BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The mortgage late reported by XXXX XXXX in XX/XX/2021 for XXXX days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per XXXX of the representatives named XXXX at XXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the XXXX XXXX XXXX on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX, XXXX my credit report was used without my consent from XXXX and 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 2019-09-26
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2019 My mother was contacted by a company DNF Associates? regarding further termination of working with XXXX XXXX? Stating that my PARENTS needed to verify ALL of their information, INCLUDING their social security numbers in attempt to send a notice to ME. 
First of all, my parents NOR me are associated with XXXX XXXX in any way. 
I believe they use this as a tactic to be called back. 
When contacted, the company had MY social, MY address, and MY phone number, and I have NO idea how they got me parents information. I am NOT a minor, and the debt they are claiming to try and claim, is not associated with my parents in ANY way. 
When on the phone, the guy was very rude and abrupt and stated that IF he sent ANY sort of validation, that I could not settle the debt and the attorney would take this to court. I asked was it not my right to see what they said I owed? Very rudely, he said yes, he could mail my a validation but then it was out of his hands and there was no way he could help me and I would be sued. 
In addition, to being rude, and abrupt, he has no legal right to contact my parents, as I am not a minor and he legally had ALL of MY information on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: SC
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:
SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a debit validation certified letter to Medicredit Corporation XXXX. XXXX XXXX, Maryland, XXXX, MO XXXX. I gave them 30 days to respond back to me via mail to provide me with competent evidence that I have any legal obligation to pay them. It has been over 30 days and I have not received any information from this company.

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 2022-02-03
Company: Frontline Asset Strategies, LLC
State: NY
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase online to Home Depot for ( 2 ) air conditioners. After they changed the shipping date to a later date, I called on X/X/17 to cancel the order. They transferred me from the customer service department to the major appliances department where my cancellation/credit was processed. I then found out a week later that the cancellation/credit was not processed as I received another call with them trying to attempt delivery on the cancelled order. I called customer service and they explained that the cancellation was not processed correctly and they transferred me again to major appliances where the cancellation/credit was processed again. After a few weeks, the credit has still not been issued. I reached out to them several times inquiring about the credit. All attempts were ignored except for my last response where I explained I would file a complain with the Consumer Finance ( CFPB ). They finally responded with a letter on X/XX/17 that I was not responsible for the payment or interest. No information was included about removing the charge from the credit card. I just received a new statement and the balance still shows this charge. I would like an immediate resolution so this does not affect 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 2022-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}

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 2018-01-04
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I wired USD XXXX to my account at Coinbase on XX/XX/XXXX. As of today ( XX/XX/XXXX ), I still have no access to my funds and they have not returned the payment either. I checked with my bank and payment was cleared the same day and transferred to the account of Coinbase at XXXX XXXX XXXX on XX/XX/XXXX. It has been almost a month and it is almost impossible to get a hold to anyone from Coinbase at all. They reply emails once a week with no specific information, only automated responses. Their customer service phone is impossible to reach either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX/DSNB / XXXX / - BANK OF XXXX XXXX XXXX / {$1500.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

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 2017-07-27
Company: Avant Credit Corporation
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX, I sent out a debt validation letter to XXXX XXXX XXXX about account XXXX. They received the item on Friday, XXXX XXXX. 

They responded within 30 days, however they are still attempting to collect the debt from my, although it is past the state of Florida 's Statute of Limitation. Proof of there attempt to violate Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations is attached, listed at the bottom of their document. They state : " This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose ... '' I have grounds to pursue legal remedies if this issue is n't resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
When reviewing my consumer report I found that there is a late payment that should not be reporting to my consumer report. This late payment has hindered me from obtaining credit. As a consumer exercising my right, I demand that it be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Apparently there has been a miscommunication regarding the status of active litigation between myself and Bank of America. To the best of my knowledge, there is no active litigation, mediation or arbitration between myself and Bank of America. Bank of America has not provided a case number for any active adversarial legal proceedings between myself and Bank of America that would necessitate the referral of this matter to their legal counsel. There is however a Notice of Error Case No. XXXX dated XX/XX/XXXX and XX/XX/XXXX ( attached ) that is still pending. As entitled by law, I requested a concise written explanation and all documents utilized by Bank of America to make its determination as to the first date of delinquency on my loan. To date I have not received an adequate response to my inquiry.

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 2017-07-27
Company: Midwest Credits, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have a very old account that I recently received notice for garnishment. It was from 16 years ago. I paid approx {$800.00} + dollars of a {$11000.00} amount. I have record and they were also notified of the amount. I also know they can only charge me 10 % of the remaining balance a year on the state of South Dakota. I also received a letter from them a few years ago that I did, in fact, pay that amount. So, now I get a garnishment order for the original amount. They say that is interest added on. I can tell you through basic math, that is not a correct amount. Midwest Credits refuses to update the amount. On Top of that, my employer is not calculating the amount correctly. They also refuse to correct it. I do have all paperwork associated with this claim. Any help would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2018-01-04
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Seterus overpaid my XXXX taxes by {$660.00}. My county tax office refunded the overpayment on XXXX XXXX. There was NO change in my XXXX tax rate from XXXX. 

Seterus increased my XXXX mortgage by {$69.00}. I called Seterus tax dept. on XXXX XXXX, and after an hour and a half of discussion with Seterus tax and customer service was assured they would correct their mistake in 7-10 days. They assured me my escrow would be adjusted to the correct taxes. They could not explain WHY they overpaid my taxes in the first place!! 

My XXXX mortgage bill came in {$55.00} higher than normal. I called Seterus again today and was told my taxes STILL show as {$1300.00} DESPITE the fact that they NEVER received a bill from my county tax department for {$1300.00} and when they paid {$1300.00} instead of the bill which was {$640.00} the county tax people refunded Seterus the {$660.00}  overpayment. 

After another hour and a half on the phone the customer services rep said she will resubmit what had already been submitted but I would have to pay the increased mortgage rate AGAIN in XXXX. So far Seterus has effectively extorted {$120.00}. For a person who is XXXX on a very limited income this is equivalent to attempting to price me out of my home. 

Seterus made the mistake. Seterus received a refund in XXXX for their mistake. Seterus is still demanding an unsubstantiated increased mortgage amount from me. Seterus is still stalling saying they have to start a process all over that they promised last month would be resolved. 

When Seterus received a check for {$660.00} in XXXX from the County Tax Department that should have triggered an escrow analysis. County tax departments do not just issues refunds. Instead they pocketed the money and increased my Mortgage! 

I want my {$120.00} back. I want them to get their act together and bill customers according to the actual escrow bills.

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 2019-07-30
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am having extreme hardship and I have talked to Ally Financial, we made an agreement to have missed payments on the back of the loan. they reneged on that and repossessed my car. That's not what has me upset the most. I feel extremely offended by the customer service reps that I spoke to. I was called a very XXXX  women by one gentleman. I am upset at that, I have called the company, I have contacted the XXXX  and the response that everyone receives is that they will not reply due to privacy concerns. I don't understand what the privacy concerns are here??

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 2019-03-02
Company: FMA Alliance, Ltd.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from FMA Alliance , Ltd indicating I have a balance due to them as a result of an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$290.00}. I sent a letter requesting them to validate the debt, as I'm unaware of any such debt. The request for debt validation was sent to FMA Alliance on XX/XX/2019 and has not been responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a synchrony credit card and XXXX XXXX credit card where I made a XXXX $ minimum payment I recently have gone through financial hardship and have been late on making a few payments. I was struggling with making payments on student loans not understanding credit at the time.

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