BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 1

5 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE

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 2019-06-19
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Two years ago I was making payments to XXXX XXXX XXXX. I made four payments of {$XXXX} each. Shortly after the fourth payment, I was informed that my account was sent to collections regardless of my good standings Medicredit called and was attempting to collect the debt and I attempted to dispute it. I contact a lawyer with XXXX XXXX XXXX and they sent a letter on my behalf XX/XX/XXXX. I did not hear anything from Medicredit for two years. 

Last month, XX/XX/XXXX, they tried to call and said they were going to take legal actions if I didnt pay. But, they wouldnt tell me how much the debt was, where it came from and they refused to send me a written notice of the debt. I have a phone call recording that shows me asking for the written collection notice and it has been 5 weeks with no response. 

I have tried to figure out this debt collection with no answer or help from Medicredit nor has my lawyers office heard anything.

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 2019-11-18
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
MoneyLion offers a credit builder loan of {$500.00} in which you make small weekly payments on to improve your payment history on your credit report. After doing this for a few months I switched bank accounts and attempted to switch the account on my moneylion account to the new one. I was unable to do this and repeatedly tried to contact moneylion so that I could fix it. After multiple emails and phone calls I gave up. Moneylion then reported me as past due and my credit score dropped nearly 200 points. I am still attempting to contact them and still am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.

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 2023-04-16
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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2019-06-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I was XXXX years old in high school my mom and I visit a Well Fargo bank in XXXX SC. I opened a teen account as I had a job as a XXXX XXXX at XXXX. I moved to a new town and no longer had the job so I was no longer getting direct deposit. As my mom and I set up the account it was a teen account so there fore there was no need for over draft protection. As my mom said if the money is not there you can not spend it. So I had my gaming device monthly fee coming from the account of about {$10.00}. Some how this was allowed to go through even though there was no funds there. I notice the account was in a negative and informed my mom. She said that should never happen as I am not set up for that. I went back as I am a XXXX XXXX and was told I could not open my account and that I should call the number they gave me. They were not able to locate my information and I have been denied opening an account when I do not owe anything. Please assist me in the matter. 

Sincerely 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 2019-06-19
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments after my divorce 3 years things started getting bad financially. I am now to the point where I have to short sale my home to get out of this debt. This has caused my military career to come to a stop, because of the debt. Since deciding to put the house on the Market my realtor had advised me to let Wells Fargo know that I would be putting the house on the market. I spoke with the liquidation department they advised me when I got the offer all we needed to do was fax them the information. Everything has been done via phone call. Since getting that information and having the house on the market we then received an offer on the house. We were looking for a response from Wells Fargo yay or nay if they would accept. They told me that I needed to be approved for a short sale before I could put the house on the market. This is new information that was never discussed months prior to the offer. This last two months have been nothing but run around since I started the process. There was many times I would get different fax numbers and everyone always mentioned how that wasn't their department and I needed to fax to another department. It is a lot of unnecessary work, and I would like for someone to get ahold of the offer that in on the table and for me to be able to sale this house. I would not have had a problem with paper work if they would've told me what needed to be done in the beginning, but everyone I contacted told me there was nothing I needed to do to be approved for a short sale. One would think Wells Fargo doesn't want this debt to continue and would love to have this loan paid off, but they are dragging their feet and aren't trying to help me at all. I am in a hard spot in my life and would expect for this process to be a lot smoother than what it has been. I just need someone to fight on my behalf to get things rolling. 
Thanks,

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX at XXXX XXXX XXXX in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX XXXX said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX has violated my rights.

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

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 2022-04-19
Company: EQUIFAX, INC.
State: MD
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 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies Equifax, XXXX, XXXX and I was not able to get any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
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:
On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an XXXX  Data Breach. I demand to Deleted those accounts or I will file litigation.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/2023 AND XX/XX/2023, I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.

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 2018-04-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX Attorney 's for XXXX  have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since XX/XX/2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX  " XXXX  '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been removed.

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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX payments are paid out in arrears meaning XXXX 's payment amount is for the month of XXXX. 
My wife passed away XX/XX/XXXX XXXX payment made XX/XX/XXXX Without any notice Chase placed the payment on hold, it still is today. 
Several contacts with both Chase and XXXX, including a joint phone call between XXXX, Chase and myself is still ending with Chase not releasing the funds to XXXX or to myself. 
Chase is keenly aware they do not have right to the XXXX funds. In the phone conference with XXXX and Chase, XXXX said I should sue Chase. 
I need help! The money is needed. 

I have met with Chase at the branch level on XX/XX/XXXX and XXXX. 
I have called XXXX XX/XX/XXXX? and XXXX, XXXX, XXXX. 
I arranged a phone conference with XXXX, Chase and myself XX/XX/XXXX. This phone conversation should be recorded by Chase. 

I also emailed XXXX XXXX XXXX, Chase Official listed on internet, XX/XX/XXXX at XXXX eastern time. No response to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Lakeview Loan Servicing LLC to add an insurance policy from XXXX to be paid through my Escrow account. I originally was told to have the insurance company bill my Mortgage company and I received no update. I was then told to upload my insurance documents, which I did and still received no response from Lakeview. 

I contacted Lakeview today XX/XX/2020 at XXXX am and spoke with someone by the name of XXXX in the Escrow department, he said I reached the wrong department and that I need to speak with the Insurance department. I was transferred to the Insurance department and spoke to XXXX, who told me I reached the wrong department and needed to speak with the escrow department. I told her the escrow department told me I needed to speak with insurance. She stated my account type needed to be changed from non-escrow to an escrow account for the insurance payments to be made. My escrow balance is {$1000.00} and my insurance policy is {$530.00}. 

XXXX then transferred me back to the escrow department and provided me with phone number XXXX. After waiting over XXXX mins I was hung up on. 

I need to simply change my escrow account from non-escrow to escrow account and to have my insurance premium made from escrow that is suppose to cover my taxes and insurance.

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 2021-10-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITYCAP/XXXX  
Contact
XXXX XXXX XXXX XXXX, OH XXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: FL
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 have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX   XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018 <br><br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br><br>XXXX XXXX  XX/XX/2018<br>I did NOT sign anything.

These inquires need to be deleted from my credit reports as 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 2017-12-15
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the XXXX XXXX several times over the last year. I have asked them for proof of this debt ; I have asked them for proof that I owe them ; I have asked them if they are license to collect this debt ; I have informed them that this debt does not belong to me. This company has refused to respond to my request. This account should be removed from my credit reports immediately. This is a violation of the FCRA. This company should be fined for not yielding to the federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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