BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation
Consumer complaint received 2021-07-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: MS
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:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: TX
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:
cra violation of my consumer protection act po report sent to XXXX, exp, XXXX inaccurate information must 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 2019-04-02
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing this letter to document my formal complaint against Flagstar Mortgage Company. I am deeply disappointed with Flagstar as a mortgage provider. I have owned a home and dealt with mortgage companies for over 16 years and the four months at Flagstar have been the worst experience Ive ever had. On two occasions my payments have been lost in the Flagstar system. This has led to harassing phone calls to me about missing my payment.

In my most recent payment issue, my XX/XX/XXXX payment was sent through my Bank Bill Pay. The payment was mailed on XX/XX/XXXX. Flagstar began harassing Robo calls to my phone around XX/XX/XXXX. On XX/XX/XXXX my check was processed and deducted from my account balance. Flagstar continued to send automatic Robo calls to my phone. I returned the harassing phone call on XX/XX/2019. I was met with a condescending phone representative who insisted that my bank had withdrawn the assets before sending the check. She did not attempt to research my request. The representative then put me on hold with no warning or explanation. I disconnected the call and called back. My call was immediately disconnected. When I called back for the third time, I spoke to a reasonable representative. She was polite in hearing my issue. However, the missing payment was still my issue to solve. I had in hand check images that showed a time stamp of the check being received on XX/XX/2019. I was instructed to email Flagstar with my check images. I followed the direction.

It further disappointed me that Flagstar did not reply to my email to even acknowledge they had received my request to investigate the location of my mortgage payment. There was no follow up communication or explanation to why my funds were cashed on XX/XX/XXXX but unaccounted for eight days more until I contacted Flagstar.

I have the corresponding images I sent to Flagstar to prove my payment was in their possession. I believe to cut costs they use a lock box, and this led to the mismanagement of my payment transaction. This is not the first incident. I had a similar experience with my first payment in XX/XX/XXXX. It was not lost in the system as my XX/XX/XXXX payment was misplaced.

How can I request to be transferred to a competent mortgage company that does not use short cuts like lock box and then automated Robo calls to harass its customers when their system caused the issue?

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 2018-10-15
Company: JPMORGAN CHASE & CO.
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:
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a fall in XX/XX/2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX XXXX, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
cra violation of my consumer protection act po report sent to XXXX, XXXX, trans inaccurate information must 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 2019-04-02
Company: CITIBANK, N.A.
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 have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX XXXX   with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-04-02
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: Credit inquiries on your report that you don't recognize

Complaint:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My XXXX are currently sueing her in court for these fraudulent activities I contacted Transunion to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really 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 2018-10-16
Company: Experian Information Solutions Inc.
State: PA
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, or around of XX/XX/. After several letters, of disputing! Experian still reporting US BKPT CT. Fr  XXXX to present? XXXX XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XXXX XXXX - XX/XX/. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/ - XX/XX/. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XXXX. No validation! XXXX, reported to XXXX XXXX XXXX, XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XXXXclaim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.

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 2018-03-24
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair Collections & Outsourcing is reporting an expired debt on my credit files. Also, the original creditor, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, no longer owns the property or the debt. 
Moreover, the original lease agreement is not signed by an authorized agent for the LLC. 
The Ledger shows that the Date of First Delinquency commenced XX/XX/2011 and continued each month until eviction was filed and writ was executed. Also, the ledger shows that a Late Fee of {$45.00} was charged the same months. 
According to the credit bureaus, the XXXX XXXX XXXX XXXX, XXXX, the original creditor, gave Fair Collections and Outsourcing the authority to handle this matter and the date of first delinquency. However, since, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, and does not own the property or the debt. I am stuck with no option but to seek recourse through the XXXX XXXX XXXX. 

. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank-PAY PAL issued me a credit card inXX/XX/XXXX or so. As part of the credit card terms, I enrolled in a card insurance protection program, that, in the event I ran into a problem paying my card in full or making payments, will cover the payments for me. I paid about {$400.00} dollars, I believe added to my card balance, for the insurance. In XX/XX/XXXX a change in my job cut off my overtime hours, and I was unable to pay for the payments, I called Synchrony bank to let them know, and for the insurance I had purchased to be triggered. After a couple of times that I was called again by the bank, for lack of payments, and I again told them I had bought insurance and I could not make the payments, they finally said that the insurance company needs to handle this claim directly. It was difficult to obtain the information to contact the insurance company, almost as if synchrony bank did not really know where this information was. So I called the insurance company and tried to file a claim with them. They rejected the claim twice, always asking for more information : more bank statements, or pay stubs, or letters from my employer showing my income was reduced etc. but it was never enough. Finally, the last time I submitted paperwork, I did not hear from them again, or Synchrony, so I assumed it was taken care of. Until it showed up in my Credit Report as a charge off. At that point, I submitted a dispute with the credit Bureaus, XXXX XXXX etc. On the bases that, where I don't dispute some of the balance-minus the fees/interest/and insurance charges-I dispute that I owe it, since this balance was supposed to have been covered by the insurance I bought. Synchrony refuses to acknowledge this detail, and insists I owe this, and all I get from them, after every dispute with the credit bureaus, is sending a last statement to my home. Nothing about the nature of the dispute, the insurance they sold to me, the insurance that did not pay them for my claim, or the fact that I have disputed this 3 times. Now they are suing me in court, by lying that I have never complained about the balance or the debt. There must be records, that they have to come up with, not me, that I called, and I asked them to close my account, and requested the information to file the claim with the insurance. I tried fixing the problem with Synchrony in a timely manner, I tried with the insurance company, i tired with the credit Bureaus, and I have done all I can to provide what I had to file my insurance claim.

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering 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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have a problem with information on my credit report and they ( TransUnion ) refuses to remove something on my credit stating it was accurate. Dr XXXX has put on my credit report that I have bad credit. Let me tell you what happen, In XX/XX/XXXX I went to see Dr XXXX, I did not like him and I didn't go back to him. Weeks later I recieved a bill, I had call Dr XXXX and told them I had insurance and ask them why they did not file to be paid , Dr XXXX nurse told me I had to file for it for them to get paid! I never heard of such any time you go to the doctor they file for you, so they can get paid. I as a consumer did not know how to file because they use XXXX codes to get paid, I called the nurse back and she told me she didn't have the time to file for me and that I needed to learn how to file and hung up on me. I again called the office back and she again told me the same thing and hung up on me. How this is on my credit report and I want it remove. I contacted TransUnion file a complaint and it took 1 month to investigate this matter and they told me it was accurate, this isn't fair. A clinic visit is now {$900.00} and I'm being called everyday three and four even 5 times a day screamed at talked to like a dog. Because his nurse refused to file my insurance, now they have change the date so it was XX/XX/XXXX and now they are saying XX/XX/XXXX. TransUnion is not being fair they gave the people my phone number to call me and harness me. It all started with XXXX XXXX. How do I file a charge against them for doing this to my credit and 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
Consumer complaint received 2020-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX and XX/XX/XXXX I'd called Tidewater Finance Company three times to inquire about information posted on my credit report. I'd provided them with my current address ( over 5 yrs here ) in order for them to send me paperwork. I'd sent back the competed documents. I have since written them five times, requesting that they validate the account in the amount of {$3600.00}. However, with my proof of address ( during the time of account opening ), police report and valid drivers license, that Id provided, they have altered the original address and creditor that was noted on the account. 
I've sent five letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting that their office validate the above account by providing evidence that I have any legal obligation to pay. With each letter I have requested a list of validation documentation along with a copy of a signed contract, to no aval. I have received only a paper dated XX/XX/XXXX that is titled Payment History with blacked out details ( i.e. address, phone number, birth date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BMW Financial Services NA, LLC
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: Problem with personal statement of dispute

Complaint:
BMW Finacial was contacted to submit payment the representative that assisted told me the exact amount and date that the payment was due. I submitted payment on that date! They stated that payment was due prior but a representative on a recorded line explained in detail the date. I now they have reported 30 day late and that is inaccurate! I have requested removal and they are not willing to help or pull recorded conversation. I have never paid past 30 days and due to the inaccurate information provided by BMW rep I now have a problem for the month of XXXX and XXXX. I was also told that a partial payment of {$500.00} was acceptable and I would not be reported since I was also making the {$97.00} on the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Collection with Florida Dept of Revenue is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering 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 non-monetary relief