BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX PA {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX. .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in XXXX and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did XXXX would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am physically and to a lessor degree XXXX XXXX. I have Medicaid, Medicare, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
XXXX  would not even let me file a Dispute against XXXX only after I filed with TransUnion did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address

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 2023-08-01
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: GA
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:
During the timeframe of XX/XX/XXXX up until XX/XX/XXXX. I have made contact with Equifax regarding fraudulent inquiries listed on my credit report. I have spoke with agents, supervisor as well as management in what they call their consumer affairs department. I was told to file a police report and or FTC report. There was no specific details on how I was to file either report. After faxing over documents in XXXX of XXXX I was told numerous of times that my documents where not visible. I continue to resend the documents via fax. During the month of XXXX I was told that they see the documents however my documents are not valid. I question that statement. I was hung up on, transferred to survey and put on hold for hours on many different occasion. One agent finally told me that the FTC would only be consider valid if I have five accounts listed. I then went on to correct the FTC and mail in by certified mail the FTC, police report, utility bill, and my drivers license. I called once I seen my documents had been delivered on XX/XX/XXXX. I made contact with numerous of agents on XX/XX/XXXX who stated that my documents had not been received although the tracking stated delivered. I have continued to reach out to Equifax to no avail and under the fair credit reporting act Equifax had 30 days to remove all fraudulent information from my credit report but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
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 number 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXXAccount number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: PA
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 sent my FTC report, PA license, and 15 USC 1681c-2 to XXXX, XXXX, And Equifax through certified mail. I requested to block the fraudulent information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-01-15
Company: Atlanticus Services Corporation
State: GA
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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX exactly at XXXX I was basically forced to withdraw XXXX $ out of my account even though I only had about XXXX XXXX a masked guy approached me next to the atm and told me that he needed help to get his money, he told me about 3 times I dont mean no harm to you I just need to get my money, as soon as I heard those words I got scared because he was masked and I didnt know wether he was armed or not, I did as he instructed me and acceded my atm using XXXX XXXX, he processed to insert a paper into the atm ( at that time I had no idea what it was ) he clicked no print and told me, now go ahead and withdraw it, so I did, handed him the money and he left, I called chase and they told me to wait for the unknown paper to clear because until it clears they cant tell me what it, since I needed that to file a police report I waited for it to clear, about XXXX days later it cleared and they told me it was a money order and I proceeded to filed a police report, also went ahead and filed a report with XXXX, they temporarily credited my account to get it back to positive since it was negative XXXX, just 2 days after filing the report they closed the case and told me the transaction was authorized, I asked how can a robbery be authorized? Their answer was that I needed to resolve it with the police and theres nothing they could do even though I was robbed at XXXX of their atms, the police is still investigating the matter and has not yet informed me if they catch the guy or not so XXXX assuming not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: MOHELA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The student loan was taken out fraudulently pay under my name. Both subsidized and I subsidized loans were taken out in my name totaling almost {$5000.00}. I did not take out any type of student loans and ever since finding out in XXXX Ive been working to get them removed off of my credit. It removed from 2 bureaus because it was verified they were my account except on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023 I went to make a payment with Mr Cooper. Their website, app, and phone all say their system is down and you can not make payments. I called and checked online again today XX/XX/2023 and the system is still down. There is no way to make a payment or get ahold of someone. Interest accrues daily and this seems like a way for them to make extra money on fees and interest. This is illegal not allowong a customer to make a payment on their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Zip Co US Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hi my identity was stolen recently and the thief used my Zip.co account to make over {$600.00} in unauthorized purchases and the company is currently charging me recurring payments for these fraudulent purchases with the next payment due on XX/XX/2023. 

Zip.co has reference numbers for each transaction the thief made using my identity. 

The reference number for the first line of credit is XXXX, the amount is for {$210.00} and the store this credit was used in was XXXX Store XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX VA XXXX 

The reference number for the second line of credit is XXXX, the amount is for {$220.00} and the store it was used in was XXXX XXXX XXXX XXXX XXXX also on XXXX XXXX XXXX in XXXX. 

The reference number for the third line of credit is XXXX, the amount was for {$200.00}, and was an online purchase on a website Zip.co describes as " XXXX XXXX 

This complaint is related to the one I filed against XXXX on XX/XX/XXXX, ID # XXXX. My XXXX credit card was the card on file for Zip.co. 

I've also filed a police report in XXXX XXXX VA where the fraudulent purchases occured. You can follow up with XXXX XXXX XXXX at XXXX regarding report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: Specialized Loan Servicing Holdings LLC
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: Investigation took more than 30 days

Complaint:
I have an issue with this Mortgage debt collecting company name SPECIALIZED LOAN SERVI Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I XXXX XXXX sent a letter saying there are wrong, unknown items, FCRA violating, and damaging things on my credit report. It has been well over 30 days later I have not received a response yet even though I have called and mailed reported documents. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been well over 30 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-25
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Well I applied for XXXX XXXX  ( a night job ) and they did a background check and something came up and with that job I dont see how that was a issue and now I want to dispute it

Company response to consumer: Closed with explanation