BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.

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 2020-02-13
Company: ONEMAIN FINANCE CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello CFPB Complaints Team, It was brought to my attention the disadvantage One Main Financials have created. 

Due to medical hardship and direct family obligations, I had to take a personal loan from One Main starting  XX/XX/2017. Whenever unable to make ends meet by paying other financial obligations for relatives, I would contact One Main. 

Currently I have a 60 month plan - paying $ XXXX/month. 

This totals to = {$18000.00}. 

As reported on my credit report the principal of {$9400.00} is projected to equal or meet the finance charge assed by maturity. ( {$8900.00} ) Why is there a company compounding interest in such a matter? The debt to income crisis will continue under such leadership.

Ive tried to refinance with One Main recently in hopes of lower my monthly income. Instead they offered another withdrawal. 

Currently have not missed a payment since 2017 and paid close to the full principle. There is immense pressure to cover these inflated expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to 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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My taxes were filed with my tax preparer and were planning to be directly deposited into my checking account. once the day came the money was supposed to be deposited and it was not, my tax preparer and myself realized the wrong account number was put on my tax paperwork knowing this we called Chase and  also called XXXX XXXX XXXX, my tax preparer bank, and had every one on a conference call to let every one know that my income tax check has been deposited into the wrong account and it needed to be fixed and doing so Chase requested that XXXX XXXX XXXX send them a recall for the money. XXXX XXXX XXXX did so XX/XX/XXXX and multiple times afterwards also sent a recall for the funds on XX/XX/XXXX and a few other times afterwards. Chase refused to acknowledge the recalls for the funds and whoever 's account the money was in has spent my money even though Chase had everything they needed to recall the money and send it back. also I am a little confused on why Chase allowed my income tax check with mine and my husband 's name on it to be deposited into an account that had a completely different name birthday social security number and everything I have spoke with a lot of different departments at Chase and they all tell me the same thing there is nothing they can do the money has been spent but I honestly feel like they should pay that money back or the person who spent it should be notified it was not their money. Because XXXX they stole my money. Many their account should be closed or have to pay my money back. when I get to the higher up department at Chase they are very very rude and act like they are annoyed with me. very unprofessional so my money has been missing since XX/XX/XXXXand Chase has done nothing to help me get my money back it was over {$6000.00}. They had what they needed intone to refund my money. They did n't do what they were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: UT
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:
Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new?

No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..

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 2017-07-12
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: Public record information inaccurate

Complaint:
Although XXXX and XXXX have deleted an old tax lean from 2012. Equifax has not complied with the new law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required un-der the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who veri-fied these accounts?

You have NOT provided me a copy of ANY original documentation required under Sec-tion 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX # XXXX DEPT OF  ED/XXXX # XXXX XXXX  # XXXX XXXX  # XXXX Also I have received a statement claiming that I owe a debt to XXXX # XXXX and that some 3rd party collection company was handling the account when the alleged company never verified this account. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin. 

I AM A XXXX AND THIS FRAUD IS HOLDING BACK FROM CONDUTING BUSINESS TRACTIONS.

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 2017-07-13
Company: Monterey Financial Services LLC
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:
On XXXX XXXX, 2017, Monterey Collections Sv. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a freeze be placed of my XXXX XXXX, XXXX Sage Stream file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
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: Information belongs to someone else

Complaint:
Hello, I have uploaded documents to and my credit report because Ive been Trying to work and get thing off my credit that is not mine I didnt give anyone permission to use my name number address our social security card to anything with as of now its out of control I cant get any type of credit I have names on my account that shoul not be on my account I have credit-card, cellphone bills, cable bills, address credit inquiries its out of control I have documents that I have uploaded and I have more that show only name should be on my account is the one in the document I provide

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is Convergent Who collects third party debts, they repeatedly calls my husbands phone, which is a work phone number. I called them back on my private line, said they were asking for my son. I know he's owed a XXXX bill, but he is XXXX and is unable to work, at the moment. I demand PER the FDCA, that the phone calls be stopped INSTANTANEOUSLY!!! they don't leave a message when they call either. This number is my husband 's BUSINESS PHONE NUMBER. So LEGALLY you do NOT have the right to contact my husband 's job, for my son 's bill!!! You will be getting a cease & disest letter in the mail, if you keep contacting that business line. I will sue you for harassment. 

.

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is failing to remove the inquires Please see attachment below. 

XXXX have also re inserted an account that was removed and failed to notify me violating the law. 

Trans Union is also re inserted an a count that was removed and failed to notify me violating the law. 

Please see Documents below

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 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a dormant account with Bank of America. Bank of America continued to charge monthly maintenance fees until the account was empty. After the account reached {$0.00} balance, Bank of America charged maintenance fees rather than close the account - leaving me with fees to be paid. Bank of America has threatened to send to collections for payment of fees rather than simply close the account when the account ended at {$0.00}. I contacted Bank of America at XXXX ET on X/XX/2017. Bank of America Representatives transferred me to a department and I was disconnected.

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 monetary relief
Consumer complaint received 2017-07-13
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:
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in  XX/XX/XXXX .        
The company   XXXX   XXXX   XXXX   XXXX  , which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report   XXXX   2015 and  XXXX  2015 with Transunion,  XXXX , and   XXXX    credit reporting agencies.
         XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2020-02-13
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 status incorrect

Complaint:
I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that  they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: SC
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 tried several times to have the issues corrected and so far nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL
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:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: NC
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:
It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Account Resolution Services [ referred now as : ARS ] about a delinquent Medical Bill supposed incurred from 'Paragon Contracting '. When I asked 'what Doctor ' or 'medical service ' that XXXX represented, the response on XX/XX/21 was only, XXXX Contracting '. The letter also reads : ( NOTICE : SEE REVERSE FOR MORE IMPORTANT INFORMATION ) however, the reverse is a blank page. 
The recent contact by XXXX requested I 'settle ' a non-existing, 5 year old bill, by asking me to pay them 1/2 the amount to 'settle '. They use the Credit Report Agencies to shake people down forcing us to pay or else have ruined credit. 

When investigating 'Paragon ', the XXXX shows over 120 complaints regarding their demand for payment of non-existing services. 
ABS, their 'Bill Collector ', has over 6,000 complaints with CFPB, alone! 

It seems apparent that these two work together to form a Medical scam and use ruined credit to extort monies from those vulnerable. 
How many complaints does CFPB need before action is taken?

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