BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE 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 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/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: TN
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 do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi.begining XX/XX/2019 i applied for first time home buyer and I did choose Bank of America because of her special, low down payment government grant plus plus, ok so far so good.first home I found took one month to decide either the bank will approve the loan or not finally the answer is NO the reason is HOA insurance policy ok I have to look for another home, on more month I found another home ok I applied for it same bank same loan officer. After on more month nothing worked out denied again HOA policy against the bank rules, ok the lender told me, you have to look for third unit yes  third, and this time it s gon na be faster and easier, well I dont have choice, by the way those searches for home cost me {$6000.00} and 6 months, so the third home as of today XX/XX/2019 still not have final decision I dont have place I m staying in hotel very expensive and the worst thing is the bank of America switch their initial offer from conventional loan to an FHA loan on the top of that I LOST all special yes, all help for first time buyer, government grant, and I have to pay mortgage insurance totally unfair after 6month you loose your time your money and all the grants from the government,,, please need help l have other infos and proof that my application was full of wrongdoing

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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage refinance online through chase. After completing it stated a representative would call me. My information entered shows around 95 % financed. I entered this information prior to speaking to an agent. The agent then called and spoke with me over an hour. Prior to pulling my credit chase knew I didnt qualify due to an XX/XX/2020 decision to only accept XXXX credit scores and 20 % down. I have XXXX credit score and only 5 % down. Chase knew I had only 5 % but continued to proceed without telling me I didnt qualify. Then chase pulled my credit conforming I had XXXX credit. The agent then put me on a series of long holds and then informs me I dont qualify for a mortgage because I dont have 20 % down. Again a hard inquiry on my report. Chase knew I didnt qualify and intentionally harmed my credit by pulling my report. Again, the issue isnt my credit score but the amount or percent financed.

Chase executive office is stating I dont qualify due to credit but this is false. I dont qualify due to 20 % down that chase saw before pulling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. 

I recently requested the validity of Collection Bureau accounts thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also 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 an account without my written instructions. It is my understanding that Collection Bureau reports the same information to all credit bureaus as expected under FCRA, if this is true for about the 6th time I am requesting the information below and ALL the information that was provided to Equifax These are the accounts reporting on my report XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXXXXXX XXXX XXXX - {$50.00} - XXXXXXXX XXXX XXXX - {$71.00} - XXXXXXXX XXXX XXXX - {$130.00} - XXXXXXXX XXXX XXXX - {$170.00} - XXXX 1. Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2. Provide a 1099c for each account since this account was originally charged off, 3. Provide the original signed contract with Collection Bureau for each account, 4. Provide HIPPA documents with my original signature for each account, 5. Provide collections license number, 6. Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida for each account, 7. Provide information referencing this account was either purchased or collecting on the original account holders behalf. 

XXXX and XXXX has deleted these accounts. Why does Equifax insist on reporting these accounts on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several complaints via CFPB about Experian, XXXX and XXXX. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.

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 2015-12-20
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving many calls from numbers I did not recognize. It is an issue in the fact that at times they did not leave a message at all and others, the voicemail that was left did not have anyone talking to me, just noise in the background. On the instances that I have answered any of these calls, the caller recited that it was " a recorded call and an attempt to collect a debt, '' in which I responded by requesting that they stopped calling. These calls have not stopped. I have received them at all hours of the day, sometimes back-to-back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: ACS Education Services
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has either been hacked terribly or their customer service is at an all time low. They have had all sorts of system problems with payments from bill payment services. My payment has not posted in 5 days and I am being told by their customer service that it will be the XXXX until it is fixed which is 4 more days from now. My is online information is blocked because it trying to collect a payment ( That they have lost ) which leads me to believe they have been hacked. All of customer service has been told to say the same thing and all transactions with their credit cards ( I assume that use bill payments ) are bring denied which was terribly embarrassing to my wife in the store. I am hopeful this is only effects the bill payment customers. Everyone should check their accounts to see if they have been affected. This is horrible customer service and I can not believe they have shut our credit cards down and online information when they have my last payment but I guess can not find it!!!!! If they have been hacked they should tell the customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called XXXX and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : XXXX  keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with Experians And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.

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 2019-02-21
Company: Convergent Resources, 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:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

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 2016-04-26
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company has not been apply payments correctly for their advantage, has stopped mailing paper statements without any notification, and falsely attempted to charge our account with late fees due to some computer glitch on their end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint regarding transparency of billing statements. Billing statement does not include : Property Description, Interest Rate, Minimum Payment Due. Billing statement is not generated in advance of due date. For example ; Billing statement as of XX/XX/2022 was not generated until XX/XX/XXXX with a due date of XX/XX/2022. Billing statement as of XX/XX/2022 was not generated until XX/XX/XXXX with a due date of XX/XX/XXXX. As I write to you today, XX/XX/XXXX, my minimum payment is due today yet my XXXX billing statement has not even been generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Wilson, Riley & Associates
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never received any paperwork on this debt by mail. 

The collector failed to state : " This is an attempt to collect a debt, any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone, including my ex wife and co-workers. 

In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number, misrepresenting themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: National Credit Adjusters, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company National Credit Adjusters has repeatedly contacted me despite requests not to do so, from a number that is masked on caller ID as a different number, claiming I owe a debt that they can not/will not verify in an official notice. I have received unofficial email notices claiming I owe a debt around XXXX dollars or XXXX dollars, representatives on the phone say I owe north of XXXX dollars. The debt amount changes with every different contact, and they still have not sent a notice to me to date despite me asking. This company operates in a way that I am convinced this is either a scam or the most unprofessional agency I have ever dealt with. I would like someone to help me straighten this issue out because the company and I can not seem to hash anything out at all, and they have threatened legal action despite not providing any paperwork that I even owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for accounts - XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide.

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