BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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: Account status incorrect

Complaint:
Improper reporting of medical debt. Medical debt can not be reported before it is one year past due. 
Medical debt is legally defined as debt that arose from the receipt of medical services products or devices. 
Medical debt can not be reported until it is at least one year past due. 
Medical debt has nothing to do with the holder of the loan it has to do with whether the debt arose from the receipt of medical services. 
Due to a life-threatening illness I was forced to have medical services. Thus my alleged debt arose from the receipt of medical services. 
The allege debt can not legally be reported before the one year mark however XXXX XXXX has denied numerous request to remove the credit entry. They even failed to respond to the XXXX XXXX XXXX complaint. 
I am demanding that the medical debt be removed from my credit file. 
For it to remain on my credit report XXXX XXXX  must prove that its not medical debt and that it did not arise from the receipt of medical services and that its not one year past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT XXXX XXXX XXXX CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND XXXX XXXX XXXX  ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.

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 2018-11-17
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In recent weeks and last night I received disturbing calls from men relative to SLS : XX/XX/XXXX the first identified himself as XXXX XXXX with TN XXXX XXXX said he was from SLS and had me confirm my address and loan number. 
XXXX threatened me with legal actions such as foreclosure and said he was turning over " my case '' to SLS legal dept. He mentioned a payment of $ 900+, he said I owed him. When I asked to call him back, I did so but got his voice mail and then he called me back immediately and continued his threats. 
Since I had been spending hours of time on the phone with SLS through out the month of XX/XX/XXXX with insurance escrow problems ; ( see XXXX-XXXX ) I thought this call was maybe legit. 
I immediately reported this complaint to SLS and I got the run around with four different SLS departments. The reps said it wasn't their problem and that their department didnt handle fraudulent calls and they finally gave me their " Executive Services number XXXX XXXX. Then ... Last night XXXX, a man named XXXX called from SLS Executive SVCS. 
XXXX would not identify his company! I got angry as I could see it was SLS and and he hung up on me! He would NOT say he was from SLS but I could see the XXXX ID on my cell phone. He demanded I identify myself but I would not as he had called me!

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently XXXX, Transunion, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report. 
If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 privacy 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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I will keep it precise in points : Please find my complaint details in points below.

+In XX/XX/XXXX I received a phone call from XXXX XXXX ( XXXX XXXX XXXX XXXX ) claiming I owe {$820.00} in the form of move out expenses.

+ I moved out of this society by the name " XXXX XXXX '' located in, XXXX XXXX, in XX/XX/XXXX.

+When I tried to get more details, she refused to share any details with me very rudely and threatened me that my credit score will be ruined if I do not go ahead with the payment.

+Although I bought me some time from her, asking her to get back to me in a few days after I double check with the Real Estate company involved, I was told that the company was taken over by some other firm.

+On my second interaction with her, I asked her to provide me with a legitimate letter head document with the details of the costs involved.

+She however went on to disagree with me bluntly and said if I can pay the half of the amount and eventually consolidated my doubts about the claims being false.

+She sent me a scrap document which has no credibility, no letter head whatsoever etc.

+I was a XXXX XXXX  at that point and could not afford to pay this false amount and I am sure that all the points they have listed on the document are not true and are subject to verification.

+I will attach the file she sent me which will give you an idea of this scam.

+I also searched online and turns out that a few more people have been a victim of this scam.

+This account is now on my credit score and is effecting me monetarily, I am facing difficulties getting loans and other credit related processes.

Warm Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Please view all enclosed attached documents and take appropriate steps to have bank and all re comply to the standards set forth for the protection from online consumer thefts. 

Initially noted theft XX/XX/2001. 
XXXX, XXXX provide more details with dates and time stamps. 
Because of difficulty with Ofcr. XXXX of the XXXX XXXX, PD, other venue is being sought out to expedite prosecution.

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 2022-02-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I moved XXXX from my saving to my checking to pay a bill. Once I moved the money XXXX came into account removed XXXX. My saving account went down to XXXX. I called XXXX their records show they collected money loss money and gained money. All while the bank say they never gave XXXX money but rather they put it in saving account but balance never went up. I filed the complaint got print out from bank showing a discrepancy banker in bank and online file a dispute. They closed the dispute saying they don't owe me. Won't account for my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TRANSUNION, THE XXXX OWNED FOR PROFIT COMPANY ENJOYS VIOLATING THE FAIR CREDIT REPORTING ACT ( FCRA ) WHENEVER IT SAVES THEM A NICKEL AND THEY CAN GET AWAY WITH IT. 
IN MY CASE THEY DAMAGE ME ; ILLEGALLY ; THEY HAVE PREVIOUSLY RECEIVED DISPUTES AND CFPB COMPLAINT AND HAD THE 30-45 DAYS TO REMEDY BUT THEY DON'T DO IT.THEY HAVE A LOT OF XXXX WORKING FOR THEM THAT TAKE THE LOW PAY JOB VERSUS THE ALTERNATIVE OF SELLING THEIR CHILDREN IN ORDER FOR TU TO IMPLEMENT '' THE WORK ''. 
I HAD 5 ( FIVE ) US DEPT OF EDUCATION SCHOOL LOANS ON ALL THREE BUREAUS, THAT WERE NOT MINE ; NEVER WERE MINE ; HAVE NO CONNECTION TO ME WHATSOEVER, OTHER THAN THEY ARE ON MY CREDIT REPORTS AS ERRORS OF THE DEPT OF ED OR IDENTITY THEFT. SINCE THERE HAVE BEEN A MOUNTAIN OF VERIFICATIONS IN RECENT MONTHS, I DEDUCED THAT IT WAS IDENTITY THEFT AND FILED THE REPORT WITH THE FTC THAT PERTAINS TO THE FCRA REQUIREMENTS REGARDING ID THEFT. 
SINCE THAT TIME XXXX HAS REMOVED ALL 5 LOANS, XXXX HAS REMOVED 4 OF 5 LOANS AND TRANSUNION, THE COMPANY THAT LOVES TURNING 30 DAY INVESTIGATIONS INTO 45 DAYS IF YOU GIVE THEM A PAPER WITH YOUR NAME ON IT, AS ADDITIONAL INFORMATION ... ..TRANSUNION, ... ..THE SLOWEST OF ALL 3 COMPANIES, THE ONE THAT LOVES THEIR MONEY THE MOST, HAS REMOVED ONLY TWO OF THE 5 FRAUDULENT ID THEFT LOANS ... 
THE TWO XXXX DOLLAR XXXX LOANS ARE MINE.IT IS OBVIOUS.THEY HAVE A PERFECT PAYMENT RECORD. 
WHILE VENTILATING HERE, I HAVE NOT LET GO OF THE THOUGHT OF LAWSUIT FOR THE " EASY '' case against Transunion  for seemingly endless false credit reporting on me ... maybe my parents will pay the attorneys for the recouping of damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account is reporting TWICE on my credit report. Same amount, creditor, yet this is being reported by two entities from same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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 other 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/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 explanation
Consumer complaint received 2022-07-13
Company: Alpha Recovery Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owed money/funds from XXXX XXXX XXXX However ; financial hardship came and I tried to settle my debts with XXXX XXXX XXXX BUT it did 't work since XXXX  XXXX did not do what they have promised based on what was agreed. I realized freedom was not paying my creditors accordingly, instead they want more money to start repaying my debts. One of the lenders included in debt consolidation was XXXX XXXX. I tried to correct what was already damaged, they XXXX XXXX XXXX stated my loan is already in collection, therefore ; I have to coordinate with them. XXXX XXXX  did not mentioned the name of Alpha Recovery Corp. until I received a call at work by the name XXXX or XXXX with phone number XXXX. She was aggressive, I asked not to call my work number instead call my cellphone. But whenever, XXXX calls and I missed to answer my cell phone during working hours she would then call our office and asks for my name. Our receptionist would then transfer the call. I made a verbal settlement over the phone with Alpha recovery corp., I believed XX/XX/XXXX to start in XX/XX/XXXX not sure the exact date. I will have to go my bank to recover 3 years of statement to be able to get full payment detail since Alpha never provide payment history statement. the last harassment they did was XX/XX/XXXX / XXXX XXXX they said they will call back XX/XX/XXXX to review my debt. I have been calling them since XX/XX/XXXX, during their business hours, machine answers all the time saying " our office is currently closed, please call during office hours '' I have been calling XXXX and XXXX, no one answered. I tried going online using their website address the site can't be reached. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX is reporting closing an account on XX/XX/2021. I do not recognize Thais 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 2023-05-19
Company: EQUIFAX, INC.
State: IL
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:
none of the following accounts are mines! 
I haven't applied to any of these accounts listed below on the document I have provided this is definitely fraud and needs to be removed off my credit eclectically when it's not my doing. the payment status data listed on some of these are mismatch compared to other credit reports. data set related inputting of accounts were not metro 2 compliant. 
somebody had to get my information from somewhere because these are all unauthorize inquiries the i have never even applied for this is not okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
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: Information belongs to someone else

Complaint:
This account does not belong to me, Equifax verified that this account doesnt belong to me as stated below, however the account is reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NJ
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:
Disputed with Equifax, they partially corrected historical inaccuracies but the 'current balance ' / XXXX and/or XX/XX/2023 are showing incorrect. 

Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone has taken complete control of my identity, I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report.Not sure who has my information or how they got it .I have been calling the credit bureaus explaining this but as of today they have been any help.Please help me take back my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/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