BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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 have four accounts from the same company on my credit report I tried to dispute it 10 times I've explained that it is not mine I have insurance. Free government insurance I would of used it. Have had same insurance for 20 years. it's from it was originally from hospital collector. It got sold to another company and I keep disputing it and they keep coming back saying it's okay which it's not because it's not mine I've put fraud I've contacted them it's been taken off my XXXX but they won't take it off my XXXX I tried to contact them multiple times so now my last resort is you it is not mine I even put in the report should I get a police report nothing ever was brought back to me I'm not taking this four accounts for a hospital visits when they're not mine this has been affecting my credit record I want this fixed please I didn't know who else to turn to thank goodness I seen that I could contact you guys to get it taken care of their name is ARS account resolution their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX and then their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My parents have been paying for a fraudulent loan. Basically the house was paid off and then electronically sold. They are just the kind of folks who pay the bills as they come in. The house went default last year in XXXX through the XXXX XXXX PHH mortgage. After getting added to the loan as an authorized user, I was able to identify that payment were skipped. Im so even though subsequent payments were made skipped payments went XXXX XXXX default and subsequently the house was elected for sale. I was able to identify the one skipped payment and so after getting a quote for reinstatement and before wiring the money, the one skipped was addressed by our family, riding a check for that amount of the one payment, then in the for box of the check in that exact payment. They cashed that check before the wire was accepted so reinstatement of the house happened in XX/XX/XXXX or so of XXXX and it was done in the form of a rescission filed with the county so after saving the house, I intimately researched this loan, and I discovered all of it is illegal down to XXXX XXXX being alone, taking out my fathers initials, not even his name, and XXXX XXXX XXXX, which is a first mortgage company being the payment instrument in the form of a check recipient after studying the principal owners of the XXXX XXXX XXXX XXXX, which received a payment instrument of this mortgage I discovered that the principal owners were convicted of fraud at a later date are not convicted, but settled Fraud allegations at a later date with the SEC. The loan was apparently taken out in XXXX, but Ive discovered it all to be fraud so much that Ive also found a class action lawsuit on the matter. PHH giving out foreclosure notices illegally and basically they skipped a payment. Intentionally did an app apply one month so that the house would intentionally go into default so that they can dispose of the evidence of a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Army and Air Force Exchange Service
State: VA
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:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account XXXX  Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.

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 2018-07-27
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: Information belongs to someone else

Complaint:
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL. THOSE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE AND I AM IN DISTRESSED THAT THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY. PLEASE REMOVE THOSE ACCOUNTS THAT HAVE BEEN TARNISHING MY CREDIT.

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 2022-12-27
Company: U.S. BANCORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
well that was weird I had just finished written my complete statement check the box to okay for publishing.finished up my part of my expectations on my needs and whole thing vanished.This has happend several times. I'm Not Kidding the problem is this very exact thing happened 4 years ago with the same bank.I started XXXX weeks prior to the XXXX XXXX XXXX XXXX XXXX That's How much time I had on my card and Someone Cancled my Card when I requested my New Card, added to the 4 1/2 months it took them be for I received it last time it was the most inhuman experience I have been through And I'm getting the same exact treatment this time.Yes I have caled them spoke to them count less hours already.Sorry I refuse to ever be treated like that ever again.Thanking You.

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 2022-11-23
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im believe that this collection is regarding a hospital visit during XXXX of XXXX At the time, I was living and working for a company where they provided employee housing. I was under the impression that this visit would be covered through an assistance program for low-income individuals. Quite some time has passed, and not once has anybody notified me in an attempt to settle something I believed I did not have to pay in the first place. I have not lived at the address at which I did during this hospital visit, and I also do not have the same phone number anymore. I would have given my best effort to take care of my responsibility of this account, but again, I was never made aware of such obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the XXXX of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. 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 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute fraudulent charges on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very upset that this account is showing up on my credit report as it does not belong to me and I am asking you to delete this account. I'm really disappointed they pushed me into this. I want it removed from my credit report as soon as possible. It's not mine!

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Todd, Bremer & Lawson, Inc.
State: MO
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:
XX/XX/2023 XXXX cst. Todd Bremer and lawson continue to refuse to take my phone calls to clarify what my account is. They've provided what appears to be a word document stating I owe them a balance but has not provided any details on how the balance was generated. I do not have any past balances on any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chime refused to credit account back for money I did not use and I told them I want account closed since they could not return money I did not spend and this is on the credit builder card and I have not deposited money due to the fact why should I when if a transaction is not mine they wont return funds. And I asked them to closed and reporting late payments when I asked for it to be closed and removed when they could not give money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2023-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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

XXXX XXXX, acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX 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 without my written instructions 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # 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 without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XXXX recently reduced my available credit from XXXX to XXXX. To help understand why, I called and inquired as well as ran my XXXX XXXX dashboard, which incorrectly reports my credit number as XXXX ( poor ) rather than my actual XXXX XXXX ( XXXX ) from the three reporting agencies. When I initially called, I was put on hold for XXXX minutes before ending the call. I called back the following day and was told to call back on the next business day. I entered a dispute with all XXXX agencies and will follow up with another call on Tuesday of next week. It is my belief that their inaccurate practices caused my score to drop XXXX points with all three reporting agencies even though my account is in good standing.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-16
Company: Early Warning Services, LLC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is a work from home scam. First, I received a text message on XX/XX/XXXX regarding a job opportunity as a XXXX and XXXX  XXXX. After chats through XXXX, a messenger app, for some questions, they sent an email with a job contract which I signed back. On XX/XX/XXXX, they sent a check attached on email and asked me to print it out and deposit to my bank account ( XXXX. ) That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After the check was deposited, on XX/XX/XXXX, they instructed to send 2 payments, {$900.00} each to XXXX using Zelle. After I made the transactions on the same day, I accepted XXXX to process the transactions. Immediately after ( within 5 minutes ) I realized that is a scam, I called XXXX right away but it was too late and the payments have gone through. XXXX said they can't recover my money sent via Zelle because I have accepted these transactions and nothing can do for the check either. A week later, the check was bounced and turned to be a fake. I also contacted Zelle right away through the Report a Scam page ( they don't provide a customer service phone number ) but they have never responded back to me as of XX/XX/XXXX. A complaint has been filed to CFPB against XXXX bank, complain ID XXXX, and a police report has been filed as well. I contacted Zelle again about the {$900.00} x 2 transactions on XX/XX/XXXX and am waiting for their response. The scam company contacted me first on text messaging and asked me to install XXXX - private messenger app and contacted with rest of the conversation through it. Not single phone conversation was made. There are three people I contacted with : XXXX XXXX XXXX Website : XXXX XXXX  XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The money I sent through Zelle to : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have never encountered a bank with this level of horrifying customer service. My debit card number is XXXX. There is a fraud block on my account and I am unable to use my debit card. When I call into the overseas crew of employees you have, I am told to verify my phone number. When I give them the only two phone numbers I have, they say it was unsuccessful and hang up the phone. I have called eight times. Right now I am not able to do anything at all with my checking account due to this bizarre 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