BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2021-01-28
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NY
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 took time out to write a letter to XXXX, XXXX, and Equifax on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank refuses to work with me to try and save my Home. I believe it is because they are not the true owner of the Note. I also believe that they are using my home as a cash register by eating up all the equity with fees. I was recently force to file a XXXX XXXX XXXX to stop them from taking my home. 
I wrote them a XXXX  letter on XXXXXXXX XXXX,2022 They have failed to respond to that letter please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XX/XX/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XX/XX/XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: 4M Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, XXXX 2022, Solverity XXXX add a derogatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at XXXX, a friend of mine sent herself {$540.00} dollars from my smartphone to her bank account using the XXXX   application without my authorization. Ive contacted Citi bank with the issue asking to dispute and Investigate the charge from me because this charge was unauthorized and the perpetrator is going to be punished. The representative took my claim and said it will be filled, & I should expect a credit in my account within 1-3 business days. Ive explained to her due to Covid-19 Im not working and I have a son to feed, I really do need my money back to me. Today XX/XX/XXXX Ive contacted Citi bank regarding my claim & they told me its nothing they can do for me at this time, and that my dispute is still pending which isnt what I was told. Im down to my very last bit of money and Ive disappointed because I thought my bank was supposed to be on my side throughout the investigation. Please help me as I soon run out of money for this month and Im looking for answers.

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 2023-09-28
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Account status incorrect

Complaint:
had an account with XXXX  XXXX and on mulit atemps to use card payments and use of card was declined when i paid what they said was owed it was not reported to the card the day it said it would be and it resulted in fees being charged to me by my bank and my account with the bank being in risk of being closed. i was contacted by XXXX  XXXX customer collections saying my account was closed then recieved a statement saying i owed them a payment. then on XX/XX/XXXX got a calls saying that my account is not closed and demaning payment ; which is in violation of the 15 USC 1692d Harassment or abuse. also the fair credit reporting act 1666b ; and 15 U.S.Code 1692k civil liability. I have reached out to the billing error department in writing and via email also with no responce as of yet and i do know that accourding to the HJR 192 that was replaced with 31 U.S. Code 5118 Pub. L 97-258 that all debt is that of the United states according to the Gold clause & consent to sue. they have also not remitted any of my payments to me or my account but they send a statement each month of the intrest they have recieved on my account but again i have reciereved no credits to my account and the sercuities they exchange act and mail fraud has also been violated with improper delivery of this incorrect form

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX is the name of the company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Personal information incorrect

Complaint:
Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, the list of accounts below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Mr. Cooper Group Inc.
State: AL
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:
My concerns with Mr. Cooper and their unfair credit reporting processes. 

I paid my account within 30 days XXXX XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner.

My payment was reported late for 9 consecutive months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Case Number XXXX With Transunion concerning Child Support Listed as an other loan and an open account.

The account ive paid the original amount off. They are still listing it as a other type of loan on my credit? But list the debt as XXXX? Then a XXXX balance.

Incorrect Information.

They report my payments in good standing but havent removed.

Its harmful and inaccurate to list child support as a loan? Its not a loan.

Listing what u pay like you build credit from it shouldnt be available. Because it doesnt build credit anymore than a utility bill?

An it has been harmful in my life becuase its stopped me from purchasing a home and a car.

They have denied me due to the debt.

Transunion said twice they would remove and has failed to change it.

While XXXX and XXXX  have removed.

If i could sue them i would because they keep telling me they fixed it?

Its fustrating to be held back in life from credit reporting bureas that report incorrect 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 explanation
Consumer complaint received 2023-01-09
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 - Merchants Credit Association - XXXX XXXX called me at work, when I informed her that she reached me at work and needed to call my cell phone at XXXX. She became defensive and angry. I said thank you and hung up I called and left several messages over the weekend as I had tried to begin making payments on their website the amount of my statement XXXX on the paper statement I found was for XXXX some odd dollars. 
I explained in my voicemail I was not to be contacted at work and could be reached between XXXXXXXX XXXX XX/XX/2023 - I received a call from XXXX XXXX and was unable to answer but called back within XXXX minutes. When connected I explained that I had tried to pay online but my packet number wouldn't work. XXXX XXXX looked up my account, stated it was a debt collection and that I owed XXXX some odd dollars immediately becoming combative. and aske what he could help with. I stated that what he could help with is not having his collegue XXXX XXXX call and be so innapropriate and to give to please give me the packet number. He stated that the bills were from XXXX accounts from XXXX hospital and asked if XXXX and XXXX were my children, I asked for the dates of visits or to be sent a detailed statement. He asked again for my children 's names and said I wouldn't answer his question so he wouldn't answer mine. I told him I didn't have to and again asked for the dates and/or packet number. He finally gave me the packet number I explained to him that is the same one I had which didn't work. He told me it is because it's been referred to the legal department and that was the hold up. I asked that he unlock it so that I could make payments and not have to deal with anyone on the phone at his company. He said the decision had been made. After a few more words I mistakenly said I would report him to the XXXX meaning the XXXX. He stated " oh the XXXX, I just want to make sure I'm hearing you correctly ''. On the recording you can tell I start out nicely. This is the XXXX humiliating and horrifying incident with this company. 

I would like to pay my bill, I am escaping a very bad relationship the bills are from my daughter being treated for XXXX from it I believe. In the drama and shuffle of her intensive XXXX XXXX etc. bills slipped by the wayside. I'm slightly crushed and at a loss of what to do.

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 2020-09-15
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. XXXX and XXXX are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. XXXX is failing to report the following account In Dispute. XXXX partial account number XXXX. XXXX is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. XXXX  and Experian are failing to reporting the following account In Dispute. XXXX XXXX XXXX  partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello -- For some reason Experian shows me as having no credit whatsoever. The other 2 credit bureaus have accurate data ( score of about 800 ) but per Experian first cut call center, they do not have any data. 

The first 3-4 times I called, they either said the problem was with me ( " you must not have any accounts '' ) or with my credit cards reporting the data as told me to call my credit card companies ( I did, all of them said they are reporting the data ). 

I was finally able to reach somebody who was helpful that told me that Experian had accidentally done what is called a Split to my account. She was incredibly helpful and was able to see my full credit history in the system and said that Experian had somehow split the data from my existing account. She put through what she said was called a Split10 and that it would be fixed in 3-5 business days. 

After that time expired and it was not corrected, I have called back 5 different times. Each time I have gotten a different explanation ( first they said the Split had not happened, the next time it was and the issue was I had no credit after all, etc ). Each time ( except for the first rep ) they have quickly said they can not help me and then transfer me to a new department ... and then often they transfer me back to the other department. 

It is incredibly disheartening to see how terrible their customer service is -- nobody seems to care that having this error on Experian 's end has a big impact on their customers. Nobody is willing to offer to call back -- all the effort is put on the customer and they take no accountability. While I want this fixed, my bigger hope is that someone looks into their practices and requires them to be more responsive to their customers.

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 2023-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation