BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with Experian ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?

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 2018-06-26
Company: HEAD MERCANTILE CO., INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently a debt of {$3000.00} for a medical bill appeared on my transunion report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. Transunion needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.

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 2021-01-04
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:
A listing of the companies that made inquiries on my behalf that i did not give permission. For example XXXX XXXX made 2 inquiries on the same date XX/XX/XXXX, it should have been one inquiry. XXXX XXXX XX/XX/XXXX, Credco made several inquiries:XX/XX/2020XXXX ( twice on the same date ), XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX I can not remember the date on this one. All of the above companies made this inquiries without my permission except for XXXX in which should have been one inquiry for my Solar Panels. May also add that all three Credit Bureaus were informed of this mistake and their answer was that that : '' I had to write to the creditors to have this inquiries removed and I was told to put a credit freeze on my accounts if I did not want anyone to check my credit without my permission. The inquiries were NOT removed by neither of the three Credit Bureaus. This is to name a few. Please do not include XXXX XXXX  XXXX XXXX, XXXX XXXX on the complaint.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-11-15
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX around XXXXi went to us bank drive up atm..I went to withdrawal XXXX in process it said unable to process transaction and then atm went down.I even took picture of atm.I called my bank while still St atm filed dispute and even went into bank to tell them atm went down but XXXX still was deductedfrom balance.teller told me file dispute nothing they could do.well us bank went give me my XXXX they said I got money but if they pulled camera they would see different.this is not right

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 2022-10-11
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account has been permanent limited, i dont know what happend. 

I never been involve in any dispute or fraud activity. 

I wish to get help is anybody will able to help me fix any issue XXXX Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Back in XXXX we began the process to modify our 2nd mortgage. We had a balloon payment that was coming due in XXXX and unfortunately we were unable to refinance due to diminished property value. When we began the process we were ASSURED and then REASSURED this would NOT affect our credit and only then did we proceed with a modification. We pride ourselves in our good credit and have never missed nor been late on payment. 
The modification was eventually approved. Yesterday ( XXXX ) while being provided with the details of our new loan, I was told this would affect our credit severely. Even though the first payment was not due until XXXX this would be considered 90 days delinquent and reported as such. I offered to make the first XXXX payments in advance ; again I was told there was nothing they could do. The representatives acknowledged multiple times that the account was current and that her system reflects a perfect payment history yet there was nothing she could do. She indicated that SLS has 'most likely ' already reported to the bureaus. I 'm writing to request regulatory assistance. As I understand. FCRA Section 623 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reasonable cause inaccurate '' meaning having specific knowledge, other than solely allegations ( ie documented payment history ) by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Based on this, SLS is in direct violation of FCRA and needs to be held accountable for this fraudulent and unfair practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
We feel behind on our mortgage payment. All lenders we asked to not report late payments during the pandemic. We set up payment plan but Carrington still reported the the late payments. Due to this we cant get our mortgage payment lowed due to these late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX a creditor debited my account for {$270.00} which cost me an overdraft. I called the bank and told them what was happening and the were refunding me. Before I could get refunded the company debited my account for another {$270.00} on XX/XX/XXXX. So on XXXX XXXX I received part of a refund and then the rest on XX/XX/XXXX. At that time I had talked to the bank 3 more times explaining the situation. The last time they refused to go to XX/XX/XXXX where the problem started so they could keep my overdrafts. There are XXXX overdraft and XXXX extended. I would be {$830.00} in the black if they refunded all. They refunded XXXX, which did n't get me from overdraft. Do n't they have to keep correct books on your accounts? Or can they just take what they want when they want. Everything that is social security direct deposit and I have gotten paid twice @ {$1300.00} each. The have gotten all of that and I am still overdraft of {$640.00}. I would like for everything to go back to XX/XX/XXXX and replace all the money they took with malaise of forethought for a struggling XXXX on XXXX. They were causing me terrible stress because I missed 2 payment of my car and the company was going to repo it. I hope you can help me I have no other place to get it.

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 2016-02-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX Complaint : Mortgage Servicer I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the XXXX. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with the filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been served with an income execution from XXXX XXXX sheriff concerning a judgement supposedly filed XXXX. It is from an attorney representing Midland Funding , LLC. I have never received a judgement for this. I have written a letter to them requesting a copy of the judgement today. Also, they have taken and amount of {$9800.00} from XXXX XXXX, 2007 and now say the amount owed is {$19000.00}. How can this be? There is no record of a judgement on my credit report either. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Transworld System Inc. placed a collection account for {$310.00} on my credit report without sending a letter to me. 

I have no knowledge of this account as it seems that Transworld System Inc. purchased this account from another creditor. Transworld System Inc. violated the FDCPA Collection Practice by placing this collection account on my credit record without notifying me in writing. 

I request that you please verify the following information:1. Full original account number. 
2. Date original account was opened. 
3. Any written agreements between myself and the original creditor stating that this debt is owed. 
4. Full account summary on how these charges added up to {$310.00} and an itemized calculation of alleged debt. 
5. Date of first delinquency. 

If Transworld System Inc. is unable to provide the above identifying account information, this information must be deleted from all CRAs. 

Transworld System Inc. also failed to follow FDCPA giving the consumer time to dispute or validate the alleged debt within the allowed XXXX-day time frame that is allowed by law. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: Their investigation did not fix an error on your report

Complaint:
There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, XXXX, and Transunion report under the account named ( they have incorrect account numbers as well this should not be reporting ) this account was reported from XXXX it is XXXX. 

XXXX  XXXX  XXXX XXXX  Account Number : XXXX Transunion Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions 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:
XXXX XXXX XXXX opened XX/XX/2018 is unrecognizable to me. I have never done business with them

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 2021-06-16
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2017-02-20
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Yet again US Bank has fraudulently posted a charge of XXXX from XXXX on my account despite having information A. That amount was never authorized in the first place and B. The item was promptly returned with documentation provided via XXXX tracking XXXX. 
US Bank lied and denied they received this information. 
I am tired of the lies, deception, false statements, and bad faith being exhibited by this vicious bank. Am trying to close this account out and they continue to try to attach false charges to it. I want the XXXX plus interest refunded to this closed account immediately. 
The bank is prolonging the process of settling the closing of all monies owed fraudulently and want this to stop. I will stop making payments until they stop this behavior and will file suit in small claims court.

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