BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.

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 2019-12-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt that ( I don '' t recognize ) has been reporting on my credit report. on XX/XX/2019 I drew up a request for validation form along with a returned receipt and certified it. 

a little over two weeks later ARS sent back a letter stating ' this is an attempt to collect a debt ' with just an account number and that I allegedly owe {$200.00} to XXXX XXXX XXXX  XXXX. 

ARS failed to send me proper documents stating that I owe this alleged debt. 

still to this day they are still reporting this on my credit report and its hurting my score.

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: NV
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:
n 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 Experian XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account 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 2015-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from ALLIED INTERNATIONAL CREDIT CORP stating that I owe money to XXXX. They also stated that the debt would increase if I did not pay this " debt ''. They use 3rd party tactics to pay the debt, Check, Money order, XXXX XXXX. I have not used XXXX in years and do not owe anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
" I hope you enjoy living with your bad credit '', I am on XXXX now for 2 years because of failed XXXX. I have told this the collection agency and when I get back into the world force I will pay my debt. Currently finishing XXXX school, then I need another XXXX to hopefully fix the failed XXXX and get back to work in XXXX. The debt is from 2014 during a time I was receiving XXXX. XXXX. There is no need to be nasty, I know my debts and people need to be paid for their services. I do have plans but I must get back into the work force. Please, do not allow these people to harass me over {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I attempted Western Union money transfer to another country ( XXXX ) using the service they call " WU Pay. '' This is an on-line billpay type transaction which Western Union advertises as allowing for funds to be obtained by receiving party in about 2 days. My account was debited on XXXX/XXXX/15 and as of XXXX/XXXX/15, my father was unable to obtain the funds. Multiple phone calls to Western Union were made with representatives assuring me that it had been cleared and the funds were available but he could not obtain the funds. On other occasions, I was told that there had been a hold on funds which was subsequently cleared but the recipient was still unable to receive the funds. I attempted to speak to supervisors but was told they were unavailable. My money is still being held by Western Union although they state they will refund it " after 5 business days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: BYL Collection Services
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account does not belong to me. I reside in California and it stating this account was for gas services in XXXX XXXX Nevada. I disputed this with XXXX and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Please investigate these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : Portfolio Recovery Associates XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : XXXX XXXX XXXX {$4600.00} and {$3800.00} -Company 3 : XXXXXXXX XXXX {$1000.00} XXXXCompany 4 : XXXX XXXX  {$1600.00} - Company 5 : XXXX XXXX XXXX- {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I XXXX XXXX XXXX natural person, ( hereinafter referred to as consumer ) is sending notice to Transunion XXXX & XXXX XXXX its United States affiliates ( collectively, Transunion XXXX XXXX XXXX we, us XXXX our ) I consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Transunion or XXXX XXXX services or websites. 
I recently reviewed a copy of my consumer disclosure and noticed Transunion or XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing information that is to be excluded from a consumer report. 
A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and person making the report. 
Transunion or XXXX XXXX is not authorized to collect, use, and share information about financial accounts such as outstanding balances, late payments, loan history and any other highly restricted financial and personal information under the Gramm-Leach Bliley Act ( GLBA )

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: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand XXXX and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus XXXX XXXX XXXX XXXX Experian and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed XXXX XXXX  closed account is on a police report it needs to be removed immediately as well as a XXXX collection for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.

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: Colony Brands, Inc.
State: WA
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, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : XXXX  XXXX XXXX XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : XXXX XXXX XXXX {$4600.00} and {$3800.00} -Company 3 : Seventh Avenue- {$1000.00} -Company 4 : XXXX XXXX- {$1600.00} - Company 5 : XXXX XXXX XXXX {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
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: 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 have notified the Experian about the error regarding my late payment and provided all necessary statements and letter from the bank issuing my credit card, but Experian refused to correct the error and the investigation has taken more than 60 days. All attached documents was sent by email and USPS priority multiple times since XX/XX/2022 My credit score has been reduced by more than XXXX points due to Experian 's investigation and they refused to fix it in timely manner by ignoring my request.

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: WELLS FARGO & COMPANY
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:
I had an agreement with Wells Fargo that this was a pay for delete account. I paid in full after charge off but Wells Fargo failed to stick to their end of the bargain and did not delete this account as agreed.

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: DISCOVER BANK
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:
I had an agreement with XXXX XXXX that this was a pay for delete account. I paid in full after charge off but XXXX XXXX failed to stick to their end of the bargain and did not delete this account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a customer at XXXX XXXX that used to have a banking account with state farm. XXXX XXXX bank converted my checking account to US Bank. I had to have a US Bank account because of an auto loan and it was used to transfer funds from one checking to their checking to pay the auto loan. Auto loan is still with XXXX XXXX, and XXXX XXXX is not at fault here. My complaint is with US Bank. 
The minimum was to have {$25.00} in my account, which is what was opened with US Bank. I don't need or want that account. 
I received a statement where US Bank charged me a {$2.00} paper statement fee and then charged me a {$5.00} dormant service cha for my account. 
First, I was never told I was going to get charged a fee for not changing to paperless. And second I was charged the dormant fee without being contacted that I was going to get charged that. 
I called and closed out my account immediately but they will only send the remaining {$17.00}. 
How can a bank get away with all these fees without communicating?

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 2022-11-23
Company: FB FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is paid in full and up to date XXXX XXXX I paid my mortgage online. Accidentally typed XXXX instead of {$820.00}. 
XXXX XXXX {$820.00} was drafted from my checking account. 
XXXX XXXX {$820.00} was drafted from my checking account I requested one of the payments to be either reimbursed or credited to my account. 
XXXX received a letter from FirstBank stating that my mortgage had been transferred and I was to make payments to XXXX XXXX XXXX from now on. 
XXXX XXXX I received a reimbursement check for {$820.00}. It was stopped and I was charged {$10.00} I was contacted by XXXX XXXX XXXX saying that I was delinquent and owed XXXX, XXXX and XXXX. 
They told me FirstBank sent them my account and that is all it said. It did not have any prior payments. 
XXXX XXXX I was able to access my FirstBank mortgage online. It said the next payment owed was {$820.00}, XX/XX/XXXX, I received a letter from XXXX XXXX tax collector asking if I had a mortgage. I owed {$930.00} in taxes. -- -I pay my taxes and insurance through my mortgage XXXX XXXX I received a letter about a trial plan offer, if I wasn't approved, I would have a short sale or settlement statement. 
I was told that my delinquent mortgage had been sent to the credit bureaus XX/XX/XXXX. 
XX/XX/XXXX, I paid {$2500.00} to XXXX XXXX  for taxes and a two-month mortgage. 
XXXX XXXX I received a letter about foreclosure. 
I need this matter addressed, looked and cleared up. This has negatively affected me, and my family 's lives. I have been stressed with XXXX. I can't sleep, dealing with this situation has impacted my ability to do my job. FirstBank 's mortgage company has mismanaged my mortgage and finances, taxes and credit. If this is not looked into immediately, I have no other choice than to take legal actions. Attached are a few documents about my mortgage. 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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/XXXX, I XXXX XXXX notified TransUnion on the violation on my consumer report. On XX/XX/XXXX Transunion responded, and they have failed to answer any and all questions that was present to them. TransUnion have avoided the whole Affidavit of Truth. This is a Notice f Default and Opportunity to cure. You are hereby again put on Notice of my standing and the lawful facts. If you fail to respond to the aforesaid Notices in substance or within the reasonable time frame provided herein, without first legally rebutting the points of law claimed herein or within previous Notice ( s ) served, it shall be taken to mean by all interested parties that all claims and assertions stated by me herein/therein are true and indisputable lawful facts and, that you agree to them entirely and without exception. It will also be taken to mean that any further action taken against myself as a living nature person and or, against the fraudulently created 'legal fiction ', shall be taken to mean by all interested parties to be harassment, demanding monies with menaces and coercion to aid and abet crime at common 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 explanation