BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: Windham Professionals, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 $XXXXI tried to talk to the collections company and ask them to prove I owe the bill , I've spoken with their client who has told me a XXXX year old child sign for services

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 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX  and TransUnion via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, XXXX or TransUnion have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.

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 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Consumer Financial Protection Bureau failed to do what my taxpayer dollars paid them to do. I filed a legitimate complaint against Transunion, complaint # XXXX. CFPB received a non-response from Transunion that did not address any of my concerns. CFPB closed my complaint after receiving this non-response. If CFPB has no authority to make Transunion do the right thing, then I would like to know why they exist.

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 2019-02-25
Company: SUNTRUST BANKS, 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: Account status incorrect

Complaint:
SunTrust Mortgage continues to report erroneous information to the credit reporting agencies. In XX/XX/XXXX, I notified SunTrust in writing of the errors but as of XX/XX/XXXX the erroneous information is still being reported by the credit reporting agencies. SunTrust Mortgage reports that my mortgage was delinquent, in collections and then discharged in bankruptcy. This is not true and their own records submitted in XX/XX/XXXX prove that this is not true. The mortgage was always paid on time, never late and was completely paid off in 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 2017-09-15
Company: Experian Information Solutions Inc.
State: TX
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 did not authorize any of the inquiries listed below please remove immediately XXXX XXXX Co Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XXXX XXXX XXXX + Bankcard XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX Inquiry from XXXX XXXX XXXX + Mail Order XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Bank XXXX Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXXl XXXX, XXXX. 
Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Credit Unions XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Complete Dept. Stores XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX 
XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, New XXXX 's XXXX XXXX from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2021-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
With USAAs history of banking, and the fair credit reporting act provided, I did not expect the notification for payment attached, The debt would be paid and would not have incurred, had the auto claim been dispersed to checking as XXXX XXXX stated in XXXX. 

A fraud investigation is necessary to resolve the issues in a professional manner. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: World Omni Financial Corp.
State: AL
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:
This company has fraudulently opened and sustained an account under my name. The company was unable to verify any correct information and also funded this account under a false dealership name. This account is fraudulent and not a result of any transaction made by me the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$12000.00} -This is not my account.

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 2021-04-08
Company: EQUIFAX, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
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:
I have tried to find out why an auto loan is still on my Equifax credit report that was paid off XX/XX/XXXX. The two companies on my Equifax report are XXXX XXXX and XXXX XXXX. I called both companies and neither has a record of the purchase made in XX/XX/XXXX and paid in full in XX/XX/XXXX. The truck was repossessed in XX/XX/XXXX but I quickly paid the past payments and regained it again. When I called Equifax ( twice ) I couldn't pass the security questions so Equifax told me to write a letter with a copy of my driver 's license and social security card which I did. Equifax sent me a copy of my credit report but no explanation as to why this loan is still on my report. So I called again today, waited 30 minutes to get a representative but I couldn't pass the security questions again so they wouldn't help me therefore I can not get any answers. I would like to know if the repossession has kept this loan on my credit report if NOT I want it removed from my report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making monthly payments since XXXX and have proof of same. Navient is claiming that I have not made a payment since XX/XX/XXXX despite the fact that I have not missed a single payment from XXXX XXXX-present ( and have even directed Navient to apply additional funds to certain loans ). I have confirmation emails and proof of withdrawal of funds from my bank account. I have tried calling multiple times and can not connect to a representative - on three separate occasions Navient disconnected me from the call. This in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX  as scheduled. Also attached is a payment ledger from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % XXXX veteran. I am exempt from property taxes in the state of florida. I supplied that information to the servicing company. The XXXX XXXX XXXX XXXX XXXX XXXX supplied that information. The mortgage company will not stop collecting taxes and in fact have increased my payments for escrow starting in XXXX of 2021. After repeated attempts to get this fixed with them, they refuse to correct their error. They keep telling me that they are going to fix it but they never do. They are essentially stealing money from me and holding onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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:
I disputed errors on my credit report on XX/XX/21, which I have not receive no results in the investigation for more than 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a longtime customer of XXXX. I had all of my phone, TV and internet service with them. In XX/XX/XXXX, I received a bill for XX/XX/XXXX that was increased. I called to find out why and was told that the TV package had increased in price. I asked them if there was a promotion or discount to continue the service as-is and was told no. Not wanting to pay more for TV service, I contacted XXXX  for a quote on TV, home phone and internet access and based on the lower quote than XXXX  I decided to transfer my service to XXXX. I also contacted XXXX and transferred my cell phone service to them. I called XXXX  to transfer my cell phone # to XXXX. I subsequently ordered all services with XXXX cancelled. I returned the XXXX  router, DVR and modem to XXXX  using XXXX shipping information provided by XXXX. I thought that by returning the equipment and cancelling the services that I was done with XXXX. Unfortunately I continued to be billed for XXXX services for TV, home phone and internet, even though I had cancelled the service, returned the equipment making it impossible to access the XXXX  service, and had transferred my service to XXXX and XXXX. Today I received a threatening phone call from a collection agency claiming that I had not cancelled the XXXX services and owed @ {$500.00}. They said that a 'good consumer ' like me should not want an account in collections, and while the information had not been reported to the credit reporting agencies, that it was in my interests to resolve this by PAYING THE DISPUTED AMOUNT AND REQUESTING A REFUND FROM ATT once the dispute was resolved! This sounds ridiculous to me and is tantamount to a con. I told the collection agent that I would be contacting the CFPB to file a complaint. I really feel that large companies like XXXX make it difficult for consumers to cancel services, and even when cancelled and no services received by the consumer, continue to bill them so that XXXX  can inflate its customer base and revenues. Today I received another phone call from another debt collector for this account. Specifically, I was called by Diversified Consultants, Inc. ( DCI ), to collect {$450.00} on behalf of XXXX. DCI 's reference # for this account is XXXX. They were polite and asked that I submit a dispute on their website www.dcicollect.com, which I will do. I told them that I would be filing this complaint with the CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: NETWORK CAPITAL FUNDING CORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been over paying my monthly mortgage payment due to mid calculations by servicer. This was brought to my attention by servicer while I was having issues with trying to make online payments. Since then I have spoken to XXXX least 10 different supervisors about the adjustments they said they were going to make and nothing gets done the last lie I was told was there is a work order in process and would be straightened out in XXXX XXXX i was told my mortgage will be over 250 dollars cheaper a month and I would be issued a check for all overages. Ive left numerous secure chat messages and have gotten no reply. I then call and explain the whole scenario again and then Im told different stories and empty promises of call backs and any follow through. They are holding money that is not theirs snd i want to press charges for stealing. Im told that they dont know what supervisors ive spoken with because the people that make the notes on my file only use their initials then they promise to correct issues and tell another lie.

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 2017-09-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.

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 2019-02-25
Company: EQUIFAX, 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:
On several occasions ( starting around XXXX of XXXX ) I have contacted Equifax in regards to collections being fraudulently added to my credit profile. I have disputed the collections ( XXXX XXXX and XXXX and XXXX ) with Equifax and they come back verified. I have called Equifax countless times in hopes of resolving this matter but always told the information is correct. I have disputed ( on XX/XX/XXXX I sent certified letters ) with the companies ( XXXX XXXX and XXXX and XXXX ) and neither company has ever provided me with validation on said debt. Actually neither company responded to my letters. I sent out correspondence to all ( Equifax, XXXX and XXXX and XXXX XXXX ) certified mail on several occasions yet no one has confirmed said debt nor removed debt from my credit profile. I have never had any contract with neither company mentioned above, nor have they provided me with any services. On XX/XX/XXXX I sent certified letters to all parties asking for deletion of said debt, along with proof that I didn't owe anyone anything, and again no one has responded and the debt is still reporting on my credit profile as delinquent. After completing my own investigation I have supporting information that I have never had any type of services with the companies named above nor do I have any outstanding balances. This false reporting is a violation of my rights pursuant to FCRA, FDCPA. Lastly, to date ... No one has provided me validated information that this said debt is in FACT owed by me to the companies stated above. I will upload supporting information.

Company response to consumer: Closed with non-monetary relief