BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency reported a collection account for a medial bill from XXXX XXXX XXXX to the Credit Bureaus in XXXX of this year. However they did not send me the initial notification of the debt until a letter dated XX/XX/2021. This did not allow me the opportunity to either verify the debt not take action regarding it. when I called them after receiving the letter in XXXX, I spoke with XXXX XXXX, and she informed me that they sent me letters on XX/XX/XXXX and XX/XX/XXXX. I never received said letters, and when I asked her to send me copies of them she refused. I do not believe the mailed any letters and are, therefore, out of compliance with applicable Federal law including FCRA. I therefore demand that this report to the credit bureaus be completely removed, and that I be given time to investigate and if necessary pay the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the loan on my XXXX XXXX XXXX with Chase Bank almost 2 to 3 years ago. Last summer I learned that Chase Bank hadn't given me the title to my vehicle when I went to sell it. I've been trying to work with the bank to give me the title for my car since XX/XX/XXXX. During this time Chase Bank has made no progress on getting me the title to my vehicle. In the meantime I'm losing money on the XXXX XXXX, as I have to pay insurance and maintenance on the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the process of correcting errors found in my credit report, I found a lot of incorrect addresses and names. I sent dispute letters to all three credit bureau to fix the issue. XXXX and XXXX fix the incorrect information right away but after several attempts and proof of my right address, Experian has refused to fix this issue. The main reason in my personal opinion why Experian does not want to fix and update this information is very simple, the old accounts are attached to those addresses and names, if they where to be deleted, the old account may also be deleted. So, in turn, you will no longer be tied to these accounts and get a better 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
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 called customer service with TRANSUNION on XX/XX/21 to remove fraudulent inquiries. Representative told me to file an FTC. The FTC website redirects me to file a complaint/fraud with Consumer Finance.gov. I tried to explain this to the TRANSUNION rep whom did not understand. I spoke with a FTC rep who confirmed that my type of complaint goes through Consumer Finance. My file number with TRANSUNION is XXXX. TRANSUNION has failed to provide documentation that these inquiries belong to me Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). This is causing serious hardship in the mist of COVID-19. This has caused serious problems and hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Prosper Marketplace, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In more than 10 years Ive never been able to get a loan here. Now twice a day Im getting loan offers, becoming a nuisance. Temptation to lower my credit score knowing a denial is inevitable.

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 2021-09-29
Company: Experian Information Solutions Inc.
State: PA
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 dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.

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 2021-09-29
Company: EQUIFAX, INC.
State: VA
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:
Equifax sent me a letter ( which is attachec ) where they advised they are not doing any further investigating into the accounts listed on my dispute. Under FCRA I have the right to request the credit bureau furnish proof of the accounts being falsely reported to my credit report for accuracy. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting teh credit bureau furnish these documents - as this information is not valid - I have not signed contracts with this companies. This letter is their denial of what is my right legally and they have exceeded the legal time frame to provide it. 

I have attached a notarized authorization for them to speak with you to resolve my complaint, a copy of a bill, US Passport and the last letter that was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Associated Credit Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We were deliberately misled by US Bank about the amount of time required to fund this loan. The loan originator -- despite his failure to " recall '' this -- told us that the loan process would be completed within 30 days. We scheduled a real estate closing and renovation start based on his misrepresentation. The loan process was initiated on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and there still is no word from US Bank on whether the loan has been finally approved.

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 2021-09-29
Company: ENOVA INTERNATIONAL, INC.
State: CA
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:
Net Credit is reporting negative information on my credit report in the amount of {$3500.00} which was opened XX/XX/2017. I have disputed this account and requested they send proof of how this account was validated showing my ownership and agreement to this debt. However they have failed to validate this debt with proof. I am requesting the removal of this debt from my credit report, because it does not belong to me, and its illegal to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CMG MORTGAGE, INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinanced my home with XXXX XXXX in XXXX of 2020 and XXXX sold my debt to CMG financial in XXXX of 2020. I was notified via email and I followed the steps to set up an online account with CMG. I made the first payment ( XXXX of 2020 ) over the phone with CMG and I elected to enroll in autopay and electronic ( email ) correspondence. I was notified in XXXX of this year by my original loan writer that CMG reported me as not paying my mortgage for the months of XXXX, XXXX, and XXXX of this year -- I was not personally notified by CMG about delinquent payments. I logged onto the CMG website and my login information which had once worked, no longer did. I called CMG and spent hours over the phone with several ( rude ) customer service representatives and IT personnel who eventually told me that there was an issue with my username not connecting with my account. Once this problem was solved, I immediately paid the delinquent debt and late payments. I subsequently enrolled in autopay for the following two months and, due to glitches, payments didn't go through properly ; so I had to manually make payments ( all of which occurred on time ). I am now enrolled in autopay and electronic correspondence, both functions currently work appropriately. This mishap destroyed my once stellar credit and CMG refused to connect me with anyone of any authority in their company to hear my situation and try to resolve this issue. Ive had a long email correspondence with the office of the CEO at XXXX XXXX and they did their best to help communicate with CMG, however, CMG still refused to speak with my directly and eventually concluded that there is nothing more that could be done and they could find no records to validate my claims, and they even went as far as to say that I, " never attempted to contact CMG regarding this issue '' -- a complete lie. I had stellar credit prior to this, no history of delinquent debt, and no financial hardship during this year ; yet, my credit has been destroyed and I feel that much of this was out of my hands and the fault of CMG. I am asking that something be done to remedy this situation and restore my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Receivables Management Partners, LLC
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:
I have been disputing this account for some time now with RECEIVABLES MANAGEMENT ( RMP ). I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BROKER SOLUTIONS, INC.
State: MD
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:
2. XXXX/New American - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Through a nasty divorce, I was awarded the family home which was in serious default. My ex ceased making pmts XXXX. I was out of state due to my father 's death ; my ex started drinking heavily ; and landed in jail for 5 months. I filed for divorce XXXX & the judge restricted my ex from the house. I was living with my son for personal safety. The house was vacant XXXX - XXXX when I moved back in after being awarded the house in the divorce. I first went to HUD in XXXX to work with a representative on how I could keep the house. In XXXX XXXX, I tried to reach her and found out she was no longer there! At that same time, US Bank assigned a Relationship Mgr to be my point of contact while requesting pmt relief/modification. XXXX, I was assigned another Relationship Mgr! Since XXXX, the only communication from either of these XXXX Relationship Mgrs has for me fax the same documentation that I have faxed numerous times before! No one will tell me the status ; what the next step is ; nothing! And then when questioned, I was told US Bank will not put in writing the process or time frame! And now I find out I have to start the process all over again because I did not receive a packet the Relationship Mgr was to send me in XXXX XXXX and never returned my calls letting her know I had n't received it!! I have even rented out XXXX bedrooms in the house since XXXX as well as the shop! And have provided over & over again proof of this by way not only bank statements but copies of the checks! The interest rate is 8.9 %! 
I need to be able to speak to someone that can help me. I have done everything they have asked of me and I ca n't get any of the same courtesy back. If they are n't willing to help me, then they need to let me know so I can go on with my life. It 's the not knowing that has added for much stress and it 's effecting my health. Can you imagine living in fear that XXXX day there will be a knock on the door and being told you have to vacate? I live with this daily and my boarders ca n't sign a long term lease because I DON '' T KNOW WHAT IS GOING TO HAPPEN! I truly believe you are my last resort. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX  Shows balance of {$530.00}

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 non-monetary relief
Consumer complaint received 2022-05-04
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX we ordered four XXXX from XXXX. We were instructed to wait until all of the phones arrived before we go and activate them. The first three phones arrive and then the last phone never arrives. We reach out to XXXX to see where our fourth phone is located so we can proceed in activating them and are in instructed that our account has been locked for fraudulent account activity since we haven't activated the phones. Mind you, we were following the instruction of the XXXX associate. We finally receive the fourth phone in mid XX/XX/XXXX and proceed to the store to get the phones activated. We then find out that our numbers will not port into their system ( which should have been a step the XXXX associate confirmed before any phone ordering happened ) and determine that we are no longer interested in XXXX service. We work with the XXXX store manager to receive a full refund of all of our charges since none of the phones were used and were returned in unopened boxes. I have all of the receipts that show this credit. I assume everything is in good order and receive no further communication from XXXX. Fast forward to XX/XX/XXXX, I receive a bill from XXXX claiming I owe roughly $ XXXX when I have returned every phone and have all of the receipts indicating my account has been credited in full. I have been working with a customer service associate at XXXX and she has continually confirmed that this balance is not accurate and I in fact do not owe anything to XXXX. I can also provide documents of all of that communication. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
I am requesting as a XXXX XXXX and Veteran of the XXXX XXXX XXXX, in the spirit of good faith, customer service and appreciation of my service to the country, that the outstanding balance be waived and forgiven and all collection efforts be ceased and not resumed on account ending in:XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon checking my credit report I seen so fraudulent account and inquiries on my Transunion report. I tried to get items with FTC and police report but Transunion is still reporting this false 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 2020-04-06
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:
I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

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 2022-05-04
Company: TD BANK US HOLDING COMPANY
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:
About two months ago a XXXX  card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18
Company: Metro Area Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX put me into collections by mistake 1 year after debt was paid in full. I was reassured that it would be removed from credit bureaus over 15 months ago. Ca n't refinance home due to their poor accounting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation