BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: MARINER FINANCE, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been battling identity theft since 2015. I have contacted XXXX more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places XXXX refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting Mariner Finance LLC on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: RI
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:
Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NH
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 student loans that have been rehabbed are being report twice on XXXX and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih Granite State Management. So its 12 on each report. XXXX will not let me dispute this at all because I dispute back in XX/XX/2017 about the amount owed. 
This problem is sinking me. I need help. Other than this my credit is in very good shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a loan with Chase Bank ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I am buying a second home to live near my parents. Chase agreed to lock in my loan at 2.5 % with 20 % down and told me I was qualified. 

The loan officer said underwriting has questions regarding why I was buying another home nearby my current second home. I explained that this new home has a yard and is a single story. After multiple emails and calls, Chase finally gets back to me right before the close of escrow stating they will only offer me a loan at 30 % down and at a much higher rate of 3.375 %. 

I believe this was unscrupulous of the bank to entice me with a lower loan amount and then delay any correspondence until near the end of escrow with a much less favorable loan. 

My loan officer was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report, and saw an account for resurgent capital services for credit one in the amount of {$1000.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have repeatedly sent proper paperwork to have this debt that I did not authorize be removed from my credit report as well as sending proper paperwork including a notarized affidavit, an XXXX XXXX profile, police reports stating that I am a victim of identity theft to the actual creditor which is XXXX XXXX XXXX & the credit bureaus. This said documentation was sent in XXXX XXXX XXXX & now I am reaching out to them again. I am picking up a police report from XXXX XXXX XXXX and will be sending out another affidavit. Id theft report and police report to XXXX XXXX XXXX and the credit bureaus because this is ridiculous! I have rights!

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 2020-01-29
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yes I have have file an Identity theft remove in 2018 and this account was removed from my credit report and reappeared yesterday on my credit report. The is item alone took 89 points off my score and I am very upset and willing to do anything to make sure this comes off my credit report. This is not legal if something was removed and then replaced back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is in complete violation of the CFDPA, FCRA, HIPAA, They have listed seven alleged debt accounts on my credit reports which I have no firsthand knowledge of and no contract in existence proving the alleged debt reported is legally valid. No request for the services this organization provides was ever requested by me. They prepared negative and inaccurate information to credit reporting agencies. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPAA. I notified them twice via certified mail in regards to the accuracy of the information ; however, they have continued to report inaccurate information on my credit report and send me bills. The dispute letters I sent dated XX/XX/2018 using the address they provided to the credit bureaus were returned as No such number, unable to forward ( returned envelope and receipts attached ). This is evident that they reported inaccurate information to the credit bureaus regarding their address. I resent dispute letters dated XX/XX/2018 ( attached ) and they never responded, as I did not receive the signed certified mail receipt back nor were the packet returned to me. 
I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to receive credit, my reputation, as well as an invasion of my privacy. I am requesting that since they have not responded and can not provide indisputable proof bearing my signature of the alleged debts, that all the accounts be removed from all three credit report and that this collection agency cease and desist from trying to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the XXXX  o Wakefield & Associates and they agreed to remove the debt from my credit reports and close the accounts they have with my name and XXXX XXXX XXXX. XXXX  said they continued to certify that the debt should remain. That is a lie. XXXX never verified the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer 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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT XX/XX/2020

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 2021-09-10
Company: EQUIFAX, INC.
State: IL
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:
This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to Equifax. Only XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: DE
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:
Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by Equifax that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/XXXX I  received a bill stating I owed a company called XXXX XXXX XXXX an amount of {$1800.00}. They stated if I dispute the validity of the debt they would obtain verification of the debt or obtain a copy of a judgment and mail a copy to me. I responded to them via certified mail on XX/XX/XXXX stating that my letter was a formal dispute and I was requesting validation and proof of such a document bearing my signature that I owed them a debt. On XX/XX/XXXX they responded back with a letter stating that they worked for doctors around the country and I owed a balance to them for {$1800.00}. They showed a invoice number and a account number but not what was requested of them. On XX/XX/XXXX I noticed this account on my credit report under account number XXXX. On XX/XX/XXXX I sent them another letter certified mail stating that they had not provided me with viable evidence showing that the account is being reported accurately. I advised them the description of the procedure being used to validate this debt is requested. This includes the names, addresses and phone numbers of whom they validated the debt with. This letter was not signed for or picked up by the company so I resent the same letter out on XX/XX/XXXX. On XX/XX/XXXX they responded with the same exact letter they sent back on XX/XX/XXXX, still not providing the requested information. They sent the same exact letter again on XX/XX/XXXX still not providing the requested information. This account is showing " charged off '' on my credit report. Since this company has not provided the requested information to prove that I owe them a debt I want this account removed from 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 2018-07-28
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I had signed up with XXXX XXXX credit repair services on XX/XX/2018. I had given them from XX/XX/2018 until XXXX and to see if they had done anything for me. They had stated false claims on each and every telephone call. I had felt that I was being strung along just for them to keep collecting money from me for services not preformed. I do believe that giving them a total of four months was more than a fair amount of time. I had called to cancel and I was hung up on a total of three times. The fourth phone call I was finally able to talk with a person that had said they would send me an email conformation stating that I had cancelled my services on XX/XX/2018. I have not received this email as of yet. They had immediately charged my credit card as I was on the phone with them. I was using the home telephone and my mobile phone showed an alert from my bank that my credit card was charged {$72.00} dollars. I was paying {$89.00} per month for their services that were not rendered. So I am assuming that this {$72.00} was a prorated charge. The person I had spoken to on the phone attempted to entice me to move up to their higher level of service. That being {$100.00} and XXXX even though I had explained to them that I was cancelling service due to a financial hardship. They then had went onto stating that I could then receive the same level of service for a much lower cost. They told me that I could have the {$89.00} service level for {$24.00} per month with all the same exact features and level of service would remain the same. I felt robbed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23
Company: Nationwide Recovery Systems, Ltd
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX a debts collector call asking for money asking for me to verify personal information he wants me to pay everything very pushing after a while I say yes I was gon na pay I just left the phone a hangout up and XX/XX/XXXX after my treatment in clinic a phone call came I say he there to talk to XXXX, he say is me, like he knew me, call me by my name I was confused he start asking about by social security again by social are this 4 your your social are this 4 your social, he say, he is the debit collector pushing I confused say yea and he hand up after I try to reach back the number just say nationwide recovery online people say is a debt agency that after you pay for collection it takes extra money for your credit I want to report it before it happens to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had amount withdrawn from account and no services were recieved. I contacted both XXXX and PNC and both were unable to assist. PNC claims it's XXXX and XXXX states I have to contact the merchant and is unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Alerts keep popping up on my XXXX transunion and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..

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 2021-03-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned the equipment to charter communications within the 30 day window. I know that because I moved out of state within that 30 day window. ERC for the first time in 6 years regarding the contacted me on the matter. Stating the it went to collections. I disputed it several times with them and stated that it didn't matter if I returned the equipment and that I do not owe the money. ERC told me that there is nothing they could do. Besides waiting 6 years to contact me they also want me to pay a bill when I returned the equipment and had a witness with me. 

They told me I can keep disputing it but I will still have to pay. 

XXXX XXXX  did not log in my equipment at the time that I dropped it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, In early XX/XX/2018, I opened Citi checking and savings accounts in response to a promotion they were running. The promotion offered a {$400.00} bonus after you deposit {$15000.00} into combined savings and checking accounts. I never would have opened these accounts had they not offered this bonus. I opened the accounts at XXXX XXXX XXXX XXXX XXXX CA XXXX. The banker who opened the accounts for me, XXXX XXXX, assured me that the offer was attached to my account. 

The terms said you qualify for the bonus after 60 days and it will be awarded within 90 days after that. I had {$15000.00} in on XX/XX/2018, 60 days later was XX/XX/2018, and 90 days later was XX/XX/2018. I have called Citi and used their online chat numerous times to ask what the reason for the delay is, and am always told that everything looks fine and they will " research '' the issue. 

The bottom line is that Citi has not honored the terms of its offer, and I feel like the bank is using deceptive advertising to rip me off. If I did not fulfill my obligation on time to Citi, it would charge me an expensive fee for paying late or overdrawing my account. Shouldn't this bank face a penalty for not honoring its obligation to me as well? 

XXXX XXXX checking account ... XXXX savings ... 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 2021-03-02
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to get my file with sage stream frozen and have not been able to get them to respond. 

My social is XXXX

Company response to consumer: Closed with explanation