BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: STANDARD MORTGAGE CORPORATION
State: LA
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 payment for the month of XXXX was submitted online on XX/XX/XXXX. The Mortgage company did not withdraw payment until XX/XX/XXXX. I watched on the news and read in the newspaper that lease and mortgage payments that were late could not warrant eviction and negative credit reporting. I received a notice this week that XXXX points was taken from my credit report because I was late in XXXX. I emailed Standard Mortgage and they informed me that I would have had to have requested a forbearance due to COVID-19 to not have a negative report to the credit bureaus. I was unaware that I needed to request a forbearance, and I had already determined I was going to pay my mortgage even though my business revenue severely decreased as a result of COVID-19 and I had not yet qualified for any XXXX loans or paycheck protection. I am requesting this negative hit be removed because I have been impacted by COVID-19 financially, and I was unaware that I had to file a forbearance request, and I still have intentions on paying my mortgage payments now and in the future.

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 2023-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I, XXXX XXXX XXXX, am filing this complaint on behalf of myself without any third parties. CREDIT ACCEPTANCE CORPORATION is using XXXX of Law to publicize and furnish inaccurate/private information that has resulted from their own acts of Fraud and Identity Theft. CREDIT ACCEPTANCE CORPORATION has also DEFAULTED to provide requested information, stating Proof of Claim, showed complete Dishonor on XX/XX/XXXX. See attachments. On XX/XX/XXXX, my automobile was stolen by a third party company sent by CREDIT ACCEPTANCE CORPORATION. If this matter is not resolved as soon as possible, I will be seeking a default judgment through arbitration. See attachments.

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 2022-09-17
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase to upgrade seat on XXXX XXXX for {$290.00} on XX/XX/XXXX. This charge appeared twice. I called XXXX and they did not charge twice. I called Apple/Goldman Sachs XXXXhe same day to report the error. It was in dispute until XXXX when XXXX  requested more info for DXXXX. I contacted XXXX on XX/XX/XXXX and got copies of receipts for a one time purchase of {$290.00} and sent to Apple/Goldman Sachs in which I was told the dispute was closed and I owed {$290.00}. At that time XXXX found errors and reopened the dispute and sent more info to Goldman Sachs. I was told it would take about 10 days. I called today and was told it was still being worked on. The second {$290.00} is due XX/XX/XXXX. I am unclear why this is taking so long and who is being paid a second {$290.00} when XXXX never charged me. My call was disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Everytime that i goes to the hospital my insurance pays my bill but here lately i been getting billed by IC Sytem and its been on my credit report and this is a hipaa violation because they didint give me a copy of my hipaa transcript or nothing like that and this needs to be deleted immediately before i take legal actions

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After pulling my consumer report on XX/XX/2023, I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX major credit bureaus XXXX XXXX XXXX XXXX and TransUnion XXXX I disputed XXXX accounts that were furnished onto my consumer report by XXXX XXXX XXXX XXXX XXXX XXXX  that were reporting age was over XXXX years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 Transunion sent me their Investigation Results also XXXX dispalyed the results same as Transunion after the XXXX. The XXXX reults from the disputed accounts were XXXX out XXXX XXXX  accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.

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 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America recently reopened an old checking account that was closed over ten years ago, without my knowledge, request, or approval. 

Calling their customer service three times, I was transferred to a dropped call, transferred to the wrong department after a 45 min hold, and finally put on hold for over an hour for a different department before I gave up for the day.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency XXXX XXXX XXXX and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however TRANSUNION and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. XXXX XXXX XXXX has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.

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 2023-09-10
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: Personal information incorrect

Complaint:
I am writing to dispute the inaccurate information present on my consumer report, which all three major Consumer Reporting Agencies have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report.

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity.

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my information.

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 2022-11-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
I was over charged by XXXX XXXX. ON A RECORDED phone call on XX/XX/2021, I was informed by a XXXX employee by the name of XXXX that there was glitch in their system which resulted in my final bill being charged too much, {$740.00}. The Actual amount I owe is {$290.00}. To which I requested NOT to be debited from my checking account. I I formed XXXX I would call in my credit card number the following Friday. 
On the say Friday {$560.00} was charged to my checking account anyway. When I called XXXX, they refused to discuss the matter with me, insisting the amount was correct, which clearly isn't even the original amount I called to question on XX/XX/XXXX, to begin with, they kept denying any wrong doing, or that i even spoke to anyone previously. I informed my bank the charge was not authorized by me and the money was credited back to my account. This charge suddenly appears on my credit report. 
I have contacted XXXX directly via phone call and was told they do not do investigation inquiries. That they only ask the reporting agency if the amount is correct or not... WHAT?! 
Meanwhile this is on my credit report effecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX  had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain

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 2022-11-27
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Im XXXX I had a card lost or stolen at XXXX  XXXX  in XXXX Hawaii when I went to pick up a prescription. I immediately called American Express and they said they would issue a card immediately that took over ten days to arrive. Then the problems, harassment, texts and emails in the middle of the night, threats to ruin my credit started. It seemed impossible because I always pay extra and have auto pay on my account thats XXXX every month on the XXXX, the last day of the billing cycle. I called and they hung up, they extrapolated at least 10 payments in a 30 day period plus taking multiple auto payments from my account they were unauthorized to take. At the end of the day they started more threats, threatening to reduce my credit, make extra payments and sending threats about ruining my credit. Finically I called and they said they saw the problem but failed to Fix it for the last week. These idiots created a new account and billing cycle on a replacement card and changed my billing cycle in XXXX on my existing account Ive had since 2002. This is NOT the first time American Express has changed a billing cycle without notice to deny me points I earn on large purchases, like construction costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.

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 2022-12-17
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a double payment to my mortgage this month, and the terms of mortgage indicate that additional payments to my mortgage should be applied to the principal. However, in looking at their website it appears that they treated it as an advance payment instead. There is no clear way to make individual payments to the principal outside of setting up autopay.

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 2022-09-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian has been allowing collections agencies to report the same debt multiple times per month.

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 2020-11-11
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: Investigation took more than 30 days

Complaint:
I am trying to have Experian look into some credit reporting issues. It has been well over the time they said they needed to investigate, and I have still not heard from them. I have about 4 - 5 accounts that Experian has not been posting to my credit report, therefore I look like a ghost to companies trying to run my credit. I would like this issue resolved 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 2022-09-17
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX hospital called me in XX/XX/XXXX reporting that I owed {$1400.00} from a XXXX XXXX replacing my XXXX XXXX in XX/XX/XXXX, which was identical to the XXXX I had on the XXXX XXXX in XX/XX/XXXX, all of which was paid by my XXXX and XXXX insurances. The hospital representative informed me that XXXX denied the remaining amount of {$1400.00}, but XXXX paid {$78000.00}, therefore I was responsible for the remainder. I called XXXX who informed me they denied it because the hospital coded the billing incorrectly and if the hospital would correct the code and resend it, they would pay it. I relayed that to the hospital representative but they have refused to change it or resubmit the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
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 noticed that the reporting regarding XXXX XXXX was inaccurate in XX/XX/2021 of this year. As a result I tried to contact XXXX, Transunion and XXXX regarding the reporting. The balances were inaccurate and the dates of delinquency. I resolved this account with XXXX XXXX and the account is paid. I have not received any response from any of these companies as required by the Fair Credit Reporting Act. There is no response and this is well over 60 days. 

I sent a follow up letter XX/XX/2021, and still no response as to why, or any validity to the information being reported on my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief