BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}XX/XX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX , XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX, Acct # XXXX XXXX XXXXr, Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX - XXXX, Acct # XXXX XXXX  - XXXX, Acct # XXXX XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that the consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2017-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AR Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had a XXXX XXXX XXXX XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was XXXX XXXX  inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Convergent Resources, 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 am a Military Vet with over 10 years service to my country. I became XXXX  in 2016 for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company 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 2019-04-12
Company: CITIBANK, N.A.
State: FL
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:
Credit Card Companies wont defer my payments. I am a victim of government shut down.

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 2021-10-23
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XXXX my mortgage company NewRez LLC paid insurance premiums to XXXX XXXX which is not my insurance for my house. NewRez said i must have authorized it, which was a lie. I called XXXX XXXX and found out it was not even my address or name on the account that was paid. They have returned the money to NewRez and both are saying it is the other ones mistake of course. The money has been cashed by NewRez but still waiting for them to put the money back in my escrow account. I do not want this to happen again or to some one else. I have been told it is my fault figure it out. I have tried and just want some one to explain how it happened and do not let it happen again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: VA
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 am a paying member and the score on site is not the score given to lenders who request you credit report the score given is much lower than what s posted I am paying member XXXX for three reporting agencys

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 2022-03-10
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: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXX entered into a lease-purchase agreement with a minor child who is a distant relative in my name. They did not ask for my Identification or make any effort to contact me to verify that my information was authorized to be used in this transaction. They did not even check to see that a minor, XXXX XXXX had in fact signed under my printed name and that the initials didn't match my name. He was under the age of XXXX and in no way had the where with all to be a participant in this transaction. Clearly the initials and signature don't even match on this " executed '' lease-to-purchase agreement. This company violated my rights and has caused me grave financial consequences as I am in the process of purchasing a home and this has damaged my credit score because this company illegally entered into this contract.

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 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 Capital One closed my account, after 21 years of business, for NO reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have reason to believe that a family member is illegally forwarding my mail to an address that is not mine and is using my accounts to deposit large sums of money into my account without my knowledge. I opened an account with U.S bank back in XXXX to use for my XXXX accounts. I do not know the account number but my social security number is SSN # XXXX My name is XXXX XXXX and XXXX XXXX XXXX XXXX, FL XXXX is the address I had at the time of opening. 

I was under the impression that all accounts where closed under my social security number until I recent received correspondence from U.S Bank notifying me that they where aware that " Usps my change of address '' submitted and will update " My Accounts '' with my new address. I shocked to realized that account where still open under my name. Can you please close all accounts under my name and send every single statement for my account for the past XXXX years as soon XXXX possible. Please send all correspondence to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-03-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX kept making double charges on my account as a miscellaneous adjustment. Then I made a large sum of payment to pay off my balance completely to the charges I made, then the double charges they made was left. I never paid interest because I made my payments in full and on time. Then they told me I had {$830.00} more dollars to pay that they created by double charging my account. On XX/XX/21 they charged my account {$1400.00} as a miscellaneous adjustment. I want XXXX to reimburse me the amount they adjusted because I overpaid and they owe me money. They closed my old account and opened I new account without my permission. My husband and I pay all our credit card in full each month to avoid interest. If for some reason we miss a payment we call right a way and pay. They usually give back our late fees because we are excellent at paying on time. Now my credit is messed up because of pay pal. Please help me. They are very unresponsive and sometimes they hang up the phone when you call them.

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 2017-11-02
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX, XXXX, I tried to get my FREE credit report from Experian and was given the following message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX I sent the Request Form by US Mail on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX have yet to receive my report. Attempts to contact Experian have been fruitless since they apparently provide no telephone access except to purchase a report, not to obtain the status of a requested report. The form I sent in states my request should be processed within 15 days and then mailed to me. It has not ...

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 2017-11-02
Company: EQUIFAX, INC.
State: WI
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:
I am disputing an account on my Equifax credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XX/X/2017, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Equifax continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Equifax said in their own words that information was supplied from the creditor and I quote " Equifax supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Equifax always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else Equifax is hiding, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: MN
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:
The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX  for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX  XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has sold a debt of {$770.00} to SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX The debt or bill is not accurate. 
I have reached out to XXXX for a breakdown of the debt or bill but they said they don't have the breakdown in their system. I disputed it on my credit report, it was removed and they have put it back again. 
I went to one of their branches and also called their customer service line for the breakdown of the bill but as I said they told me they don't have the breakdown. How can I own you if you don't know what the bill entails? 
I want XXXX to desist from selling this debt or bill to these collecting agencies if they can't provide me with details of the bill. Also I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: MARINER FINANCE, LLC
State: TX
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:
Mariner Finance illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Mariner Finance.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Receivables Management Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a federally protected consumer and Receivables Management Partners LLC has violated me under the provisions of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation