BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: Medical Data Systems, Inc.
State: NC
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 have opened a dispute in the past repeatedly about Medical Data Systems and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports forXX/XX/XXXX form XXXX  as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting. 
Company : Medical Data Systems Inc updated XX/XX/XXXX with no changes having occurred Company : XXXX XXXX  updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.

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 2021-04-22
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX said opened a account on XXXX XXXX 2000.I did not open an account then nor do I have one now. They say I owe {$7400.00}. I have no idea what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX  and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that 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 2017-05-30
Company: EQUIFAX, INC.
State: MI
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 have  XXXX  tax liens listed on each of my credit reports, dated  XXXX ,  XXXX ,  XXXX . I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from  XXXX  should be taken off my reports, if not all of them. But they still remain on my reports.     I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $  XXXX  of their products to do so, and have gotten no where in actually contacting a human to fix this error.     Please assist, thank you. I can share a screen shot from a  XXXX  report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
I have repeatedly asked for a bill which they send rarely. So a rep calls and tells me my payment is XXXX. I pay XXXX for 2 months but still get charged a XXXX late fee both months. I call and another rep says my bill was XXXX a moth so i was charged a late fee for the XXXX. I explained what he told me. She said sorry. Again, no bill for the 3rd month but a late fee. I asked if it was n't my fault and because their rep gave me the wrong info and they wo n't send me a bill, thats XXXX in 3 months. They have even locked my card over a XXXX payment having me go the bank to show my ID. My credit limit was XXXX and my bill was only like XXXX. But because I had n't used my card in a while. Its always some kind of fee. So how many people are they charging late fees to without sending you a bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loan information for :  XXXX   XXXX   School  :  SCHOOL CODE FOR CONSOLIDATION LO ANS Enrollment Status : WITHDRAWN as of   XX/XX/XXXX   Loan Type :  FFEL CONSOLIDATED Loan Period Be gin Date : Loan Period End Date : Total Borrowed : {$42000.00} Outstanding Principal as of   XX/XX/XXXX   : {$200000.00} Outstanding Interest as of   XX/XX/XXXX   : {$690.00} Interest Rat e : 9.00 % Loan   Disbursement Date Disbursement Amount   XX/XX/XXXX   {$42000.00} The above is my issue. I have never made enough money to afford to live and repay my student loans. The loan has ruined my life. I can not get a loan and m y credit score i s low because of the large outstanding balance which has been increase t imes 6. At the  time that I borrowed, the interest rate was n ot 9 %. I will  never be able to repay this loan in my lifetime. Can you please help me to negotiate with the loan complany?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ERC ( enhanced recovery company ) has been calling me from spoofed numbers. They are trying to collect a debt from XXXX that I Incurred in XXXX and that was discharged in bankruptcy in XXXX. The collections agent named XXXX told me that it was impossible for the debt to be discharged in bankruptcy because it went delinquent in XXXX. 

He threatened to put the item on my credit report. Again the debt was discharged in bankruptcy. I have since opened an account with XXXX for cell service that is in good standing. If I had bad debt with att I would not have been able to open cell service with them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: RELIANCE FIRST CAPITAL LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
While shopping for a loan for a refi, potential lender pulled my credit without permission or authorization. At no time during the conversation was I asked if I authorized a credit pull.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: CCS Financial Services, Inc.
State: AL
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:
Had damage to my auto, and filed a claim with XXXX in which XXXX charged me XXXX deductibles {$500.00} each. Cancelled my auto policy with XXXX, and there was a {$19.00} cancellation fee assessed. Insured made payment arrangements with XXXX due to the fact that I needed my auto fixed where I had to pay {$1000.00}. Insured paid this account in full, and I do not know why Credit Collection Services ( CCS ) has sent me a notice for this payment. XXXX assumes CCS has placed this bogus collection notice on my credit reports and is demanding immediate deletion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2016-05-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I just got my first credit card ever in the mail from XXXX. I looked at the free credit scanning program included with my card, and saw that I had a Sears Credit card with a balance of {$1400.00}. I have never owned a credit card from Sears. This charge needs to be removed immediately. I suspect my identity has been stolen.

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 2019-06-10
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
Account has been paid off since XXXX of this year but its still reporting on my credit and 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 2017-05-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Equifax continues to provide inaccurate information by reporting an account listed as : "  XXXX   XXXX   XXXX  '' in the amount of {$570.00} twice as derogatory ( collections ) on my account. This is the same account listed twice and is not mine. The reporting of this inaccurate information not once, but twice on the same report has resulted in lower scores and financial loss for me.  <P/> Additionally an account listed as  XXXX ,  XXXX  for {$100.00} has been reported and investigated in the past and still reports even though Equifax has been provided with proof of paymen t ( re ceipt to   XXXX   XXXX   for {$100.00} ) showing their subscribe r (   XXXX ,  XXXX   )  is proving false and inaccurate information. The information can be confirmed with Billing at  XXXX   XXXX  at  (   XXXX  )  XXXX - XXXX  Attn :  XXXX   XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XXXX XX/XX/2022 I received an email from notify@chime.com informing me that the email address associated with my account had been changed. The email addressed me by my mother 's name, not mine. Additionally, I was not aware I had a Chime account so I was very concerned this could be some kind of scam or phishing attack. 
That same day I replied stating this was an unauthorized change, to freeze the account, and to apprise me of the situation. 

On XX/XX/XXXX I realized I had never received a response from Chime. I resent the email to their standard support address. 

XX/XX/XXXX I received a boilerplate response that I would need to contact them from the email address associated with my account ( which was what was changed by whoever was trying to hijack my account ). Otherwise I could submit my photo, government id, and SSN to verify my identity. 

XX/XX/XXXX I responded with my refusal to provide my personal information on the basis that they had originally called my by the wrong name and I did not trust who they were. 

XX/XX/XXXX They sent another boilerplate e-mail reiterating their desire for my personal information XX/XX/XXXX I sent an email asking for my issue to be referred to a fraud or oversight department within their company, or if there was a financial regulatory organization I could contact instead of running into their brick wall of boilerplate responses. 

XX/XX/XXXX I received yet another boilerplate response stating that they need my personal information. 

Chime has refused to have any meaningful communication with me and I refuse to provide them with my personal information as I do not recall the creation of an account and they are calling me by the wrong first name. The fact remains that they have an account that was until recently connected to my email address and they have allowed a third party to take control of that account. Despite my appeals that this issue be referred to a department that can actually investigate the issues I have been refused any assistance and have received nothing but copy and pasted responses from Chime member services. 

I think my least favorite part of our e-mail chain was when Chime wrote that " We do not change our customer 's email address without receiving the confirmation and required documents to protect our customer 's account and personal information. " Which, if that was indeed the case, this issue wouldn't be occurring in the first place because this all started based on them informing me of an e-mail change, and I don't believe anyone has a picture of me holding up my id in one hand and a piece of paper with the date in the other. Nobody had that to change my email originally, and yet it was changed just the same...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX and Im a consumer/ natural person submitting this complaint on the behalf of myself without any involvement or influence from a third party.

TransUnion committed fraud on my consumer report and I did not consent, nor authorize these unauthorized accounts nor hard inquiries on my report, I demand that TransUnion remove the unauthorized accounts and hard inquiries immediately thats shown in the attachments.

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 2022-07-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In reference to XXXX XXXX ending in XXXX. I have asked for reporting information to be reviewed because it is not accurate. I have reached out to the CEO and CFO. My request was denied. I have never missed a payment. I have always paid monthly. I did make a mistake in payment amount for XXXX. Im asking that my report reflect all payments made and consideration be given for the mistake in payment amount. I never meant to be short {$6.00}. It was an oversight that I corrected the instant I was made aware of my mistake.

Company response to consumer: Closed with explanation