BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from Credit Management XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. Credit management purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. Credit management needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NV
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 notice Fraudulent accounts being reported on my credit file and according to the FCRA 15 USC 1681 it is illegal to report inaccurate information, I am a victim of identity theft and did not make them charges please delete the accounts that's attached to the affidavit immediately. I have reported the theft of my identity to the FTC and my State Attorney general office. please delete the accounts as soon as possible to correct my credit file.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX and XXXX XXXX are both reporting incorrect information to XXXX and TransUnion about account number XXXX. Not sure how an account that has supposed to had been verified, have so many erroneous errors and different information. All are reporting different open dates, Reporting dates are different on all of them, last active dates, and none show any payment history. Not to mention, does this account belong to XXXX XXXX XXXX or XXXX XXXX XXXX? 

Please remove this unverified account, and inaccurate account form my credit profile.

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 2017-09-10
Company: EQUIFAX, INC.
State: TX
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:
OnXX/XX/XXXX2017 i had requested my credit report from XXXX  and Equifax along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is using the same id # under different companies. The company name Equifax Mortgage Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX tele:XXXX they are sharing the same ID # with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX tele XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX tele XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had above minimum balance in my account and issued an electronic payment required for a larger sum. As expected, my payment did not take place as TD never cleared my check. However, I was charged a maitenance fee for not maintaining the balance minimum. This does not make sense as funds never left my account -- the requested electronic payment never took place and I never breached the required minimum balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
delete the hard inquiries XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX please remove these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Equifax XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. Equifax did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are XXXX and Equifax. I submitted a dispute to XXXX XX/XX/2021 about the same issues and XXXX deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts do not belong to me, information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet took over my loans in 2015 @ a locked in rate of 4 %. To date, I have made over XXXX in payments and only XXXX has been applied to the principle and XXXX in interest. I have asked for a payment schedule and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a collection account on my credit report, I never received any form of communication from the company concerned. In XXXX I tried to use a 3rd party to get an apartment, I gave her all my information she tried applying to several apartment which never approved the application. The apartment that sent my details to the collection agency claims that they were under new management and knew nothing about it. The collection agency claim that my account got to them because my application fee came back as insufficient funds. I try to work things out but the people were rude. I was never informed of the insufficient funds and never lived in this apartment. 
The amount is {$330.00} I do not have such amount of money to pay, I have tried disputing with the credit union that the account was reported to after the collection agency after trying to talk to the collection agency. I have contacted the apartment who claimed the were under new management and couldnt 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 2017-09-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I have learned of the data breach affecting the credit reporting agency Equifax Inc. and am concerned that I may be affected. There is misleading information about the extent to which people are affected, in particular, concerns that Equifax Inc. is not providing reliable information on whether or not individuals are actually affected, and that making enquiries to determine this through the website http : //www.equifaxsecurity2017.com/ may actually be obliging you to opt-out of taking certain legal remedies against Equifax Inc. later . 

I am concerned that I may have had personal data exposed by this attack on Equifax Inc. and that I may suffer loss as a result. I am concerned that Equifax Inc. is not acting transparently, honestly or in my best interests when seeking to offer me information about my risk or protection from credit abuse. 

I am concerned that Equifax Inc. made no attempt to contact me personally regarding this issue and that I had to learn of this from news media. This is particularly concerning as it delayed my response in placing a fraud alert with Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-09-07
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX my phone was hacked and they went into several accounts and sent money to other people. I contacted Pnc and put in a report that my card was compromised. They sent a letter back saying they found the charges to be legit. I didnt make this transaction of {$2000.00}. This charge was made through XXXX who also refused to refund the money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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 have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Experian : XX/XX/XXXX Credit Bureaus, XXXX, XXXX XXXX and Experian, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and Experian does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

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 2022-09-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Tried to call Amazon about their credit card and fixing an issue I had. They had me download XXXX XXXX and took over my phone, asked me to log into my bank account- which I did not do, but clearly had access to my whole phone where there was a lot of personal information stored. Possibly had access to credit card and banking 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 2021-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We repaid our Mortgage through a refinancing on XX/XX/XXXX of this year. When we contacted our lender we were advised that they anticipate 30-60 days for refund of our escrow account. My understanding is that under Regulation X mortgage lenders have up to 20 business days for such refunds. The lenders response in light of this seems unreasonable to say the least.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive a response from this company that simply telling me that the call they call their sister company and they dept was accurate and Im not satisfied with that so Ill challenge this company to show me proof of Id social or signature or any other documents that was use to validate this dept Ill like this in writing by mail or email! And if this company fail to provide all proof to show that this Debt is 100 % accurate Ill ask for them to remove this account under the fair credit act

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 2021-09-24
Company: Checkr, Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Writing this in regards to background done by checker for XXXX, I believe I had identity theft on there because I had to report it in 2019 and now every time I put in for a job or anything online that identity theft that pops up is hindering me from getting obtaining employment. Also my background as far as criminal history is concerned is 14 years old, it shouldnt be held against me. I also want to know why my report from checker came back as suspended and who would I need to contact to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account with Navy Federal Credit Union online. My daughter is an XXXX XXXX XXXX and an account holder. My other daughter had opened an account online without any problem. I filled out all of the information requested, but received an email message that I needed to submit additional information before I could open an account. I was not told why this was the case, but Navy Federal gave a list of documents that I could submit. I selected to submit my Driver 's License and my vehicle registration. I submitted those a pdf documents from our office copier and my computer. I use these tools daily to submit pdf documents to governmental and private parties as part of my law practice, so I know there is no problem with our equipment. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I took photographs of the documents and sent them as jpeg files. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I made hard copies of the documents and mailed them to Navy Federal 's XXXX XXXX XXXX. Again, Navy Federal wrote back by email stating that the documents were too blurry. I have contacted Navy Federal by telephone with my last phone call being with " XXXX XXXX ( last name withheld ), supervisor in the " Resolutions Department ''. The only suggestion that XXXX gave me was to reapply and send the documents again. This was not a good faith opportunity because my sending the documents again would only result in another message stating that the documents were too blurry. I asked to speak to someone at Navy Federal and allow me to send my documents to them directly to confirm that they are not blurry. This was not permitted. I have no remedy in this case. Continuing to reapply and receive messages that the documents I am submitting are too blurry, when in fact they are not, will not result in a different outcome. I still do not understand, and it has never been shared with me why I needed to submit additional documents when my daughter was able to open an account online without trouble and without submitting additional documents. If Navy Federal is going to require the submission of additional documents Navy Federal should have the necessary equipment and personnel to review these documents accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation