BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( XXXX XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched Experian Dispute XXXX  has Certified to Experian that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!

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 2021-05-19
Company: EQUIFAX, INC.
State: CO
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: Other problem getting your report or credit score

Complaint:
Equifax Credit bureau is my problem. They removed my credit score because I was reported deceased on my oldest account. My grandmother and I had the same first and last name and she passed away 11 months ago. Somehow, our profiles were connected. My credit card company XXXX XXXX  XXXX ) and I have filed over six disputes. I still can not see my credit score. Ive called over 100 times, literally since XXXX only for the problem to continue. Even after Equifax has been notified and aware of the error, 2 accounts was added in error which I had to dispute in order to have it removed. My oldest XXXX  XXXX card has been added back to my report but still showing closed. Removing that account deleted over 5 years of excellent payment history. It damaged the score I did have prior to the score being completely removed. I work so hard to come thus far only to have this happen. I just want to see my credit score which I have not been able to do since XX/XX/2021. I keep being told to just wait 30 to 45 days when following up. Today I was told that I needed to purchase a subscription with Equifax to see my FREE credit score. I did purchase it on myequifax.com and I still cant see my credit score. I am getting completed dispute letters saying my report is being updated but I still cant see the changes or my score. Why is this happening to me? I keep asking for a US representative when I call but keep getting foreign representatives who dont understand me. This has been the most emotional, hurtful, stressful and disheartening experience Ive ever had. I understand mistakes are made but its been months. I just want someone to help me. It has been extremely difficult to keep telling representative, after representative, after representative .... that my grandmother is no longer here. This is a consistent reminder of the pain I feel in her absence. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving letters and phone calls from collection company over a debt that is not mine. When first received letter I called the company to obtain information on the debt. I told them I was not the person they were trying to collect from. I had never lived at that address and have never had XXXX insurance. The person taking the call said she would remove my name, address, and phone number from the collection. She stated that had sent several letters of collection to everyone in state with the same name. I have since received 4 more calls and have called them twice more each time they have stated that my information will be removed and letters and calls will cease. Again today I have received a call from the collection agency. At this point I am considering it harassment for the continued calls on a debt not incurred by myself. I have received or returned 5 calls to them since collection letter and each time they tell me they are removing my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
TransUnion is reporting on my credit that I have an account with XXXX XXXX  I have no knowledge of that account at all. I contacted both TransUnion and XXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
TransUnion also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why TransUnion would say I do. 
Also XXXX is reporting a fraud report and so is XXXX XXXX and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.

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 2020-07-13
Company: Mr. Cooper Group 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:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called them for the past 3 months due to them misapplying my payments and come the due date, it shows Im past due. I have over paid by what is due each month and have called in but i have to do this each month even though I have been told this would be corrected. It still has not been corrected and I still have to call in to avoid late charges. I already told them last time I dont want to call in each month, this has already been escalated to their emr department. Their emr department was to call me by Friday. A phone number was provided but apparently they didnt use phone number provided and used home phone number and they mentioned someone picked up amd hung up on them. Really? I attempted today to call XXXX who was to be the emr rep assigned. He wasnt available so i chose to leave a message however after the automated system transferred me to his mailbox, his mailbox is full and cant accept new messages so it then disconnected me. This whole thing is beyond frustrating. I called into customer service and they said they need to transfer me to an emr rep. I spoke with a XXXX. He claims that he will address this and have taken care of once and for all, however being as what i have went through thus far you can see my frustration and lack of confidence that this will be rectified. This is now my 3rd complaint about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Medical Data Systems, 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: Old information reappears or never goes away

Complaint:
I am a XXXX XXXX veteran with a XXXX XXXX  XXXX rating. Medical data systems has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove  these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX  XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 ) XXXX XXXX XXXX XXXXt {$63000.00} 12 ) XXXX XXXX XXXX XXXX {$20000.00} 13 ) XXXX XXXX XXXX XXXX {$42000.00}

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 explanation
Consumer complaint received 2017-01-09
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX invoiced me without submitting to my insurance company. I submitted the claim and my insurance covered 100 % ( the full amount was discounted according to my insurance company ). XXXX XXXX has sent the full amount to collections. I have repeatedly sent the explanation of benefits to the collections agency and XXXX XXXX and they continue to harass me for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-03-03
Company: First Data Corporation
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2016, I wrote a check number XXXX to XXXX XXXX in the amount of XXXX. The check was returned for NSF. The check was presented a second time to my bank and clear on XXXX/XXXX/2016. I was never contacted by XXXX XXXX, Telecheck, or TRS Recovery Service. I considered this incident closed. I subsequently attempted to write a check at another merchant and that check was declined. When I contacted the XXXX number provided on the declined check, I was routed to TRS informing me that I owed a debt of XXXX + XXXX for returned check fee. I was also informed that no further checks would be approved until this debt was satisfied. I informed them that the check had been resubmitted and the full amount had been debited from my account on XXXX/XXXX/2016 so therefore there was no outstanding debt. They indicated that it would take at least 10 business days for the status to update and during that time, no checks would be approved by Telecheck. I spoke to a supervisor at Telecheck and was informed that I should fax proof that the check had been paid to their " resolutions '' department. I did that on XXXX/XXXX/2016. On XXXX/XXXX/2016, I spoke with XXXX different representatives from Telecheck who still maintained that my account was showing that there was an unpaid debt despite receiving information showing that the check hand been paid. They indicated that even though the information had been submitted to the resolution department, it would be XXXX30 days for them to " research '' the matter and during that time, my checks would be declined at any merchant that uses Telecheck ( which is essentially ALL merchants since most merchants in my area use Telecheck ). I was told that if I paid the debt directly to TRS that day, that my account would be updated within 24 hours and my checks would start being approved on XXXX/XXXX/2016. Because I rely on my ability to write checks, I was coerced into paying the XXXX + XXXX for a total of XXXX to TRS in order to clear my account and provide me with the ability to have my checks approved again within 24 hours rather than having to wait the XXXX30 days it would take for Telecheck to " research '' and update my file appropriately. Because of Telecheck 's refusal to update my record in a timely manner, I have now paid the same debt twice PLUS and additional XXXX NSF check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied for a " construction to permanent '' mortgage at Regions Bank through XXXX XXXX ( XXXX XXXX ). I was seeking this loan to finance a home build for my family. I applied via a hyperlink provided by XXXX XXXX, and submitted my SSN/other personal identifying information to begin the process. This resulted in my credit being pulled by Regions Bank that day ( XX/XX/XXXX ). 

On XX/XX/XXXX I supplied XXXX XXXX a signed builder 's contract and house plans, hoping to continue the application process where I would eventually receive an official 3-page Loan Estimate. This official Loan Estimate is required so I may properly compare Regions ' mortgage offer with similar lenders. My home builder ( XXXX XXXX ) then supplied XXXX XXXX with all required forms so they might be added to Regions Bank " approved list of builders ''. 

On XX/XX/XXXX XXXX XXXX at this point asked me to fully " commit '' to the bank before moving my application forward. As I had not yet received an official Loan Estimate, I was not comfortable " committing '' to the bank at that time. I informed XXXX XXXX that I was committed to continuing the application process, but I reserve the right to back out at any time prior to closing. XXXX XXXX then replied that he refuses to proceed with the application because I was considering other lenders aside from himself & I would not " commit '' to Regions Bank. 

As of XX/XX/XXXX XXXX my credit was pulled a week ago and all requested documents to XXXX XXXX were submitted, yet he still refused to move my application forward. This is prohibiting me from receiving the official, 3-page loan estimate that I'm entitled to via the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ).

Being required to fully " commit '' to a bank before receiving this document is not only unethical, but violates my lawful rights. I politely ask that the Consumer Financial Protection Bureau look into this event to ensure it happens to no one else.

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 2022-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date Assigned XX/XX/2019 Account Number Open PORTFOLIO Recovery Original Amount Owed {$440.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Philips & Cohen contacted a family friend who is elderly ( XXXX yrs old ), recently lost her husband and is not linked to the debt in any way. They obtained her information via my credit file because her information is linked to me as a co-signer on a personal loan through a local bank that does not have anything to do with the credit card debt through XXXX that they are attempting to collect. I never supplied this person 's name as a contact or gave anyone permission to contact anyone on behalf of my debt. They called twice, the XXXX time when she answered the automated system asked if she were me and she pressed the key to indicate that it was n't me. The next day a live representative called her and stated that she was calling from Phillips & Cohen, she indicated that I do not live there and she does not want to receive any calls from their company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My loan with RoundPoint Mortgage closed on XXXX/XXXX/2016. At that time I had an escrow balance of over {$5700.00}. My loan # XXXX stated in paragraph XXXX " Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. '' It has been sixty days since closing, I have been told over 4 times that the check for my refund has been mailed. I have been given the run around by multiple RP employees or contractors all to no avail. From what I can find out, this is a common practice of RP Mortgage. Someone needs to investigate them and end this shameless practice. I never missed a payment to them and wonder what they would have done is I had for 60 days.

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 2017-01-30
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've contacted company on several occassions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Rocky Mountain Service Bureau, Inc
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-05-16
Company: First Data Corporation
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.

Company response to consumer: Closed with explanation