BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!

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 2020-10-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
on myEQUIFAX report I noticed an item showing up that have not been on my report in several years. I realized it when I noticed my score drop by at least 20 points. It was from an old debt I HAD CLEARED UP AND WAS REMOVED, NOW IT IS REAPPEARING ON MY REPORT. IT WAS FROM AN OLD ACCOUNT AT XXXX XXXX  THAT HAS BEEN PAST CLEARED UP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I would like request a full XXXX XXXX, XXXX XXXX, Innovis credit reports. I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to https : XXXX and completed the application process. I requested my XXXX Report, which displayed, but I was not able to print or save the report. The same results occurred for Equifax. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my condo in XXXX and the lender sold the mortgage to Chase Bank. For the 2nd year in a row, despite receiving billing from my insurance agent, Chase Bank did not pay my mortgage insurance, causing my policy to go into termination due to non-payment. 

The first year, Chase worked it out and paid. But two year 's in a row is not acceptable. This time, on XX/XX/XXXX, they claim they overnighted a payment, but the are unable to find any identified shipper nor tracking number, and XXXX XXXX company has still not received the payment. Chase is unable to find in their system if the check was ever cancelled. 

At this time I am without homeowners ' insurance, which puts me at great risk. 
Date notice sent from XXXX to Chase : XX/XX/XXXX, due date XX/XX/XXXX Chase claims they received, but states the bill had no amount on it, yet would provide no proof of that. My copy had the amount on it so I don't believe them, especially not XXXX years in a row. 
Amount of the bill : {$320.00}, cancelled effect XX/XX/XXXX When I contacted my agent, XXXX XXXX, today, they stated XXXX had not received the payment. 

The supervisor I was transferred to stated it looks like the payment was not actually sent. He is investigating further but would not guarantee a resolution today, which I demanded given the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Approximately 14 days ago I opened an email from Experian offering 7 days of free service on my credit. I don't need the service, I already pay for the service with XXXX XXXX. I didn't sign up for the service or agree to any terms. On XX/XX/2020 Experian charged my XXXX XXXX bank account {$23.00}. I called Experian and aftegoing through various menu 's and wait times, I got a customer service representative, who said that I was charged the money because I didn't cancel the account. I explained that I had no account information, no agreement that was presented to me or my signature on an established account. The Rep. stated that I had set up the account and if I read the " small '' print it clearly stated that I must pay without a refund service if I didn't cancel. Experian does not have in their possession a signed agreement from me, nor did they provide with an agreement or any any account numbers or explanation of services. They simply used the opening of an e-mail to assume an account and they accessed my bank account- without my permission.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.

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 2021-08-08
Company: MiraMed Revenue Group LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent MIRAMED REVENUE GROUP , LLC a letter on XX/XX/2021 about a alleged debt of XXXX $ that i don't owe nor had any dealing with.this is also a violation of the HIPPA law of sharing my information with third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
On XX/XX/2022 I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX ( XXXX  : {$74.00} Balance Updated : XX/XX/2022 ) Its been over XXXX  days and Experian XXXX respond to my request as they are required to by the Federal Credit Reporting 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 non-monetary relief
Consumer complaint received 2020-11-17
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Progressive Management and XXXX XXXX XXXX XXXX violated the law by attempting to collect a debt that I should not owe. XXXX XXXX XXXX did not even attempt to bill the Department of Veterans Affairs even though I provided them with written authorization and proof of my insurance. This is violation of Federal code 38 and 17. 

I contacted VA and verified that they never even attempted to bill for service even though I emailed the provider the authorization letter beck in XXXX of 2019 and have proof I did. I am providing VA Care Center reference number XXXX and they can be contacted at XXXX. 

I have written both the 3rd party collection agency and the original provider and have received no response. I wrote the original creditor and Progressive. I disputed the bill and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX. 

So they have never attempted to bill my insurance even though it was authorized and I went beyond the average effort and provided them with that written authorization. I believe that in doing so they settled with my secondary insurance for more than 20k less than what the VA would have paid so they may have lost over {$20000.00} and are now illegally trying to send me to collection for their mistakes in billing. 

They have ignored legal attempts to get information regarding the bill and yet have placed it on my credit while I was attempting to purchase real property and caused me financial loss. I am seeking legal advice as to what damages I may be able to recover as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Credit CONVERGENT OUTSOURCING, INC.. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed and unfair business practices. 

Account number : XXXX Date Opened : XX/XX/17 Hight Credit Limit : {$190.00} Balance : {$0.00} My dispute is based on many damages and all the violations that they have committed. 
I want the item removed from my records asap.

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 2020-09-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXPrint ADVANCED COLLECTION XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-05-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
OnXX/XX/XXXX at XXXX I applied for a loyalty rewards program at XXXX XXXX XXXX. I have been a loyal patron since the XXXX The cashier took down my information and I was not given an opportunity to review my address information. Since then I have never received my credit card and did not receive my account number to register online. This has prevented me from paying the outstanding balance and, in fact, have been charged late fees without a mechanism to pay. I have never been able to reach customer service despite repeated calls and sent an email onXX/XX/XXXXin order to document my efforts at attempting to contact Comenity bank. I am concerned about their predatory practice to withhold account information while also forcing accounts to accrue late fees. Simultaneously, as a consumer, I have minimal opportunities to contact them to reconcile outstanding balances. To complicate matters further, there is no clear process to close the account and worry about the impact on my future credit endeavors. I am able to afford the late fees, but on principle, I am concerned that this practice of withholding account information and hindering a clear method to pay ( so that fees are accrued ) engender a cycle of debt for consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company is reporting inaccurate information 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 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a TD account offering a {$300.00} bonus for direct deposit requirements being met. I opened the account through the " Get Promotional Offer '' link. I have attached a screenshot of the offer. I fulfilled all requirements for the bonus, including direst deposits from my employer. However, TD has not awarded the bonus. This is a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Information belongs to someone else

Complaint:
I have forward all needed documentation that was needed in order for Transunion credit bureau to remove any and all inaccuracies from my consumer report, they have failed to remove any of the inaccurate information base on there reply that my official documents was not official documents. Now Im SUFFERING ECONOMICALLY from their decision to not remove the information from my consumer report. I have been trying to purchase a Home for me and my family, and I am being denied because of the inaccuracies on my file. I am Now seeking legal/financial remedy.

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 2020-07-24
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: Information belongs to someone else

Complaint:
I contacted the XXXX XXXX XXXX  in response to inaccurate information posted on my Equifax credit report. When I received the debt validation letter from XXXX XXXX XXXX, it became clear that the account on my report does not belong to me. The information on the documents provided are not my own. The name, address, and social security on the document is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, Equifax, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2018, approved for a home equity cash out loan with Quicken loan ( Rocket mortgage ) Our property consist of 15 lots which was purchased in 3 separate parcels. The loan officer was informed that we only wanted to use the parcel that included the home for the cash out collateral. We were informed that we need to separate the parcels into separate accounts in order for this to be done. The parcels were separated into 2 different accounts at the county appraisal district. Property id # XXXX was for requested property ( address XXXX XXXX XXXX lots XXXX ) copy of account detail is attached. Property id XXXX is for the remain lots ( XXXX ) with address of just XXXX XXXX ( copy of account detail is attached. The appraisal ( copy attached ) was done only on property id XXXX and did not include property id XXXX. Quicken loan has attached a lien on both parcels ad will not release the lots not included in the appraised value. The parcel ( # XXXX ) appraised is what our loan was based on and not the other combined parcel which also has a lien. This greatly affected our LTV & rate I have requested that they make all the disclosures available on our dashboard for further review ; as they changed the disclosures more than once or twice. I combined the accounts back together in XXXX of this year. If Quicken loan 's policy was not to split the parcels, why did they not have the appraisal done on the both parcels. They ordered the appraisal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not authorize consent to nor benefited from any listed account ( XXXX ). Block and Remove

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 2017-08-09
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Santander consumer USA I tried my best to ask them to split my payments for 6 months due to not employment and now receiving XXXX which ai n't much a month I really want to keep my SUV but Santander does not refinance loans and since they had help me in the past .. I owed way more on the vehicle than when I purchased it ... when I first financed the vehicle it was XXXX and now the pay off is XXXX I owe way more than what the vehicle is worth ... I am very hurt about this matter ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation