BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint has been having my $ XXXX insurance claim check XXXX and it is now XX/XX/XXXX. Every few weeks they willl call me to tell me they need some form or a signature or an invoice, which I provide to them. Then they wait a few weeks and call me back telling me they need something else. We have been thru 3 hurricane 's, a flood and a freeze and feel we have been thru enough that I should not have to fight for my own money that my insurance company has paid. Roundpoint even came to my home to inspect that all the work was complete according to my summary of loss. The only thing left was 2 ac vents -- -that is cosmetic and was not on my insurance summary of loss. I feel as though they are stealing my money. I have been complying with their demands and they come up with new ones. I do not know what else to do and hope you can help.

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 2020-12-14
Company: Medical Data Systems, Inc.
State: GA
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:
Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around the XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now the XX/XX/XXXXand we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting 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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-11
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a different date opened and a different account status also different date last active from the other credit bureaus. This is a violation of the FCRA.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

My Identity was stolen and a car loan was created in my name. I have filed a police report as well reported this to the Federal Trade Commission. 

The following account should be deleted from my credit report immediately. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from my ex husband on XX/XX/XXXX, but the letter was dated XX/XX/XXXX from a company name Jefferson Capital Ststems LLC stating they represented another company by the name of XXXX XXXX Jefferson Capital Systems LLC is attempting to collect {$590.00} for XXXX XXXX . I wrote this company Jefferson Capital Systems LLC in XXXX XXXX, MN on XX/XX/XXXX disputing the alleged debt with XXXX In the letter Jefferson Capital Systems LLC states that I had until XX/XX/XXXX to dispute the alleged debt but on XX/XX/XXXX and XX/XX/XXXX I received a notification from XXXX that a new account was added to my XXXX and XXXX credit report from Jefferson Capital Systems LLC. Jefferson Capital Systems LLC has practice unethical unfair debt practices and misrepresented what their XX/XX/XXXX letter stated that I had until XX/XX/XXXX to contact their office in writing which I did but this company jumped the XXXX and still reported this alleged debt to the credit reporting agencies prior to the deadline they set. I first heard of XXXX XXXX back in XXXX when I saw some charges on my account and I disputed them with my bank and the funds were reversed. I stated in XXXX and XXXX to another company called XXXX XXXX and to the actual company XXXX this is not my debt and I do not owe this debt. In XXXX and XXXX XXXX actually placed inaccurate information to my credit report but back then the amount was {$1200.00} and it was disputed then and retracted both times. But now again in XXXX another company is alleging again that I owe XXXX XXXX but for a lesser amount. For years, I have been battling with random hacking of my email accounts, lost or stolen credit card & debit cards. I closed my bank account back then because I felt they could not keep my money safe and it was too much happening. I am now divorced and longer go by XXXX as I have indicated in my letter to Jefferson Capital Systems LLC. Again, I am disputing this alleged debt, this is not my debt and I do not owe this debt. I am requesting that Jefferson Capital Systems LLC remove any negative information from my credit report immediately because clearly Jefferson Capital Systems LLC is continuing to practice unfair debt collection as they did in 2008 FTC Matter/File Number 062-3212 ( Federal Trade Commission v. Compu Credit Corporation and Jefferson Capital Systems , LLC ) . I have included all my documentation of all the hacking and fraud I have faced since XXXX. Even if I owed this debt the statue of limitations has ran in Texas and California where the original debtor is located per the Consumer Financial Protection Bureau. Also, as my right, I have no desire to work with Jefferson Capital Systems LLC and I dispute these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

Per 15 U.S.C 1681 section 602 A. I have the right to privacy.

Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction.

Per 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX in XXXX, Texas ( XXXX ). Instead, the facility listed me as self-pay when my valid insurance information was provided. The former insurance XXXX, XXXX XXXX XXXX  ( XXXX ), refuses to take calls or correspondence regarding prior coverage, although they were the active carrier at the time services were rendered. XXXX  is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier, but, in this case, I have no record that they were ever billed.

Elevate Recoveries placed a collection on my credit report, listing a different creditor than the facility that I visited, but for the same bill amount. I also deserve to be treated fairly by Elevate Recoveries, XXXX  and XXXX-XXXX, and should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. Additionally, XXXX-XXXX  did not advise me that I would be billed a premium totaling approximately 20 % more ( {$210.00} ) for visiting the 24-hour facility late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Financial Data Systems
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:
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the three bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation

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 2019-11-17
Company: Experian Information Solutions 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:
There are two inquiries that have already reached their retention time and Experian refuses 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card account with PenFed Credit Union. Account ending in XXXX. On XX/XX/2023 I received a monthly statement with a statement balance of {$10000.00}. Because this balance exceeded the credit limit on the account, PenFed deactivated the card so no further charges could be made. On XX/XX/2023 I made an online payment from my personal checking account with XXXX XXXX for {$10000.00} to this PenFed credit card account. PenFed records show that this payment was received and credited to my account, my credit limit was increased, and the card was reactivated and used to make purchases. XXXXXXXX XXXX records show that this payment was withdrawn from my account and the transaction posted. On or around XX/XX/XXXX, my card stopped working. On XX/XX/2023 I spoke with PenFed Member Services who confirmed the payment was processed and received by PenFed from XXXX XXXX. I was further informed that because the payment amount exceeded my total credit limit, their policy was to hold the payment funds for 7 days before releasing them and applying them to the credit card account. I was told my card would remaining deactivated until XX/XX/2023, at which time the funds would be released and payment applied. When I asked if PenFed had received the funds from XXXX, she said yes. She repeated that they were holding the funds and would not apply them to my credit card account until XX/XX/2023. At that point I became concerned that PenFed was holding my funds for such a long period and asked for a supervisor. I was told a supervisor would contact me, but no supervisor has returned my call. I called XXXX XXXX, who confirmed that the payment transaction for {$10000.00} had posted to my account, the funds had been withdrawn, and were sent to PenFed. At this point my credit card remains inactive, PenFed has confirmed it is holding my funds, and will not release them for application to my credit card account. It does not seem appropriate for PenFed to receive and accept a credit card payment on my account, then reactivate my card for use, then deactivate the card and hold my payment for 7 days.

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 2022-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid for tickets through XXXX with Chase bank, my funds were received and I never got the tickets. It was a scam and the bank is offering no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX  I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing XXXX. I called the customer support line to refute this charge. The number was XXXX. I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX  them and the money would come straight back. I was to XXXX XXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. XXXX would do nothing and claimed that my bank ( Wells Fargo ) had a chance of fixing this. This XXXX transfer happened under false pretenses and should not be considered valid. It's been over a year and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. {$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.

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 2023-07-07
Company: EQUIFAX, INC.
State: MN
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 time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX did not remove false and misleading information regarding XXXX XXXX XXXX XXXX XXXX causing financial harm and increasing interest rates.

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 2018-10-17
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
After reviewing the credit reporting companies responses, I would like to file an additional complaint along with the first ones. The responses from 2 of the companies were that the matters are still being investigated. If I filed the disputes in XXXX and they are still being investigated then I'm pretty sure that put 's them in serious violation.

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 2022-12-19
Company: United Shore Financial Services, LLC
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section states a consumer reporting agency furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.

Company response to consumer: Closed with explanation