BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2021-05-28
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not own a XXXX XXXX  & therefore do not own this debt. I have repeatedly tried to call Diaz & Associates & I get no answer & can not leave a VM as their maibox is full ... They tell me that I must respond by XX/XX/2021 & so I finally just sent them a text today on XXXX disclaiming this charge to their text number ... I will freely give you the info as follows, as I don't own this debt : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CA XXXX ... Telephone # is XXXX, FAX # is XXXX, stmt was dated on XX/XX/XXXX of 2021 & after many repeated attempts unable to contact them I finally faxed them today on XXXXto dispute this charge ... Other pertinent info from this outfit from this notice is as follows : XXXX XXXX, acct # XXXX ( which I do not own ), File # XXXX, Balance of XXXX, & just as long as I pay XXXX by XXXX will call their dogs off ... I've learned that they have a # of fradulent claims that people have reported abouit this debt collection agency to CFPB, so pls get back w/me asap, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeatedly calls me ( anywhere from XXXXXXXX to XXXX CDT ) over and over. If I block the phone number, another number will repeatedly call me ( even several times in one minute ). They often use fictitious numbers with what appears to be an actual persons cell phone, but it is linked to the company. The threaten that they know who we are and who our children are or will say money will be removed from your account if you do not pay your outstanding debt with us. They company never says what the debt it or who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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:
This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible 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 2019-03-05
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i have a mortgage payment due by the XXXX otherwise i have to make a {$42.00} late payment and since i do not work anymore due to medical issues, so i do not collect a paycheck. i only receive my Social Security benefits in which i receive direct deposit on the XXXX  wednesday of each month, so i notify M & T. bank regarding this and told i can do a loan modification, so i did all that, now as of today on XX/XX/XXXX i called them and talked to them about changing my due date so i do not accrue late fees, and the only way to do that is to refinance and that is not fair, that i have to pay late fees because i do not get my Social Security check until the XXXX of each month, so 6 months out of the year it will cost me roughly {$250.00} extra per year, especially when i only make {$1600.00} a month and my mortgage is {$1200.00} and they should have some common decency and allow me to change my due date one time, since i never had it change.

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 2019-03-05
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to dispute the information with the company and also tried to speak to a representative to explain to them that this isn't me. Because I sign my name as 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 2019-03-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When reviewing my credit report from all 3 major bureaus last year in XX/XX/XXXXI noticed 3 collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, The only bureau XXXX after investigating was kind enough to remove the item. 

I am in the process of applying for a mortgage and this is a problem in being approved by a lender. 

The collection Agency information is listed below. 
XXXX XXXX XXXX XXXX They show 2 addresses On the letter head is XXXX XXXX XXXX XXXX, Ohio XXXX The envelope XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX I am enclosing documents showing how I have attempted since XX/XX/XXXX to obtain any information on this alleged debt and all I get is a piece of paper with 3 amounts and no documentation. 

XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX  XX/XX/XXXX - Letter to XXXX regarding identity fraud XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter from XXXX to me with no detailed information As you can see I have asked for information regarding these debts which are not mine numerous times.They should be removed from my credit reports. 

Thank 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 2019-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax for over a year now trying to get my bankruptcy discharge reported accurately on my report. I have sent in multiple copies of my discharge papers and identification. Equifax has repeatedly updated errors and created new ones. The latest errors created were for the following creditors : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Bank XXXX of Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various supposed disputes investigated by Equifax they have created errors on each of these accounts and are now reporting information that is completely fraudulent. All of these accounts were included and XXXX in my Chapter XXXX bankruptcy. I have provided the schedules ( which totaled over XXXX pages ) and the discharge papers as proof. Equifax will update the information as XXXX and then revert back to reporting erroneous information on each account every few weeks. I have asked for a thorough investigation and to cease reporting the fraudulent activity. I have contacted the creditors who confirm having received bankruptcy discharge status. To date Equifax has provided no investigation and have not updated anything accurately. I am only asking for my credit report to report accurate information, which is that the above referenced accounts were XXXX. They even went so far as to create an additional account under the creditor XXXX XXXX. To which I again asked why and to provide details so that I may sue the creditor. Equifax has not provided anything and when I contact that particular creditor I have been hung up on several times. This is beyond infuriating and the next step is a lawsuit with damages included. THESE ERRORS HAVE CAUSED ME TO BE DENIED HOUSING AND EMPLOYMENT for over a year. I have attached the discharge papers here as well so that you can see these accounts were XXXX. As an aside please note the XXXX XXXX XXXX XXXX is listed under several different agencies at this point, all of which were XXXX. XXXX XXXX XXXX XXXX was the original creditor and the original account was 15 years ago and NOT raged at all. But Equifax has placed an entirely erroneous information under the creditor name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVICES LLC has once again purchased old debt that has already been investigated and found to be not valid or legal. They have also been making unauthorized phone calls to my cell phone against my wishes. I have already informed them, again for the tenth time in over ten years, that this is not my debt. I have also informed them that this violates Oklahoma law, the original age of this debt is ten years old and this is way past the Oklahoma statue of limitations. Phoenix Financial has illegally placed this on my credit report with the date of service being XX/XX/2020. They know this is completely fraudulent and that I have taken legal action against them in the past for doing the exact same thing as now. They are the 4th company in ten years to harass me for this debt of which I have zero knowledge of. They have refused to produce ANY evidence for this credit file, because they have NOTHING. I will be seeking legal action against this fraud of a company for once again lowering my credit score. It is very obvious that they are taking advantage of the stressful times with Covid-19 to add old fraud to people 's credit report. They should be held criminally liable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Vital Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company repeatedly calls and does not leave a voicemail. When calls are answered, calls are disconnected without any communication. 

I was finally able to return a call on XXXX and advised the agent to suspend communications for 6 months. They called me back later that day, again, call was disconnected with no communication. 

Company tends to call 3-4 times a day. 

This has been going on since XXXX. 

They are also calling from 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 2023-07-07
Company: Westlake Services, LLC
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 2021-01-23
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This relates to my student loans as it relates to the covid-19 relief forbearances. I was under the impression student loan holders would not have to do anything that this would be automatically set by the loan servicers. Prior to the Cares Act my student loans with AES were in a IBR ( income driven repayment ) I assumed that the Covid-19 suspension would include all government loans ; however I recently received a letter regarding my loans on XX/XX/2021 and this is when I realized that my loans were never suspended but remained on the IBR according to the provision of the Cares Act and the Covid Emergency. 

The letter stated that I needed to recertify by XX/XX/2021 and start making payments by XX/XX/2021 though the Covid-19 Disaster forbearance expires XX/XX/2021. 

However if you contact AES and Fed Loan Services regarding student loans and the Government Covid-19 forbearance through their automated services both companies will send you a email stating that the forbearance may be ending soon not including the correct date XX/XX/2021. In the case of AES no actual date was included in the email, encouraging you to go into a payment plan, it is more like tricking consumers of possibly coming out of the government provided forbearance if they are in one. 

This seems to be true of American Education Services and Fed Loan Services both sent me a similar email which I will attach along with my the IBR Recertify letter from XXXX XXXX. I recently entered into a new IBR with Fed Loan Services on XX/XX/2021. Fed Loan Services automated email communication as of today XX/XX/2021 still states that the Covid-19 Emergency Forbearance expires in 8 days on XX/XX/2021 when it is clearly posted clearly posted on studentloan.gov and other sites related to student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a legal XXXX XXXX. After residing outside the U.S. for over 17 years I returned permanently in XX/XX/XXXX. I attempted to purchase a phone with my name and social security on credit and my brothers credit took a hit. I attempted again to obtain a XXXX  XXXX store card and again my brother took a hit and I was again declined. XXXX XXXX wrote me on XX/XX/XXXX and informed they were unable to confirm my identity. The provided links to the 3 agencies and I contacted them all. Through XXXX XXXX I was finally able to confirm my XXXX XXXX soft hit and a zero credit rating with XXXX XXXX. I contacted Equifax and XXXX  by phone and via fax provided copies of valid drivers license and social security card. Equifax replied by mail on XX/XX/XXXX and stated they were unable to locate a credit file for me because of 3 reasons that all applied : quote - You may not have a current file - You have not applied for credit recently - You have not actively used credit in the past 10 years. I took this to mean as in the other two agencies, I had a zero credit rating upon which I could start to build. However, on XX/XX/XXXX I received a letter from XXXX XXXX in response to my attempt to open a checking account online to facilitate direct deposit of my salary stating I was declined specifically in response to an Equifax credit score dated XX/XX/XXXX of XXXX, Contradicting Equifaxs correspondence of XX/XX/XXXX. Obviously they are still reporting my brothers information and preventing me from opening a bank account, obtaining and building credit and ultimately being able to facilitate my employers requiring a method of direct deposit forcing costly alternatives such as check cashing services. I am appealing for your assistance as legal services are equally costly and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2023-02-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX & XXXX, the XXXX XXXX XXXX  XXXX and XXXX, representing the executrix of the Estate for Loan Number XXXX through Fay Servicing, LLC., sent a payoff request. It is now XX/XX/XXXX and they are still not complying with our request. This goes against federal law as it is not in foreclosure so they should have complied within 7 days. I have called vigorously to get the figures for the pay off amount. I then went through XXXX XXXX XXXX XXXX as it had been transferred to them and sent them the same payoff request on XX/XX/XXXX and apparently Fay Servicing is not answering them, either. Again, this goes against federal law. This is absolute nonsense that we are still trying to get a payoff amount or even an answer from Fay Servicing , LLC, more than 2 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good Evening, I was unabled to open a Bank Account with XXXX XXXX XXXX. A few weeks later received a letter saying I have things in revolving credit and charges in collection. I received my credit report and it says I owe Bank of America XXXX from XX/XX/18. I do not recall this overdraft of this account.

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 2019-11-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019 Td Bank XXXX XXXX XXXX XXXX XXXX Case : XXXX To Whom it May Concern, I filed a dispute on XX/XX/2019 for the amount of XXXX. 

This transaction was debited from my account on XX/XX/2019 paid to XXXX XXXX via XXXX payment. 

This payment was for services that were not provided. The recipient acknowledged the services were not provided as agreed and offered a full refund which I accepted. The refund was never issued and the recipient stopped communicating. 

I have attached all supporting document for this case to be properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then TD Card services puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, TD card services, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and TD is not doing much to help.

Company response to consumer: Closed with explanation