BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was never provided any written statements in regards to any medical debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debit. I have never lived at this address or in XXXX XXXX at all. This is not mine and needs to be removed.

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 2016-03-21
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a widow who co signed on my grandsons school loan I am XXXX years old have minimal funds and these people call me all day from XXXX to XXXX on my cell XXXX XXXX and home XXXX XXXX - I have no way to contact my grandson - they call me with no respect to my health and threaten and try to intimidate me - I pay on every call that rings in on my cell -please make them stop ... .I 'm on the DNC list on both my numbers ... .the name of the firm is performance recovery .. 

Thank You XXXX XXXX XXXX XXXX XXXX Tx 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 2022-03-22
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-07-17
Company: Experian Information Solutions Inc.
State: AL
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 reporter act conversion XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX which has recently " verified '', EXPERIAN & XXXX are all reporting a collection account, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, ACCT. # XXXX IN THE ESCALATED AMOUNT OF XXXX DOLLARS FROM THE ORIGINAL AMOUNT OF XXXX DOLLARS ... .THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX AKA XXXX  XXXXTHE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a XXXX sales signup inside a XXXX store.What I signed up for was a XXXX dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to XXXX on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it. What XXXX /XXXX XXXX wants to do is perpetrate fraud and 1 ) overcharge on their service,2 )  '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country. So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.

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 2022-03-22
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: SC
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 went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

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 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 2022-07-17
Company: Experian Information Solutions Inc.
State: FL
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 following accounts has violated my rights. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
First and foremost i am submitting this complaint on behalf of myself. This company has failed to remove inaccurate and false information reporting on my consumer file.

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 2016-12-20
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: AFNI INC.
State: FL
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:
Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r  XXXX   XXXX  ) I 've been declined. I try calling  XXXX  to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But  AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to place a credit freeze with Equifax, but somehow they have merged my equifax credit with my deceased father 's equifax account. ( His name shows up on my account. ) The problem is, due to their error, I can not add a credit freeze on my Equifax file. 

I have tried to call in multiple times to fix this so that I can add a credit freeze, but their automated system will not allow me to speak with a live person, and it hangs up on me once I answer their automated questions. ( Since they somehow erroneously merged my account with my father, the answers I provide are triggered as incorrect. ) I havw also emailed Equifax multiple times to find someone who can help me fix their error, so that I can freeze my credit. I have had a couple of equifax eployees reply via email that I need to call in ( again, their phone system won't let me ).

I have asked on multiple times ( nicely ) to see if I can speak with a live person, but have not been connected to one yet. 

I can not afford to have my credit unfro, en this long .... I need to FIRST freeze my credit, ans then have equifax correct their mistake of merging my account with my deceased father 's equifax file. 

I am not mad, I'm just need this fixed quickly because it's jeapordizing my credit by not being able to freeze my credit. ( Especially with Equifax 's recent data breaches. ) Can you just help me get Equifax to correct their problem that is blocking me from putting a credit freeze on my account? It's crazy that they can, make an error like this but not help me connect with someone to help me fix this! 

Thank you so much, I appreciate your help very, very much. I've just worked VERY hard for good credit and their error is putting my credit and financial health at major risk. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: AZ
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:
Hello, I sent XXXX, XXXX, and Equifax explaining that the XXXX XXXX XXXX XXXX was a fraudulent account. I sent them an FTC report and a police report. 

All three credit bureaus have failed to uphold the law. The law is very clear and it states the furnisher must block a fraudulent account within 4 business days and notify all creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We recently used Universal American Mortgage Company ( UAMC ) that is owned by the builder XXXX. It was overall a poor experience, however we had XXXX issues that were concerning and unethical. The first issue was misrepresentation by the loan officer XXXX XXXX. When she pulled our credit for the loan she told us that my credit score had gone down and we would have a higher interest rate and MIP. This was incorrect - no credit score had gone down, XXXX of the credit reporting bureaus was not reporting and they would have to use a lower score. This resulted in a significantly higher monthly payment than previously estimated. 
The second issue was with the loan processor - XXXX XXXX, who is used by UAMC to process their loan appliactions. They required my husband to call the credit card company and required him to disclose his full credit card number and the answers to the security questions with the loan processor on the phone. If he did not disclose this information then they threatened to deny our loan. 
The final issue was that UAMCXXXX pulled my husband 's credit without authorization. When the issue was resolved with my credit regarding the credit bureau that was not reporting a credit score, it was agreed with the loan officer 's supervisor XXXX XXXX that they would pull my credit score. It was very clear that only my credit would be pulled and not my husband 's. UAMCXXXX pulled both my credit and my husband 's credit. When we found out that his credit had been pulled by XXXX XXXX we contacted UAMC immediately and they would do nothing to resolve the issue. My husband attempted to dispute the unauthorized credit pull by XXXX XXXX, but they would not remove the unauthorized credit pull from his 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 2022-03-22
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Citi savings account two weeks ago and deposited over $ XXXX from my other bank accounts ( XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX ). I made no withdrawals and never used the included ATM card. Today I was unable to access my account so I contacted Citi customer service and they informed me that my account has been blocked and marked for closure due to a " fraud suspicion '' that Citi was not allowed to disclose with me. The Citi service representatives would only say lines from a script about the account blockage & closure, stating that the " details of the procedure can not be disclosed with consumers ''. Several cycles through Citi customer service provided me with no more information about the status of my funds or my ability to recover them other than that I would theoretically receive a check in 30-60 days, but Citi would not tell me how much the check would be for, including the possibility it could be XXXX. It is 95 % of all my money outside of my IRA and now I'm unable to access it in order to pay my rent and bills for at least 30 days, with no guarantee that I will ever recover that money at all.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, ITIN letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my ITIN and Drivers License.

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 2015-10-28
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, Rushcard performed a so called update and stated that it would last for only a few hours. Unfortunately, the issue evolved into a much bigger problem leaving me without access to my funds or using my debit card for almost a week. I called Rushcard for a week straight and stayed on hold for over an hour with no resolution. I get paid on Fridays and my check did n't post until Saturday morning. Now my paycheck that I should 've received on Friday, XXXX, I would 've got paid again. However, today on Wednesday, XXXX, I still do n't have my funds on my card. My employer sent the deposit over and Rushcard has n't given me access to my funds.

Company response to consumer: Closed with non-monetary relief