BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXXXXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-05-21
Company: CITIBANK, N.A.
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 was a victim of Identity theft and a result of that several account has been reported in my credit report that are fraudulent and not mine i have send THESE COMPANY all documentation of the illegality of these accounXXXX XXXX XXXX ... 
BEST BUY/CBNA XXXX 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX ... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX ... 
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 2023-09-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018, HCRVGRP. ( Heath Care Receivable Group ) ( collection agency ) reported an inaccurate debt to all 3 credit  bureaus. ( I do not owe the debt reported ) They were made aware this information was not correct and sent a delete letter to all three bureaus. I was told it can take up to 90 days for the inaccurate reporting to delete. The Information was deleted from all 3 within 30 days. Great right um no. The problem is on XXXX XXXX  HCRVGRP rereported the false information to XXXX  again causing my Credit score to drop. XXXX points. They have information from the original creditor acknowledging the debt is not owed. I called and spoke with HCRVGRP on XX/XX/18 I was told the would resubmit delete later to XXXX  for the second time. Meanwhile, it can take up to 90 to fix the error once again. I'm currently in the home buying process and can not afford mistakes like this. This error put a major ding on my credit report and home buying process for the second time. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a XXXX XXXX with a set income ; assigned to XXXX XXXX XXXX. I was assigned to XXXX XXXX XXXX for treatment by XXXX XXXX. All procedures were approved prior to treatment. Each doctor 's office were contacted prior to the schedule procedures the dates were set from the doctors ' office. Written authorization were issued by XXXX XXXX. I presented the papers at each visit for XXXX I stressed '' do not file with any other insurance but XXXX  '' .I was ignored ; XXXX XXXX XXXX then filed the procedure with Medicare first not XXXX. Medicare denied the charges. I don't know if the charges were ever filed with XXXX. I have been turned over to the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX. ) for none payment instead.Each time I have been contacted I informed them that the procedures were filed with the wrong insurance. I have not been contacted to say that the charges were ever filed with the right insurance company by XXXX XXXX XXXX XXXX nor by the Collection agency. If I make any payment then I will not be reimbursed. I do not think the charges have ever been file at 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 2023-09-15
Company: Credova Holdings Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is called XXXX XXXX XXXX and they have not answered any of my phone calls in question about a collection that was put on my credit report. It was opened in fraud and this specific company is known for fraud. I have never even heard of this collection. Its stated it was opened on XXXX XXXX and I owe XXXX. I have tried to contact then but I have received no call backs and I put in a dispute and they even said I still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In a certified letter dated XX/XX/XXXX I requested Equifax and XXXX  to delete several accounts from my report. 

Per U.S. Code 1681b ( 2 ), the consumer must provide written approval for an account relating to that consumer to be reported by any consumer reporting agency. I have not given such approval for the referenced accounts. These accounts have used my personal identifying information without my implicit written authorization, which is Identity Theft as defined in 15 USC 1681q ( 3 ).

Instead of deleting the accounts, Equifax merely removed the name of each account but still kept the information on the report. 

On XX/XX/XXXX I called XXXX  to request for certain accounts to be removed, per the above referenced laws. One agent refused to listen to what those laws said and mistakenly said it's not allowed, another said I needed authorization from the creditor, and the 3rd said I needed to submit a dispute for each account. So far, only some accounts from the deletion request were removed from my XXXX  report. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Finance of America Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been paying the minimum or more every month and had no late payments this year. Nonetheless my balance is going up rather than going down each month. 
XX/XX/2023 -- {$14000.00} XX/XX/2023 -- {$14000.00} XX/XX/2023 -- {$14000.00} Additionally, the site states that I have paid {$320.00} in interest in 2023 and {$570.00} toward the principle of the loan for a total of {$900.00}. In fact I have paid a total of {$1400.00} plus an ACH charge of {$5.00} for each on line payment. 

I have tried to contact someone at the company and there is no option to reach a real person. I have also sent a letter with no resolution to the issue.

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 2020-09-16
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Keep calling my family looking to talk to me. Calling me several times a day and when I ask what about they refuse to tell me then tell me that they are suing me. I asked for validation for debt but refused to get me the information. They still wont tell me what the account even is so I am not sure if its even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was notified by XXXX that a transaction was made for {$3400.00} to an merchant unknown by me so I file a fraud claim with the bank, They made a provisional credit to my account after calling the claims department several times and also visiting the bank a few time more about this issue. Then this weekend of XX/XX/2022, I received a letter after a period of about 2 weeks of their investigation that they had decided that I authorized the transaction or approved some else to make the transaction, and so they denied my claim. I am very angry about this as I DID NOT make or authorized this transaction using my ATM card. I further call the bank to cancel that card in question, and they send me another card in about 10 days. I have until XX/XX/2022 when my account will be debited for this amount unless I can get them to investigate this claim further, as it was deemed closed stated in the letter from the 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 2018-02-28
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've contacted XXXX in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked XXXX to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified Equifax XXXX  and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that XXXX has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, XXXX has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion XXXX also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Shellpoint Partners, LLC
State: CO
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:
There are three problems that occurred : 1 ) My mortgage company, New Rez, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has 30 past due, which caused my credit score to drop by over 100 points. It's outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was charged GAP and payments were incorrectly applied. I was repeatedly charged fees for late payments because they didn't apply a payment, fees for no insurance and insurance applied and added to my account because they claimed I had no insurance yet I provided proof multiple times. All these issues led to repossession and my credit ruined.

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 2020-07-25
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with PNC Bank. I have been trying to link my debit card to my XXXX account so XXXX XXXX can be deposited into XXXX XXXX but PNc has blocked this ability. I want to be able to link my card to XXXX ( through XXXX ). Ive tried to discuss this with PNC and they wont permit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

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 2023-04-27
Company: CITIBANK, N.A.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX & Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: ALLIANT CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Alliant Credit Union refuses to process and provide me with a 1098 for my home mortgage in 2022. I've contacted the company several time requesting a 1098 for 2022 and each time was told they " were working on it ''. It is now past the XX/XX/XXXX deadline and no 1098 has been provided by mail or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Uplift, 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:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ISSUE : My old mortgage company will not give me the certificate of lien release to show that they were paid in full for the 1st lien. This is preventing me from refinancing my second mortgage/lien. 

Explanation : My home address is XXXX XXXX XXXX, XXXX, MD XXXX ( some people use XXXX  as the city ). My home is located in XXXX County, Maryland. I originally purchased my home on XX/XX/XXXX. My original lender for my first lien was XXXX XXXX ( " XXXX '' ) and they [ XXXX ] transferred my loan to First National Bank of PA ( " FNB '' ). The deed is currently under XXXX XXXX 'XXXX  name as filed with the land records dept. in XXXX County Circuit Court. I refinanced my home 's 1st lien only and closed on the refinance on XX/XX/XXXX. After I refinanced my 1st lien, I then attempted to refinance my second lien/mortgage but was told I can not do so until I have the certificate of lien release showing that XXXX XXXX or First National Bank of PA was paid in full. I then called First National Bank of PA the end of XXXX XXXX and informed them that I need a copy of the certificate of lien release. I was informed that the paper work was being processed and I should call be back next week. I then called them [ FNB ] back next week and was informed that they ( FNB ) sent my paperwork to XXXX County Land Records Dept. on XX/XX/XXXX for filing. I then called XXXX County Land Records on and was informed that they did not have any documents from FNB or XXXX. I was told to call back in a week. I called land records again today on XX/XX/XXXX and was informed they still never received the certificate of lien release from XXXX or FNB. I need assistance because I am unable to refinance my second mortgage/lien without the certificate of lien release. I was informed the paperwork was sent on XX/XX/XXXX but land records confirmed they have no backlog or delays with processing/filing documents and they said they received no paperwork from FNB or XXXX.

Company response to consumer: Closed with explanation