BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have sent proof to this credit bureau 2. First time they stated my information on license and social did not match my address. I received a new license with updated address and they sent the response again. I believe it only fair since they will not take the proper steps to investigate and are giving me false responses that the accounts in dispute be deleted.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was previously using XXXX XXXX XXXX to help clean and correct my credit. They were sending letters on my behalf that I was unable to view prior. As of XXXX I have been the sole communicator in regards to the collection agency. I have repeatedly ask that send me documents doing a complete verification of the said debt. I have specifically asked for the orginal contract signed ( as the debt has been sold to another collection agency. Both are reporting the same debt ) I am also asking for clarification on how they came to the specific amount owed. Neither company has sent me the requested documentation. Instead the current collection agency just keeps sending me the same document saying that they are not going to respond even though they have yet to send me the documents in question that I have asked for several times. 
The orginal company that the debt started with is not even bothered to respond to any letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a Insurance claim with a loss date of XX/XX/2018, where remediation was completed. Now our house is torn up and we finally got the remediation check from the Insurance company. The mortgage company, Flagstar, was put on the check so we call them and asked them how to have it signed off on to get the funds. We were sent a check list and told if under 10,000.00 they would only need the check signed and the Insurance estimate. We overnight this to the mortgage company. There was a few days later the check for the rebuild that exceeded the XXXX, so we got the remaining information they wanted and sent it by priority mail. This was delivered on XX/XX/18 @ XXXX. We have called two times and this last call on XX/XX/18, they are telling us they do not have the information and that it take up to 48 hours to get the information in the system. Note it has been over 48hrs. They will not release any of the money and the manager stated that he will only send an email to see if they can find it. In the mean time we have had our house torn up with the remediation, that was completed over three weeks. The contractor is waiting on getting paid to put our house back together. I have been an XXXX for XXXXyrs and have never heard of any Insured having this much trouble with a mortgage company. We need help to get our house back together. This has been going on for almost 3months and it was not even a natural disaster.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.

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 2018-12-20
Company: Experian Information Solutions 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:
The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Experian for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this 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 2020-07-08
Company: Southern Financial Systems, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, I was XXXX  and went to the Er at XXXX XXXX Hospital in XXXX XXXX Ms . I explained to the er nurse what happened and she documented everything. I got a call from the hospital about a month later in regards to the bill and I explained to the lady that I am fully covered by XXXX and XXXX as I am XXXX. However Im not sure if they would cover it as it was the result of an XXXX. She said that she would look into it and get back to me. I did not hear from her and now I have a southern financial systems reporting a failure to pay on my credit report. I did not enter into any sort of contract with southern financial systems and did not give XXXX XXXX hospital permissions to release any of my information to said company. I have provided information necessary to get this debt paid. Why is it on my account and why is a company that I have no dealings with reporting it? I have never received a paper bill only the phone call from the billing agent asking when I would make a payment. I told her at that point of my full coverage insurance and notified her that I had never gotten a bill. Also the XXXX advocate group agreed to pay any over allowed balances from the hospital bill from the XXXX. I did not get any other correspondences besides this popping up 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 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
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:
Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have notified TD BANK, online banking department about a Marketing issue TD Bank and I have collobrated on errors. However, the issue according to TD Bank is " I did '' meet TD BANK marketing qualifications for opening a new Premier Checking Account. 

Detailed Summary : [ TD Bank correspondents acknowledges TD Bank has failed to met financial liability of 300.00 usd within the scheduled time frame of 95 to 125 days according to Premier Checking account ending in XXXX under account holder XXXX XXXX XXXX. ] This document officially introduces an correspondence effort in which expresses TD BANK has breach its online Marketing promotion banking agreement and Federal Banking Statute of the United States 25 U. S. CODE 3316 stats ( a ) when an individual enters an  agreement for obligated in return for financial assistance in which in this case is financial credits. Also, ( b ) requires a repayment of financial assistance provided, pro-rated for the amount of time obligated to obtain after customers agreement accomplished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
XXXX XXXX ; XXXX XXXX, XXXX, AR XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date Reported : XXXX # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date : XX/XX/XXXX This account was settled in 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 2019-03-03
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two charge-backs were opened on XX/XX/2019 against Merchant XXXXXXXX  XXXX XXXX ' because this company had engaged in fraud by selling us fraudulent XXXX contracts. We became aware of this in XX/XX/2019 and opened the dispute accordingly. These include Dispute # 's XXXX and XXXX. 

Discover Card is obligated to protect us from this sort of fraud, as it was opened within the two-year time frame. This is also not the first time Discover has failed to protect us as consumers. We are highly disappointed in the level of service we have received from Discover. We are considering withholding future payments on this card balance, since it contains charges that we regard as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Account Control Technology, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent off a letter for the company to validate the debt they say I owe they sent me back a letter stating they did not have enough information when I included all the information I wanted to be validated I asked them to validate the amount of the debt how they came up with the amount who was the original creditor and several other questions they in return write me back asking me for supporting documentation and a list of other things I feel like this is a tactic for them to get me to validate the debt on my arm which I will not do because it is their responsibility first off this just appeared on my credit they never sent me a letter giving me a chance to even pay it

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 2019-03-03
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: Information belongs to someone else

Complaint:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX/ XXXX : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/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 2023-02-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was harassed to pay an already paid debt I presented receipts of payment and was told lies such as the check bounced or I paid with fraudulent funds. My girlfriend was also harassed and threatened by the company until she started a payment plan, Ive written the court and the sent a letter to draw down the funds so they can be paid and when I had my girlfriend to call hunter warfield we were threatened again with further legal actions and damages to our credit. I have called them countless of times and they should have records of the way they spoke to me as if I was XXXX and didnt deserve to have this matter solved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The most recent letter I received from Citibank, N.A., stated they have tried to call me at ( XXXX ) XXXX and received no such call. Please ask Citibank, N.A., for phone records proving their statement that they have tried to initiate communication.

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 2018-04-28
Company: EQUIFAX, INC.
State: OH
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 formal disputes with XXXX, Equifax, and XXXX  in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her Equifax report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having problems with The XXXX XXXX XXXX XXXX  for a medical dept. They are trying to charge more than I owe. I have disputed this bill with XXXX and that did not help. I finally sent a dispute letter to the collection agency, which they received on XXXX/XXXX/2017 and I uploaded the dispute letter. I also uploaded the only bill they sent me that pertains to the amount they put in XXXX. The amount they have is wrong because they added a different bill to it from a different date. The bill they sent me is on their own letter head, so they could have put any amount in there. 
The smaller bills like the one they added to this one, I may be able to pay if I owe it. In addition, my insurance company got on a three-way call with the collection agency and me, the collection agent told us that the extra charge was probably a charge off fee. 
They never sent me a copy of the original billing statement, they never explained how the extra charge is expressly authorized by the agreement creating the debt, and no details about their authority to collect this debt. Please help, I am trying to straighten out my credit and they do not want to cooperate. 
They wo n't even negotiate with me. I told them that I can afford {$50.00} a month and they will not even accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Resurgent Capital Services L.P.
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 
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Company response to consumer: Closed with explanation