. I was told it would fall off in XX/XX/2017 by a rep from Trans Union but it never happened. My payments for all my accounts are on time and they total over 20. Cant understand why this negative account has to punish me for the rest of my life when I have a great credit history now? Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Experian requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Experian, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report. 

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.

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