BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: Merchants Credit LLC
State: IL
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:
XX/XX/XXXX - I was the victim of a hit and run driver. Pinning my XXXX XXXX between my car and hers causing my XXXX  to XXXX XXXX. Driver then drove off. I was XXXX XXXX and was transported by ambulance to nearest hospital. I am left with XXXX  XXXX  and XXXX. All of my medical insurance information was given to the hospital. XXXX, IL police department made no attempt to find this driver. I went through a year of medical treatment with XXXX and treatment. During this time I NEVER received one bill from this company. 
XX/XX/XXXX - I was sent and received a few days later a letter from a collection agency that this company had engaged. This was over one year after the incident. I called this agency and gave them all of my insurance information. My medical insurance refused to pay this as it was over one year, I had completed treatment, and they legally were not responsible. A few weeks later I was notified of this. I have an attorney and his name and phone number were given to them. I have {$47000.00} in medical bills. I have filed a lawsuit against my vehicle insurance, XXXX XXXX in order to get any and all bills paid and my medical insurance reimbursed for what they have paid. I have informed the collection agency of all this. However they reported it to XXXX  in order to damage my credit rating. I feel this was unjust as the ambulance company never contacted me personally in any way. Was this deliberate or just overlooked? This should be settled shortly and each and all facilities owed anything will get their money. I have cooperated as fully as possible giving them all information. Yet instead of billing me, they sent directly to collection agency over one year later.

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 2023-09-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Penn Credit called me repeatedly after asking them to stop due to an illegitimate debt. The Agent on the call today took an extremely aggressive tone from the start and got more rude when I asked for a moment to verify that their phone number was one from the company they claimed to represent ( Penn Credit ).

I asserted my rights not to be treated abusively and was escalated to a manager whom I informed that I would be filing this report, requested that they review the recording and requested again that they stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX and XX/XX/2023 PennyMac received two mortgage payments from my account totaling {$3600.00}. Upon noticing I promptly reached out to PennyMac, they claimed they processed my refund of my money. On XX/XX/XXXX I was told it was escalated and the money would show shortly. I was later told that they placed it on a " suspense '' account instead of refunding it to the account as directed. On XXXX XXXX customer service is now saying they will send a check in 14 business days because they can not put it back in my account, contradicting everything previously said by PennyMac representatives. Additionally, there is an eDisbursement account set on the account that would allow for the direct deposit of the funds back into my account. 

This were funds from my VA payment and has caused extreme hardship with PennyMac not wanting to return payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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 contacted Experian in regards an error with an entry of XXXX XXXX that appears on my credit report as charged off however this reporting is false along with the amounts that appear on my credit bureau Experian informed me that they contacted the company and they verified this information to be true. I decided to reach out to this said company and ask for proof of information that is being reported to Experian to my surprise the credit was shocked according to the letter attached that this reporting had been going on they stated they sent documents to all three credit bureaus to correct their error however time has passed and still Experian refuses to correct the inaccurate information

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 2019-11-15
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: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2021-02-02
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: FLORIDA HOME TRUST MORTGAGE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to access my funds and withdraw them but have not been able to. I have called and sent messages to the bank without an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased this car in NJ and paid the 6.625 % tax rate. I moved to Florida where the state 's and county 's total sales tax on cars is 7 %. US Bank is trying to charge me the full 7 % sales tax in Florida when I should only owe the difference between NJ and FL sales tax. They refuse to fix the issue. I have called three times.

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 2023-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my credit file. The persistent presence of these inaccuracies has caused significant distress and concern, necessitating immediate attention and resolution. 

I discovered unauthorized and fraudulent items on my credit report. Disturbed by this discovery, I promptly initiated the dispute process with your bureau to report the inaccuracies and request their removal. 


During my initial disputeI provided detailed information about the fraudulent items, including supporting documentation, and requested a thorough investigation into the matter. 


Despite the dispute process, I have made multiple follow-up attempts to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, these attempts have yielded no resolution, and the inaccuracies persist on my credit file. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also compromised my creditworthiness, affecting various aspects of my financial life. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent items from my credit file. This is crucial to rectify the inaccuracies and restore the integrity of my credit report. 

I implore your team to expedite the investigation into these unauthorized items to identify any discrepancies and prevent any further harm to my credit history. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and potential financial consequences caused by these fraudulent items, I request fair compensation for any damages incurred. Additionally, I seek assurance that credit monitoring services will be provided to safeguard against future fraudulent activities. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring the accuracy and reliability of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XX/XX/2023, XXXX, XXXX, XXXXXXXX XXXX  XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint today to inform TRANSUNION that I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION. I already filed my report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, TRANSUNION is required to follow up with the creditor or block any ITEMS listed on an id theft report. 
The following inquiries were not authorized and unknown to me that damages my file XXXX  Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXXXXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022

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 2022-01-24
Company: Experian Information Solutions 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:
THE CREDIT BUREAUS HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS ISSUE I'M HAVING WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT AND DRAGGING MY SCORES DOWN.

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 2022-10-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX  balance {$380.00}

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.

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 2023-09-06
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company has called me at least 7 times a day every day for the past few weeks. I work during the day and a lot of my work is done on my cell phone. The same phone they have been calling back to back to back. They even block their number and call me. Im only a month behind on a payment, them calling me non stop does not change my ability to many a payment. It actually makes it harder because its tying up my line having me miss work calls and stresses me out to the point Im not mentally motivated to work because they keep calling. I can screenshot my call log as proof. They have multiple numbers they call from. They called me on XXXX XXXX, on Sundays, on Saturdays. My daughter who is school, finance, and friends dont even call me that much. That has to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX of Birth : XX/XX/XXXX Capital One Account Number:XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Closed credit accounts To whom this may concern, I am writing this letter in regard to my closed accounts reported to my credit report.

I recently became a XXXX Veteran of the United States XXXX and I just looking for an opportunity to provide for my children and be the model citizen that I know I can be. My wife recently died in XXXX which has caused a huge financial burden on my shoulders and also forced me to raise our XXXX children alone and me being diagnosed with XXXX earlier this year. Due to those circumstances, I was not able to maintain my financial obligations with certain institutions. I am currently in between homes, and I would like to provide my children with a more stable environment. While I have no way to pay off my debt that I currently owe, I am hoping to do business in the future with the companies that have closed in hopes to show them that I can be financially responsible. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to my wife passing away and me having to raise our XXXX children on my own. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/22, My card number was stolen in some way. Two Transaction attempts occurred to XXXX in the amount of {$900.00} each time. The first was declined and the second was pending. I recieved text messages, emails, and phone calls asking me to verify these and a few other transactions. When I answered the second call from Ally 's Fraud department ( I had missed the first call ), I explained to them verbally that I did not make those two transactions and that I am not authorizing it. The person I spoke to, told me that the transaction would be stopped and that my card was frozen and a new card was on the way. I decided to call ally back directly within an hour to confirm that those things were done. I was told that the fraud department was stopping the pending transaction for {$900.00} and that everything was all set. Later I saw that the transaction had posted, I decided to wait and trust the people that I spoke with. Today I called Ally, they told me that they had not frozen the card, they had not stopped nor disputed the transaction even though they had records of my phone calls explaining that those transactions were not me and that I wanted them to be stopped or disputed, and that they had not sent me a new card exposing me to risk of additional fraud. The person I spoke to today did have records of at least my call into their bank so I can verify I spoke with Ally earlier about this on Saturday.

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