BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
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:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2020-05-23
Company: Global Lending Services LLC
State: GA
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:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2018-09-19
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a complaint against this company with you on XX/XX/2018. Finally received a response in XX/XX/2018. Alliance stated : we have been authorized to present the attached settlement proposal. Upon receipt of the payoff funds, the Claim of Lien will be satisfied and the account will be closed with Alliance, per standard operating procedure. The balance they were requesting was {$650.00}, I responded to them to let them know I was agreeing to this payment. I also asked to make three installments as we are a family below poverty level. I received a response back stating I now owe {$750.00}. This was within a few days of the settlement. They are trying to extort additional funds I do not have the means to pay. I want this settled once and for all and that is the reason I will agree to pay only the amount of {$650.00}. They are using stall tactics in responding to me and then charging collection fees. There should not be any collection fees when the company does not validate the initial debt due. They never provided a final payoff as requested back in XX/XX/2018. I go to pay the agreed settlement amount and they want more.They are also making false statements as the lien has never been recorded with the county. I just want this done with and will pay the {$650.00}. I do have consumer rights and they are being abused by Alliance CAS. Please resolve as they have proposed with the initial settlement of  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 2018-02-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
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:
In XX/XX/2015, Tide Water Finance are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 : Contacted Kinum ( collection agency ) about phone calls alleging a debt owed, and that they were going to take legal action. The Kinum representative hung up on us. Called Kinum back, and it took multiple verbal requests to receive actual Kinum Account Number, the representative kept giving me the Account number associated with the original debtor but not the account number associated with their collection agency. Finally received Kinum account number. When I asked the representative to not interrupt me, they hung up on me. 
- We have never received any mail notification of this debt from this debt collection company and had told them so every time they contacted us via phone. We had requested multiple times that the debt information be sent to us via Certified Mail and all Kinum Representatives we talked to stated they would not do that. 

XX/XX/2019 : Sent a Verification of Debt letter to Kinum via Certified Mail with a Receipt. The letter specifically requested the Verification of Debt be sent via certified mail since Kinum is claiming to have sent multiple bills to us but we have not yet received any. Tracking number from USPS indicates Verification of Debt letter was delivered on Tuesday, XX/XX/2019. 

XX/XX/2019 : Received a mail notification of debt, but only details approximately half of the debt they are saying that has been owed. There is no information detailing the other half, except on the payment coupon to return to them that states we owe almost double of what they provided information for. The debt that does contain details does not include : verification of debt, itemized statement, name/ address of original creditor, & evidence that we are legally responsible for the debt. It only includes the " Date of Service. '' Attempted to contact Kinum again, but phone number on the bill received on this date does not offer options to talk to someone, only and option to leave a message, but no way to leave an actual message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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:
I sent a certified letter to XXXX  XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.

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 2021-02-03
Company: STEWARD FINANCIAL SERVICES LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, STEWARD FINANCIAL SERVIC add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-19
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had XXXX XXXX install Phone and internet service. In XX/XX/XXXX, I decided to change to a different service provider. I then started to receive bills for " early termination fees ''. I contacted the company, because I never signed a contract with them and asked me to send me copy of the supposed contract. It took several months and several phone calls for them to send " a contract '' to my email. XXXX sent a copy of a contract with a digital signature. This is absolutely NOT MY SIGNATURE! not even close. I tried disputing with them and investigating with not much communication from them. XXXX turned me into collection agency and I have called and mailed several letters of dispute. 2 attached letters state that they have received my letter of dispute. They apparently do not investigate, and just ask XXXX if I owe money, they say yes, then that is it. I lose because I am an individual and they are a company. I did not sign a contract. They should not be able to collect money from a forged signature either. Also right above the forged signature, it states 24 month commitment. the fine print states different. I do not owe {$760.00} cancellation fees. I did not sign a contract! Please help!

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 2020-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.CAPITAL ONE / SAKS F  | XXXX Balance : {$3000.00} 2. CAPITAL ONE / NEIMAN | XXXX Balance : {$3400.00} 3. XXXX XXXX | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX/XXXX XXXX XXXX XXXX  | XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: KS
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:
I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights 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 non-monetary relief
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XXXX/XXXX/17, I submitted a complaint against XXXX XXXX XXXX. in which the account was closed with no monetary responsibility on my behalf. Every credit bureau has since then removed/closed the account from my credit report except TransUnion, they are continuing to report this closed account as open and derogatory. I have documents proving my argument.

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 2019-11-16
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been on PNC for months about never crediting my Cash Rewards Visa Signature Credit Card with the welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of you ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous!! First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. My girlfriend pointed it out to me and reminded me a numerous amount of times to spend a certain amount in order to get that bonus. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If we knew that PNC was going to try to screw me over and not give me my bonus as promised, one of us would definitely have screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. 

Please note if PNC tries to contact me their attempt will be disregarded. I have already spent a total of an hour on the phone with them several times over this matter. They need to just put the credit on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: TX
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:
fair credit bill act violations XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( fair credit bill act ) or ( FTC ) violations {$1600.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( hippa ) violation {$1700.00} all inquires ftc violatons XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Collections Attorney Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX I Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX SER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the closing of our purchase of our home ( XXXX/XXXX/XXXX ) I enquired why there was an escrow put on the mortgage since we were putting down 20 % of the purchase price. The mortgage initiating company, XXXX XXXX, agent explained that it was purely optional and that they could change the final forms but it would delay the closing date. They also told us that we could at any time in the future ask the mortgage servicing company to cancel the escrow account and that they would do it. MY wife did not want to delay the closing so based on the explanation from the XXXX XXXX agent, I understood that I could cancel the escrow account any time. On XXXX XXXX, XXXX, I wrote to OCWEN who now services the mortgage to cancel the escrow account because I wanted to pay the insurance and taxes myself. OCWEN declined my request in a terse letter that explained nothing. When I called them to ask for an explanation, they said that their policy is that I must have 25 % in equity in the house before they cancel the escrow account. I explained to them the promises made by the agent at the time of the closing. OCWEN refuses to honor the intent of the contract that we signed based on the explanation provided to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile Transunion, XXXX  and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

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 2021-02-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 45 days and I have yet to receive a response. I feel as though my complaints are not being taken seriously and I am being ignored. Section 611 ( a ) states that a faliure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. My information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.

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 2017-08-12
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this company known as ( Syndicated Office Sytems, also called Central Financial Control collection company same phone # XXXX ) these are the accounts # XXXX,XXXX,XXXX,XXXX, XXXX. I have called on many occasions I was asked what is your address connected to these collections? I said I have no idea, I do not know you they hung up on me. Other calls they say they can not speak to me because there is attorney name on file, after many calls I got my attorney 's office to call they did them the same way could not talk without my permission, they did say these bills are part of my insurance deductible, not true I do not have a deductible. They donot have address with these bills every address I give they tell me it is the wrong address or my phone numbers.Syndicated Office Sytems keep insisted I pay these debts that can not be proved they are mine. I am helpless & caught in a catch 22 please help.! It is amazing with the Hippa Laws they are able hold credit hostage with out truly being able to prove these debts are mine. XXXX has enabled all of this because they contributed to allowing 7 disputes this company has failed to send me any proof yet what is XXXX receiving to keep them iaacuratly on my credit file? My score can not get any lower, I have been denied credit and I am paying a huge homeowners policy .i want these inaccurate reports removed from my credit files ounce and for all Than you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation