BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to M & M Credit in regards to this alleged debt. On XX/XX/21 the alleged debt was removed and the balance was decreased to XXXX. Exhibit is attached. 
I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to XXXX FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2022-10-12
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amsher debt collection keeps reappearing on my credit report for collections, I have disputed this with XXXX and others and they still show as the debt exists. 
attached are both an email and print out from my account that this XXXX was paid in XXXX using my hsa card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : 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 2023-01-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Regions Bank on my consumer credit reports, as a charge off inquiry. Regions Bank cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Regions Bank must fill a form XXXX ( please provide me with a copy ). 
Regions Bank has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.

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 2023-03-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complalint is a follow-up to the complaint filed on XXXX/XXXX/XXXX. Several hours after that compalint was filed, XXXX from client advocacy at Truist called and said my case had reached the hightest level and gave me the case number XXXX, She also said she would get back to me within seven days, which was yesterday and I have not heard from her at all. This week I received one letter dated XX/XX/XXXX stating they would send a new deferral or workout option that would need to be exucted. The one on XX/XX/XXXX offered options to bring paymetns current such as a refinance or loan modification. It seems one hand does not know what the other is doing at Truist. 

On XX/XX/XXXX I filed the orginal complaint and Truist responded : For your mortgage account XXXX, the trial offer was mailed XX/XX/XXXX. Within the Trial Flex Modification agreement, the new approved terms are 121 months with new interest rate of 2.875 % and the new unpaid principal balance of {$79000.00}. The workout plan begins with your first payment due on XX/XX/XXXX in the amount {$970.00}. 

I have received that document and we signed and noterized it and sent it back. They failed to record it, and have ingnored the finalized exucted document that should end this matter. Plese note I have been paying {$97000.00} to Truist since XX/XX/XXXX, They say the money is in a suspense account. I was less the 15 months in forebearence.

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 2022-09-13
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a payment via XXXX on PayPal on Sunday XX/XX/XXXX at XXXX. It was described to be available in 3-5 business days. On Friday XX/XX/XXXX, my XXXX still was not available in my account. I called customer service and they said it hadnt been the full 5 days because of the XXXX XXXX holiday. On Monday XX/XX/XXXX, the XXXX was still not available in my account. I called customer service and they told me it would be available later that day, as I have seen the FULL 5 days out. Today is Tuesday XX/XX/XXXX, and the money is still not available in my account. Why should my money sit in an interest bearing account on the behalf of PayPal for over a week? Where is the interest payment to ME on MY money that PayPal has held for over a week now? How am I supposed to run a business this way?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 2022-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or before XX/XX/2018 I opened a BMO Harris Bank Account Online and the XXXX Department XXXX me and Told me My XXXX XXXX and XXXX XXXX Account is From A XXXX XXXX and BMO Harris Bank is terminating our Relationship. XXXX XXXX Bank, will allow me to receive a Checking Account however BMO Harris Bank has to close my Account I didn't know I had ; {$980.00} Dollars & {$2600.00} Dollars and I never use money from BMO Harris Bank

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 2019-12-03
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Speedy Cash threatened me by way of XXXX XXXX XXXX saying if I do not repay the XXXX I borrowed I would owe them XXXX but also said there was a judgement on XX/XX/28 and I could face garnishments and what not. I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL 3 CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED XXXX, TRANSUNION AND XXXX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

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 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 2022-09-13
Company: EQUIFAX, INC.
State: NV
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 been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter today ( XX/XX/XXXX ) from Chase stating they are closing my credit card accounts. When I called the number on the letter to get some answers, the representative would not help and just kept saying it was not his department 's decision so he didn't know anything and couldn't do anything. When pressed to provide an alternate number where I could get an answer, I got their general customer service number, which again, is of no help. 
I searched online for other methods of contacting Chase and read hundreds of posts from other consumers whose account had been closed with no satisfactory explanation and one of them said to email the executive offices for a review of the case. 
I wrote an email detailing dates, the transactions that happened on those dates, and provided documentation about the legitimacy of the charges and payments ( I paid permit fees to the city where my business is located and paid off the charges the day the transaction posted to keep my balance low ). 
The email was returned because the one published email had a " fatal error '' in it and the other rejected my email because I'm an " unknown sender ''.

I am seeking a review of the case by a member of the executive team and a reversal of their decision so that Chase doesn't end up ruining my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit take and noticed a collection from a comoa y I have never done business with nor ha XXXX any contractd with. This fraudulent claim could potentially cost my family many XXXX  of dollars. 

CREDIT COLLECTION SERVICES XX/XX/2023

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the XXXX XXXX in XXXX. I have been consistently current on my mortgage payments. On XXXX, I should have received a {$5000.00} principle reduction in XXXX after completing 60 months of on-time payments. 

My Escrow Review in XXXX state there was a underage of {$22.00}. Between XXXX and XXXX, my property tax was reduced by about {$240.00}. My Home owners insurance increased by only {$3.00}. 

Select Portfolio is now claiming I have a underage of {$680.00}. This is impossible and I now totally question what is being done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-12-14
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter from LVNV Funding aka RESURGENT regarding an XXXXXXXX XXXX XXXX  account and I sent in a dispute letter to them on XX/XX/2023 stating this proposed debt was originally disputed with the original creditor. I sent them this within the 30 days validation of debt notice. On XX/XX/2023, LVNV Funding listed this disputed debt on my credit bureaus with an open balance. Under the FDCPA which governs collection this is a violation of my rights as they can not report this to a consumers credit under a dispute. I want this removed from my personal credit file. 

I have attached my original letter that was sent to them within 30 days of first notice along with an attached screen shot of my credit bureau showing the collection account and balance

Company response to consumer: Closed with non-monetary relief