BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: OneMain Finance Corporation
State: CA
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:
I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because XXXX cant even take out no credit card due to having bad credit because of them. XXXX XXXX is one of them I have never gotten no credit card with them and they claim I owe them when I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i Company placed the debt on my credit report as a collection agency as I have already explained to original debtor and they agreed was not my debt. Contacted collection agency very rude tried to explain to them not my debt stated did not matter would not remove it off my credit. Even offered to pay the balance not being me still stated that will not move off my credit report. The young lady was very rude and treated me as if I was some kind of trash off the streets. I will be forwarding to my attorney for violations of FDCPA and the federal trade commission as well. It is a shame that only do I have o spend money for illegal credit reporting but also waste my time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company name Wakefield. 

XX/XX/2019 I was bill by XXXX XXXX XXXX for XXXX XXXX from one hospital to another hospital. I call them numerous times with no result. When I got XXXX XXXX XXXX XXXX  involved. XXXX XXXX XXXX works with me and I was put on a payment plan. The bill was XXXX. XXXX XXXX XXXX agreed and settle for {$400.00}. I paid two payments of {$130.00} and one payment of {$130.00}. All payments was charged to my credit card. I just want them to stop calling me harassing me about something I already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I went through a divorce and my x husband was awarded the property and was to refinance and he did not. I had to file chapter XXXX bankruptcy and it was final XX/XX/XXXX. They were sent the information by the courts and didn't not remove my name off the mortgage as it was listed in the bankruptcy papers. I have called many times and they told me to send in paperwork. XX/XX/XXXX again called and the woman that I talked to says that they will not remove my name off the mortgage as its not in bankruptcy or foreclosure anymore. I tried to explain and she put me on hold and hung up on me. Can you please help me as this is a big debt and keeps me from being able to build my credit up. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had a student loan with XXXX and XXXX reported my account as 120 days late to TRANSUNION, which is incorrect. I entered into an agreement with XXXX in XXXX and told them that I would be going back to school in XXXX so they put a hold on the account until then. I didnt go to school in XXXX as planned. I called them and made payments in XXXX and XXXX per the second agreement I made with them to keep my loan from being in default. I have payment receipts to prove I made payments. They also reported that my payment was {$45.00} instead of the XXXX payments I was making. Incorrect information again. I contacted XXXX first and they did nothing to remove the false information in my credit report. I decided to consuct business with XXXX instead. The loans at XXXX are paid in full and the account is closed but TRANSUNION is still reporting the account as 120 days past due. It brought my score down significantly. All that I asked of Transunion was to remove the remark regarding my payments being 120 days late and give me back the points I lost on my credit score.  TRANSUNION has done nothing after I contacted them several times regarding the removal of the incorrect infomation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX XX/XX/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 2021-07-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I never noticed I have a collection balance on my account. So I paid it off I just need to remove that from my collection.I know this is not mine is owned by some other company but it still seems it's my name so I had to pay. But they didn't remove from my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND HAVE BEEN DENIED TWICE. THE REASON FOR DENIAL IS DUE TO INCOME, WHEN I GO OVER INCOME WITH MY SERVICER CHASE THEY INFORM ME THAT THE ONLY HOUSEHOLD INCOME IS MY INCOME. I HAVE A FIANCE THAT LIVES IN THE PROPERTY AND CONTRIBUTES WHICH I HAVE PROVIDED PROOF OF HIS INCOME AND A CONTRIBUTION FORM. CHASE HAS NO CLUE OF GUIDELINES BECAUSE THEY ARE STATING THAT FHA HAS A NEW GUIDELINE THAT DOESNT ALLOW FOR CONTRIBUTION, THIS IS OUTRAGEOUS. I HAVE RESEARCH MY LOANS GUIDELINES AND FOUND THAT THEY DO IN FACT USE CONTRIBUTORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a BBVA Compass Credit card holder for about a year and in XXXX and XX/XX/XXXX, I made some early payments with the thought of covering my upcoming big credit card charges. 
BBVA put a freeze on my card due to large credit balance. 
I contacted the bank multiple times in XXXX to allow me to process charges. Their customer service said there is nothing wrong with credit card and I can use it. But whenever I tried to use in stores, I get a decline. 
I made an over payment of {$11000.00} Tired of my money getting blocked, I asked the CSR if I cancel the credit card, will they refund the credit balance and the CSR said yes. Hence, I went ahead and cancelled the card in XXXX. 
But I still did not get the refund. 
After numerous calls, in mid-XXXX XXXX, they said they sent me a check. My online statement showed a line item as 'Credit Balance Refund ' of {$11000.00} on XX/XX/XXXX but I never received a check. 
I continued to make the calls. In XXXX, I was able to speak to one representative XXXX who was the only CSR out of 20+ reps I talked who was at least tried to make an effort to resolve it and he gave me his extension. 
He said that they sent the refund to 'Check Free ' who I used to send payments from XXXX XXXX bill pay service. But they were unable to provide me any tracking number. 
When I contacted check free, they could not find any refund and they asked for tracking information. 
BBVA has no tracking number, no details other than saying they sent the refund to Check free. 

1. I made 50+ calls, talked to 20+ people at BBVA and spent 50-80 hours either talking or on hold. They do not have any call logging or conversation tracking system. No one has any idea about previous history. I do not understand how a bank in XXXX has no call logging, no trace or money transfers and still exist as a financial business. They should be shut down long time back due to lack of these basic features. 

2. My money is blocked for 6+ months and they are not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After reviewing a medical debt appearing on my TransUnion Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and TransUnion to have this account blocked.

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 2018-02-01
Company: EQUIFAX, INC.
State: CT
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:
I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 several inquiries on my credit report from different companies. Bank of america especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XXXX XXXX, XXXX / XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for XXXX XXXX as well. this is absurd.

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 2017-12-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in writing in response to a letter received from TD Bank on XX/XX/XXXX. Please see attachments for further details. 

This has been an ongoing problem with TD Bank. I have been willing and able to pay my mortgage for approximately over a year and a half at this point. The constant inter-departmental errors and miscommunications which have needlessly prolonged this situation seem to be continuing. 

Detailing the entire history of this account is beyond the purpose of this format. At this point, I am communicating through CFPB as a means of documenting and tracking my correspondence with TD bank. I received an escrow statement and application for CONSIDERATION for a loan modification. I have done this twice before with TD bank. each time, different departments erroneously altered terms due to miscommunications which led to my payments not being applied to my balance and continued foreclosure processing. 

Please see CFPB correspondence from TD bank on XX/XX/XXXX. The representative states that " He [ consumer ] can expect the Modification and Amendment Agreement to be mailed to him under separate cover, no later than 30 days from the date of our letter. '' I have not received any modification agreement to review. Moreover, this is the first letter I have received pertaining to my mortgage in approximately 150 Days, well over the 30 days stated in the correspondence on CFPB. 

My previous experiences have shown that the " modification application '' is a futile pursuit and I will not be expending resources to complete the application. Once again, I am fully committed to meeting my JUST obligations to TD bank and I ask that the bank reciprocate at least by means of clear and consistent communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03
Company: CITIBANK, N.A.
State: MI
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 received a payment notification for the very first time and it had XXXX late charges on it. I immediately called and tried to speak with customer care and they just gave me the obvious blurb and it sounds like they are just reading a script about how we can only adjust XXXX payment. I had no idea I even had any charges on my account as the charge was an automatic renewal fee pushed to the account by costsco apparently 2 months back. I had no idea I even had a payment due and thought XXXX renewed the card at the beginning of each year like other accounts I have. Money wasnt even the issue, it was the point of getting no notification and now they tell me the late fee will hit my credit report and I have never had a late fee in my life. They said they emailed and I save all emails and never delete anything and I had nothing from them the dates they state the bill was sent. To top it off they said they would waive XXXX of the late charges but never did.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX account # XXXX and # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : states that a consumer reporting agency can not furnish an account without my written instruction.

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 2019-09-18
Company: Credit Bureau Data, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was in car accident have not received these bills or any information accumulation of over 50,000 $ had insurance at the time and received nothing not even sure if they tried to run my insurance this is the first Ive seen of it and it took place around 4 yes ago

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Credit Protection Association, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
'Collection Notices from XXXX for Equipment that I do not have. ' XX/XX/XXXX - Contacted XXXX and cancelled TV & Internet serices XX/XX/XXXX - Sent ALL equipment back to XXXX  via XXXX ( 2 Cable boxes, 2 Remotes, and 1 Modem with WiFi XX/XX/XXXX - Recieved at XXXX - signed by XXXX ( I have XXXX POD ) XX/XX/XXXX - Received XXXX Invoice for {$1300.00} for Equipment & service XX/XX/XXXX - Called XXXX customer service and explained that equipment was sent back and they said they would send a revised Bill for {$25.00} service XX/XX/XXXX - Received XXXX Invoice for {$130.00} equipment and {$25.00} previous balance. 
XX/XX/XXXX - Call XXXX again, and XXXX said they would look into the {$130.00} discrepancy and get back to me within 1 week. 
XX/XX/XXXX - Received 'Collection Notice ' mail from Credit Protection Associates ( CPA ) for $ XXXX-equipment + {$5.00} Collection Fee = {$140.00} XX/XX/XXXX - Sent written response to CPA > " I Do Not Owe XXXX any outstanding balance. This Claim is Not Valid. I do not have any Equipment that belongs to XXXX. '' XX/XX/XXXX - Received 2nd Collection Notice mail from CPA = Past Due {$140.00} XX/XX/XXXX - ReSent sames Response letter. ( Please see attached ) XX/XX/XXXX - Received Collection Phone Call from CPA-XXXX. I responded with same as above - I do Not Owe and I do Not have any Equipment. 
XX/XX/XXXX - Received another phone call from CPA and I responded in the same way as above again. 
XX/XX/XXXX - I received anther 'Collection Notice ' mail from CPA, {$140.00}

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 explanation
Consumer complaint received 2020-02-07
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: Information belongs to someone else

Complaint:
I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX - reporting on my XXXX report XXXX - XXXX - reporting on my Transunion report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE 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 2018-02-01
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 information incorrect

Complaint:
XXXX and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.

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 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I've been a customer with the Bank for 12 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached ... I have paid a lot in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.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