BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.

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 2023-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am receiving statements at my house for someone named XXXX XXXX ( acct : XXXX ). I do not know this person and Wells Fargo should not authorise this person to use my address without my consent.

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 2022-12-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue. 

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.

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 2023-05-31
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I write in response to a vehicle lease with Mercedes Benz Financial Services, LLC ( MBFS ) account number XXXX. On or about XX/XX/XXXX, I traded this vehicle in at WI XXXX XXXX XXXX and was advised that a payoff quote was received and that payment would be tendered within 7 days to MBFS to satisfy and close this account. As of todays date, MBFS is still reflecting an outstanding balance of {$3200.00} owing on this account. I previously wrote to MBFS regarding this matter, and was advised that this matter would be looked into and resolved. As of todays date, I have not received anything responsive to my request for information. 

Notably, a Settlement Agreement I signed along with the co-lessee on or about XX/XX/XXXX, which also mentioned MBFS as a party, stated that all disputes and issues with this vehicle ( XXXX XXXX ) would settled in full. 

Accordingly, I am hereby demanding that MBFS credit this account the {$3200.00} and close this account and report it as paid in full to all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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 fraud alerts or security freezes

Complaint:
I need to have this remark removed from my credit report : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX I am in the middle of buying a house and this is affecting me

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 2022-05-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
We have a XXXX checking and a XXXX credit card account at XXXX XXXX as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the bank-account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the XXXX  bearing the 2FA code to reach us. We escalated the problem twice over the past 12 months but it has not been corrected since. It has to be noted that before this was working well two years ago. Attached are a screen copy of the issue showing the duplicated same number in the drop list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: S&S Physician Services, Inc.
State: TX
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:
ftc violaton reporting debt that is not mine sent police reports decades ago Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX  Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX, MA, XXXX Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX XXXX, XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX, XXXX, TX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: DC
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:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX ( one has already been completed ). XXXX XXXX can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from 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 2022-05-16
Company: EQUIFAX, INC.
State: MS
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am involved in malpractice litigation with this hospital and doctors, you had previous accounts on my credit report that were removed without a problem with an email from a manager with your company stating he would remove all debt accounts related to this institution, could you please remove these last 2 accounts in the amounts of {$1800.00} and $ XXXXwith Credit Management Company. I do not owe them and everything from this facility has previously agreed to remove any accounts from this facility. 


Thank you for your help in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-03-11
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HP Sears showed up on my credit report saying I had unpaid debt, my credit score was reduced by over 40 points and I now have derogatory remarks. This was on XX/XX/XXXX. I freaked out because my credit score is important to me, so I paid the {$440.00} to HP Sears. I then realized that there's no way I could owe {$440.00}. I checked with my health insurance company ( XXXX XXXX of California ) and this charge, which was for the XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX, was actually covered by my insurance. The insurance company was a bit late in authorizing the coverage, but it did go through. I have the explanation of benefits to prove it. All I owe is {$25.00}, and I never received a bill for the {$25.00}, but I would absolutely pay it if they sent me the bill. I tried to get in touch with XXXX XXXX XXXX and have had no luck. I was on the phone repeatedly with HP Sears.  I sent them my explanation of benefits and they tried to accuse me of lying. I called to get them to admit they received my email with my proof. They admitted it. They said they'd issue me a refund. A month goes by and I noticed on Saturday, XX/XX/XXXX that my credit wasn't resolved. I even filed a dispute with XXXX, but they didn't take my side in the dispute even though I have evidence and contacted all the companies involved. So I called HP Sears yet again. I saw my credit card history and they NEVER issued me the refund that they promised, and they obviously never resolved the mistake they made that messed up my credit. I told them I wanted their agreement in writing, and I still have yet to receive that. I was able to get my {$440.00} that I was never supposed to pay in the first place back by contacting my credit card company. But HP Sears was supposed to be honest and issue the refund because I never owed the money, this was all due to their mistake, and they told me they had issued the refund. They've been scamming me and lying to me. I've been making phone calls again all night ( it's Saturday, XX/XX/XXXX ) and I can't get through to anyone. I have the proof. All I ever owed XXXX XXXX XXXX is {$25.00}, and they never sent me a bill so I can't pay it but I will pay it immediately if they would just send me the bill. I never owed {$440.00}. So my credit has been ruined because of this mistake and I have the proof that shows they messed up but no one is helping me fix it. I just want my credit score returned to normal. I don't know what else to do. The amounts aren't even consistent. I had to pay {$460.00}, and they attacked my credit for {$460.00}. The explanation of benefits said the original amount was {$440.00}, but that was before it went through insurance so I never owed anything anywhere near those amounts of money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am writing to bring to your attention a significant issue with TransUnion 's handling of my dispute concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate and must be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). The law mandates accurate reporting, and it is imperative that my credit report reflects this accuracy. 

The unauthorized hard inquiries that have been inaccurately reported on my TransUnion credit report are as follows 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 XXXX I wish to emphasize that I did not authorize or initiate any of these inquiries. Their presence on my credit report not only unfairly impacts my credit score but also jeopardizes my financial standing. Under the FCRA, credit reporting agencies such as TransUnion are obligated to ensure the accuracy of the information they report, and the presence of these unauthorized and erroneous hard inquiries is a clear violation of this requirement. 

I have previously communicated with TransUnion, disputing these inaccuracies and providing all relevant documentation to substantiate my claim. Regrettably, despite my persistent efforts, TransUnion has failed to take the necessary steps to rectify this situation, and these unauthorized inquiries persist on my credit report. 

I hereby request your intervention to address this matter urgently. I implore you to ensure that TransUnion promptly conducts a thorough investigation and takes immediate corrective action in line with the law. It is vital that these inaccuracies are removed promptly to restore the integrity and precision of my credit profile. 

I kindly ask for your assistance in resolving this crucial matter and request that you keep me informed of the progress and resolution of this dispute. I anticipate a swift and lawful resolution under the FCRA. 

Thank you for your attention to this critical issue. 

Sincerely, 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 2023-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I noticed on my Experian credit report that there were XXXX collection accounts that were reporting inaccurate information and so I requested an investigation. After they investigated, they did not correct the error. The accounts are as follows .... XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX, {$8400.00} XXXX XXXX XXXX, XX/XX/XXXX, {$790.00}

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 2019-02-05
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called in many different times over the past several years letting the associates at Navient know that I was having trouble with making my payments. Each time, I was put in a forbearance or differed program. Each program I was put in racked up interest each month without any payment credits. I was never given the option of applying for an income based repayment plan and possibly having a zero payment but at least get credit for payments those months. I would have been several years in now of the IBR plan by  now.

Company response to consumer: Closed with explanation