BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. XXXX, XXXX and Transunion, before the account became a charge off, my credit limit was {$2500.00} and as of today, XXXX XXXX is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe XXXX XXXX {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX  XXXX. I do not find it fair or correct that XXXX  XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-08-20
Company: TekCollect Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collector is trying to collect on a service that was paid by my dental insurance company in XXXX of 2021. I did pay the co-pay the day of service and service was processed through the dental company and was rendered same day. I have disputed this inaccuracy multiple times. The collection agency just removes temporarily and puts it back on my credit report under a different collection agency with a very similar name each time i dispute it. it is also reporting as an open 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 2022-12-21
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar performed on the XX/XX/XXXX an escrow analysis, their analysis was wrong done, it assumed on the XX/XX/XXXX that the escrow balance was at {$1600.00} but that was clearly incorrect, as of the uploaded document will show, there was a payment made on the XX/XX/XXXX with {$1200.00} paid to escrow, making the escrow total at {$2800.00} and not as their XX/XX/XXXX escrow analysis shows. Based on their intentional or not miscalculation it now puts our account on shortage status of {$820.00}. 

Nationstar new analysis has a minimum of {$2400.00} requirement for XXXX, wrongly calculated, when the escrow balance at the time of the analysis was {$2800.00}, and in that scenario a cheque of {$440.00} would have been sent out instead. We believe that this was intentionally not analyzed per well defined rules that regulates loans with escrows so that a cheque would have to have been sent out. 

Provided statements of payments shows a XX/XX/XXXX escrow payment that was left out of the latest analysis and the XX/XX/XXXX mortgage statement correctly shows escrow an amount of {$2800.00} as of XX/XX/XXXX when the supposedly analysis was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I bought appliances from XXXX on XXXX  months same as cash. The Bank who services their accounts is Synchrony Bank. A few months went by with no problems. Then in XX/XX/22 and XX/XX/22 I received a text that they had not received my payment. XXXX had sent them the payments electronically. They had me go to the bank and obtain documentation that they had sent the check. I submitted the required documentation. They accepted the documentation from XX/XX/22, but not XX/XX/22. They placed a comment on my credit report and then removed it. I produced additional information and they sent me a letter that they had reversed the decision and accepted the documentation. Everything seem to be going well until I saw they added the 2 payments to my statement, but deducted 3 more payments. So they were stealing {$670.00} from me. I called and one man tried to tell me he did the math and the balance was correct. After I told him the math was wrong he then transferred me to a supervisor. She explained they add the payment provisionally then decided to take it back. She couldn't answer to why that happened or what to do about it. She told me to call the CEO. She said she could start another payment dispute case to which I agreed. I am willing to pay off the balance and get them out of my hair. I am unwilling to pay the additional money they are trying to add that I already sent 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
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:
Account on my credit report that I have no knowledge of its Reporting as a charge off with a balance as well this is hindering my credit profile and effecting my credit worthiness

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 2022-08-23
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: AL
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 : 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. 

On XX/XX/2022 I requested a copy of my written permission that I gave to each credit agency and they sent me a response stating that I have previously, disputed these items. That is NOT what I requested. According to the law above, each credit agency has violated my consumer rights by not being able to provide a copy of my written instructions.

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 2022-09-26
Company: CarMax, Inc.
State: NV
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 bought XXXX XXXX from Carmax in XX/XX/2022 for {$22000.00}. XX/XX/2022 someone collided with me in traffic and caused {$34000.00} in damages and the car was totaled by XXXX XXXX. During the time of settlement on this claim Carmax noted two late payments on my credit report. Since they were paid in full in less than five months of financing said vehicle the need to place late payments on this account was unnecessary cruel and has caused and continues to cause undue harm to my ability to finance another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX XXXX sent an email rather than a letter through XXXX XXXXXXXX XXXX of an attempt to collect a debt not owed. I called the company and informed them that I do not owe this debt and have correspondence with their client that I disputed these false charges. The rep was not helpful and did not care. 

XXXX XXXX has never sent me any notice or communication via XXXX XXXX XXXX concerning this account after I disputed the charges via email in XXXX  XXXX XXXX has also no responded to any communications from me concerning this debt. I do not owe XXXX XXXX {$950.00}. My due process as a tenant in the state of XXXX were violated when no communication was received after I disputed the charges. 

Concerning Hunter Warfield, if I had not checked my spam email folder, I would not be aware of this debt. As of XXXX, I have yet to receive a notice in the mail. If Hunter Warfield does not cease collection, I will have to name them as secondary defendant in my small claims court case filed in XXXXXXXX XXXX against their client, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Commonwealth Financial Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted in XXXX by XXXX XXXX via phone regarding a past due medical debt to XXXX XXXX XXXX in XXXX, KS they claimed I owed from XX/XX/XXXX. The only information regarding this company I have is their phone number, XXXX, although XXXX lists their address as XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX ( see below ) could not provide that information so it is not verified, just their phone number. I was not seen by that facility in XXXX, although I did call them to verify this as I knew I could have been mistaken. I called XXXX XXXX back and explained this was not my debt. The agent refused to believe me and rudely told me something along the lines of 'Then how did they get your information '. For clarification I've been a patient at that hospital several times, the first being in XXXX. I have never received anything in the mail or in writing from XXXX XXXX, could not get them to give me their address, and had not heard anything since then from them. 

Today ( XX/XX/XXXX ) I received an alert there was a collection on my credit report from a company named Commonwealth Financial. I have not received any previous communication from this company. I called the number listed at XXXX ( XXXX ) and was told their creditor was XXXX XXXX. When I asked why they had not previously contacted me before placing a collections report on my credit reports I was told they tried to email 'The address they had on file ', which was an email address that is not mine. I explained this was not my debt and their customer had been told this was not my debt, and told them I wished to dispute the claim. 

Commonwealth Financials ' information is XXXX XXXX XXXX, XXXX XXXX, PA XXXX I would like to report both agencies, XXXX for XXXX hiring a second company to mask an attempt to collect a debt they were aware was fraudulent, and Commonwealth for filing a collection on my credit report without contacting me prior or providing any invoice or statement. Claims they don't have my contact information are obviously false as their customer has contacted me previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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

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 2021-03-02
Company: ClearOne Advantage, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I had a debt consolidation program but I was confused about the program because I read on this site that you had a number of problems over the years about these companies, but I had to get rid of the company because it was just a slow process and before they payoff the companies that were in the program they would take payments out of my checking account, I BELIEVE THEY TOOK OUT XXXX EVERY TWO WEEKS? AND I STILL GOT ABUSED BY THE CREDITORS I HAD BECAUSE IT WAS MONTHS AND THEY DIDNT EVEN CONTACT CERTAIN COMPANIES? AND THEY WOULD MAKE DEALS WITH SOME OF THE COMPANIES FOR A SETTEMENT? BUT THEY DID IT WITH 2 COMPANIES AND THEY DIDNT ASK ME TO BE INVOLVED? 1 TIME THEY WANTED ME TO BE INVOLVED BUT IT CONFUSED ME? BUT THEY DONT PAY THE SETTLEMENT I BELEIVE WITH THERE MONEY FIRST, THEY JUST GIVE THEM MONEY THAT COMES OUT OF MY CHECKING ACCOUNT? IS THIS LEGAL? AND MAKING DEALS AND THEM TELLING ME HOW IT WORKED OUT AND FOR HOW MUCH?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I need your HELP : MIDLAND BROKE THE LAW! ! On XX/XX/XXXX I sent certified mail to MIDLAND CREDIT MANAGEM of tradeline XXXX of alleged debt XXXX due to their actions in violating my consumer rights and FDCPA Laws by parking the alleged debt on my consumer reports without proper notification and verification. The violations committed against me negatively affected my position to apply for a mortgage. Despite the FTC has already taken enforcement action against a debt collector parking debts on credit reports without notice to consumers, Midland has blatantly committed deceptive acts in passive credit reporting or parking instead of active collection efforts like phone calls and letters. Midland the collector furnishes negative information to the XXXX, XXXX, and XXXX without ever attempting to contact me about the alleged debt but only waited until I the consumer discovers the negative information upon my intent to apply for a mortgage. Midland also ignored the CFPBs new debt collection regulations, effective XX/XX/XXXX that requires notice to consumers about an alleged debt before the account can be reported to CRAs. Midland played delayed tactics in only sending me correspondence which I attached to with respect to legal threats and used another unknown address which is not my consumer reports- see exhibits attached. ( another violation ). To date, Midland has not yet acknowledged the communication of certified mail attached.

Company response to consumer: Closed with non-monetary relief