BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/16 I requested {$600.00} from an ATM owned by XXXX XXXX. The machine did not dispense any money. I have filed a dispute with XXXX with no results or response. 

# 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 monetary relief
Consumer complaint received 2015-09-28
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
About my Bankruptcy how did they receive my information because bankruptcy do not give that information to the credit bureau

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 2015-04-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have my original mortgage ( XXXX ) contract which states " once I reach 80 % of my original contract amount, I may terminate my PMI '' My original mortgage company was XXXX went out of business & sold all of their loans ( including mine ) to Ocwen loans. It has been a nightmare since I have been with Ocwen ( Ocwen bought my loan in XXXX ' XXXX ). Ocwen had sent me a letter of cancellation of PMI and its requirements. I met all of its requirements and they told me I need a new appraisal of the current value of the house. I got the newer appraisal ( XXXX ) Even though the original contract states 80 % of the original value ( {$130.00} ) they ( Ocwen ) denied my cancellation. My new value is {$100000.00} and they are not going by the original value. I have sent a copy to Ocwen of my original contract and a copy of there letter, which both state the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A {$600.00} medical bill for treatment of my wife, not me, was sent to collection. The only way I found out about it was when I did the free annual credit report. I told the debt collector that it was not for me, they said the medical service provider chases the insured name and not the person who signs the form at the doctors office. My sister happens to manage a medical office and she verified that the service providers XXXX the insurance that was used, and not the person who signs the form accepting responsibility. What is the point of having a patient sign that form if they doctor chases the insurance? The system is horrible and biased in favor of the insurance/doctor/bill collector. If any one of them had sent me a certified letter explaining the facts I surely would have resolved this MINOR ISSUE. The law should REQUIRE at least certified mail before an allegedly unpaid bill tarnishes a person 's credit score. I had perfect credit all of my life until this unwarranted, unfair, and uncalled for blemish marred my credit score. My reputation has been slandered by the doctor 's office, the insurance, and the bill collector, and they walk away scott free. It is way too easy for them to throw out claims without any substantiation. They ought to be ashamed of themselves, especially for the bill collectors who are bottom feeders and bullies anyway! I know that N.Y. has recently made some slight improvements regarding medical bills. That 's great, but what does that bill become when sent to a collection firm? The federal government must do what states can not or will not do. 
This happened several years ago, so my letter is more of a cautionary tale, than any request for assistance. On the other hand, if there is any action I can take now I would be very interested in learning what that might be. Thank you. God knows we need all the help we can get to fight against the many unethical, though maybe legal, practices exercised by firms today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Credit Corp Solutions Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello- I keep getting calls on my landline phone which is  XXXX . They ask for a  XXXX   XXXX  or something. Our last name is  XXXX , the only reason I thought the caller might want us is because there was a "  XXXX  '' in the last name they were trying to reach. I asked who they were. They said it was a private matter and could only talk to him. I told them I had power of attorney and they could talk to me and asked them to identify themselves several times. She would would not, but she sounded legit ( not a weird accent nor any threats or poor  XXXX  ). Then the caller said she could tell me what the call was about if I told her my husband 's birth date. I told her I would not provide personal info over the phone. I kept asking the caller to identify themselves and she refused by saying it was a private matter. The call came from  XXXX , When I tried to block the call ( using  XXXX  ) I received a message that, that phone number was invalid. I called the number  XXXX  and the message "  Credit Corp Solutions ''. I called again and some one named "  XXXX  '' answered. We pay our bills on time and have good credit scores, perhaps there is a bill we missed however we have never received anything in the mail and the caller had our last name so wrong, almost unrecognizable. Honestly, there was no way I was going to give out my husbands birth date to someone who was not identifying themselves ( actually even then I would not give out that info over the phone to someone I do not know ). My husband is in  XXXX   (   XXXX    XXXX   w/ over 20 years  )  until  XXXX  That is why I have power of attorney. In the mean time, I have contacted him about this matter. What I want to know is, what is the deal with  " Credit Corp Solutions '' ( if it  is them ) how come they ask for private, sensitive info over the phone, why wo n't they tell me who they are when calling MY phone number, and why do they use a number I can not block?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX without my authorization ran my credit score on XX/XX/2021. 

Capital One without my permission ran my credit report on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}.      On  XXXX   XXXX , I received a Escrow History Dated  XXXX   XXXX ,  XXXX , Upon reading I notice immediately that the amount were not correct. I call on  XXXX   XXXX  spoke to representative in the escrow department.     My " Old Mortgage Payments " {$950.00 } My NEW  are {$680.00}.   ( {$680.00} is compose of  XXXX  Escrow and  XXXX  P/i ) My argument is as of  XXXX   XXXX  my escrow accumulated amount is {$2300.00}. My  Property Ta xes are  XXXX  and Ins  XXXX  the total is {$2400.00}. I understand there need to be " cushion ''. So with  XXXX   pmt and   XXXX  pmt of  XXXX  each bring the total to {$2700.00}. Should be enough to satisfied this condition.     As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments.     Then as I understand this situation, my  XXXX  payment should be {$480.00} since I have satisfied the escrow amounts.     The property taxes will be due on  XXXX   XXXX , and the  Insurance  in  XXXX . I want to pay these amount on my own. And hopefully refinance.     Please help me correct this situation  with Ocwen  ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default.     Thanking you in advance for your assistance in this matter, I remain grateful.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX reported to TRANS UNION that My account was LATE and in their COLLECTION Dept. 

I was in the midst of a dispute with XXXX over a {$300.00} early termination fee since I was told by a XXXX Customer Service Representative that the cancellation fee would not be imposed since I notified them I wanted to cancel HOWEVER wanted to keep my same home telephone number which may take 7 -10 days to be released. 
The trial period was ONLY 14 days, I called on day 13 to cancel but was told I would not be able to keep my number unless I waited until XXXX released it. 
Thus it would be impossible to terminate service and keep my number ( which I 've had for 23 years ). 
A few days later when i received notice that my number was released I terminated service. 
I received a statement stating I had service for more than 14 days and therefore I would be charged the {$300.00}. 
I spent countless hours trying to speak with representatives and get XXXX to investigate the rep. who assured me the cancellation fee would not be charged. I sent XXXX letters to XXXX disputing the charge. 
Without a XXXX party or fair investigation, XXXX assigned my account to their Collection Dept. 
I disputed the wrongful tactics of XXXX. Preventing me from canceling within 14 days and keeping my 23 year old telephone number. 
XXXX claimed the rep. did not enter the comments into record and therefore the agreement to charge my was valid. 
XXXX should not be able to report my account as in collection while I am disputing the charges. The also should be required to have a third party investigate since XXXX simply denied their representative had told me or had the authority to tell me the early termination fee would be waived while awaiting the release of my home telephone number. 
I have paid IN FULL my account including the {$300.00} and XXXX still refuses to enter a new report to Trans Union without the indication that it was in collection. 
My credit score has suffered, dropping over XXXX points. 
IT is the ONLY adverse information on my credit report. 
Trans Union refuses to remove the collection designation even though it is paid. 
I told them it was reported while I was actively waiting for XXXX to investigate. 
Trans Union " investigated '' and a letter arrived showing that XXXX still shows it was in collection and thus it will not be removed until 2019! 
I want Trans Union to remove the Collection designation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
approx.  XXXX   American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: Conn's, 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: Account information incorrect

Complaint:
Conns XXXX is in violation of FCRA, 15 USC 1681m because I was never notified that an adverse reaction was going to be taken on my consumer reports. An adverse reaction of late payments on this alleged debt was reported on all 3 of my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Please advise! 
XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out student loans to pay for graduate school in   XXXX  . When I graduated, I was enouraged by    XXXX   XXXX  /  Navient to  consolidate my federal loans with my private loans, which they held and I was encouraged to put my loans in forbearance several times when I asked for help with repayment terms that would make my payments more manageable, as I was just starting out as a public school teacher. They told me that there were few options for repayment and that forbearance was the easiest. They offered no alternative plans or solutions.     In addition, when I became a teacher and learned about public loan forgiveness act, I called several times to inquire about qualifying loans and was told that I would n't qualify and that I was already on the lowest payment plan and that my loans did n't qualify for forgiveness. I ended up contacting the federal government to consolidate all my federal loans with them and am now on year  four  of the plan.     I have been repeatedly given bad information. This information cost me several years of loan forgiveness I could have had through the public loan forgiveness act because I 've been a teacher for 10 years.     When I filed a complaint originally, they did n't really respond to the nature of my complaint. I got a generic response. I contacted the Attorney General 's office and filed a complaint through them because my state is currently suing   XXXX   XXXX  /Navient for similar reasons.     I 'd like my loans  discharged. I h ave paid faithfully, despite constantly receiving misinformation from the company. I pay and pay and the principal barely goes down due to the outrageous interest fees which accrued over the years, especially during forbearance. I feel I 've been kept in debt by them through these interest rates and feel there is no way to get out. I feel that 10 years of consistent payments should have at least brought down my principal significantly. Instead, it remains practically the same as when I took it out, plus several   thousand dollars of interest.
I 'd like to have my loans discharged. What do I need to do?       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed with Experian about XXXX Bankruptcy being reported on file, they said the bankruptcy s was verified and validated which was no true. i went to XXXX Bankruptcy Court to investigate and spoke with Court Clerk. they informed me in person and also with letter that I previously sent to credit Bureau that they do not verify or validated any information. could be someone with same name or computer error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: RMB, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I checked my  XXXX  Credit report and I seen this company pop up as a open  account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only  XXXX  of them stat ed that it was included in Bankruptcy but the other  XXXX  was not reported in bankruptcy. I attempted to contact the company  two  times with no results I even left messages on Friday  XXXX  the  XXXX    XXXX   at  XXXX  in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday  XXXX   XXXX  left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report

Company response to consumer: Closed with explanation