BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2019-11-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently in XX/XX/2019 my mortgage was sold to LoanCare from XXXX who went into bankruptcy. LoanCare has not gotten the correct information inputted into their system and its been 7 months! My old insurance company sent LoanCare a check for premium paid to them instead of my new company around the amount of {$2600.00}. LoanCare can not find where they put that money that was supposed to be sent back to me. I have made several attempts to talk to them about all of the incorrect charges and monies lost. They are still charging me in my escrow for my old insurance premium and not my new one. They are reporting to the credit bureau that I have missed payments and not making payments at all. I have been fighting these remarks for 7 months and I am getting no where.

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 2022-02-21
Company: EQUIFAX, INC.
State: DE
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 two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
NOTICE OF DISPUTE The following accounts need to be deleted. The negative remarks from these were reported in bad faith, thus preventing me from obtaining credit so I can take care of my family. * XXXX XXXX XXXX opened XXXX XXXX, * XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, * XXXX XXXX XXXX  XXXX opened XXXX XXXX, XXXX. * XXXX XXXX XXXX XXXX opened XX/XX/XXXX. * XXXX XXXX XXXX XXXX, XXXX. * XXXX XXXX XXXX opened 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 non-monetary relief
Consumer complaint received 2018-02-15
Company: Ditech Financial LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I contacted Ditech on XXXX regarding my account statement from XX/XX/XXXX, it shows Fire Insurance Coverage. Unfortunately, I tried to email customer service but the representative gave me an invalid email address..I never requested/authorized for fire insurance service. I have a personal loan for this account. In the past, Ditech reported this account as a mortgage loan. I did dispute with credit bureaus. I would an investigation for this issue. 
1 ) Was I charged for this service? If so, how much was the monthly fee? 
2 ) If so, when did service begin and end? Did it begin in XXXX after XXXX transfer? 

3 ) How could this error occur?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of 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 2019-11-05
Company: U.S. BANCORP
State: OR
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:
On XX/XX/19 I opened a US Bank checking account because of advertisements I kept seeing about A ) a bonus for opening an account, but more importantly B ) it made me eligible for their Altitude Reserve card. 

On XX/XX/19 I was denied approval for the XXXX XXXX card and reconsideration was not able to help me in this matter. 

This type of bait and switch tactic should not be allowed. It is unethical to advertise in this manner when having the account was of no consideration, despite constantly being advertised how having a checking account with US Bank will make me eligible for the XXXX XXXX card.

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 2023-04-10
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2018-04-14
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I noticed 4 collections accounts on my credit report from XXXX XXXX XXXX ( NRA ). I have never been contacted by this company. I sent a certified letter to NRA the next day letting them know their claims are disputed and validation is demanded. Instead of sending validation of the accounts, NRA added 2 additional debt collection accounts to my credit report on XX/XX/XXXX. I still have not heard from NRA nor received validation of any of the accounts they have reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two charges were placed on my account that I never authorized. I gave Wells Fargo description that I was not even in the locations that these transactions were charged on. 
Wells Fargo said that they did investigation within a day on the weekend and said that my issue was not fraud that it couldve been me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 I OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICE AGAIN XXXX XXXX XXXX CURRENTLY REPORTI

NG FOR 6 ACCOUNTS WHICH APPEARS TO BE DUPLCATE OF 4. ITS 6 ACCOUNTS 4 ARE THE SAME SHOWING THE SAME ACCOUNT NUMBERS BUT DIFFERENT OPEN DATES WITH THE SAME AMOUNT I CONTACT
ED XXXX XXXX XXXX FOR VALIDATION AND AFTER 30 DAYS I RECIEVED NOTHING I DONT BELIEVE THESE ARE MY DEBT AND SHOULD BE REMOVED IF XXXX XXXX CAN NOT PROVIDE THE PROPER INFORMATION ON THE DEBT REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: National Credit Systems,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:
I my personal credit information was exposed in both of the XXXX data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX National Credit Systems ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and confidentiality under 15 USC 1681. 

XXXXXXXX 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, 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX  XXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Regional Management Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was offered a deferral in XXXX they sent me this information after the date they were requesting payment by. I explained via email I had been laid off and would care for the debt in full when I get a new job. I also explained that the date they wanted me to have new payment in by and sign agreement for has already passed. XXXX of my contacts listed called me and informed they had called them XXXX times. I never gave permission for anyone to be contacted outside of my initial approval for said loan. Nonetheless I contacted them and informed of my previous communications and the agent was combative after I stated I didnt want any of my references to be contacted and to place me on the dont not contact list they stated they didnt have a list for that. Frustrated I disconnected and they proceeded to call me XXXX times back to back. This is my first step before I file a BBB complaint. I know I owe the debt and I will pay it as I informed them via email. However being laid off XXXX unable to do so at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: FIRST PORTFOLIO SERVICING 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: Account information incorrect

Complaint:
The balance on this account is not reporting accurately. The only payment terms that are in agreement with XXXX, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Consumer Adjustment Company Incorporated
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:
I my personal credit information was exposed in both of the XXXX  data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX  and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Consumer Adjustment Co ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Date/Time of event : Tuesday, XX/XX/2019. Approx. XXXX XXXX Tried to access my credit card account with JPMorganChase online. Site responded that it did not recognize the computer I was using and needed to send a temporary code to validate the computer ( same computer I've been using to access site for almost 5 years ). 

Went though the notification routine multiple times first trying to initiate an email to my email address multiple times -- no email with temporary code ever received. Then went to telephone option to initiate call with temporary code. No callback with code ever received. 

Tried this numerous times with same result -- nothing. Clearly a problem with the system that generates and/or sends the codes to customers in this situation. 

Called customer service who indicated they could send me a text message with the temporary code. I told them I only have a landline and not a cellphone to receive a text message so they would have to send me the code someone other way -- like email -- or by sharing code with me on the phone ( the very landline and presumably they have caller ID to validate I was calling from the same number ). They said they could not do this, but that I could go to a JPMC branch ( many, many miles away and I only have an online credit card account with JPMC ). 

To all this I replied that they were making their system problems my problem and were preventing me from accessing my account. I indicated this would be against the terms of the account and that I wanted to speak with their General Counsel 's office, to which they replied they could not provide a bank attorney to speak to but I could always contact my own attorney. I reconfirmed that we were being recorded so the tape could be pulled if necessary, then told them I would report it to CFPB instead and that they had extremely poor customer service. I suggested that if their CEO XXXX XXXX knew the facts of the situation and how their customer service responded so illogically to a customer, he would not be happy and invited them to share the tape with him ( expletives and all ) As of XXXX XXXX ET, I still do not have online access to my credit card account at JPMC.

Company response to consumer: Closed with explanation