BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-03-08
Company: EQUIFAX, INC.
State: CT
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Midland Credit Management , Inc is claiming this account. The information sent to me to validate, shows the account has been charged off, so they are trying to collect a debt that was already paid by insurance protection. They say the original debt is XXXX XXXX XXXX XXXX The XXXX XXXX. This debt has been paid already and the fact they are trying to collect money on a debt that has already been charged off is not legal. I do not owe Midland Credit Management , Inc any amount. This needs to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-06-20
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This cell phone debt is not mine. This debt originated with XXXX who sold it to XXXX XXXX XXXX ( who deleted the debt ), XXXX bought it back, and sold it to Convergent Outsourcing who said that they had no information on the debt at all to even collect. <P/>PLEASE SEE COMPLAINTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent As a consumer, I should not have to jump through loopholes to see who owns the debt and try to track creditors down. <P/>Debt not validated with any original documentation to include my signatures.

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 2018-10-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
MONEYGRAM FAILED TO FURNISH ALL DISCLOSURES REGARDING INVESTIGATION REQUESTED FROM XX/XX/XXXX-XX/XX/XXXX. WE ACCIDENTLEY PAID XXXX XXXX XXXX FRAUD INDUCED WIRE TRANSFER TO REC CODEXXXX BETWWEN XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I overpaid my mortgage ( in my deceased husbands name ) to Mr. Cooper as their quoted payoff amount remitted XX/XX/2021 did not include the previous payment made on XX/XX/2021. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would receive a refund check in the amount of {$1500.00} within 30 days. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said a check will be sent again, and should be received within one week. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me to send a voided check to XXXX to have the funds direct deposited within 48 hours ( sent same day ). The refund never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me the funds should be deposited by XX/XX/XXXX. They never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would have to prove that I am the one who was providing payments to them by sending XXXX the last 12 months worth of checks Mr Cooper processed from me ( sent same day ) and I would receive payment within 48 hours. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said the voided check they received from me was uploaded to the wrong file. She corrected it, but needed her manager ( who was in a meeting and couldnt be reached ) to approve the refund and I will receive the overpayment within 3 business days of manager approval. She was not able to tell me when or if the manager would approve her request. The obvious obfuscation and delay tactics have devolved into the dog ate my homework quality excuses with the intent of depriving me of {$1500.00} that they over billed me for. While Mr. Cooper does admit the refund is due they continually do not issue it. Please help me with this questionable business practice and attempted theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Inquiry- XXXX XXXX Inquiry-XXXX XXXX Inquiry-XXXX XXXX XXXX Inquiry-XXXX   Inquiry-XXXX These inquiries need to be deleted from my transunion credit report I tried contacting them and their customer service would not help and take care of the negative inquiries reporting to to my credit report that should not be there when I tried To let them know that these should not be on my account

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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XXXX XXXX my Chase Amazon credit card was charged {$490.00}. for gift cards from 4 different places. XXXX, XXXX, XXXX XXXX, and a place called the XXXX XXXX XXXX. Amazon sent me an email about a possible fraud alert for this transaction. I called and all the transactions were cancelled. I have emails confirming this. I called Chase and cancelled my Amazon credit card as it had been compromised. They issued me a new card to replace the one compromised. The first statement for the new card there appears the {$200.00}. charge for the XXXX XXXX XXXX that was canceled from the previous card. I immediately called Chase Bank and explained that we did not make this transaction. I then called the XXXX XXXX XXXX  and informed them that this is a duplicate of the previous transaction I disputed a month ago. They checked into it and sent me a email stating that the charge was refunded and I should see a refund on my next statement. I have been disputing this monthly with, and even sent them copies of, my cancellation emails from the company, and to date the refuse to issue me the credit for {$200.00} I do not know what else I can do I have all the proof that that the company sent me but Chase Bank still refuses to show the credit on my statement. Can you help me get this resolved once and for all?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Transunion has made it impossible to activate " Security Freeze '' of my personal credit report. I have logged onto their site, where they heavily advertise their alternative " Credit Lock '' for {$19.00} monthly subscription. it take time to find the link to the Security Freeze option, which ultimately returns a 'technical error '' message, with a number to call. I have called the number, but that also returns a recorded message of 'technical error '. In short, Transunion has effectively block any method to security individual credit reports without using their high cost subscription service

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 2019-01-10
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2019 Navy Federal Credit Union took {$380.00} out of my account for a credit card debt that I am reinstating bankruptcy for. I explained that they had no right to take money from either my XXXX or XXXX XXXX XXXX XXXX Compensation checks without authorization. Collections told me they could take money owed them because they claim my XXXX compensation is the only one exempted which is not true. My XXXX XXXX check is exempted also. They refused to replace and threatened me that if i dont make an arrangement to pay them they will took the next check as well. I can not stop either check from being direct deposited due to the government shutdown. I contacted my bankruptcy attorney today and he is filing my new bankruptcy asap. As soon as the government reopens, yet I have no way of knowing what the collection dept at The Navy Federal Credit Union in XXXX will take my money. My deposits stated on my bank statements as ( XXXX and XXXX ) both from US treasuries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is horrible to deal with if you have any issues logging in, making a payment, claiming fault for any website malfunctions, checking banking information for accuracy to avoid rejection of payments after the due date which results in late fees that they will not excuse because of a fault of their own. THEN ... on XXXX we called Home Point Financial to explore the possibly of skipping a payment and adding it to the end of the long due to a nature disaster where our home is inhabitable and in the middle of an insurance claim. We have had SEVERAL unexpected expenses due to this situation and Home Point mentioned they don't offer the service to skip a payment and if we would become more than a month late they report it to a debt collection agency. I understand that this might not be a service that they would want to offer, but I am very frustrated that it is not an opportunity for some circumstances. Horrible customer service and I am looking forward to the day of getting to refinance with a more understanding and WELL ROUNDED company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Personal information incorrect

Complaint:
The credit bureaus is reporting my name wrong and they refuse to remove it. I have sent in multiple letters asking them to update the correct spelling of my name and they refuse to do it. This has been a frustrating process and its hindering me from moving forward. The credit bureaus is violating my right by reporting inaccurate information on my credit file. 15 USC 1681 ( a ) ( 4 ) -There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The credit bureaus did not do their investigation.

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 2023-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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:
I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX   XXXX  - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: MoneyLion Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Registered for " pave the wage '' promotion with MoneyLion and XXXX XXXX XXXX. Met all requirements ie opted in, deposits, direct deposits from employer, and all other requirements. {$590.00} is due for this promotion. Money has not yet been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections in XX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.

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 2022-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is reporting as " Repossession '' when in fact it was a lease termination. They circumvent Bankruptcy laws with regards to Repossession, by setting up their contract as a " Lease with the option to purchase '', maintaining their ability to retain possession of their leased property, under the guise of the vehicle not being collateral to secure an actual loan. This being said, they do not get to ALSO incorrectly report the account as a " repossession '' in pursuit of an {$8000.00} deficiency balance, when they simply terminated the lease contract and retained their own property. Again, this was not collateral used to secure a loan and therefore not a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These 2 collections were taken off my credit in XXXX of XXXX. Myself and the instance I had at the time contacted the collection agency and my insurance told them the company had a year to bill them and after that they could not. I disputed these collections and they were taken OFF my credit. XX/XX/XXXX. The same collection agency has put them back on there XX/XX/XXXX. I have contacted them several times only to be yelled at saying Im responsible and that they did not take them off because of what insurance told them back then that they sold it to another agency and that was the reason when thats false. The lady saying that didnt work there then and it was taken off as soon as i disputed it then and after the insurance lady spoke to them. We were told it was gon na be taken off which it was. In XXXX. I need these taken off. I have the dispute results from XX/XX/XXXX which shows they were taken off and I did not owe and was not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is a fraudulent debt collection. I do not authorize this. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: MO
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:
My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.

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 2020-07-22
Company: Credit Control, LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I call XXXX XXXX for information about my account and they said that my account was sent to collection agency Credit Control LLC and the phone number that they give me is not available. 
XX/XX/XXXX I call again the XXXX XXXX  trying to see if they have another number to call but they give me the same one. 
XX/XX/XXXX I send email to Credit Control LLC the one i found online XX/XX/XXXX I got email from them saying they don't have the account from my debt. 
XX/XX/XXXX. 
Im done call XXXX  and they told me to fall complaint here to see what they can do. 
The disputes are saying to XXXX  that they have the account but it not true because if they have it I can be able to make the payments. The bank keeps reporting to my credit and its CLOSED but is unpaid and its giving me hard time to get house. 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