BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: The CMI 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:
XXXX XXXX XXXX falsely reported a debt owed to Credit Management XXXX of XXXX TX ( XXXX XXXX ). I was contacted by Credit Mgt and responded with documentation that I did not have unpaid debt or service for the dates indicated. Credit Mgt 's response was " We have verified your debt with the client '' and then an additional fee for a router that I never had was added to the original demand for payment. Credit management then reported me to all three credit reporting agencies as a delinquent debtor based on their false information and failure to diligently investigate the information I provided Credit Mgt with. Further, and this relates to the original creditor, XXXX XXXX services, when I telephoned their 'customer resolutions ' phone number -- which was the only way they allowed a cancellation of service -- I was advised that my credit would be 'ruined ' if I tried to cancel service. I know this seems incredible, but when I used the XXXXXXXX XXXX, I found other instances of XXXX  using this same tactic with Credit Management XXXX to retain subscribers. XXXX proudly advertises " No Contracts. '' For me, that meant my service went from a starting rate of {$49.00} to {$99.00} within a short period of time.

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 2022-07-18
Company: PLANET HOME LENDING, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX, and purchased a XXXX XXXX policy on the home when I purchased it, paid through the title company. In XX/XX/XXXX, I switched carriers to Openly and paid the balance myself. XXXX XXXX sent a refund. On XX/XX/XXXX, I received a letter from the people my bank sold my loan to, Planet Home Lending, which stated they paid the new insurance policy premium. I called XX/XX/XXXX and was told it was due to them receiving a bill, however, my insurance company states they sent a XXXX dollar invoice notifying them of the change. I called Planet Home Lending again on XX/XX/XXXX and they are saying they submitted payment despite acknowledging that the letter was XXXX dollar balance due and they had XXXX regard for spending my money from my account without even looking at the balance due. Now I'm left holding the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In regards to account number ******* with Texas XXXX XXXX XXXX : Payment to Texas XXXX was paid and accepted in full from XXXX XXXX XXXX. After speaking with several representatives, I have been getting nothing short of the " run around ''. In my most recent call, I was told to contact the insurance company directly to verify the payment was made. I informed the representative that this had already been done, the check was sent to Texas XXXX, and is showing as cashed. On XXXX XXXX, XXXX, my account was placed in collections with CMRE Financial Services. They are now attempting to collect a debt that does not exist. Neither company will directly contact each other to resolve this in a timely manner. As of now, I have been assured by Texas XXXX that they would take me out of collections effective XXXX XXXX XXXX, but this withdrawal from collections is temporary until this issue is completely resolved. I have had multiple conversations with Texas XXXX where they have promised to take care of this situation, but so far have failed to do so.

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 2022-07-18
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 BANK # XXXX. 
Account XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account 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 a 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 2019-11-26
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: 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 {$4500.00}.

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 Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

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 2018-01-25
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, request that the following accounts that I mentioned below be incorrectly reported in my credit reports, XXXX XXXX XXXX # XXXX reported as open with loss balance of {$480.00}, XXXX XXXX XXXX # XXXX open collecting a balance in loss be investigated and corrected. of XXXX XXXX balance {$1400.00}, Pr Telephone # XXXX reported open at loss balance of {$520.00} As a result of the investigation made, these incorrect accounts still report my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, my name is XXXX XXXX and I have a mortgage under Citizens One. From when I opened this loan in XX/XX/XXXX to now in XXXX I have been flawless with my payment history and never missed none. On looking at my credit report there was XXXX late payments in XX/XX/XXXX and XX/XX/XXXX which I am 100 % sure I never missed also, I have my mortgage on autopay so this is impossible as to how I was late on my mortgage and never paid my mortgage. I am trying to get my credit fixed up as I am going for another mortgage loan and need this data corrected. Also, I am for certain that there was program going on around the period so these late payments I need cleaned up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: PA
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:
For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX XXXX XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer 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 2015-09-09
Company: Firstsource Business Process Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The XXXX card was through XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
i had to choose one of the above -- the agent did not use obscene or profane language -- just tried to use intimidation tactics- when she was asked for documentation of the underlying debt- see below I was authorized by my mother to try and settle this debt-my mother did n't remember ever getting the att alarm service this stem from- as she has had XXXX since XXXX when i asked to verify the debt XXXX at sunrise debt- said that if she gives me that information- her settlement offer will be off the table and the full amount would be due- and that she would make a note that i refused to pay the debt. i am not even the debtor- my mother is.. then i asked for a supervisor - she said she had none- i got a bit upset- may have taken a bad tone and it took much work to finally get her to let me speak to XXXX- her manager- i explained to XXXX- that her age XXXX threatened to not settle the debt -- just because I asked for something that i was legally entitled to .... the phone number for sunrise is 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 2020-03-19
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see a collection amount of {$410.00} on my credit report that, I believe, is not owed by me. XXXX XXXX XXXX has continuously billed me and indicates my original account number as ending in XXXX indicating also the original creditor as " SYNCHRONY BANK TJX ''. I sent a written letter to Synchrony Bank asking for details on charges incurred when the original purchases were made indicating the information I got from XXXX XXXX mentioned above. The response I got from them however, says they are researching their account " ending in XXXX, a BananaCard account ''. Then they apparently forwarded a letter to XXXX ( I received a copy of the supposed communication from Synchrony to XXXX ) saying their TJX account ending XXXX was indeed delinquent, and that the amount owed at the time of sale to XXXX was {$410.00}. Since I didn't receive a satisfactory complaint from Synchrony, and am back where I started, filed a complaint with the CFPB via their agent. Synchrony then responded with a message stating the delinquency is correct. However, the detail attached to their response shows a person name XXXX XXXX for an Old Navy account ending in XXXX. This is clearly for a different person and account. 

My name AGAIN, is XXXX XXXX, not XXXX XXXX. The account shown on my credit report is TJX ending in XXXX. I need a response as indicated below : 1. Copy of original credit card application 2. Statements indicating the exact charges for purchases, location of the purchase ( online or physical store ) 3. Dates purchases were made 4. Clear detail for the method used to arrive at the amount owed of {$410.00}. 

I have attached two files. The first shows the latest information uploaded as evidence of " resolution '' in response to my last CFPB complaint. The second, is the history so far, showing the XXXX claim, my letter to Synchrony trying to get to the bottom of it, and their response about some random other account ( ending in XXXX ) which is not mine. 

Once I receive the CORRECT information, I will respond appropriately and promptly. 

Thanks. 

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 monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
X/XX/17 .  I went to   XXXX   XXXX   XXXX   and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then  two  weeks lat er  X/XX/17  I went b ack to the branch and rewrite my contract and i got another alert stating that   XXXX   XXXX   XXXX   did another credit inquiry. I do n't like this idea at all .It affecte d my credit score. I was n' t informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance

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 2017-02-17
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon reviewing my credit report, convergent outsourcing has reported a debt o f {$2100.00} on my XXXX report, account # XXXX, i do not owe this debt and i have not received any debt validation from the collection agency or the creditor, i therefore ask the company to provide proof of debt validation or said contract that itemizes the accumulation of such debt within 10 business days and to remove inaccurate, unverifiable information from my XXXX report, in accordance to fair credit reporting act. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and Transunion and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not 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 explanation
Consumer complaint received 2022-07-18
Company: R.T.R. Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son is XXXX XXXX XXXX, has his own medical insurance and is currently in a billing dispute in the amount of {$400.00} with XXXX  XXXX XXXX regarding some tests his XXXX ordered. I am not a guarantor of his payment obligations to XXXX. XXXX. He is, of course, of majority age and notified them that I wasn't a guarantor. Nonetheless, I received a demand in XXXX from XXXX. XXXX for the {$400.00}. Additionally, in their demand I am concerned XXXX. XXXX violated my son HIPPA rights as they disclosed to me his medical records. 

I tried calling XXXX. XXXX, left a message and got no response. This occurred while my son was making a good faith effort to resolve the matter! Rather than responding to me, I just received a demand from a debt collector for the full amount. And again, my Son is actively engaged in discussions to settle the matter, yet XXXX. XXXX went ahead and either sold the claim or hired a debt collector to attempt to collect from me! This is an illegal demand and I am deeply concerned XXXX. XXXX is engaged in this practice with other patients. 

I have corresponded with the debt collector and XXXX. XXXX asking that they notify me in writing informing me I have no responsibility in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX 2015 I received a package in the mail from Ally Financial letting me know that I was identified as an eligible customer for a discrimination settlement. I returned the package as indicated.XXXX I never got my payment. I called back in XXXX, and they said the payment was mailed to my old address, they updated my information. However I never got the check, I called again in XXXX, and they said that they are reiissuing the check again, but never got it, I have emailed and called them and they never follow up, they forward me to voice mails and they never return my calls. I called today again, and they have not returned my calls yet nor have I received my compensation. Very rude, and poor customer service, very dismissal. I did n't ask for this situation I think they should be able to help me and find a solution to this situation.

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 2019-03-10
Company: U.S. BANCORP
State: IL
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:
Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

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