BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 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 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 2019-05-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.

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 2021-03-05
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had XXXX $ deposited into my usbank reliacard account from unemployment benefits yesterday then all of sudden my card was locked ny usbankreliacard I still can't get or use money they won't give me straight answers except verify my identity and I have done that multiple times and different ways and still have it locked I can't pay my rent I'm gon na be homeless I can't eat I haven't had money in weeks and now I get my Money and they do this it's ridiculous my card is locked illegally there's no reason it should be locked

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I just looked up my credit report and saw many fraudulent accounts that I wasn't aware of.

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 2019-09-27
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Accounts and Advisors are reporting the same debt from the same medical creditor for the same date of service seven times under different amounts. The collection agency via a phone call admitted to knowing the date of delinquency was 6 years prior however they are reporting the debt as new from the date they bought the debt which was years later. I tried to resolve this with the agency who in the same phone call admitted they know the 21 collection accounts ( some as little as XXXX cents they reported ) are from one date of service with the creditor and that the date of service is 6 years old, they admitted that they report the debt monthly, and that they know the creditor creates new " accounts '' under the patients name per line item on the medical bill when they send the patient to collections for one medical date of service. Despite knowing this the collection agency representative tells me that they are compelled to report this as multiple debts because thats how it was reported to them, this violates the reasonable person standard for reporting. As any reasonable person would know that a patient is not seen 21 individual times on one date of service. This seems fraudulent to me both on the collection agency 's side AND the reporting medical creditor. Additionally, the Collection agency sent one notice informing me of one amount due for this creditor, again, this shows that the collection agency is aware that there is only one debt owed but is complicit in reporting it multiple times for maximum negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there.

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2023, reported an error of 1st late payment from XXXX XXXX  due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-21
Company: EQUIFAX, INC.
State: MI
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At one point in time my savings account had a healthy balance, when my checking account would go negative I've had as many as 21 days to cover the account balance, which I did. Recently when my savings account balance was low my checking account no longer had the grace period to replace those funds. I approached the chase banker, XXXX, XXXX, about it on multiple occasions, he denied me response until I quoted directly from US Legislation, then all of a sudden he was able to reply to me, he then tried to offer me a bogus, non-regulatory explanation which makes no sense against what actually took place with my accounts. I used emails to track the communication with XXXX XXXX of chase bank XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: PA
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  acct:XXXX violated my rights. 15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy. 15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the consumer.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: ME
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 am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and XXXX XXXX, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
USAA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX USAA requested proof that the Court Bond was real and needs to stay on the HUD. We provided that. They are now saying they want it removed from the HUD regardless of the order given by the court to have it paid. -- -- -- USAA is trying to force the alteration of the terms of the short sale that the 1st XXXX  would be accepting. USAA is the 2nd XXXX and this is a short sale. This is NOT ACCEPTABLE!! They can either take the funds offered to them by the 2nd XXXX or they will get NOTHING if they try to force this into foreclosure. There is no option where they get to tell the 1st XXXX  what they can and can not accept nor try to force an alteration of the terms on the HUD. 

When confronted with this, USAA asserted their policies supersede federal and state law. *****This is illegal on both a Federal and a State level. 

Their XXXX needs to STOP!!! They do not get to dictate terms for the 1st XXXX   nor do they get to create their own laws. 

I want the USAA to move past their issue with paying the Court Bond on the HUD and for them to move the short sale forward appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX -> This was my previous complaint. 

Short story it has been over a month trying to resolve my credit history. Please refer to previous complaint above. My information was lost/mixed up with another person. They asked me if there another person with my last name with the same social security number. I called Friday XX/XX/2019 to get my issue resolved and was given 5 business days. I called XX/XX/XXXX and they extended it for another 5 business days. After my previous complaint, everything on my account was duplicated. So for a few days I at least had a credit score, though everything was wrong. Student debt, loans, etc. I called a lady to get it fixed ( it was pretty straight forward ) because the loan numbers and account # s were the exact same. What then happened was that everything got deleted again and went from a XXXX to a XXXX again. Then to make it worse, I was asked to call my bank to make sure they are reporting correctly and inserted it on my account ... again pointing me back to blame the bank. If you read the previous complaint, they were able to find my information without using my social security number, but again, we have to wait longer to see what turns up. This problem hasn't been fixed one bit and am worried about privacy at this point too.

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 2019-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to zero -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor. 

Rather than deleting both accounts from my credit report entirely, Equifax simply updated the two accounts to show as " paid '' with a zero balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated all my federal student loans XX/XX/2010 and entered into an income based repayment plan with payments beginning XX/XX/2010. I have submitted employer verification forms certifying I have been working for either non-profits or a government agency since then. FedLoan Servicing initially denied 5 months as eligible The reasons given for the payments being ineligible are inaccurate ( FedLoan stated they did not receive payment for a month even though I am enrolled in auto-debit and my bank statement clearly shows they withdrew the funds from my account, another month was claimed to be in forbearance even though I never applied or requested that, and the initial 3 months of payments were through XXXX with no record that they were in the Income Based Repayment Plan ). FedLoan has been " reviewing '' 5 payments for over two years. When I call to ask for a status I'm told they need " ample '' time to review and there is no timeline for completing the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/ for XXXXXXXX XXXX  ], [ date of inquiry was XX/XX/ for XXXX XXXX XXXX XXXX  and [ date of inquiry was XX/XX/ for XXXXXXXX XXXX XXXX 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.

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 2023-06-13
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield is currently reporting on my XXXX, XXXX XXXX XXXX consumer reporting bureaus that I owe their company, {$3300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Hunter Warfield & myself, legally listing Hunter Warfield as a person/company entitled to enforce a commercial claim against me. On XX/XX/2023 ( document enclosed ) I mailed & faxed a letter to Hunter Warfield. It was NOT a request for verification or validation. This letter was a demand for proof of contract to substantiate Hunter Warfields claim to XXXX, XXXX & XXXX that I am indeed the correct person that owes {$3300.00}. Hunter Warfield responded back by mail with computer generated documents. Some documents were illegible ( per my attorney, & attached ), yet no document had my signature to substantiate their claim. Nevertheless, no document was notarized through the presence of a notary public, who duly swears the copy made ( and sent to me ) is in fact a copy of the original paper contract in question. I corresponded back by mail and fax on XX/XX/2023 ( document enclosed ) and Hunter Warfield has ignored my legal demand for information. Hunter Warfield 's documentation provided is misleading. Hunter Warfield has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2018-04-23
Company: ProCollect, Inc.
State: OK
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:
There are many mistakes appear in my report without my understanding.

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