BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX on XX/XX/2019 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never had a personal account with these banks. 
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with XXXX Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2019-07-25
Company: Bread Financial Holdings, Inc.
State: MA
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:
On my first complaint to Comenity Capital Bank they provide a response stating that the because the application was fraudulently submitted and that they would contact the credit bureau to have the inquiries removed. Then on my second complaint I asked Comenity Capital bank to contact the credit bureaus but they replied that they cant find the applications of the inquiries that I am talking about. The inquiries are Comenitycapital/XXXX  inquiry date is XX/XX/2018 and Comenitycapital/XXXX  inquiry date XX/XX/2018. Comenity Capital bank has asked me for the correspondence that the bank sent to me and that is what I am including with this third complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called customer service regarding late payment fee assessed. When called the company, a different servicing company answered from phh mortgage company to XXXX XXXX. We were not told or notified that a servicing company had been changed. Anyhow, our concern is that we are being assessed for a late fee when in fact our account had been set up biweekly through bill pay from our own bank account, and it had been set up that way since we started the mortgage since 2015, and this is the 1st time we are being charged for a late fee. We checked our bank account and its been properly sent prior to due date.. our concern is late fees being assessed and frequent changes of servicing mortgage company, since we had the mortgage, it was changed to 3x and adds to confusion and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they do not investigate the matter, instead they send something back wanting more information from me ( proof of address, copy of social security card, etc ... ). I have sent a total of 4 letters to them over the last few months.

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 2022-06-10
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/ 2022, I received emails about an account being opened in my name with my email address with Chime. I did not open not authorize an account to be opened. I informed chime via email several times that I did not open or authorize this account to be opened. I also demanded that they remove my account and my information and block any related information to my name or me in any manner from their entire system. This conversation and multiple requests achieved nothing except chime continuously refusing to remove my application, account, or personal information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, Sage Stream, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CollectPark, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I accidentally parked my car in the wrong ( unmarked ) lot on XX/XX/21. Within 5 minutes I realized I was in the wrong spot. I came back to move my car but was already booted. When I explained the mistake to the attendant ( who I did not see when I parked ) she was unmoved and made me pay her on the spot {$80.00} before removing boot. Payment proof attached. The parking company XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX, TN XXXX hired Collect Park out of XXXX, Az to further harass me, and to incredibly try to get me to pay an ADDITIONAL {$60.00} Clearly an illegal and abusive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A loan modification packet has been submitted for review but Ocwen has failed to respond. The lender has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). The lender has failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: GA
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:
Equifax received my FTC report and communicated to me that they wont comply for a reason i find to be fraudulent in its nature. One of the representatives from Equifax told me that I cant put more than 5 inquiries on a report, No evidence supports this claim.

Another representative told me they only remove Hard inquiries can be removed ; the law does not differentiate any distinctions between hard and soft inquires. They are telling me that they wont remove the inquires. One representative lied and said that i gave Written Permission to furnish any information to my report. I asked her to send me proof and she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY  MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019

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 2017-10-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing is a debt collection agency. I was behind on 3 payments of {$900.00} due to a job loss and was able to come up with a payment and sent them one month on XX/XX/XXXX post dated for the XXXX. This payment was sent back to me and no correspondence from the lender occurred to help me resolve this matter. I have had this happen to me in the previous months and resorted to calling in my payments which they reluctantly accepted but refuse to defer any payments. I am in a federal disaster area and have no job for the moment. I wish to make my regular monthly payments and not go into foreclosure but am unable to make up for the payments I am behind on. I have tried to make these monthly payments but the lender keeps refusing them. As a debt collector I would assume they should cash my checks in order to repay my loan. I would like to know if there is a way to get at least 1 payment deferred so I can continue to make my regular monthly payments without having them send them back in an attempt to foreclose. I have never heard of a debt collector not willing to accept a payment. I would like to continue making my monthly payments and not have them be refused. I will continue to try and resolve this matter myself but if you can offer any assistance or insight that would be most appreciated. Thank you sincerely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a claim from an unknown source for services performed in  XXXX ,  2015  at  XXXX   XXXX   XXXX   XXXX .   Account :  XXXX  Amount for services {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 Days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. This should not happen because I personally went to the bank and spoke with relationship manager there named XXXX XXXX at XXXX XXXX in XXXX area, and she told me that the bank made an error on Automatic payment form, and when she fixed it there was a double payment made. Also, I'm not sure how I didn't even catch this prior, and my only thought is that my monthly statement did not get to me. Again, this was contested by your own employee that it was an internal bank 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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

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 2022-06-10
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have disputed this " collection '' through XXXX and XXXX with no avail. Please see attached for details associated with the dispute. I had made contact with XXXX on several occasions. Noting the attached XXXX visa statement where the credit was issued ( charged in error ). Only later to find this on my credit report. I moved from the home in which I had XXXX services. When I contacted them, they stated they had sent to my previous address. I never once received a phone call or voicemail, I was told to leave the equipment and still paid another invoice for ~ {$1400.00} in addition to the collection charges. I immediately paid the collections thinking this would be removed from my credit report. Please read the attached document for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few years ago i noticed this account pop up on my cbr. I moved to a different state about that same time so i figured maybe i didnt revieve any notifcation because of this move. I contacted to debt collector to update my address and also requested the final billing from the original creditor. The amount of the debt seemed to be very high. After about 45 days or so i disputed this directly throught XXXX and XXXX  because i never recieved the information i requested. I still have not recieved validation of this debt. It is also not appearing as " disputed by consumer '' on any of my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received XXXX treatment at XXXX XXXX XXXX in XXXX in XX/XX/XXXX. At the time, I was offered a payment plan through XXXX XXXX. I was told that there was 0 % interest if you paid your balance off within 1 year, and all I had to do was set-up automatic payments to do this, which is what I did. 

I recently checked my account, expecting this to be paid in full. I saw that there were charges being added to my account monthly for " Card Security '' which I never knew about or was told about. This caused my automatic payment plan to not pay the balance in full, resulting in huge interest charges ( including one of over {$800.00}. ) They simply added the service when I signed up. A XXXX search shows this is a common occurrence, with many customers saying they had to call and XXXX XXXX   immediately removed the charges. I did so, and after a typically painful customer service call, they removed the Card Security charges, indicating they knew it's a poor practice and customers aren't aware of it. However, they did not refund me the interest charges caused by the Card Security charges. Now I have a balance of $ XXXX dollars, which is more than I even used the card for originally. I escalated the call to a manager, who was extremely rude and told me I should have checked their online portal and that I should have known the automatic payments weren't going to be enough. However, this is what I was told at the XXXX center where they offered this to me. Of course this aligns to what was discovered in the CFPB investigation in XX/XX/XXXX against CareCredit. https : XXXX This was a totally predatory creditor and now I'm stuck with a huge bill. STAY AWAY from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 I RECEIVED A LETTER FROM AMERICOLLECT CLAIMING I OWE THEM A DEBT FOR SERVICES NOT RECEIVED FROM THEM, I RESPONDED WITH A VALIDATION REQUEST XX/XX/2018 IN WHICH I RECEIVED NO REPLY AT THIS TIME. XX/XX/2018 WHILE LOOKING AT MY CREDIT REPORT I NOTICED AMERICOLLECT REPORTING ILLEGALLY AN ACCOUNT I'M DISPUTING WITH THEM ON ALL THREE MAJOR CRA 'S CAUSING A NEGATIVE IMPACT. I REACHED OUT BY PHONE TO BE RUDELY SPOKEN TO BY THEIR REPRESENTATIVE. AMERICOLLECT IS REFUSING TO SEND VALID VERIFICATION AS REQUESTED IN WRITING. AMERICOLLECT IS REFUSING TO REMOVE THIS UNVALIDATED UNVERIFIED ITEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was called at my office during the work day where the XXXX XXXX XXXX was connected to a colleague, not myself. 

The debt collector tried to get my colleague to divulge contact information and and place of business contact information. He also asked the individual to find me and tell me that I needed to call and gave their contact number. 

This company also called me 5-7 times in the span of 24 hours, which I consider to be abusive and harassment.

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 2019-11-21
Company: EQUIFAX, INC.
State: FL
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 very troublesome, I have requested that this information be removed/blocked from my credit file due to identity theft. I am getting no where. Equifax will remove some items and overlook others that are on the same report. It is as if they are overlooked and not regarded. then when you call to speak to somoene it is like you dont even exist, This is so unfair,

Company response to consumer: Closed with non-monetary relief