BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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've sent four letters regarding 1 negative accounts that appear on my Experian Credit Report. ( XXXX XXXX ) Each response I received back stated that Experian was able to verify each account and it's reporting accurately. How is this possible when XXXX has the same account and was unable to verify it. Since XXXX was unable to verify the account after 30 days it was deleted from my report but Experian had the same amount of time as XXXX and was able to verify it and state that it's reporting accurately. Despite three written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that this item is being reported correctly? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-03-29
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am receiving a debt from a previous company before me. I have no idea about this debt. I would like to please dispute and or get rid of all the debt from here if possible please and thank you. 
Let me know what you need as far as more information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my account with XXXX XXXX XXXX internet when I moved out of my apartment. Even though the new tenants were using another XXXX XXXX XXXX account at that address, XXXX XXXX XXXX apparently did not close my account as they said they had and continued to charge me a monthly bill until I noticed and called. The billing immediately stopped at an owed amount of {$300.00}, and I was told I was not responsible for the mistakenly charged amounts. Now, several years later, I received a letter from Diversified Consultants, XXXX stating that they are attempting to collect the fraudulent debt on XXXX XXXX XXXX 's behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
As a result of injuries I acquired from an on the job slip and fall, I was placed on XXXX leave in XX/XX/2019. That same month I made contact with XXXX XXXX XXXX   XXXX XXXX notifying them of my interuption of my employment and pay. They sent me forms for medical verification of my injuries and treatment. These were filled out and submitted by my doctor and myself and were faxed to XXXX and XXXX. Every month My XXXX account was showing not paid, I would call and was told that it was being processed. Finally in XXXX of 2019 the account received a balloon payment of {$150.00} to cover payments for XXXX, XXXX, XXXX, and XXXX. But my credit report shows 4 late payments to this account, indicating that the account was 120 days late in a payment being made. Prior to this period I had made all my payments on time. XXXX had even given me a {$300.00} increase in XX/XX/2019 necause of my excellent payment history. But because of XXXX 'XXXX delay in paying my account, my credit report shows 4 late payments and a credit line reduction of {$300.00}. After a year of XXXX making only minimum payments to my account, I resumed making the payment to my account on time and paying off the balance in three straight months of payments. I did what I was supposed to do and my credit is taking a hit because XXXXXXXX did not make the payments on time. I have been disputing this account withe credit bureaus and with phone calls to XXXX, who says I have to dispute with XXXX, and XXXX who says that I have to dispute it with XXXX. Both are the same entity. Every dispute reply is " meets the requirements '' and nothing is done to correct the problem. My credit is damaged by their delay in payment even though I paid for this account protection plan when I opened 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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I was charged {$500.00} as a good faith with JP MorganChase to continue with a mortgage application. We made an offer on a home and that home fell through. 
When we made an offer on another home, I was asked for another {$500.00} for the next application and charged on XX/XX/XXXX. 
I was explicitly told that the first {$500.00} would be refunded to me. This call and all calls are recorded with Chase and they do have these calls on record. 
The Chase lender I had this conversation with was : XXXX XXXX | Home Lending Advisor | NMLS ID XXXX On XX/XX/XXXX, after not having received the refund, I followed up in an email to XXXX and he replied that it needs to go to a manager and then his manager. 
Today on XX/XX/XXXX I was told that the refund was denied and that he had hoped that because of my relationship with Chase that the refund would be approved and that did not happen. 
My complaint is that I was not told that there is a chance it will not be approved. I was told on a recorded phone call that I will be refunded the {$500.00} charged on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I lost my job in XX/XX/2020 due to pandemic. I reached out to Target and was informed that they were helping their customers by waiving late fees and payments until financially stable to do so. I was still charged {$63.00} in late fees and when I called was told by reps that there was nothing they could do and that I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PLEASE MAKE SURE YOU READ ALL OF THIS YOU WILL BE HELD LIABLE FOR KNOWING THAT YOU WERE GIVEN A CHANCE TO STOP VIOLATING THE LAW. 

This company is a fraud. They have put something on my credit without giving me chance for verification. Per Federal Law, XXXX XXXX XXXX, XXXX XXXX XXXX, and Commonwealth Financial can not prove I owe this. If this is not removed from my credit report immediately I will contact my attorney and sue each of you for damages. You might want to read the law. It is the job of the collection agency to prove ownership and you have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial failure to make timely payment from escrow account for homeowner 's insurance policy renewal. Contacted BSI multiple times to resolve issue, which was treated with no urgency from their end, resulting in expired policy, potential late fees, and consumer frustration/time spent trying to push the process along. 


XX/XX/2020 - received notice of servicing transfer to BSI Financial Services XX/XX/2020 - due date for Homeowners Insurance policy renewal XX/XX/2020 - received notice from insurance company that payment had not yet been received. Initially contacted BSI Financial Services to remit payment from escrow account. Provided BSI with all relevant due dates for insurance policy and policy expiry date. Was told by BSI that the escrow records were not updated, so I would have to pay insurance premium out of pocket, rather than escrow. 
XX/XX/2020 - 2nd contact with BSI Financial Services. Sent email copy of Insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - 3rd contact with BSI Financial Services. Still no check sent to insurance company. Re-sent email copy of insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - BSI online portal shows check mailed. 
XX/XX/2020 - Policy expired XX/XX/2020 - Received notice from insurance company that payment had not yet been received. 4th contact to BSI, and received a tracking number to provide to  insurance company. Check was not sent with any expedited shipping, although it was mailed only 4 business days in advance of policy expiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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 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 2022-08-05
Company: TD BANK US HOLDING COMPANY
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 HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: The DeGrasse Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Someone from this company has called me several times after being told to stop calling. The person then began to use abusive language and call me names that was uncalled for. I'm not a XXXX, XXXX, XXXX, or a XXXX. 
This company calls every day. This has stop. The person has even threatened to come to my home. I am in fear for my safety and have alerted my local police.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: NRA Group, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Debt collector NRA emailed me stating that I owed a debt from XXXX of XXXX  but I have yet to receive in phone calls and or any letters in the mail when I use to live at that address. This is the only time I am hearing of this debt and I am all the way in XXXX now. I am just now receiving something on 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 2021-02-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to the company in XXXX of 2020 explaining to them that i lost my job due to covid-19 and i would settle to complete the debt. They turned me down and i got a letter in the mail about a court date. i know can not do anything with my credit to help my family during this hard time. They are not supposed to reporting to my credit during Covid-19 and yet here we are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached 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 2021-02-23
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
a negative was discovered on my credit, by XXXX XXXX XXXX and XXXX i had to reach out to this collection agency not from them but from the report. The worker from Amshercollectionservices admitted they never informed me of this dept due to it had been past around from several collection companies. I twice during the conversation told XXXX that i recorded the phone call. I requested validation of there right to collect a dept and a contract that we have entered into with my signature on it. under the fair reporting act. they admittingly told me that they didn't have to contact me and inform me of the collection, because other collection companies had been trying to collect. viewing my XXXX report XX/XX/XXXX the same day they told me they got it was the date its was placed for collections. my due prosses was disregarded and i plan to file complaints to the XXXX XXXX XXXX against this company for this and other right violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/17 I received a phone call from my ex wife that a number, XXXX, has called several times but the women will not give her name what company she works for or what the call is about, she only claims she has business with me ( XXXX XXXX ) that is most urgent or else if she doesn't get in touch with me. When I called the number the person refused time and time again not give her name or company or what the call was even about, she just keep badgering me on my Name address, SS # etc and would divulge nothing till I did so. I refuse and it is also unfair to ask for sensitive personal information to be given to a person that wont identify themselves. The company turned out to be NAR inc and the womans name is XXXX XXXX, once I was finally able to get what the call was about regarding a medical debt I had been paying out while waiting for insurance to verify if they had paid all they would I simply asked for a itemized bill and if the numbers matched I would pay the debt immediately. I did not get an itemized bill all I received was a one page letter saying the debt was verified. It also had 2 amounts one for {$42.00} ( the actual Debt ) plus a 40 % collection fee of {$16.00}. I have paid the full amount including the fee, however she called my ex wife several times after I said don't due to issues with her being my exwife and to be honest she has gone back to her maiden name so not sure how they got that number at all. I asked her several times not to call her and she did anyway. I also think the collection fee is unfair it isn't interest its obviously a fee they just decided to add for no good reason. I also have asked once again for an itemized bill so I can match it against the insurance payments but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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 received a non reply email from CFPB stating, " Thank you for your complaint XXXX about EQUIFAX ''. We 've sent your complaint to the company for their response. Here is the problem the Credit Reporting Company ( EQUIFAX ) place me under FRUAD ALERT without any request or authorization from me then send out inquiries for information. After a company provides incorrect information the Credit Reporting Agencies treat the information as genuine without making any examination or comparison with the information that 's already on file that was previously reported. If this was being performed they could see and understand why the Consumer filed a Complaint/Dispute when the facts from the information do n't add up. The Consumers explanation and documents of proof receive little to no consideration against what they receive from the erroneous investigation. When a company reports something one way over a long period of time and then there is a change and negative reporting starts there is another side to what the company is claiming and offering as genuine. EQUIFAX is just going thru the process without providing the consumer the benefit of determining the true facts that would assist the Consumer in having a valid Credit History Report.

Company response to consumer: Closed with explanation