BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 u.s.c. 1681 section 602 A states I have a right to privacy.

15 u.s.c. 1681 section 604 A section 2 also, states a consumer reporting agency can not furnish a 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 2022-01-28
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a fraud on my credit card account back in XX/XX/XXXX. Called them to report. They closed the card but ended up waiving only part of the amount ( I think some of the fraudulent charge was still pending at the time ). So I ended up having literally {$5.00} on the account. I called again to notify that there is still fraud amount on the account. They have reopened investigation, allegedly. That was all happening in XXXX XXXX. I closed the account since because I don't want to deal with them anymore. In early XX/XX/XXXX I called to check on the status of the investigation. My call was transferred to debt collection. I was very surprised about that and clarified that the amount is fraudulent and I should not be on the debt collection list. They gave me the fraud department number and the extension of the agent on my case ( XXXX ). Over the last 3 weeks I have tried calling at least 10 times, left several voicemails. There has still been no response. Had I known, I would just paid that {$5.00}. But now it is too late ... My credit history is being impacted ( the score dropped by XXXX points already ) and fees are accumulating. I have spoken with the bank 's customer service but they had no option for me other than continuing to call the fraud department. I ran out of options.

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 monetary relief
Consumer complaint received 2022-04-14
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was seen in the hallway of the XXXX  at XXXX XXXX XXXX on XX/XX/2020. I provided my medical insurance cards. I had medical insurance through the State of Arizona, where I resided at the time. I was stuck in PA due to XXXX. When I saw the collection on my credit report, I called the hospital billing to question, as I never received a bill. Through months of my following up, I learned that the hospital billing department mistakingly billed the State of PA, and not my insurance. According to the Insurance company, they did pay the doctor bill, as it was properly billed, however, the hospital facility bill was incorrect. Since this wasn't brought to my attention until past the 6 month deadline for billing, the Insurance company will not pay this bill. 

I also provided the collection agency with a copy of letter from my Insurance Company conforming that I did have coverage at the time of service ( per their request ). The collection agency then told me, upon follow up, that they wanted a representative to call them directly. My insurance company refused, as this is a violation of HIPPA. 

I have made several attempts to have this removed from my credit report, and the collection agency continues to " move the bar '', with regard to their requests of proof. They have been belligerent when I contact them. The collection agency is Medical Data Systems, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted TransUnion several times trying to dispute this account, only for Transunion to reply back to me, saying that the fraudulent account has been " verified '' and is mines. How could Transunion have verified this account, when the I in fact reached out to this company through this portal, and through their investigation of my claim, deem it Fraudulent.

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 2021-03-20
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In about the end of XXXX or early XXXX, I ordered a Dietary supplement, XXXX, and the online system pushed for addition supplement, XXXX XXXX XXXX, to complete the order. A couple weeks later, the products arrived. If you recall the mail delivery system was very slow before the election. There is no detail instruction along with the shipping. I called and talked to a lady with a XXXX XXXX accent, she said that I can try and have to cancel in 14 days, by XX/XX/XXXX if I'm not satisfied with the product. XX/XX/XXXX I kept that date in mind. 

On XX/XX/XXXX, the company, XXXX XXXX posted a new charge on my account for {$110.00}. I called and talked to their repXXXX on XX/XX/XXXX, I told the gentleman that I'm not satisfied with the products and wish to cancel. He agreed that the dateline is on XX/XX/XXXX and cancelled the subscription, he emailed to me to confirm ( he also tried to persuade me to keep the products by offering a deep discount of 40 % and 60 %, I'm not certain that he offered 80 % also ). { On their cancellation email stated that the order date is XX/XX/XXXX, I can email you the 2 emails separately to confirm this fact }. With further discussion, he said that I don't have to return the remaining product. The products are still sitting on my shelf at home. If he insist that I have to return in 30 days, I would have. Please take note that their rep. sent me a cancellation email. 

Now the company have XXXX XXXX XXXX, a debt collector, try to collect {$150.00} from me. She, XXXX - collector, saying that I passed the cancellation date line of XX/XX/XXXX XXXX ( I believe that is the day I received the products ) = trap # 1. I told her that I called and received the extension to XX/XX/XXXX, she didn't acknowledge that. she said that I didn't return the product within 30 days = trap # 2. The gentleman whom I spoke to when processing the cancellation said that I don't have to return the products at the end of our conversation. they have a tape recording of that, they taped everything. have them show you the recording. 

Additional products had never arrived since it had been cancelled. She threatened that the only way is to pay them. I need your help. I tried to complied with all their rules. I shouldn't be penalized after followed their instructions. 

Sincerely submitted, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently was alerted to stated debt by Midland Credit Management by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: MA
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:
Experian Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :

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 2023-03-13
Company: EQUIFAX, INC.
State: IL
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 XXXX  XXXX XXXX account # XXXX, has violated my rights 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 with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, I have attempted to qualify for a loan modification the past several weeks with Rushmore Loan Management, the company that services my existing mortgage. After a notice of default was filed in XXXX of this year, I was assured by a Rushmore representative that I was an excellent candidate for a loan modification based on the fact that the my property is a rental and I had verified rental income to make the mortgage payments. I initially fell behind on the payments last year, because the previous tenant had stopped making rental payments due to Coved 19. I was also told by the Rushmore representative to make sure that I supplied all the requested documents to Rushmore so that I could be considered and then qualify for the loan modification. And thats exactly what I have done so far. Rushmore has requested documents and letters from me on two separate occasions, around 15 pieces of information so far, and I have complied with their requests each time and have sent every document that they have requested. 

Thinking I was still being considered for a loan modification, I didnt worry about a notice of sale being filed against my house. But shockingly, Rushmore just filed an NOS. It was filed on XXXX and I just received written mail notification on XXXX. The sale date has been set for XXXX. 

I believe Rushmore has broken a number of laws, both federal and state, concerning the foreclosure process that is currently being carried out against me. And they must be held accountable for their actions. They have violated existing laws currently in place to protect homeowners such as myself, such as dual tracking, no single point of contact and no written communication notifying me that I was turned down for a loan modification, to name just a few of the laws Rushmore has broken in this process. And importantly, if I have been turned down for a loan modification, by law, Rushmore is supposed to allow me an opportunity to appeal the loan modification refusal decision and also present me with other viable options to work out some sort of agreement concerning my loan with them. 

I am asking the CFPB to take prompt action concerning this very important matter because Rushmore is attempting to sell my house in just three weeks from now. And again, they have violated numerous laws designed to protect homeowners such as myself during the foreclosure process. Thank you very much for your prompt consideration and action on this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: DE
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX  has stated again that the information on my account XXXX XXXXXXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than three times the price of the insurance that I pay for the property. I want XXXX XXXX  to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in XXXX, that the insurance was paid every year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
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:
This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX XXXX XXXX also have never worked at XXXX XXXX XXXX XXXX XXXX XXXX Nor have I worked at XXXX XXXX  XXXX I work at XXXX XXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT.

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX XXXX XXXX. The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, 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 2021-03-19
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Date of contract is XX/XX/21. On XX/XX/21, my wife and I applied for a mortgage loan ( Loan Depot # XXXX ), with broker XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX ( lender/mtg ID code XXXX ; NMLS/license ID XXXX ). Broker advised that we can not lock the interest rate after completing the application. However, I never heard of this from any other broker/lender/attorney. Broker charged my credit card for appraisal fee of {$650.00} on XX/XX/21. Appraisal ( appraiser XXXX XXXX State Certification # XXXX ) was conducted on XX/XX/21 and submitted to bank on XX/XX/21, almost a month later and after numerous calls/emails to broker to advise on reason for delay. No valid reason was given for the one month delay for appraisal. On XX/XX/21, broker advised I need to increase my loan amount to include payoff for vehicle, despite promising me that there will be no payoff conditions numerous times over the phone. In addition, broker stated he thought my loan application was conventional, and not FHA. Property falls in predominantly white area ( zip code XXXX ), and I am an XXXX XXXXXXXX. There is strong sentiment that the broker discriminated against me due to my XXXX background and XXXX XXXX, to block me from purchasing property in a predominantly XXXX neighborhood. I feel my rights were violated and his business practices adversely affected my ability to purchase the FHA-backed property. Please investigate fully and take appropriate action in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
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:
This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed immediately.

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 2023-11-15
Company: EQUIFAX, 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:
EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through XXXX XXXX loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CFR Violations This correspondence is in regard to violations of Coded Federal Regulations committed by CAPITAL ONE BANK. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE BANK does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XXXXThe adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* CAPITAL ONE BANK has the opportunity to cure and this is your notice of default for the servicing of the bank/ credit application.

Company response to consumer: Closed with explanation