BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

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 2020-01-12
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Sequium asset solutionsXXXX XXXX XXXX, XXXX GA XXXX is acting as collections for XXXX XXXX XXXX phone. 
Both XXXX XXXX XXXX and this company mistakenly tried to bill me for this debt. 
I submitted to both companies copies of all canceled payment checks and proof of invalid charges. 

I have tried to clear this matter up by communicating with this company for over a year! 

This company has yet to provide me with any form of documentation what so ever and they refuse to communicate with me even though I submitted payment proof via certified mail. ( Actually the issue was that XXXX XXXX XXXX continued to bill me after service had been canceled so there was truely never a debt that I paid but a billing issue that was late in being corrected ) They act as though because they send me a bill that makes it valid. 
I am sick of the abuse and I have requested on 3 separate occasions that they remove this inaccurate information from my credit report but like i previously stated, they are silent in and response. 
See credit report record # XXXX Their listed phone # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: NY
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:
Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I submitted a complaint about my XXXX mom 's bluebird account. I received a letter on XX/XX/XXXX from the company requesting documents from me, I faxed the documents to them on XX/XX/XXXX. I then spoke with them on the same day. They told me they were going to process the check which would take 5 days and send the check out which would take 10 days. I am concerned that I have not received it yet. I spoke with a representative of the company today, and he said he can not give me any information on whether the check was sent out, I have to sit and wait here forever. It is not their money to keep. I do n't know why they wo n't talk to me, as they can not speak to my mother as she is XXXX. my CFPB Ref. No. is : XXXX Ref : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
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: Credit inquiries on your report that you don't recognize

Complaint:
This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX Adress : XXXX XXXX XXXX XXXX, Ma XXXX Date opened:XX/XX/XXXX Balance Claimed : {$420.00} I have no knowledge of this please remove immediately. Thank You sincerely, 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 2018-02-08
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX took money without my authorization by getting my credit card expiration date and other information. How are businesses and banks allowed to take this information to charge customers. I was told it was in the terms of service but is it not also in the terms of service that a card has an expiration date? How dare they, these companies know we are a trapped regulated work force with no time to deal with going back and forth between merchant and bank to stop their fraudulent activity. Please help us and ensure that expiration dates are honored. They often honor the expiration date if it will generate a late fee. It is not fair that XXXX and barclay cards are allowed to do business with my money behind my back while hiding behind some small print.

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 2020-05-05
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my home and Freedom Mortgage will not provide XXXX XXXX a payoff for " At least 15 days '' without me calling in. I do not wish to speak to them or be pushed to stay with this company. 

I see they have 7 days to provide a pay off but continue to refuse. 

XXXX XXXX Requested in writting a payoff on XX/XX/XXXXXX/XX/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 2022-02-20
Company: Experian Information Solutions Inc.
State: NY
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:
All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score.

Credit reporting agencies are run on impersonal algorithms. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every 24 hours.

My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change.

The impact of a credit score contributes to the livelihood of families acro

ss America. My credit score should be considerably higher yet, swims in the same pool for years now.
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$1000.00} XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$0.00}.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to XXXX, XXXX, transunion and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score. 
Credit reporting agencies are run on XXXX XXXX. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every XXXX hours. 
My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change. 

The impact of a credit score contributes to the livelihood of families across XXXX. 

My credit score should be considerably higher yet, swims in the same pool for years now. 
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.

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 2017-07-19
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The issue is I should not be in default. All supporting documents with how my payments on multiple times have been applied incorrectly and still not fixing over a year pushing it into default incorrectly. I should owe XXXX for XX/XX/XXXX. Yet they have told me I owe XXXX plus XXXX in wrongly assesed late fees as I had paid mortgage for 5 months in advance in XX/XX/XXXXwhich they applied to false fees and I specifically had told them how to apply I had been paying in advance until they can fix issue. A year later nothing fixed and now they inflate information. They have 72 hours to apply correctly and falsely reporting delinquent when I have proof of money sent and how should be applied. All proof attached fron XX/XX/XXXXto present how they mis handle fees and then report negative. They are stealing money and I have all proof. This is also enough proof beyond a reasonable to doubt for suing them on falsely forcing foreclosure again 1 year later. Enough is Enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: NJ
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:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 I received a request for a product and service that totaled XXXX and required a XXXX deposit as they stated. I spoke with the person via message and asked about the name I saw come through the request I was sent via XXXX. They stated I had the right person. On XX/XX/21 I reached back out regarding my appointment just to be told in a text message I have been scammed to leave them the f alone. I reached out to my bank ( navy federal ) because I used a service they provided unaware I was protected and they stated there was nothing they could do and sounded as if they could care less I was out of my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am the husband to XXXX XXXX ( deceased XX/XX/XXXX ). I have faxed HSBC on ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and sent registered mail on XX/XX/XXXX ( received by XXXX XXXX ) requesting title for XXXX XXXX XXXX. I am a XXXX veteran and losing my wife of 40 years it tough and I really need your help. HSBC has refused to acknowledging receipt of any faxes, letters or calls, NOT ONE FORM OF COMMUNICATION AT ALL. HSBC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA. XXXX PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out via phone call to the collection agency who claims I owe the debt, when I explained I have health insurance and it was paid the collection agency still tried to collect.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
We are in our XXXX and having excellent credit and have a long history of credit situations yet when we applied we were told we did not have enough history to generate a 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 2017-07-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially due to being diagonosed with XXXX XXXX, which has become increasingly difficult over the pasr few years, both physically, mentally, and monetarily. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He wants to save his home that he resides in, desperately, and from my research and past twenty years of experience in the filed of XXXX XXXX, he does qualifty for a loan modification. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Chase, and not simply dismissed as he has been several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX 1970 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 2022-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me numerous of times saying I owed a debt asked them to send correspondence from The originator company and from Them numbers is of times stated that I will have 30 days to investigate and respond back! I finally receive A letter from the collection agency late XXXX but only the agency not from XXXX or from the company they say I owe the debt too! Letter is dated XX/XX/22 and they placed the debt on my account XX/XX/22! 
Called the phone number XXXX disconnected!

Company response to consumer: Closed with explanation