BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
A debt collector fraudulently used my personal information to attempt to collect a debt that is reporting inaccurate on my credit report. I believe the law according the FCRA 15 USC1692K applies in this situation 1. 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 2022-06-04
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in XXXX, Alabama. 
On XX/XX/2022, someone walked into a Regions bank in XXXX, Indiana and used 2 forms of fake ID posing as me. 
They withdrew {$6200.00} from my savings account. I have the same name as my mother and they went to a second branch in XXXX 30 minutes difference and stole {$6500.00} from my XXXX year old mothers checking account. I discovered this and my mom and I went to a local Regions bank in XXXX to report it. They saw that it was obvious fraud and turned it over to investigations and said the money would be back in our new accounts in 2 weeks. 5 weeks have passed and no return has been made. After the first 3 weeks I called the branch in XXXX and talked to the branch manager who knew nothing about it. 
He looked it all up and said that the XXXX branch had not had us fill out the proper fraud forms so my mom and I returned to the bank and filled out the forms. 
Now it has been 5 weeks total since we reported this to Regions and we keep getting excuses and un returned phone calls and apologies but no return of the money. 
We now have an attorney involved because we have exhausted all other reasonable means and our patience is gone. We dont understand why they claim to be FDIC covered if this is how they respond. It is not our fault that 3 weeks went by and nothing was done because Regions bank failed to have us fill out the correct forms. We can not get anyone at the bank or the security department or their fraud department to act like this is a pressing issue. 
My mother and I believe that {$12000.00} stolen is a big issue and we feel they are in violation of FDIC. We understand an investigation is going on but they should make the customer whole in the meantime. We have been loyal customers of Regions bank for decades.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has stated this account/item was updated from our processing of your dispute in XX/XX/2023 information is still inaccurate on this account. How could that be if this account was reinvestigated and presented with all accurate information. 
my address ID on XXXX XXXXs XXXX, the address ID showing for this account is XXXX that address does not match mines and i don't know who's address that is. as you can see in the screenshot, transunion is reporting this last verified XX/XX/2023, nothing here on XXXX, since the last investigation XXXX has deleted this account As of XXXX, if they weren't able to verify how is XXXX and Transunion verifying this account? date of last activity is still not matching, opened date is still not matching payment frequency is still not showing on XXXX and in the two-year payment history XXXX is still showing no payment for the month of XXXX according to the FCRA 15 USC 1681 everything must be 100 % accurate DELETE THIS ACCOUNT NOW

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 2020-02-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re Midland Credit Management ( " MCM '' ). 

In late XXXX, one of my credit cards owned by XXXX XXXX was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with XXXX, which reversed all charges, and also investigated the claim for me. My account with XXXX is current and has been at all times since that event. 

18 months later, MCM began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed XXXX this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, MCM agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, MCM filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) MCM is acting fraudulently, or with gross negligence, with respect to the claim for which MCM is wrongly attacking me, and, in doing so, MCM is using what I believe to be illegal, and without question reprehensible, tactics. MCM needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a string trimmer and maintenance kit from XXXX XXXX XXXX using a 0 % interest for 36 months payment program through XXXX XXXX. The payments included a one time promotional fee of {$150.00}. We were billed for the promotional fee for a total of three times. We spoke with customer service agents at XXXX XXXX twice about the billing error and continued to receive billings for promotional fees after being assured they had been dropped. The last customer service call assured us that the error had been corrected and our balance was {$0.00} only to receive another bill with a late charge. The next call to customer service we were sent to an account representative who was combative and claimed that we had two transactions which justified the second promotional fee of {$150.00}. The " second transaction '' was the maintenance kit bought when we bought the trimmer which cost for {$130.00}. Our initial billing only included one " promotional fee '', not two. The Account Rep said he would review the last call and get back to us and that it could  take up to 30 days to get the recording reviewed. He said that in the meantime we should pay the minimum payment so we wouldn't be charged a late fee. Despite 4 phone calls to " customer service '', we still have no resolution to this situation. 
It is remarkable that, even when requested, none of the XXXX XXXX reps would give us neither a confirmation # for handling this problem or confirm our conversation in writing in anyway. They have no direct phone number or e-mail. NOTHING. From our experience, XXXX XXXX Credit Service is dishonest and a financial predator to consumers.

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 2023-11-13
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was involved in an auto accident. I was rear ended while sitting in the turn lane waiting to turn. It totaled my truck. I went to the hospital did everything I was supposed to do. The XXXX XXXXXXXX XXXX XXXX contracted me. Gave me a claim number to use for all of my XXXX  care needs. I was told that all my bills was paid. Then later on I started getting a bill from the XXXX. I was thinking it was a mistake because I didnt owe anything and was told by XXXX XXXX XXXX all my medical bills was paid. So then I went to the billing department to find out whats going on. A lady told me that she couldnt get in contact with the insurance company. She said she called and left voicemails. And no one responded. I asked her did she mail a certified letter to them. She said no. Well this is a well known insurance company who also have a corporate number. So she told me since she couldnt contact them. They just put the bill on me. Which isnt right! I gave XXXX XXXX XXXX XXXX the claim number when I went to the XXXX. So how is all my other bills are paid except for this one? And I was told by the XXXX XXXX XXXX XXXX  that it was? Now XXXX XXXX XXXX XXXX has giving it to Mid-South Adjustment Co. , Inc. Ive disputed it. And they say I owe it. I received a letter from this today ( XX/XX/XXXX ) according to some of the letter. Mid-South Adjustment says According to our client they did reach out to you and your insurance adjuster how could they reach to the adjuster when it says they couldnt contact them?. Then it says Our records indicate multiple calls were made and statements was mailed also. Multiple calls wasnt made to me so who received the calls? They have the adjusters name on file. What does this have to do with me? Have they tried this hard to contact XXXX XXXX XXXX XXXX? How come XXXX XXXX isnt listed with me. This was a wreck that happened that wasnt my fault. Contact the at fault person. Because how can you make me pay something just because you cant get in contact with a WELL KNOWN INSURANCE COMPANY? I want this fictitious lawsuit dropped and repair my credit report and do not contact me about someone elses debt. You have the names, the insurance company, the information that says it wasnt my fault, and you didnt contact them with a certified letter. I even called and left voicemail. And no one responded nor returned my calls. When I found about this. Contact XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or the XXXX XXXXXXXX XXXX. Not me! Ive done my part. And just because you cant reach someone doesnt mean you put it off on someone else. Its already bad enough that Ive lost a lot due to someone elses negligence and now yall want me to lose again due to yall negligence of not contacting the right people for this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: The CMI Group, 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: Information belongs to someone else

Complaint:
Credit Management LP has an account on my credit report that doesnt belong to me. Enclosed is a copy of the complaint I sent to Credit Management LP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Galaxy Capital Acquisitions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is old debt bought buy a new creditor and now suing me. I informed them long ago I wouldnt be able to pay due to XXXX, spouse losing his job. The lawsuit is threatening to make me pay for attorneys fees etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: FIRST PORTFOLIO SERVICING INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice of right to dispute from Total Visa for Account # XXXX. According to the FDCPA, " RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Texas, XXXX Texas, XXXX Dear, XXXX XXXX XXXX Attn ; Legal recourse I am writing to dispute the accuracy of the information in my credit report that is currently being maintained by your agency. I have reviewed my credit report and have identified several inaccuracies that I would like to bring to your attention. 
Specifically, the following items on my credit report are incorrect : Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under metro 2 guidelines I dont recognize these accounts as correct I request that you conduct a reinvestigation into these inaccuracies as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of my credit report and any supporting documentation that I believe will assist you in your investigation. 
CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX I have also attached a copy of the letter that I sent to the original creditor requesting a correction of these inaccuracies, as well as their response. This correspondence satisfies the requirement under Section 611 ( a ) ( 2 ) of the FCRA for me to notify the creditor of the inaccuracies before disputing with the credit reporting agency. 
I would appreciate it if you could keep me informed of the progress of your investigation and provide me with a written copy of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2022-06-04
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have conventional mortgage that Rocket Mortgage has purchased and begun servicing from XXXX XXXX  XXXX. Rocket Mortgage promoted bi-monthly payments as a way of paying down the mortgage quicker. I therefore enrolled. 

Upon reviewing my first couple of statements, I noticed that Rocket Mortgage was not apply my payments as soon as they received them, rather they would hold them in an " unapplied '' status until the second payment of the month arrived, then applied both. During the time that my first payment was held in unapplied status, I continued to accrue interest on the loan and was not credited for any interest on my partial payment help in suspense. 

I have since unenrolled in this program as it is deceptive and it of no benefit to me but a benefit to the servicer since they are holding the monies interest free. I have now replaced the payments with a once a month autopay of the full payment amount. However, Rocket Mortgage still has a partial payment in " unapplied '' status that is leftover from the bi-weekly payment enrollment. XXXX full months have passed and Rocket Mortgage has received and applied XXXX full payments from me. However, they still have not swept and applied this partial " unapplied '' payment they have held in suspense since XX/XX/XXXX ( almost 60 days ) If the servicer is not required by law or contract to apply payments more frequently than once per month, they should certainly at least apply ALL unposted monies on the account at the same time they are apply the new full payments. 

I find this servicers tactics deceptive, dishonest and probably in violation of consumer credit regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : XXXX. Tracking # XXXX XXXX # XXXX XXXX # XXXX I MADE A CFPB Complaint About violations from the bureaus XXXX. # XXXX ( EXPERIAN ) XXXX. # XXXX ( XXXX XXXX ) XXXX. # XXXX ( XXXX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.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 2022-12-15
Company: Experian Information Solutions Inc.
State: PA
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:
My student XXXX XXXX are paid in full please mark account as such

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 2022-12-15
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not enough information to involve me to " debt '' Furnishing False inaccurate information to credit reporting agencies Cease and desist all communication resulting from this alleged debt. I am not requesting any further validation of alleged debt as obtaining nonpublic personal information without my lawful authority has occurred and constitutes as non aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that National Credit Systems Inc. are conspiring to collect unlawfully through fraudulent allowance of my identities use.

Company response to consumer: Closed with explanation