BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-02-12
Company: Avadyne Health Holdings, Inc
State: NJ
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 was alerted to my sudden drop in my credit score for a delinquent account for XXXX XXXX As you can see I have been always making my payments on time. This was for a medical bill from a hospital that I was working with. I had made payment plans and I am currently on XXXX. I have never received any letters or billing or warnings from this creditor to pay {$60.00}. They have falsely placed this delinquency on my report that I need to dispute and would like it removed as soon as possible. I have worked hard at fixing my credit to be in the XXXX. Please help me fix this error. I looked up the web site and I found that multiple errors and victims of fraud have been dealing with this company as well and needed lawyers. I can not afford a lawyer or to apply for bankruptcy at this time. This is appalling that this company takes advantage of more people and gets away with it! XXXX STATUS DETAILS : Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE  : H & R ACCOUNTS DISPUTE REASON : Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION H & R ACCOUNTS XXXX XXXX XXXX XXXX. IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection name : Aldous Associates representing XXXX XXXX gym litterally took my account to collection. I signed up for XXXX XXXX for 1 month in 2018 and cancelled my membership thereafter. Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. Please help in removing this erroneous debtor on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: AMERICAN ADVISORS GROUP
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I decided to work with XXXX to get a reverse mortgage. At first my broker was friendly and helpful, however as time went on he started to want more information. Like proof I had money in my back account. He first wanted to know if I can effort the closing cost around {$4000.00} I said I will get it. He also push me to sign documents on an artificial closed date, not on my terms. When he sent me closings paperwork the closing cost came to almost double the cost. When I sent email official declining the off and not to contact me. He contact me and he ran numbers and because I live in Minnesota my closing cost would only be XXXX. He new within 10 minutes of the first call I live in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2019-06-13
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:
the following accounts have been disputed on these dates for these reasons : XXXX, Incorrect balance, the date reported, and the account type are inaccurate. 

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 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 2018-02-21
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Around XX/XX/XXXX, I discovered on my XXXX monthly earning statement a debt collection in the amount of {$240.00} with the following message below XXXX XXXX XXXX-DEBT DEBT BALANCE {$.00} ORIGINAL DEBT {$240.00} XX/XX/XXXX XX/XX/XXXX UNPAID DEBT BALANCE *TOTAL* : {$.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ET Immediately I contacted Citibank customer service : The representative whom I spoke with informed me that {$240.00} fees was for a {$29.00} fees for a new card issued and sent to me. The additional fees was for late fees. My question to them was : where the notification of this charges sent to and when. Citi declined to discuss with me and referred me to the XXXX card representatives who just confirmed the charges that I was calling to address. 
1- The credit card from Citi for which I am currently registered never showed any balance due and have an available balance of {$4000.00} 2- I am currently XXXX have no access to any hard mail 3- Citi have my correct and current email address on file. Why was it not use as the unit know Im XXXX 4- Citi informed me that a new card was issue and the bill for the new card was sent to the new card for which I was never registered. As a result I would never receive any invoice nor any notifications of any statement regarding a bill. 
5- My unit representative, which is the program manager, never send me any notifications of an invoice of {$29.00} which was not paid, which was being billed to a non-registered card and a physical billing statement being sent to an address where no one would see as I am currently XXXX 6- I have always paid my bill in full. A matter fact Citi has once issue me a refund of {$600.00} for overpaying an invoice. This just to show that I was never aware of this invoice.

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 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information 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 explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: IL
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 have provided Experian with a hard copy of an error that XXXX XXXX XXXX agreed to correct. The states that I do not have any 30 late payments on my account. The 30 late payment is reported on my Experian account for XX/XX/XXXX. I have furnished Experian with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX & XXXX   have corrected this error, but Experian refuse to do so. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS XX/XX/XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.

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 2023-09-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to get access to my Chime account so I dialed the customer support number once I did so I started talking to a representative and they started to help me but it was a scammer within the Chime company and whoever it was transferred every dollar I had which was XXXX dollars now I have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 act. The list of accounts below has 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 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.

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 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 2023-02-13
Company: EQUIFAX, INC.
State: FL
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

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 2019-10-19
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to create an account online to view my credit report and score, Equifax Credit Bureau charged my {$4.00}, but I was not able to view my report, then I called XXXX someone from XXXX answered I asked him to forward me to the US Office, someone else answered I asked him if he from the US office and he said yes, after we talked he was not able to help me, I asked to speak to a manager or SV initially he refused then he forward me to his super visor in XXXX, any how I spoke to 10 people in total wasting 2 hours of my time, and the last 3 where for the US office, I released all the needed information including my SSN but they still could not locate an account for me, the last two people that I spoke to I asked them to refund my money but they said they dont have an active account for me, the question remains why I got charged {$4.00} if I do not have an active account? And why Equifax rep could not refund the money for me? 
i spoke to XXXX, XXXX, XXXX ID XXXX,, XXXX XXXX XXXX, XXXX id # XXXX, XXXX ID # XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: VA
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 : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Company calls multiple times a day. When answered, often the person hangs up without speaking. The final straw was today when the phone calls began at XXXX which is outside of the XXXX XXXX XXXX call window. When I called back and informed them that they were harassing by calling outside of that window they informed me that I don't know what time it is. I informed the " gentleman '' that I am on Central Standard time in the FL XXXX and they should probably know what time it is before they begin harassing people for the day. I get no less that 2 phone calls a day from this number, and sometimes upwards of 4 or 5.

Company response to consumer: Closed with explanation