BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
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 fraud alerts or security freezes

Complaint:
I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up complaint of the original submission into Transunion refusing to display correct data on my consumer report for XXXX XXXX XXXX. This is in regard to account ending in XXXX. The account is being reported as closed after 3 statements proving transaction history on the card have been sent. XXXX XXXX XXXX  sent another letter to me letting me know that they have requested that Transunion correct the information. Transunion 's response to the last complaint sent to the CFPB was to inform me that account will remain closed and that I have the right to add a 100-character note to my report. This is my 4th attempt to get TransUnion to report accurate information. As this is Transunion 's position that it " an entity '', is holding, knowingly displaying false information on a consumer 's credit report, Transunion has intentionally violated FCRA { 15 U.S.C. 1681 }. I am now requesting that the federal trade commission get involved with enforcing FCRA on my behalf. I am engaging with an attorney to deal with issue moving forward. I have attached the XX/XX/2023, XX/XX/2023, and the XX/XX/2023 billing statements for the account showing as closed on the Transunion credit report. This is a demand for correction, and removal of inaccurate, or incomplete information on my consumer report with Transunion. Note - Transunion is incorrectly marking months of the report as " insufficient / no data ''. This needs to be corrected.

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 2020-04-09
Company: EQUIFAX, 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:
I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have an old collection that was opened in 2014 with Hunter Warfield. I tried in passing to correct this debt but the company was very rude and laughing in the background. The debt accrued over {$2000.00} in interest over the years. ( now over {$8000.00} ) This debt has to do with apartment complex years ago. ( XXXX XXXX XXXX ) There was an eviction on my record that has fallen off. A new company has taken over and recently this year put it on my credit report as if it were a new account. Ive done a lot of research on this and it is very much illegal. They have threaten to garnish wages from my bank account as well which is also illegal. I have worked very hard on my credit and feel that this is very unfair to act as if this were a new charge and to bring my score down way low when trying to buy a house.

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 2022-11-03
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: Account information incorrect

Complaint:
Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus TransUnion, XXXX and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.

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 2023-10-17
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Delivery Financial Services, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted XXXX XXXX to remove the items from my collections report. Escalated to 3 supervisors and they told me Delivery Financial services are the only ones who cant remove the items. Items were paid in full and they shouldve never been charged. I paid for everything upfront and had 4 items placed in collections for the same procedure. XXXX is putting all the blame on delivery financial. I have contacted delivery and they keep telling me to contact XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AmWest Funding Corp.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX with XXXX XXXX XXXX for a mortgage loan for a purchase and refinance. What is suppose to be a 45 day close took more than 60 days and still pending. Appraisal itself took a month to complete and was sent out for revision XXXX times. Filed a complaint to the bank to get that sorted out. No one acted with a sense of urgency to help with the client and took several days to review documents causing extensive delays. Even have the audacity to make us pay for the penalty for missing the rate lock deadline. Very very bad communications and customer service experience. The fact that both refinance and purchase loan needs to close at the same time was NEVER discussed to us in the beginning and because of the purchase appraisal holding up, BOTH loan missed the rate lock deadline. Purchase loan was approved but now the refinance loan is holding us up and we were told if the refinance is not approved than the purchase can not be approved. We have already gave them all the documents they need and last minute before closing, they request additional documents that need to be reviewed which is holding up closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, XXXX and Equifax, although Equifax is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear Sir or Madam, First of, I would like to thank you in advance for paying attention to my case. 

I end up with private from Salliemae back in XXXX as XXXX UniversityXXXX students for a Bachelor program. It was explained to me then that the only loan, I was qualified for was private loan due to a lack of credit history and co-signer. 
So I signed up for the loan with variable interest at 9,99 % ... since college was key to become a free thinker, a productive member of Society ... at least that was the dream. 
After my graduation, I was unemployed and asked for forbearance, quickly reality sinked in ; as I was slammed with {$300.00} fees. So since XXXX, I have been paying for my loan without missing a beat.I tried multiple times to consolidate with no luck. No one will even listen. This is a predatory behavior. 
Even with FED interest rate at 0, I still pay 3.50 % .Now with COVID 19 they still want me to pay with interest at 3.12 %. I paid per year an average of XXXX in interest.Another point is Salliemae have sold my loan multiple time without even consulting with me Now my loan is within Navient. 
Please can you help so I can have 0 interest for six months as humanity is dying. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was unlawfully charged XXXX By the Department of U.S Education. 

I contacted the department of U.S education on XX/XX/2020 via certified mail ( XXXX XXXX XXXX XXXX XXXX ) with a notarized affidavit attached. 

I have yet to hear a response Validation of the assumed debt owed its been 30 days. 

Title 31 U.S.C sec. 3123 Title 31 U.S.C sec 5103 Title 18 U.S.C sec 8

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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 XXXX  ACCOUNT ( XXXX ) # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint XXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like stupid children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have Russian friends who are also embarrassed for their country. XXXX treats their people like stupid sheep just like big companies do here.

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 2023-07-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I not disputing I owe these debts but I do see where they take the same visit and report it twice saying I owe for the same visits especially when there is also insurance showing of some of these payments they are reporting double an almost caused me my employment they have been doing this for the last 8 years so debts are passed the expiration of goin away please review Ars national

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 3 accounts with Chase. They closed my accounts upon review for 3 reasons. 

Returned payments ( a payment was rejected because I made a payment from a savings account. I was informed previously that I could make payments from the savings account. I was provided misinformation by the company that eventually influenced the closure of my account. 

Credit limit was too high ( I was granted the credit limit by Chase originally and then months later, they decided the limit was too high and instead of lowering the limit or closing less than all of the accounts, they shut them all down. Again, I was given this limit by the company, only to have the company then say that it was too high and that they were going to remove the accounts. ) Not enough credit history ( again, granted the cards by the company only to have them remove the accounts. ) I addressed the savings account issue with Chase over the phone and confirmed that I could make the payments with a savings account. I clearly had enough credit history to acquire the cards in the first place so there is no cause to claim I didn't have enough credit history. They granted me the credit limits at first, have me the cards, and then at their will, chose that the limit they granted me was too high and this closed the account. 

Every reason that my account was closed was due to their negligence and I have received the fallout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXX PLUS WARRANTY COMPANY TO CONTINUNE TO DEFRAUD US AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION MY WIFE CAN BARLY WALK IS SUPPOSED TO BE XXXX XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

XXXX XXXX has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by you.

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 2022-11-03
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:
The account in reference is my XXXX XXXX  Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, Equifax shows XXXX XX/XX/XXXX ] Issue 2 : Account numbers differ ( see attachment ) Issue 3 : Date closed details [ XXXX shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, Equifax shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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