BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/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 2016-10-24
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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'm just going to be very blunt, I'm exhausted by the extent of required time and diligence for witch I was very unprepared for the long term commitment to finally get the opportunity to file a report of my identity Theft witch I have just been forced to get used to the difficulty of the impact of life changing proportions. I was looking for a valid way to check on my credit report and I subscribed to Experian credit monitoring a Application available on the XXXXXXXX XXXX XXXX and I paid for the reports of the Three major credit bureaus and the reason for witch I absolutely have to submit this complaint is the obsurd details of data that supposedly was found in the investigatory alerts for witch I was very much not satisfied with to be credible to be of existence. My current phone number wich is not more than a year or so old was literally in the different types of instances to be dated to XXXX and my phone number as part of the data for witch the alert was generated and the other types of repetitive consequence instances of the same XXXX XXXX as the carrier witch suffered a breach and the personal is information to my account was exposed. Other types of details that are not related to credit bureaus such as background checks for witch I have performed on my self back to XX/XX/XXXX and XXXX individuals that have used my identity and my imidiate family are all linked to certain individuals that I was able to verify that it is factually correct. But the reports were very much peppered with none specifics for the consistency of the integrity of the credibility of the service to provide a full itemized format for witch I have obtained in the past. The reports were just Very Short and a very unethical false advertising for service such application to a a very important aspect of credit bureaus standard for witch I cancelled the subscription and I was not entitled to a refund. I reported it to the developer and I contacted the corporate office to Experian and summit my complaint to the representative for witch I have not heard anything from. I have continued to receive emails from the cancelled subscription and I am very apulled that the necessity to get such a accurate report of my credit is not a gambling shopping experience that is not a abnormal requisite to aquisiton of witch is federally requested and I have the right to exercise the request for a valid report not a gimmick. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor has referred my account to collections and I am receiving multiple daily calls from 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
To whom thi s may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (   XXXX   XXXX   TransUnion )  are neglecting to verify the accounts properly to determine which ones are duplicates or   original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

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 2016-11-22
Company: Gurstel Law Firm, P.C.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, XXXX and transunion Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with 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 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
i have opened credit line with BOA since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt 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 monetary relief
Consumer complaint received 2017-02-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX Client was approved for {$4400.00} in XXXX funds. {$1700.00} of the approved amount was applied to the Client 's delinquent property charges and {$2600.00} was set aside for anticipated tax and/or insurance payments. In XXXX XXXX Client received her XXXX property tax bill in the amount of {$1000.00}. On XXXX XXXX, XXXX we called Financial Freedom and confirmed that {$530.00} of XXXX funds remained in Client 's escrow set-aside. During the call Financial Freedom directed us to submit a written request so that the set-aside amount can be applied towards Client 's property taxes. A written request was submitted to FF that same day. On XXXX XXXX, XXXX we called Financial Freedom to find out a status of the property tax payment - FF advised that the set-aside balance was applied to Client 's reverse mortgage loan balance. Financial Freedom acknowledged that it received Client 's written request to apply the set aside funds towards her property taxes BEFORE Financial Freedom applied the funds towards Client 's loan balance. Financial Freedom 's explanation for applying the funds to the loan balance, rather than the property taxes, is that Financial Freedom is not allowed to hold the set aside for more than one year and that any XXXX funds held in the set aside for more than one year must be applied to the borrower 's loan balance. This statement/reasoning directly conflicts with the XXXX approval letter which specifically states that " the funds for the anticipated property taxes and insurance cost will be held in a set/aside escrow account by your servicer/lender for the express purpose of paying taxes and insurance until the funds are depleted ''. 

Moreover XXXX funds are a loan and the client has to give a mortgage. Client is not receiving the benefit of the loan. Applying the funds that the client is entitled to use towards her proeprty taxes and insurance towards client 's loan balance does not benefit the client in any way and the client may be at risk of defaulting on the reverse mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Alameda Mortgage in CA closed a loan XXXX. XXXX XXXX I closed another refi. I canceled the loan within the 3 day period and gave them back XXXX of the XXXX cash out and XXXX in cc payoff, so all money returned less XXXX in actual damages they caused me. Alameda has resold the loan to the money source. Alameda never communicated with me except to bill me for new loan. The sent their att to harass me and extort XXXX or no cancelation. XXXX in tax n ins they never paid was requested or no cancel. I sent in payments to 1st loan on checks and electronically with loan id and month and p+i. The payments were applied to loan 2. I canceled a check, they knew, they sent it to XXXX XXXX XXXX as payment on loan 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
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:
XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, Experian and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with 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 2021-08-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report In acceance with the fair credit Reporting XXXX  act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Collection Agency GENESIS CREDIT MANAGEMENT LLC Original Creditor Name XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX GENESIS CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DateMay XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX  AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX DateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX DateXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying for almost 4 weeks to get a Reverse Mortgage thru Security One and the process is being held up because there is a lien release that was never processed by Chase. Security One has asked Chase on XXXX separate occasions. Twice they have claimed to have never gotten the request and the third time they said they can not locate the loan or it 's existence and need another 15 days for research. They have been asked all three time to rush this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed around XX/XX/XXXX according to what Bank of America told me, but it wasnt closed it was frozen for about a month and every time I called they will tell me that my account is closing and my money is frozen. So now my account has been locked since they and was closed XX/XX/XXXX I am finally waiting for my check to be mailed for my remaining balance and now they tell me that my remains funds are in the back office under review. Its been around 3 months since I was able to log into my account and they are holding my money.

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 2022-11-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citibank personal banker opened XXXX unauthorized credit accounts, XXXX for myself and XXXX for my wife.

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