BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-20
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 sent dispute letters to Experian for several companies and also included requests to dispute invalid addresses as well as inquiries that were not permissable by me. Experian did not update or clear up any inaccuracies. I sent proof that I reached out to the creditors for debt verification via certified letter and received no response within the 30 day time frame and Experian still refused to correct my credit report. The law states that any unverified debt can not be legally reported to the credit bureaus, therefore these creditors that have not responded to my requests for validation in a timely manner, or at all, should be removed from my 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 2022-10-10
Company: EQUIFAX, INC.
State: IA
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:
XXXX XXXX XXXX and Equifax are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by XXXX XXXX while XXXX and Equifax report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by XXXX XXXX and XXXX as XX/XX/XXXX while Equifax is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by Equifax and XXXX reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my Equifax, and XXXX report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and Equifax. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against Equifax and XXXX. 

For the past 3 years I have been submitting dispute after dispute to XXXX and Equifax concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the Equifax side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX XXXX 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from XXXX or Equifax. Instead I just keep getting generic computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-01-30
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this may concern, Per my previous statement XXXX XXXX XXXX  swiftly resolved the fraudulent bank account. I did not feel obligated to complete a police report. I stated the fraudulent account forced me to look into my credit report. My complaint against your company is based on your failure notify me regarding this alleged debt and your failure to validate it. 

After my complaint with the CFPB. I received a letter from your company stating the current creditor and the original creditor is the same. This statement is misrepresentation. Per the paperwork you provided, the alleged debt is owed to progressive the company attempting to collect this debt is credit collection services. I requested original documentation that has my ink signature which proves this debt belongs to me, and proof that I entered an agreement with credit collection services. You failed to provide that. The documentation you provided is a copy of an email that states a balance is owed to progressive, not to credit collection services. Nor did you provide any original documents with my signature. Please provide original documentation that includes a signed agreement between me and Credit Collection services. 

It is unfair that your company has a negative item on my credit report and you continuously fail to validate it. If you are unable to provide this documentation please delete this inaccurate collection from all three credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Goldman Sachs savings account through XXXX XXXX, and funded it with {$250000.00}. Yesterday ( XX/XX/2023 ) my account was frozen with no explanation given -- I tried using chat support but they indicated they had no idea why my account was locked, and I have spent 4+ hours on hold trying unsuccessfully to reach someone over the phone. I suspect this may be an erroneous fraud alert as I tried to use this account to pay one of my credit cards. My funds are being held hostage for absolutely no reason and with no recourse. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 fair credit reporting act this creditors has violated my right 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : its also state a consumer reporting agency con not furnish account without my written instruction. 

15 usc 1666B : a creditor may not treat a late payment on my credit card account under or open and consumer credit plan as late for any purpose

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 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Over the last seven years we have tried to work with our mortgage servicers, ( Nationstar ) to attain a permitted modification. We are victims of abusive loan practices. All of the modifications that we attempted from Nationstar were 2 % interest only and reverted back to the original terms of the loan 's interest rate of 8.350 % ( see attached ). Due to the crash of the housing market, our home was upside down and our servicers were not willing to make any reduction in principle balance, or forgiveness of fee and penalties. We were informed that private investors owned our loan and that they were not held to the same standards as commercial investors. We have hired attorneys to represent us in finalizing a permanent modification change. We knew that our loan was through XXXX XXXX. ( XXXX XXXX were no longer in business ) With that being said, our attorney would say that our loan was through XXXX or XXXX XXXX XXXX. We hired the XXXX XXXX Firm. We paid the XXXX XXXX XXXX {$3500.00}. They closed down. Once again we were offered in home modification with Nationstar, interest only 2 %. Next we hired Preferred Law in XXXX 2015, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. We paid them {$3900.00}. They were able to get XXXX different modifications XXXX Modification required a good faith payment of {$5800.00} and monthly payments of {$2300.00}. After two years, XXXX modifications would revert back to the rate of the original loan./ XXXX Modification required a good faith payment of {$11000.00} and monthly payment of {$2700.00}. The last Law Firm we hired was XXXX XXXX. XXXX claimed to sue the servicer Nationstar. We paid them {$7000.00}. ( XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ) ). I have receipts verifying payments that were made to the different law firms. The first two years of the loan, payments were made on time each month. After the first year of our loan, I applied to refinance. I was denied twice, having a credit score of XXXX. After the first year of the loan we paid {$55000.00} in interest only. We were faced with a financial hardship and need help with modifying our loan. And it has been a down hill spiral ever since. We would like your assistance investigating Nationstar ethical practices of servicing home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : 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 explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: OH
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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. These are the accounts that I'm disputing : XXXX XXXX XXXX. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. 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 2022-02-12
Company: Arbor Professional Solutions, Inc.
State: MI
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:
XXXX dollars for medical service Arbor Professional Solutions orginally XXXX fire dept ambulance service was discharged bankruptcy XXXX XXXX filed XX/XX/XXXX completed and discharged XXXX XXXX debtor has no legal standing to pursue further demand removal from XXXX credit report as it is false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.

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 2022-07-22
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2022 made a payment to XXXX of {$170.00} for XXXX XXXX card.After XXXX months of dealing with XXXX they sent me a letter confirming the money was forwarded to Comenity Capital Bank.Call Comenity Bank many times can not get an answer where my money went.Call my bank that made the payment XXXX they gave me a tracking number XXXX and conformation number XXXX. They told me if they do not know where my money went there payment system should be investigated.Been paying XXXX on the XXXX of ever month for XXXX years got a statement in XXXX i payed it like i have always done. In XXXX first staement from Comenity with late fee saying i did not pay them.How can i pay them in XXXX when XXXX sent me a statement to pay them and i did not get XXXX from them until XXXX bank told me if my money is not found they would take futher steps

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26
Company: EQUIFAX, INC.
State: AZ
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:
The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018.

Company response to consumer: Closed with non-monetary relief