BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: AmeriCollect
State: PA
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 filed a dispute against Americollect for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it ) that you have on file and I also requested Ameicollect to Provide a copy of my signature with the provider of service to release my medical information to Americollect. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/2021. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Continental Finance Company, LLC
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 now XXXX XXXX XXXX on XXXX XXXX still throughout my whole XXXX due to XXXX. I called all credit card companies letting them know my situation of why I wouldn't be able to make a payment until I could get well from being XXXX  and contracting the XXXX XXXX  being put on XXXX XXXX  with a XXXX year old son while I'm extremely sick and unwell. I've always paid early keeping my balance very low. I was assured everything was well and to call and make a payment as soon as I was well. I called twice in two days once I got better and had paid in full to a {$0.00} balance on all credit cards. I asked for the late fees to be taken off and also for it to come off of my report of credit, to no avail did they help me with my credit report, after being told that everything would be fine and to focus on the health of me and mXXXX XXXX XXXX and my XXXX year old. Me and my husband were in the home buying process and with all of these late payments on our credit our daughter is about to be XXXX  and we don't even have the credit to get our home I advised them that I could provide any documentation from Doctors hospitals bank statements anything that they needed and so please contact me to provide anything that they would need to know avail. Please help me. Me and my husband are trying to buy a home for us and our children and we can't because of the hit that my credit has taken is so bad with these late payments I asked them for them to be removed because they said in the beginning that I wouldn't be charged any but I still was if you can please help me I would greatly appreciate it thank you very very much God bless 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 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, gave me two letters of release stating the debt wasn't mine Experian and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-02
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I wanted to link my once accounts to the XXXX XXXX XXXX XXXX XXXX APP, I was able to connect my XXXX XXXX BUT NOT MY PNC BANK, PLEASE INFORM PNC TO ALLOW THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: MoneyLion Inc.
State: PA
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:
MoneyLion is STILL reporting late payments to XXXX after multiple confirmations from them that they updated my reports ( XX/XX/XXXX - removed from XXXX, XX/XX/XXXX - removed from XXXX ). They are reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, and a 90 day late for XX/XX/XXXX to XXXX. Previously they had reported it as 30 days late XX/XX/XXXX, 60 days late XX/XX/XXXX and 90 days late XX/XX/XXXX. They then proceeded to have the credit bureau remove the account from my file, to re-add the account with the late payments having different dates. 

MoneyLion 's first email from the MoneyLion Escalations Department confirming my credit reports would be updated in 7-10 days to reflect the loan as paid, current, with NO NEGATIVE MARKS was on XX/XX/XXXX ( see attached email ). Then, I received another confirmation that the late payments would be removed, from MoneyLion, on XX/XX/XXXX. The second confirmation came after I filed a complaint with the CFPB on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX my three credit reports were updated to reflect the current on time paid status, with NO negative marks and paid 100 % on time. However a couple of days after I provided " feedback '' requested by the CFPB via the CFPB portal stating that MoneyLion answered my questions, did what they said they were going to do, etc., I received an alert that my MoneyLion account was again reporting 30/60/90 day lates to all three bureaus. Luckily I disputed with XXXX, and they removed it when I provided all proof that MoneyLion stated they would remove it due to it being INACCURATE. XXXX  and XXXX  would not remove the late payments. I reached out to MoneyLion again on XX/XX/XXXX regarding the account inaccurately reporting late payments and how it has reappeared on my XXXX   and XXXX  reports. Shortly after, I noticed the late payments were removed from my XXXX  report, but not my XXXX. MoneyLion responded on XX/XX/XXXX stating that the account was reporting accurately and ONCE again won't do anything about their inaccurate reporting. Not to mention, it is IMPOSSIBLE to get ahold of someone. 

I have attached all proof of admission that MoneyLion is inaccurately reporting late payments, and am requesting that they update XXXX  to reflect 100 % on time payments with NO NEGATIVE MARKS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix.

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help.

I have contacted TransUnion 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name.

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.

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 2020-08-02
Company: MiraMed Revenue Group LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I recovered a debit in the amount for XXXX .i ask that this be removed from all XXXX credit bureaus.i never heard from this company I dont know who this come is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Global Lending Services LLC
State: PA
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: Problem with personal statement of dispute

Complaint:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender this was ran through a third-party without my permission for these particular company thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report Portfolio Recovery Associates is reporting I owe them {$740.00}. An account I guess they got from XXXX XXXX. I sent a letter asking them to verify I owe this. I was requesting a signed contract bearing my signature. I received a statement from 2012. Nothing verifying to me I owe this..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MB FIN SVCS add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: United Student Aid (USA) Funds
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I demanded that the following accounts be removed from my credit report : USA Funds Account # XXXX, USA Funds Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The current loan with Freedom Mortgage corporation was acquired from another mortgage company a couple of months ago. My mortgage payment is due by the first of each month, grace period until XXXX. I use the Autopay of my bank on XXXX of each month. I checked with my bank and was told that my bank usually mail out checks a few days ahead. Freedom Mortgage deposited the checks on XX/XX/XXXX and XX/XX/XXXX. I received the late payment charge for XXXX and again on XXXX. I called Freedom Mortgage several occasions for the problem. They always blamed the USPS not very reliable, which may not be true. Finally one person from Freedom Mortgage admitted that their system was down so that they could not process payments on time. They reluctantly waived my late charges and warned me that they would not waive any more. The mortgage company put unnecessary burdens and blame on a borrower for a problem of their own.

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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed a dispute against XXXX for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it XXXX that you have on file and I also requested XXXX to Provide a copy of my signature with the provider of service to release my medical information to XXXX. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/XXXX. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is 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 2021-08-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the the servicer in XX/XX/2021 about them incorrectly reporting that some of my loans were reporting as late in the past. They had recently fixed some of their other errors on my reports but did not fix them all. They refuse to fix their errors and have not been responsive in the past to keeping me informed of the status of my loans. They now will be dropping my loans at the end of this year and I fear that their errors will never be able to be fixed which will adversely effect my financial life. Please contact them to get these erroneous late payments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: UT
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've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and XXXX written letter stating I was a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I forgot to return a XXXX internet equipment when I was renting an apartment three years ago and thus owed XXXX a couple hundreds. Instead of trying to contact me, XXXX just went ahead asked a company called Diversified Consultants Inc to collect the money. This collections agency called me last year but the agent is extremely unprofessional and acted exactly like frausters trying to blackmail me money. They did not explain why I owed money ( I had no clue that time ), and did not even trying to communicate with me, stopped me when I tried to ask questions and never listened. They just tried to intimidate and scare me to pay them the money thru phone. When I searched this company online, everyone said this company is a scam ( if you XXXX it you will know ). So I took them as a scam because they acted so and everyone said so!

Months later, I saw this collection account on my bureau report then I realized this company is actually a collection agency. I paid the money off immediately with XXXX and tried to contact the agency see if they can help me remove the collection accounts because they did not communicate well. But again, they acted like a scam and extremely rude. They said they can't even tell me whether they are collecting money for XXXX  until they confirmed my account. It is so ridiculous.

I think I should be properly contacted by a legitimate company that can tell me why I owe the money when I actually owed the money. But it is not the case. Right now I wish this company to disappear to make the world a better place, and at the same time I hope they could work with the bureau to remove the collection accounts from my bureau report so I can have a credit score that actually reflect my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They dont have the right information or cant recognize, I answered questions correctly and want me to go into a store to add my bank card to XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I believe someone or some people may have and or are using my social security number. I know this because times I would use my sss I was told my identity did match with what they had on screen this was at XXXX on several occasions. Also the last time I was able to review my credit it was bad which is wrong because I never used credit at all. So I would appreciate it I could get some help on dealing with this I know it has been long over do but I need to deal with this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of 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 non-monetary relief
Consumer complaint received 2018-06-10
Company: Army and Air Force Exchange Service
State: VA
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:
I contacted AAFES a few weeks ago asking them to delete late payments. I explained to them the reason why I was late and my efforts to make sure it never happens again. I never got a response. I had to call to learn my request was denied. I am disappointed because as a XXXX, I would think AAFES would work with military members. They did not explain why my request was denied. To make matters more confusing, AAFES was garnishing my pay so I safely assumed that would be the normal thing until the account was paid, which is why I stopped paying online. It didn't make since to pay the bill more than once. I was never notified of the garnishment and I wasn't notified when it stopped. I signed up for a payment plan to make sure I make the same payments on time. I'm even willing to pay more towards the loan if someone would assist in removing the late payments. I am asking for compassion due to the fact I fell behind on payments because I had to get a new vehicle the same month I started a new job. All of this I also explained and I got no help, guidance, or sympathy. All i'm asking is for someone to work with me.

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