BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-03
Company: Central States Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call from Central State Recovery in XXXX Kansas. She stated that I owed a medical bill of {$180.00}. I paid {$90.00} and due was due to pay another {$90.00}. Due to fraud on my bank account and XXXX Insurance data breach and credit card fraud. My accounts were closed. I received a text message from my previous employer stating XXXX XXXX contacted his wife at home in reference to this account. I called the number and was informed of a returned check. I advised that it should not have been returned. Due to the fraud on my account nothing was clearing my checking account. I asked how they contacted this lady whom I have seen XXXX time in XXXX years and does not know me and they said they just did a XXXX Search and obtained the number. XXXX Search lists over XXXX numbers on file and they contacted several numbers leaving my name and information on voicemails. When I spoke to the manager she stated that they did nothing wrong and I should have had XXXX numbers on file and this would not have happened. I advised her I received no call in reference to this. I have NEVER received ANY letter validating the debt and they to date have not provided XXXX. They submitted the {$90.00} to my credit report of a debt that I have no letters confirming my rights as a consumer or the debt company.

Company response to consumer: Closed
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX who was receiving XXXX from VA. In XXXX 2009, I was involuntarily called up for XXXX. I went to the VA Representative at XXXX XXXX IN and completed documentation to stop payment since I was being sent back to XXXX XXXX. I then left for service in XXXX. Apparently the paperwork was not submitted in a timely fashion to the VA, and they continued to send payment unbeknowest to me. Upon my return, I had this debt of XXXX dollars that had been given to the XXXX for the VA. I contacted them an paid back money. I have asked twice to have debt removed from my credit report to no avail. Please help. Thank you.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-01-19
Company: Solomon and Solomon, P.C.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Complete college from XXXX in XXXX NJ in 2011 could not keep up with my payments due to the amount sent paper work and tried to make payments due to not being able to make payments and the company not able to correctly take care of my paper work such as the information i sent them in order for me to defer my payments i was sent to collections and my credit history has been a mess since which includes a lien in my accounts which has not allowed me to find the proper jobs that will allow me to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The name of the lady that contacted me is XXXX XXXX phone number at XXXX, she said she was with XXXX XXXX out of XXXX, texas, she told me I had felony fraud charges against me and a useless check issued and that XXXX the woman told me I was going to XXXX for 108 days and I was going to have a warrant out and I never receive any mail from these people to see If they are legit please help me, my name is XXXX XXXX and XXXX number is XXXX, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX was not properly and accurately reported. 
1st date of delinquency is not reported Last Payment date is not reported 1st Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.too much time has elapsed since my initial inquiry.

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 2022-11-23
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:
As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the items corrected 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 2017-08-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). 

To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. 

Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Statebridge Company
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow. 

I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX. 
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence. 
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because my multiple requests have been ignored by Experian. I have requested to be provided with documents that their company has on file that was used to authenticate and verify accounts shown on my credit report, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be authenticated and validated with accuracy, that I disputed. 
I originally mailed a letter on XXXX XXXX, 2015 to Experian requesting verification and validation of multiple accounts reporting in error. There were account that remained on my report but I never received validation or verification of the accounts. I followed up with a letter on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 requesting a re-investigation. Once again accounts remained on my Experian report but I did not receive validation or verification of the account. 
The following accounts remain on my report without being provided authentication or validation the information is in fact accurate : State tax lien Fed XXXX lien XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Please resolve this manner as soon as possible as I have attempted multiple times to be provided with evidence of these accounts and have yet to receive any validation or verification of these accounts.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2021-10-01
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXridgecrest Financial has failed to allow me to exercise my federal rights and validate this alleged debt pursuant to 15 USC 1692g ( a ).

Bridgecrest has honored my cease and desist by stopping communication you have admitted to wrongdoing. A cease and desist has two parts cease of communications and remedy these are not separate. By honoring my cease and desist you shall honor my remedy pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1635a my right of recission was not disclosed to me which is a violation. No forms were delivered to me to exercise this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a short sale offer for review on XXXX/XXXX/2015. The file has XXXX as the investor, and the offer was also submitted to them through XXXX. We were never advised until we called several weeks later that the file was declined by Wells Fargo on XXXX/XXXX/2015. They refused to open the file for short sale review despite XXXX telling us they had not right to negotiate the file. After multiple calls we were able to have file re-opened. All along we advised our concern was the pending sale date of XXXX/XXXX/2015. We are not being advised by Wells Fargo the offer was declined although XXXX never acknowledged they received the file from them or countering our offer to provide an opportunity to get the short sale approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT 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 2021-09-30
Company: CITIBANK, N.A.
State: HI
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: Card was charged for something you did not purchase with the card

Complaint:
I have previously been through two fraud investigations with Citicard and submitted a CFPB complaint in regards to a Citicard credit card, which the company responded they do not believe was fraudulently opened. 

However they have not responded to my claim that the $ 8000+ shopping spree in XXXX of XXXX was fraudulent spending on the card, so I am submitting this complaint to address that specifically. 

I have been living in XXXX since XXXX of XXXX and have not left the state since I moved here. I have already provided Citicard documentation to show this during the investigation they conducted into the credit card account. In XXXX of XXXX when the credit card was used in XXXX XXXX, I was in XXXX. The credit card was used fraudulently without my knowledge, and I only became aware of it after the fact when I received a text message about an unusual spending pattern from Citicard.

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 2022-11-23
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the accounts and remove the late payments : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2015-11-25
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus will not send me copies of my statement from the month of XXXX 2015 thru XXXX 2015. Their excuse is that I was automatically enrolled ( without consent or notification ) in a program which called for me to use coupons ( which I never received ) to make my mortgage loan payments. I was told on XXXX XXXX, 2015 the statements from XXXX thru XXXX 2015 would be mailed to my address. It was also my understanding that I would have access to the statement online. XXXX 2015 thru XXXX 2015 are available online. XXXX thru XXXX 2015 are not available online.

Company response to consumer: Closed with explanation