BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion and XXXX are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00} Creditors collection service

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 2018-05-01
Company: EQUIFAX, INC.
State: MO
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 second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: NY
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 have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over XXXX  days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXXXXXX XXXX  XXXX Account number- XXXX 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
About XX/XX/ I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.

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 2023-04-22
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:
I contacted the creditor about the inquiry i receive on credit report, they looked in to the issue and saw that it was done fraudulent. They send me a letter stated that the inquiry should be remove out of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: NPAS, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NPAS collection agency, working on behalf of XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt I know nothing about. In XX/XX/2021 NPAS started calling about a hospital bill that wasn't supposedly paid ; two years after the birth of my child. XXXX has all of my insurance which has been provided to them numerous times. On XX/XX/2021, I spoke with XXXX and gave her all of this information, for the XXXX time! When I ask for a Reference Number, Invoice, bill or tangible documentation they say there is no Reference Number or Invoice, just call back in 30 days. 
Today I called to follow up and spoke with XXXX who said the claim wasn't paid because the information " couldn't be verified and now they could resubmit it to XXXX. '' Also, they've been trying to contact us numerous times during the month of XXXX which is documented in their system. This is a completely false statement! No one has called me to follow up or try and verify any information. Furthermore, when I asked what address the numerous letters were sent they gave me the old address ; which I updated on XX/XX/2021, with XXXX and numerous times prior to that. 
After I asked to speak with XXXX XXXX manager she transferred back to the switchboard and I eventually spoke to XXXX. XXXX stated, " they're sorry they had old information and they have to resubmit the claim. '' XXXX XXXX XXXX XXXX and NPAS and engaging in fraudulent and frivolous billing, deceitful tactics, not being transparent, and making false statements. I've given the Hospital and this billing company all of my insurance information numerous times over the past two years ; they've had this information since day one. If the hospital or NPAS didn't file a claim in a timely manner directly attributed to their failure then they can't debt me to debt collection two years later and have a debt collection agency engage in fraudulent activity while making numerous completely false statements and pretending to send the documentation that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a delivery via XXXX XXXX on XX/XX/XXXX from XXXX of items that were fraudulently ordered in my name. I discovered through XXXX fraud department that a credit card account with Genesis FS Card Services was set up fraudulently in my name. I have contacted XXXX to dispute the Genesis FS Card Services account and I have also written a multiple letters to Genesis FS Card Services disputing this fraudulent account. XXXX alerted their Fraud Team of this issue. XXXX was able to reroute additional items that were part of the fraudulent order. XXXX employee XXXX XXXX stated in an email to hold onto the items delivered until XX/XX/XXXX. XXXX XXXX stated that if I did not from XXXX 's credit recovery team I was to go ahead and dispose/donate the items received fraudulently. I did not receive any further communication regarding this matter from XXXX. I have requested that XXXX retrieve their items to no avail. Genesis FS Card Services insists that I owe {$820.00} for the items fraudulently ordered in my name. I have disputed these charges by writing multiple letters to Genesis FS Card Services. I want the fraudulent charges credited to the fraudulent Genesis FS Card Services account and the account closed. Any adverse information on my credit report needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: NY
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 have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 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 Account number- XXXX Please remove it from my credit report. 

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. Account name- 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 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I am writing to this institution to see if there are grounds for you guys to investigate XXXX XXXX ( XXXX ). 
I currently have a mortgage with this company and I called them for information on payment assistance as most of us have been hit with the financial pandemic and the information they gave me is that they can put a hold to the monthly payments for up to 6 months. Nevertheless, after that time they expect all the money in one single payment ( plus the extra month you'll be owing at the end of the period ). 
I believe XXXX is setting people for failure and also trying to take advantage of the consumers in times of need. Having said this, please let me know your input. 

Thanks, 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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a dispute request to XXXX, XXXX  and Transunion as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing Equifax had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to Equifax. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with XXXX  finally on XXXX XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received a bank teller alert on my messages from my bank claiming that someone had attempted to authorize charges on my account. I believed it to be a true alert since they knew my information and unbeknownst to me were impersonating XXXX XXXX, 2 minutes later I got a call from the Fraud department of my bank where I talked with someone who claimed to be a fraud specialist for about 20 minutes. They notified that someone in Massachusetts had attempted a total of 9 transactions on my account. 1 through XXXX and 8 through cashapp and for security reasons I had to directly authorize the transactions with the memo ( REFUND XXXX XXXX XXXX ) so that the bank would block them from processing and verify that I was not the one attempting the transactions, after asking many questions under so much duress and stress I believed this person to be truthful and complied. I authorized the XXXX payment. Then they asked me to verify my phone and email to conduct a personalized video call so I wouldnt have to share my information electronically which and gave me the name XXXX and XXXX badge number XXXX as insurance that they were a legitimate specialist. Fair enough I received a XXXX call a few minutes later where they instructed me to share my screen and go onto cashapp to directly authorize the remaining 8 transactions for security reasons. They assured me multiple times that my account balance would stay the same and even had me sign out of my online banking app because my account information was compromised. They told me to authorize the transaction and same as the XXXX to go to Pay and put the exact amount that was being attempted and to put the memo as refund with a different XXXX digit number each time. This all sounded legitimate at the time and I didnt pick up on any red flags until the transactions processed. After that they told me to log on to my online banking with a one time password that they provided but before I received the username they hung up. I proceeded to call back on the same Fraud department number where this time an actual representative answered and let me know Id been scammed. I immediately reported and requested the money on cashapp through the app support and blocked my card to issue a new one. I filed a dispute once the transactions cleared a week ago however the bank has decided to decline due to the transactions being directly authorized. I was told that nothing else can be done but to contact Cashapp or law enforcement. I called cash app support and they said the same thing as my bank. I am humbly writing to ask for any more help for what can be done because Ive been scammed of {$1500.00} and am in deep sorrow. I was also told to request a refund with the recipient which I did and obviously they declined it immediately because they are also apart of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Good afternoon, A false, fraudulent and/or incorrect account appears on my credit report. 
This referred account is a Bank of America account number XXXX. 
I have called Bank of America numerous times to attempt to resolve the issue and have disputed the referred account to XXXX credit agency. 
These attempts have been unsuccessful and XXXX   has notified me that I need to speak with a bank representative which, after numerous attempts, has also been unsuccessful. 
Please eliminate this account and notify XXXX, as it has significantly tarnished my credit score and purchasing ability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Wells Fargo said they would refile the foreclosure but have yet to do so. See previous complaint. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Public record information inaccurate

Complaint:
The public records shows up at {$0.00} and both are dated XX/XX/2019 and the other XX/XX/2019 are not mines I tried to dispute because I dont have knowledge of these two public records.

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 2020-07-25
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation