BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2022-08-30
Company: EQUIFAX, INC.
State: MO
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Upgrade, Inc.
State: WY
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:
UPGRADE INC I have paid this account off and it was never late or missed a payment ; I called upgrade and they sent me a letter stating that I never missed a payment and was never late, XXXX  and XXXX  are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent XXXX  and XXXX  this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Collection Center Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical debt on my credit report for a service i never received. I went to emergency room but was looked at and let go after 15 minutes and now i have a collection company selling it to a law firm saying that i am in default of the visit. Please assist in helping me to get them to stop attempting to collect a debt that is not owed as i never received any service.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-27
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
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:
I was contacted at work 4 days ago ( Friday XX/XX/XXXX) by someone named XXXX, from Credit Bureau Systems Inc. This call was an attempt to collect a debt originating from an ER visit earlier this year. On that call I explained that I was under the impression that i was not responsible for any portion of the cost of said visit, and the agent took time to explain everything to me. She also reminded me that if i did not take any action this would result in a legal action. We ended the call agreeing that I needed to speak with my coverage provider before proceeding. 

I then began getting more calls at work again on Monday, Tuesday, & Today from the same agent. 

During a conversation again with the same agent, she took a much less civil approach this time. I tried explaining that i simply could not pay the balance today. And the agent began to suggest that i use a credit card. I declined and she continued saying that i have good credit and i should put the charge on a credit card. 

at this point i realized that this call had strayed from the normal and allowable parameters of a Debt collection call, and attempted to end the call amicably, but I only received threats of legal action and anger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They just called my mother and left a voicemail, and I 'm not even sure how they legally obtained her phone number since it would only be listed on my phone bill.

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 2023-10-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ayments Status Date Amount Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} What are these late fees for, XX/XX/XXXX the portal said I owed {$0.00} how can there be late fees and please provide the disclosure of these fees and from what months they are from in writing. I have not received any of my flood insurance refunds dating back from XXXX when Mr. Cooper was provided proof from numerous sources on a monthly basis. it is in excess of {$3000.00}, the number has changed every time I contact someone probably a result of Mr. Cooper 's incorrect handling of partial payments where is the excess fees that were paid above my tax payment? I don't know where those funds were allocated, did Mr. Cooper simply tack on arbitrary late fees to cover those funds that were stolen? The misrepresentation of the mortgage loan transactions and payment history in your online account is dubious, I have requested. I believe Mr. Cooper is violating the Home Mortgage Disclosure act by consistently failing to report accurate data about mortgage transactions, as if you don't have borrowers ' information correct, how can reporting be correct? XXXX Error resolution procedures have not been followed as well. I do not have the funds returned that should have been returned 15 days following the notification of error that Mr. Cooper acknowledged. This matter needs to be promptly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: VA
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 voluntarily repossessed my car in XX/XX/XXXX. I filed bankruptcy shortly after. The remaining debt was forgiven as part of the bankruptcy. I have not made any payments on the vehicle since XX/XX/XXXX when it was repossessed. This loan appeared on my report in XX/XX/XXXX. It dropped my score over 100 points. I do not know why this populated onto my report 10 years after the fact. I contacted the lender and they indicated that they have no idea why that happened, they show the car was repossessed in XX/XX/XXXX and no payments have been made since and I need to take it up with Equifax. I then filed a dispute with Equifax and they determined after a 5 day investigation that they were not going to remove the debt. I asked them to reopen the investigation, reach out to the lender and to give me the information of where this can be reported to file a complaint. They would not provide me any of those things. Now I am stuck with a invalid debt that is almost 11 years old on my report because Equifax has refused to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help 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 2022-08-30
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2022 my XXXX XXXX XXXX  was sold from XXXX XXXX to SN Servicing Corp. 

I was not pleased as I read review of the company and they habitually got XXXX star reviews from customers. But I set up Recurring online payments as I usually do and hoped for the best. 

I thought nothing of it until XXXX, when I got an email stating that my mortgage due amount had gone up from {$2300.00} to {$2800.00}. Shocked I read that they had been charging me a monthly Forced XXXX XXXX XXXX of nearly {$500.00} a month. Please keep in mind I already had an escrow account with insurance paid through the year. 

I am shocked by this business practice which I believe is illegal. I've never heard of anything similar but want this investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Designed Receivable Solutions, 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: Personal information incorrect

Complaint:
In XXXX, XXXX, I went to my credit bureau to request a home improvement loan. I was denied because they told me I had an unpaid debt to a hospital for over {$6000.00}. I was shocked and asked who to contact and how to take care of this. I spoke to a credit reporting agency which gave me the information to call to straighten this out. I pay my bills and have never had an unpaid bill. I spoke with someone at Designed Receivable Solutions and was told that the original debt was incurred in XXXX of XXXX to a hospital in XXXX XXXX, CA. I was indeed hospitalized at that time and prodded for more information. Apparently, the hospital turned over my information in XXXX of XXXX and it was incurring interest ever since. I had no idea this bill existed. I never received a bill. Designed Receivables admitted that they had several bills returned to them and that they didn't have a working phone number for me. They had used 2 addresses in California where I have never lived. They had one phone number that I haven't used in many years and another phone number ( in California that I had never heard of ). I admitted that I had been hospitalized in that hospital but I had paid bills and didn't have anything outstanding. The women I spoke to were very rude and accused me of lying and trying to get out of a debt that I knew I had. I told them, I would pay the principal, but I was not going to pay interest on a bill that I did not know existed. They refused to work with me. I disputed the charge stating fraud and my credit card removed the charge. I spoke with a supervisor who was very upset with me. Again, I was accused of lying and trying to get out of a debt. That is not my character. I am refusing to pay interest on a debt that I did not know existed and they admit that they could never get ahold of me. I told them that it wouldn't be very hard ( especially, with their systems ) and that I have lived in the same area for 26 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
On XXXX XXXX, XXXX, I was just checking my credit card statement on my Bank of America Cash rewards card and noticed THREE charges that I DID NOT MAKE! They were all over {$300.00} at XXXX XXXX -- {$300.00} in XXXX XXXX CA, {$320.00} in XXXX XXXX, and {$320.00} in XXXX. They were pending at the time. I called immediately and talked with a young man and entered a fraud dispute. I had my credit card cancelled immediately as well, and a new one was issued and is currently in the mail. A few days later the charges were reversed. I checked my account today ( XXXX XXXX ), and the reversed charges were RE-ENTERED! A letter on our account just said they were unable to approve my claim. 
That " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' THIS IS NOT TRUE!! 
I don't know what to do. I have tried to get through calling, but I'm continually transferred to another number and then never can talk 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 monetary relief
Consumer complaint received 2020-06-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions 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:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 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 2021-07-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23, I checked my credit score and it had severely dropped. I checked in to why and I noticed a collection for over {$500.00}. After looking in to where the collection came from, I saw that it was a medical office in XXXX  XXXX, Arizona for XX/XX/2023. I have never been to XXXX  XXXX. I am also not XXXX eligible, which the medical office seems to specialize in. I worry that someone used my information because I can not claim this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a VISA card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) 5-7 times per day, literally 7 days per week. From XXXX until XXXX, every 3 hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, 3-4 months after court date, they started again. For example, today, XX/XX/2022, I have received 4. Over the last several years, I have blocked more than 200 numbers from them, and they just continue to call from another number. I am XXXX with XXXX XXXX, and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back 2 hours later!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: NJ
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 rewards from credit card

Complaint:
The Chase Mileage Plus Credit Card gives as part of its annual membership reward two lounge passes that can be used at XXXX XXXX XXXX to gain entry. These passes are valid for one year and each XXXX they expire. 

I have tried and failed to use them at XXXX XXXX in XXXX NJ on two separate occasions when they were not accepted by the agent at the gate. 

I called Chase in XX/XX/2018 to request that I be given two new passes as I would be unable to use these before their expiration in XXXX and that is a needless burden on me. 

I was refused my request, also refused request for compensation and refused request for any other adjustments including waiver of annual fee. 

They said they were not responsible for their passes being refused acceptance at XXXX XXXX. I had on prior occasion called XXXX XXXX and they said that the passes were issued by Chase and not by XXXX, I should discuss this matter with them, not XXXX. Chase said the same, I should discuss this with XXXX. 

Bottom line is, I lost use of two passes worth {$130.00} What is the point of a benefit it a ) it can not be used and b ) can not be compensated for upon failure to use. I have been a card member for many years, and this is what they give you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
THERE ARE XXXX INQUIRES ON MY CREDIT REPORT AND SHOULD ONLY HAVE XXXX AND THEY HAVE FAILED TO SEND ME PROOF FORM THE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 submitted multiple letters disputing inquiries and certified letters the reporting agemcy refuses to remove them

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 2018-12-19
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to XXXX XXXX the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.

Company response to consumer: Closed with explanation