BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: CORELOGIC INC
State: TX
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:
Inquiries from these companies. 
* XXXX XXXX XXXX via XXXX  XX/XX/XXXX * XXXX XXXX XXXX via XXXX XX/XX/XXXX * Primary Residental via XXXX XX/XX/XXXX Disputed these with all 3 CB. Received 3 letters from XXXX stating that they can NOT find inquiries. Called all 3 CB to let them know of these letters to have the inquiries removed and was told to file a claim with 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 2017-10-17
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an account with XXXX for internet im on disibility my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX  continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX  to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: TX
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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - XXXX XXXX Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. 

I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. 

I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX, Transunion and XXXX  did not block the data on the credit file.

XXXX, Transunion and XXXX  has made no attempt to properly follow section 605B of the FCRA. 


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 2019-07-29
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX loan company went under and my loan was picked up by XXXX and assigned a loan number. I pay thru my bank monthly and on the XXXX  of the month or the first bank day of the month.. I then received a letter from Loancare about my loan with out any other information and I gather assigned a new loan number. I paid my XX/XX/2019 bill to the first number and the same for my XX/XX/2019 bill only to receive notice that I hadn't paid at all. a call was made to XXXX and I found out that my loan was being handle by their other company Loancare. with this call I was told that all was straightened out and that they would report an error to the credit reporting companies. on Saturday I received a package from Loancare saying that my loan was in foreclosure and for me to fill out a certain form they sent me. I made a call to them asking to talk to a supervisor about this and was told they couldn't get one right away but I would be called back within an hour and I haven't been.

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 2019-10-14
Company: Direct Recovery Services, LLC
State: CA
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:
I have repeatedly asked DRS to stop contacting me about my brother 's debt -- and have even filed multiple CFPB complaints against them -- but they continue to contact me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believed that there is a grace period after your graduate and was unsure the amount of time was allowed before the payments started. Somehow, I got in contact with XXXX XXXX and realized that payments were being requested but by then the payments were late. As soon as I was familiar with the situation I immediately called and learned what I needed to do to start paying my student loans. I chatted with customer service and figured out that I could defer the late payments to the end of the loan and start fresh and havent miss a payment since. I was blessed and qualified for the Income-Driven Repayment plan so that helps a lot, but I have these black marks on my record and these are the only bad marks I have on my credit as of now. These late payments are for my time @ XXXX XXXX XXXX and XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After completion of investigation ( File Number XXXX ), TransUnion failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that TransUnion, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the investigation. TransUnion failed to provide the complete requested description, in that, TransUnion failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment TransUnion_complaint.PDF ( TransUnion Resolution Summary XXXX/XXXX/XXXX, my letter XXXX XXXX, XXXX, TransUnion reply 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 2022-06-13
Company: GLA Collection Company, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not sign up for their services and they are not picking up my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: ALLY FINANCIAL INC.
State: SD
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 have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

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 2017-10-07
Company: Exeter Finance Corp.
State: SD
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 have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Scott Fetzer Financial Group Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of XXXX XXXX XXXX XXXX added a file to my credit report. So I initially disputed it in XX/XX/2017as  fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. I recently discovered that this company is not bonded in the state of Georgia to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not registered with the Georgia Secretary of State. This company is not even in Georgia 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$20000.00}-

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 2017-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is for Chase bank. XXXX My husband lost his wallet including his chase debit card, containing his driver 's license and social security card. He reported this immediately and banks sent him new credit cards. He never received his new Chase card, as well as lost his old one. XXXX/XXXX/XXXX : someone deposited {$2800.00} in our account with a fake check, at the same time withdrawing {$500.00} XXXX/XXXX/XXXX : this person tried to withdrawal {$4100.00}, {$3800.00}, as well as {$800.00} ( transfer ) from our account from various Chase branches through the XXXX area. These amounts went through even though my husband and I do not ever withdraw large amounts from our account, only using it for automatic payment of credit cards. We noticed these suspicious activities and one bank branch did as well, froze our accounts. All through these deposits and withdrawals NO ALERTS were given or notification of suspicious activity to us, even though these activities were clearly irregular. XXXX/XXXX/XXXX : my husband and I went to the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX to address these fraudulent activities. We spent 4 hours there opening a new account transferring our money over ; and filing paper work regarding the fraudulent activities. Over the course of XXXX and XXXX our money was credited entirely back to us. On XXXX XXXX Chase took back the {$800.00}, and XXXX XXXX Chase took back {$500.00}. After repeated visits to the bank, we escalated this to their Headquarters. My husband after multiple emails with the Headquarters people, they are refusing to give us our money back based on some small paperwork detail from the initial XXXX visit. They are saying that 'we said we did not receive the new chase card, but it was activated some how '. Again, we never received the card. We do n't even know which card, old or new was used for these CLEARLY fraudulent activities. Chase can not tell us either which card was used. I just want my money back, the {$500.00} and the {$800.00} which they are refusing to return. The larger amounts are apparently 'safe ' as they are FDIC insured. We are going to leave Chase and also file a small claims or get our attorneys involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: KY
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:
Equifax mishandled my PII which has led to a breach that puts myself and millions of others at potential risk. I am disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it due to my line of work I am currently in : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
With experian I have tried to talk to several people with no results. 
It begin when experian wanted my banking information and I refuse to give it to her and I notice from that point they went to messing with my credit score by gradually lowering it. 
Now they sure on me that I've always been late with payment which is untrue all of my payments is set up through the companies for auto draft!

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 2017-10-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student Loan lender have multiple duplication of accounts illegally blocking me the consumer from qualifying for refinancing student loan with a reputable lending institution available to me as a consumer. The lender have duplicated these entries over 30 times duplicated on my credit files.They continue to circumvent by stating they have responded to the consumers complaint. What they are doing is strategically selecting one account out of 10 and addressing one and leaving the 9 remaining. The rules say that multiple creditor of the same account should be listed on any consumers credit files. Here 's a list of duplication that do not own the loans. When these loan because due after graduation the creditor only alerted me after the loan was delinquent several months. This I believe is leverage tactic by the lenders to further damage my creditworthiness. All information reporting on the loans below are injurious to my family life and some of these have been added to my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Canceled my American Express card and have a remaining balance I plan to pay monthly. XXXX stopped sending me statements and bills after I canceled the card and now only sends me a text message when they add a {$40.00} late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06
Company: Monterey Financial Services LLC
State: WA
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 do not know who this company is and I don't have any unpaid services or products at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX I have contacted TransUnion and XXXX XXXX XXXX to investigate show me proof contract signature anything and have yet to be provided any information proving this alleged account belongs to me BECAUSE THERES NO WAY POSSIBLE FOR IT TO BE MY ACCOUNT Current Rating Collection/Charge-off Status Open Type Individual Unpaid Balance {$1100.00} I have been sending letters and documentation that this is not my account it is impossible at the time I was a permanent resident of XXXX and there was no way possible this account could be mine

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 2023-04-03
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A merchant charged my bank account, even they were not supposed to. The merchant agreed to send the money back but they needed communication back from my bank to accept the money so I can get my refund. My bank is refusing to communicate with the merchant and block me getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
on the date of XXXX i submitted a dispute to Experian in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the XXXX data breach and it seems as though Experian is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and that date was well over the allotted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information. experian responds with that the thought that it is not me who is disputing my incorrect data on my consumer report which i include my photo id and a proof of address ( bill ) to confirm that i am who i say i am. i have also attached those documents showing proof of who i am in with this here complaint. CFPB please ensure that experian honor my right for me to dispute the incorrect information on my consumer report and due with the fact that they did not investigate remove all the incorrect data that i disputed

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