BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
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: Account status incorrect

Complaint:
I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.

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 2020-09-24
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with XXXX, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) XXXX called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, XXXX kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " Resurgent '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX XXXX  and never got received them, but XXXX just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The company sent an escrow check in just my name, because my husband is deceased ( XXXX yrs ). I cashed check with no problems. My mortgage was recently paid off. Now BB & t sent the refund after paid off check, in both my name and my deceased husband. No consistency with my account. I sent XXXX XXXX the now required statement my husband is deceased, and send refund check in just my name. Remember months earlier they issued escrow check in just my name. There is no consistency.

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 2018-10-29
Company: EQUIFAX, INC.
State: NY
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:
MY XXXX rewards master card was charge doff and settled with XXXX, but XXXX converted the card to XXXX XXXX/XXXX XXXX XXXX and sold to XXXX XXXX XXXX XXXX. The account number is XXXX it has been settled and should be reporting a balance of XXXX but still reporting status as a bad debt and in collection on Equifax. The balance is being reported as {$2.00} even though the account has been legally settled. XXXX XXXX XXXX   XXXX.Has reported inaccurate information on my credit report and I want it fixed.This account has been settled on XX/XX/2018 for {$1500.00}. Wrong account status, show it is in collection with a balance when it has been settled and legally paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I opened an investigation with Experian on XX/XX/2019 XXXX proof documention attached ) regarding XXXX XXXX XXXX  and allowed XXXX XXXX XXXX  to place another alert on my account, 3 days later, on XX/XX/2019 and Experian did not have documented on my report as it being in " dispute '' ( document proof attached ). XXXX XXXX XXXXXXXX also closed my account after I've been making monthly payments. The balance is also incorrect. Also, I explained in a short statement to Experian that XXXX   XXXX XXXX never contacted me in writing, about my account status, at no time, before closing it, due to one  reason of them sending it to an incorrect address and calling an incorrect phone number that they have for me. The address that one representative stated they used for me, prior to my account closing ( although they had my new address, but did not use it to contact me ) and prior to me confirming ( again ) my address, is an address that pertained to where my identity was stolen.Two representatives of XXXX XXXX XXXX, quoted my address as being in XXXX XXXX when it is in XXXX, which I have reported to Experian and XXXX XXXX XXXXXXXX as my current address, but XXXX XXXX XXXX  sent all communications, prior to them closing my account, to the XXXX XXXX address, per two representatives ( which proof should be in their recorded telephone calls ). Also, XXXX representatives and a supervisor ( whom stated she was in the california office ) stated that XXXX XXXX XXXX only makes phone calls and do not send out letters, but with so much fraud, including my identity being stolen is not an effective way to contact me because people are impersonating banks and other establishments daily, as that has happened to me and one reason how my identity was easily stolen. Also, XXXX XXXX XXXX has an incorrect phone number for me, so they could not have possibly called me. I was told different stories from representatives and a supervisor regarding why I was not contacted, prior to them closing my account, even while I was making monthly small payments. Proof of my address is also 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 2021-10-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we received a mortgage payment bill but immediately saw it was a different company and a significant higher monthly payment. We contacted the new company PHH Mortgage - XXXX and requested clarification on what's happening with our increase mortgage cost since we are on a 30 year fixed. they proceeded to tell me the prior company had sent a financial review of the mortgage and the information sent indicated a significantly higher escrow amount ( annual tax and escrow acct balance ) than what I had just stated. They sent me a copy, within a week, of what the other company XXXX - XXXX had sent to them regarding our mortgage and they had significantly and fradulently quoted that our taxes were {$7200.00} when in actuality our taxes to be paid in 2021 are only {$5400.00} with the 1st install was paid on XXXX XX/XX/2021 of {$3500.00} by XXXX leaving only {$1800.00} due XXXX XXXX. As the result the new company Immediately began overcharging us {$1400.00} versus {$1100.00} with the prior company. At no time were we notified, by XXXX or any changes to our mortgage until we filed a complaint with XXXX and on XX/XX/2021 someone called to say that had sent us an update but couldn't document when or send us a copy. Our escrow needs to revised immediately and XXXX needs to be held accountable for fraudulent business practises. We have sent to PHH all the valid escrow tax and insurance date directly from XXXX COUNTY Illinois for the last 5 year period which document the actual taxes listed above. We have spoken to PHH over 5 times, sent all appropriate and requested documents, fax confirmations and this is still not taken care of. Since we have no recourse other than hiring an attorney ( too expensive ) we are placing our trust in your organization to hold one of both parties accountable. Since all the documents are hard copy I would be happy to fax, priority mail any and all copies that have been sent to PHH. Thank you in advance for yourhelp and consideration with this outrageous matter! 

Sincerely, XXXX XXXX XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Synchrony Bank PayPal XXXX is incorrectly reporting an account that was included in a bankruptcy proceeding. They are reporting this account as open and with 2 late payments. This information must be deleted, it is completely incorrect. I have an ongoing dispute about this account with XXXX, but it is coming back verified by Synchrony. This error must be corrected 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 2021-10-13
Company: JPMORGAN CHASE & CO.
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:
Hello, My name is XXXX XXXX and I am writing this as an appeal to my claim that was denied and to aid Chase in the investigation of the fraudulent use of my debit card. In XXXX of this year my card was hacked and I was robbed of XXXX dollars. I was made aware of this when Chase declined my card and I had to call in. I was told that my card was declined because someone was using it at the same time. They closed the card and I was issued a new card. We went through the transactions and I identified the many transactions that were fraudulent. Chase returned the money and began an investigation. Now months later they reversed it and denied my claim. I called to ask why because I know these transactions are not mine, and no one is giving me any information. I know these transactions are not mine because I have never been to any of those places. I am new to the XXXX area, I do not have a car and I do everything within my area. I see a name on some of those transactions listed XXXX XXXX I have no idea who that is. Also many of these transactions were used using a digital wallet on an XXXX  and I have never used or owned an XXXX. I have only had an android my entire life and use XXXX XXXX. One bit of information I was told was that my ip address is somehow connected to these transactions. I am not an IT specialist but I would assume that an ip address can be hacked, especially because I was told my card was closed because someone was using it at the same time. I recently filled out a police report because I want whoever did this to me to be held accountable and I want answers. I have called Chase numerous times to get answers and no one is telling me anything. I am deeply saddened as I have been banking with Chase for over 15 years and I trusted this institution to keep my money safe. I am honestly afraid to bank with them any longer and am considering closing my account. It is sad that I would rather go to a check cashing place than to put my money in the bank. I keep getting vague and different answers from different people. I would like to see the notes on this case so I can get some clarity and I want my claim to be reopened. I did not do this, I work hard for my income and saved because I am a contracted XXXX  and did not work this summer. I have rent and bills to pay just like anyone else and to do this to a loyal customer especially during a pandemic is reprehensible. Should I be seeking legal counsel? Please I need help, I need answers. Thank you Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Everytime I call this company they never resolve any issue they just transfer you till the call drops. It's really unprofessional that the agents you get cant speak english and have a bad attitude. Im also receiving other peoples credit reports in my mail. What is your process on verifying info? Im over this company making so many mistakes and never resolving 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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reached out to each creditor and they concluded that there inquiry was in authorized. Transunion refused to delete the in accurate information from 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 2021-10-13
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX - XXXX Balance Owed : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
explained I was on SSI XXXX and could no longer pay the balance and cancelled my credit cards. I was down to one income after my partner passed away XX/XX/2016. 
Calls have been more and more frequent There have been other phone calls constantly. 
XXXX XXXX XXXX XXXX XXXX XXXX. many others. 

Can this company take my Social Security Retirement? It's the same amount as my SSI XXXX. I need this to live on. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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:
Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.

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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: WI
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:
Hey I opened up a XXXX XXXX XXXX account through XXXX  XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them

Company response to consumer: Closed with explanation