BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is 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 2021-10-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical collections company have violated my HIPPA rights. No HIPPA form was signed for this collections company to access my medical records. And this is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted each company various of times and i have gotten no where. On The Florida office of Financial Regulations this company licensed has expired and is illegally doing business in Florida as a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In reviewing my report from Transunion, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Transunion automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : 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 XXXXXXXX. I do not know who this information belongs, but it is 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 2018-05-23
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they showed my admission papers but still failed to show any agreement where me and the creditor agreed to the amount being charged, my admission papers does show any promise to pay or agreement to pay it. you dont see my signature or initials from 1-8 you see my initials on the line that i consent to photographing or videotaping for medical purposes only, i checked number 9 and initialed number 10 boxn 12throu 14 not how i check boxes, then my signature at bottom which nothing in said document showed an amount of money or what me and the creditor agreed upon. and all in which has been photocopied which wont even stand in court, how i know this the same way your going to know this if you cant provide an agreement with an amount between me and the hospital ill be filing suit on XX/XX/2018, unless you provide and contract or agreement, not admission documents, then we can see hows right or wrong on this matter. 
by the way when i called the number you provided your not even in that office. so im sure where probley going to court.

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 2022-09-11
Company: EQUIFAX, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The processing order in which Regions Bank chooses to process transactions causes the members excessive overdraft fees. 

I was charged six XXXX  overdraft fees for one transaction that put my account in the negative.

Regions is stating that there were 5 transactions pending when the actual transaction was completed that caused the account to go into the negative. I am not disputing one XXXX  fee however I am disputing the five additional NSF fees, as my account did not truly have NSF, as all of the transactions had already cleared my account at the time of the one XXXX  XXXX  XXXX  that caused my account to be overdrawn.

Regionsprocessing order of transactions is not timely and there systems do not reflect pending transactions causing excessive overdraft fees. This is a known problem with Regions and I was informed that a new process was being put in place due to customer complaints. 

My account is over dra

wn XXXX  in NSF fees when only one trans action was made to cause the account to be with drawn. The total in my account today is negative XXXX. I made a XXXX  XXXX  XXXX  on XX/XX/21 causing the acc
ount to be negative XXXX.

At the time of the XXXX  the other 5 transactions that Regions is claiming caused additional NSF fees, were already clear in my account and paid out of my own balance. And that is reflected in the screenshots. All 5 transaction the bank is claiming were pending on XX/XX/21 already showed posted to my account. Furthermore the amounts of those transactions are not reflecting in the XXXX balance I owe outside of the XXXXs in overdraft fees. Meaning the bank never covered those charges due to my account being non sufficient. 

I dont not understand how I can be charged 5 nsf fees when the account was not non sufficient. 

Please help. I can not afford these fees and I do not owe the additional five fees.

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 2022-01-07
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On repeated occasions in late XXXX and early part of XX/XX/2019 legal representatives of Attorney law firm Cooling Winter ( http : //www.coolingwinter.comXXXX  ) come to my home looking to collect for XXXX XXXX which does not reside at said residence and to cease. I advised them this and they continued to harass my household. The last straw was when a XXXX XXXX XXXX or acting representative tormented via questioning attics and forced a child in my household to take legal documentation that does not pertain again to anyone in this household. I emailed them to not contact us via phone, mail, or in person anymore for a debt that is not ours and not abiding by legal guidelines in place for fair collecting debts. Recently I was told by one of my neighbors that they have been scouting the area. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: GATEWAY FIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked if I would be able to refinance my FHA mortgage with Gateway Mortgage Group LLC. Im currently on forbearance and they stated they would not refinance my mortgage as part of their rules. I asked for a letter stating guidelines while on forbearance first they stated they will not send any letter, and also stated, we will mail it to you. I have not received any kind of rules/ guidelines. Also, they are premiering to the credit bureaus that I have missed payments due to the pandemic and they have not fixed it. They are charging me late fees and any money that I have paid to my mortgage they have not applied to my balance. I was informed by phone that my mortgage was sold to XXXX XXXX and have not received any letter stating this action. When I asked they said it was mailed XX/XX/2021 and I spoke to XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: MA
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:
Thank You, The company in question is Experian. I have nearly a 100 point difference in credit score due to their faulty standards. My XXXX score is XXXX while the Experian sits at XXXX. It is a XXXX shoot which company providing credit uses as to whether I am approved or not! The biggest problem is an item named XXXX. This is NOT my account! It clearly states date opened of XXXX 2020. If you review my accounts, it is NOT there! I have not missed ANY payments in 5 years! As you will see all say exceptional! It is {$490.00} from XX/XX/2020. NOT MINE! acct number XXXXxxx of which experian has the rest! I have tried to challenge it on the web, to no avail! I then called, waited nearly 15 minutes, was told I would be transferred, then HUNG UP ON! This is INSANITY! I don't have this problem with XXXX or XXXX! How can you have a credit score of XXXX and NO late payments for 5 years???? Both XXXX and XXXX are far and above very much higher!!! As you will plainly see, all accounts showing as of the last five years show exceptional!

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 2019-12-02
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a student that was serviced by XXXX and I have been paying on it since XX/XX/2019. The loan was consolidated by Fed Loan Service, and they offered a loan forgiving program for Public Service Employees. I  requested an income sensitivity plan as part of the loan forgiveness program. 

The company placed me in a program to forgive my debt within 10 years ; however, I found out that the program is more window dressing than actually serving the best interest of the clients. My pay was sent to {$880.00} dollars per month which over the life of the loan would be {$100000.00} which would have settled all debts. I explained to them that I have other bills that I have to pay as well. I struggled for months until XX/XX/2019, and I finally realized that I could no longer survive this payment amount. On XX/XX/XXXX, I went to pay a bill online and my card was declined because of not enough money in my account. Luckily I was able to borrow some money to help pay that bill as well as my car note and insurance. 

On XX/XX/2019, I contacted the company and asked for my loan to be postponed because I am having issues making ends meet. The service rep suggested that joined the repaye program which should lower my payments. However, I believe it is more window dressing because I will still have to submit a form from my employer to certify that I am still a public service employee. This seems more like windows dressing because the rep stating if my income increases, they would take more money. 

On XX/XX/2019, I emailed the company and provided reasons as to why I could not afford to pay close to {$900.00} per month and total expenses including all loans of {$2900.00} per month. I explain that I have rent, a car loan, and credit card payments due around the same time as their payment. It leaves little to no money left out of my paycheck. 

Also, I asked them to cancel my repaye application until I had an opportunity to plan the best course of action. I may opt to do the 25 years fixed payment plan because it will provide a low fixed payment. I have been thinking about that all day because it might be their mode of operation to force people to chenge to 25-year plan. 

I need to resolve this issue before I go bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried to make a transfer into an account at Fifth Third Bank in order to cover a check I was writing. I initiated the transfer before writing the check, but the transfer, for some reason, did not go through. As a result, the bank charged me an Overdraft Fee when the check was paid. If the transfer had gone through, as I was led to believe it had, I would not have been charged the fee. The bank refused to reverse the fee, citing previous reversals within the last year. In fact, one of the two reversals had been miscategorized as a courtesy reversal, when it was in fact a reversal due to bank error, similar to the one that just happened. I believe Fifth Third bank is intentionally mislabeling fee reversals in order to extort more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
the processor who screwed up my file, XXXX was fired two days after his mistake. 

The underwriter admitted they messed up as well as lender. 

Should of advised me Bc I reached out to to 2 other lenders who were able to access the file in less that 2 hours and notify me that the loan could not be done Bc of the foreclosure.

I had a 21 financial contingency and because of their gross negligence the day before closing I was notified that i was not going to be able to close the next day. I lost my $ XXXX in earnest money and could be sued for more Bc of the sellers time wasted with property off market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. I do not go by any other names. remove these names from my report as they're incorrectXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I do not live or ever lived at XXXX XXXX XXXX XXXX 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 
Please update this information on my credit. I have provided my drivers license in the attachments.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose

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 2023-06-11
Company: Monterey Financial Services LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
YESTERDAY, Monterey Financial Services LLC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX ( XXXX ) XXXX, A COLLECTION COMPANY, ILLEGALLY SUBMITTED TO MY BANK TO WITHDRAW FUNDS THROUGH A MONTHLY DEBIT CARD PAYMENT WITHOUT MY KNOWLEDGE AND AUTHORIZATION FOR AN ACCOUNT I DO NOT HAVE AND HAVE NOT AUTHORIZED. 

I DON'T KNOW HOW THEY GOT MY BANK DEBIT CARD ACCOUNT INFORMATION, BUT THIS IS UNACCEPTABLE, UNPROFESSIONAL FRAUD AND THE COMPANY SHOULD BE CHARGED ACCORDINGLY AND ALL THREE OF MY CREDIT REPORTS BE UPDATED TO REMOVE THIS ACCOUNT ACTIVITY IMMEDIATELY PLEASE. I HAVE BEGUN THE DISPUTE PROCESS WITH MY BANK. I ALSO SUBMITTED A COMPLAINT TO THE XXXX XXXX XXXXXXXX IN THE STATE OF THE COLLECTION COMPANY. PLEASE HELP. THANKS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX XXXXXXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX  XXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.

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