BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: Performant Financial Corporation
State: NY
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:
By the XXXX of XXXX, I ; Man deny that this is my account and if it is my account, who is the Man verifying that I owe this debt. I acknowledge this account was established without my Knowledge and I have no contractual agreement with nor received any services from Performant Recovery. Please cease and desist this collection activity. ftc and police report attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a transfer through Western Union on XXXX XXXX. I was never given a MTCN to give to the recipient of the money. I called to get a MTCN and was given the incorrect number on XXXX XXXX. When it was discovered that it was the wrong MTCN, it was too late to send the money to the person. I was then offered a refund and was given a new MTCN to use to pick up my refund. I then went with my ID and new MTCN to 4 different Western Union locations to try to receive my refund. I was turned away at each location and was told that I had to call Western Union to figure it out and that they could not find my transaction. When I called Western Union back they said that everything was fine and that I just needed to go pick it up. Seems like theft to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had ask Fifth Third Bank on XXXX in XXXX XXXX Florida, to close out my account because I had a lot of unauthorized stuff coming out of my account. I went and talked to XXXX in that branch in the end of XXXX of 2010 she was very rude and would not close out my account she gave me no expiation of why she would n't. I had money going into the account every week but they would take out the debts first and then the credit the check. Which caused us overdraft and then they charged all these fees. These XXXX things not closing out my account and take out debts before crediting my checks that went in automatically. Fifth Third Bank charged me {$1500.00} in returned item fee because the would n't close out my account and {$570.00} in overdraft fees. This was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-15
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: Was not notified of investigation status or results

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed several accounts on my Trans Union credit report that does not belong to me XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX ... XXXX XXXX of 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 ... 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 noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Toy XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2020-01-15
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 - debt collector calls and informs me that are sending me the debt collection information to my previous address. I give them my updated address and not to call me again and that I will mail them with my questions, once I receive the letter. 

XX/XX/2020 - debt collector calls and informs me that sent the information to my previous address. They are impersonating a lawyer and that they will be pursuing legal options. I informed them that I have already provided my new address. Debt collector informed me that they are updating the address on their end and will be sending the information out again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: Franklin Credit Management Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Franklin Credit Management is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Before my loan was acquired by Freedom Mortgage, XXXX was collecting escrow from me without paying the state. At the end of the year, I was sent a check from XXXX with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which XXXX mistakenly did not pay ). I never paid escrow again to XXXX mortgage. 

While I was fixing the problem, my mortgage just happened to be sold to Freedom Mortgage. Freedom Mortgage paid my property taxes, without any money in my escrow account. They paid the state a much larger and very incorrect amount which they are now basing my escrow analysis on. 

I 've recently received an updated Escrow Analysis which incorrectly states the total {$1800.00} as a COUNTY TAX. If your team had read my previous e-mails above or listened to any of the previous recorded calls, you would know that the Tax Correction form states a total of {$740.00} as a county tax. Your incorrect escrow analysis states that my monthly payments due will increase from {$470.00} to {$1100.00} starting in XX/XX/XXXX. This is a monthly payment that will be extremely difficult for me to afford. 

This is entirely a problem created by both XXXX and Freedom Mortgage. XXXX failed in setting up my escrow account after I closed on my home and then sold my mortgage to you while I was in the middle of fixing the problem. Freedom Mortgage has repeated failed in fixing the problem and you have continually dragged your feet in getting the job down quickly, to the point where now you are stating that my mortgage payments will increase by 135 % This has been an ongoing issue since XX/XX/XXXX. FM 's customer service department appears to be clueless to the situation when I call, missing e-mails, attachments, and facts from previous calls. Every call I have to re-explain the situation and am given no solution but to either call back another time or re-send a previous e-mail. I am simply trying to pay the CORRECT escrow amount without going bankrupt.

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 2015-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ... 
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation. 
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am an identity theft victim and someone has opened accounts in my name. Im trying to get all of the fraudulent accounts removed from my credit reports. I sent a notarized letter on XX/XX/XXXX by certified mail with USPS return receipt required. Experian did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Experian on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Experian has ignored all XXXX letters. In the letter of XX/XX/XXXX, I demanded that Experian provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Experian has neither removed the debts from the credit report nor have they sent me written proof of the debts they report. It should be noted that I thoroughly proved my identity when I went the letter dated XX/XX/XXXX. Accompanying the XX/XX/XXXX letter, I attached a legigble copy of my driver license containing my current address. I also attached my social security card.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX  is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Unknown actor applying for credit card by stealing my identity. Unknown trans unionXXXX credit card application. 

Unknown applicants additionally accessed my XXXX account at XXXX XXXX and purchased phones on my account without my authorization.

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 2015-09-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX   XXXX  {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}

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 2020-01-15
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} ), with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away ( Saturday  XX/XX/XXXX ) at ( XXXX ) XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday  XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.

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