BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-15
Company: Medical Data Systems, Inc.
State: PA
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:
To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Prove to me beyond a reasonable doubt that I have a signed contract with Medical Data Systems agreeing to pay this assigned debt. Please prove that you are the original creditor for Account # ( XXXX ) and Account # ( XXXX ). 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

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 2023-01-02
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute opened fraudulently accounts in my name. I am a victim of identity theft, and I did not open account number ( give number of fraudulent account ). I am not responsible for any charges made to this account. 
SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-02
Company: Incomm Holdings Inc.
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Vanilla visa charges {$2.00} per month after 7 months for a maintenance fee. I had a {$100.00} gift card for my XXXX birthday in XX/XX/2018 which now has only {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello- On XX/XX/2020 I took my dog in to XXXX XXXX XXXX XXXX XXXX XXXX. When I went to pay, I sent a {$400.00} payment to them over Care Credits site. I had to do this as I could not give them a card due to covid and the desk person did not want to initiate payment on their end to ensure accuracy. On the site, they were listed twice but all the information was correct, so I chose one of the options thinking there was no difference. After about XXXX minutes, the desk person called me and said they hadnt received my payment. I told them I made the payment and emailed a screen shot. They said the payment went to their OLD account before they merged with another vet clinic and that I needed to pay them another {$400.00}! I called care credit immediately and tried to get them to drop the charge. They said that as long as the payment is not claimed by the clinic, it would drop off. It never did! 
On XX/XX/XXXX, I called the vet clinic as care credit had not credited the money back despite several calls about the issue. I waited a week for them to call me back. On XX/XX/XXXX, I worked with a staff member named XXXX. She worked with a supervisor and the corporate office to contact care credit and inform them that the {$400.00} charge was a duplicate and needed to be dropped. The corporate office kept records of the old account number and called and specifically named the account. On XX/XX/XXXX, I got a call from the Vet office saying that care credit emailed them back saying they are looking into the charge and will be crediting it back. 
It is now XX/XX/XXXX. 60 days later and they have either resolved or credited back the charges. There has been no provisional credit given within 10 days. 
I feel they are waiting until the full 120 days and will deny my claim and keep the money for themselves!

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 monetary relief
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
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:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

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 2020-09-16
Company: ID Analytics, 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:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Old information reappears or never goes away

Complaint:
Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.

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 2020-09-18
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whomever, My loan was sold to Loancare in XX/XX/XXXX/XX/XX/XXXX since then I have had nothing but problems with the XXXX  / Loancare processing. 
# 1 First they converted my loan with my old address and sent emails to advise me, to my old address, from 3 years ago, so Mail is not being forwarded.

# 2. Tried to charge me for Homeowners insurance because the inforce policy information never carried forward, took two months to resolve this.

# 3. Tried to charge me for FEMA flood insurance, never carried forward my inforce policy. Took 2 months to get that straight.

# 4. Insult to injury, after sending copies of inforce, paid in full policies, They tried to say I needed to escrow so they upped my mortgage payment. In 25+ years I have never escrowed! 
# 5. Been on the phone with Customer Service 5 times since I am unable to get onto my online account. I have subscribed to electronic statements, they send emails but I cant access my account.

I have had enough of the miss handling of my account almost to the
degree of wanting to refinance just to get away from this company. Worst ever!

See below screen shot Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, De XXXX From : XXXX Date : XX/XX/2020 at XXXX XX/XX/XXXXEDT To : XXXX Subject : LoanCare User ID Request This message was sent securely using XXXX Thank you for using XX/XX/XXXX Web Access to your loan information. 
Your user id request is complete. 

User ID is XXXX Loan number is XXXX For assistance or questions : Client Phone is XXXX To access your account, please go to https : //www.myloancare.com NMLS # 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 2020-09-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.

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 2023-04-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-16
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made a mortgage payment to TIAA Bank on their website on XX/XX/XXXX ; payment XXXX {$2900.00} XXXX was withdrawn on XX/XX/XXXX but insufficient funds so returned to TIAA. Called TIAA to discuss issue with payment on XX/XX/XXXX and was told that the payment will be sent a second time to my bank, XXXX. Everything should be fine. Checked my bank account on XX/XX/XXXX and two payments were withdrawn from my account paid to Everbank ( TIAA ). I had only made one payment on the website. Called customer service at TIAA and was told it was an error on XXXX 's part. I called my banker who informed me that the error was from TIAA and to submit a dispute for the extra payment, which I did. I received a refund of one payment to my XXXX account ( from XXXX pending the dispute ). However, TIAA was showing that I did not make an XXXX payment. My bank account showed that it was withdrawn on XX/XX/XXXX. I called TIAA numerous times speaking to many different customer service reps to take care of the situation. Continued to receive letters and phone calls from TIAA regarding the delinquency of my account. I sent an email to the customer service department with verification of the deduction of my account on XXXX. Never received a reply. Received another call from TIAA on XXXX of delinquency of my account. I called again and explained what had happened. The customer service rep assured me that TIAA third party payor made a mistake and she promised to investigate and get back to me. She called back, informed me that the webpage would show my payment and would be no reporting to a credit bureau. On Friday, XX/XX/XXXX, checked TIAA bank ( still showing delinquent and no payment for XXXX XXXX and received an alert that my credit rating had changed because TIAA had reported my payment delinquent. I received a letter from TIAA that I had a customer service person to support me ... this person has never once answered the phone. Every time I call, another person takes care of the complaint. On XX/XX/XXXX, I check my bank account and the TIAA bank webpage still not showing an XXXX payment. I called TIAA again ... and on the advice of my banker, told them I would send a certified check for both the XXXX and XXXX payments since they had not yet figured out where my funds were. I overnighted the check, sent a letter of which is attached along with the verifications from my bank account showing what TIAA did or did not do. On XX/XX/XXXX, TIAA deducted a payment from my account ( which I did not authorize them to do XXXX. This is almost 30 days after my initial payment was made on XX/XX/XXXX. Hours of phone calls, numerous letters from TIAA bank on the delinquency of my account and a default notice later, this issue is still not resolved. I sent them the bank statements today along with a wire transfer to return my funds and still waiting on that to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

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 2020-09-16
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 recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, XXXX, and Transunion and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.

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 2020-09-16
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I refinanced my existing mortgage with Citimortgage for {$250000.00} / 5.5 % / 30 years. In XXXX I was approved by CITIMORTAGE for a loan modification, after a reduced payment plan of {$1400.00} for 6 months, instead of the $ XXXX  monthly regular payments. My new modified loan was {$260000.00} / 4 % / 40 years. My question now is how did it get to {$260000.00} after paying for 9 years? My mortgage from XXXX to XXXX was always with CITIMORTGAGE and I made my payments every month, so where did my payments go. My mortgage is now being serviced by XXXX XXXX, but my problem is when CITIMORTGAGE was servicing my mortgage. Why are they dismissing me now. My mortgage # with CITIMORTGAGE is XXXX XXXX. Please help or tell me where I can get help. The math does not add up.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.

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 2021-02-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX DE XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX not mine PUBLIC FILINGS XXXX DIST CT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation