BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: CITIZENS FINANCIAL GROUP, 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: Problem with personal statement of dispute

Complaint:
I was in XXXX  on XXXX  WITH XXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in XXXX and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX  IN A XXXX  AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX  IN XXXX AND CONTAGIOUS WITH XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM XXXX XXXX, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX  ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX I began receiving notices from Ed Financial ( my loan servicer ) that their records indicate that my last scheduled payment had not been received. Initially I ignored this because I knew that I had made the payment and had BEEN making payments even through the Pandemic when people were able to stop school loan payments. When I received another letter in XXXX stating the same thing and showing a bill for double the loan payment I called Ed Financial. 
The customer service representative told me that they had not received payments from me since XX/XX/XXXX. I said that's a lie because I have my bank statements show otherwise. I asked her where my money has been going. She told me that they had undergone some changes to the billing address ( which I was never notified of ) and that there may be a delay since I make payments to a no longer used account. I told her someone is taking that money because it is being removed directly from my checking account just days after I post the payment. I demanded to be sent a print out showing my payment history and she told me I would have to go to my bank and get check stubs or anything else to prove TO THEM ( Ed Financial ) that I had been paying. I also demanded to know why my total outstanding loan balance is STILL over {$100000.00} DESPITE having been making payments since I graduated from school in XXXX. During that period of time I had only two BRIEF periods of loan deferment but began paying as scheduled when each ended and have been doing such for YEARS. She basically told me she was not able to give me that information and I demanded to speak with a supervisor. I was told that I would get a call in 48 hours. That never happened ... .HOWEVER they did send me an accounting of all of my payments going back to XXXX when I consolidated my loans into one payment. It is CRYSTAL CLEAR that I have been making payments for YEARS and if you look at this accounting you will see instances where the balance jumps HIGHER despite my payments. I need you to PLEASE look into this account and find out how they have been mishandling my loan payments all of these long years and why 27 years after graduating from school and MAKING LOAN PAYMENTS CONSISTENTLY that I have a balance that is literally HIGHER than when I started? Where has the money that I have been paying been going? There is not THAT much interest in the world at 4.5 % Please HELP uncover this fraud and let what I actually owe be reflected once and for all.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-18
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 fraud alerts or security freezes

Complaint:
I have spent more than 4 1/2 hours on the phone today, trying to get let a freeze lifted from my credit report with the TRANSUNION people!! My entire day was ruined and I still have no solution. I am trying to get a refinance on my home and this is an URGENT matter. My mortgage broker was also on the line while we tried to get help, but two or three people finally got on the phone, and said they would call a supervisor because they couldn't help, but then at one point or other in their questioning, ( and I repeatedly was asked to verify information about 6 or 7 times this afternoon. ) suddenly the line would go dead... apparently they had hung up! .this happened twice this afternoon and then again twice tonight. I was trying to stay calm and answer all their questions again, but two of them had heavy accents and when I answered their verifying questions, they said my answers were wrong..twice!! 

At one point they " suspended '' my account because of the wrong answers. The questions were from 2010 where I lived and ones like that, and the way they were worded was confusing with other questions, and it was hard to even understand what she was saying! Now I have a message that '' the credit freeze service is temporarily unavailable '' No one there is able or can help... when they can't they just HANG UP!. This is preventing me from going any further with my refinance so it is URGENT. Please help. Thank you. this is atrocious behavior on the part of Transunion!!!!. They don't seem to CARE at all..when the supervisor gets on the phone and then hangs up after I explained what I had been going through., I have a witness to all of this, the mortgage broker as well. I need this refinance in order to keep my small business operating!! Please help me get this credit freeze lifted with this obnoxious, uncooperative company! Thanks you. 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 explanation
Consumer complaint received 2023-02-13
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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$0.00} 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 2022-10-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. XXXX XXXX XXXX Account # XXXX. You are reporting a late payment in XX/XX/2020 yet XXXX and XXXX are reporting paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report

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 2017-07-18
Company: EQUIFAX, INC.
State: CT
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:
Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX     XXXX  2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification.
Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX   This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be removed.Its an unverifiable account.please remove it/them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I notice a bankruptcy alert in my credit report, from which I was unaware of.I proceeded to call the original creditor which phone num was XXXX, ask them for information regarding the bankruptcy the lady ask for my full name but in her system I appeared to be located in Texas, which is wrong I dont. I communicate her that I couldnt be me and she asked for my social since I didnt have an account number ( because I never received letters to my house regarding the debt that I Own. She said that the only way to verify me was with my social which I denied saying it. I havent been to an ER facility in over a year plus I am not from around the area this ER is located at. I believe someone stole my identity and claimed this money, because they have my old phone number on file. I dont have any documents to upload because this people didnt even sent letters of notice otherwise I would had taken maters since the early beginning, before something like a bankruptcy under my identity would have happened.

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 2023-06-22
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first debt collection letter I received was XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  stating it was a collection agency for LVNV Funding, LLC & Original Creditor was XXXX XXXX ( acct ending XXXX XXXX XXXX XXXX  for I called XXXX XXXX and they confirmed that the debt was not mine ; ( verification by my address & SS # ) I wrote a letter to XXXX  and stated they had the wrong person ; they are " debt tagging ''. On XX/XX/XXXX I received two separate letters ( dated XX/XX/XXXX ). The first letter was Resurgent Captial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating they manage the account for LVNV Funding LLC and are trying to collect the same debt. The second letter, dated XX/XX/XXXX provided a XXXX XXXX from XXXX. When I called the court f they advised me the case had my first initial & last name but different address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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: Their investigation did not fix an error on your report

Complaint:
1. XX/XX/2021 - Collection appeared on Transunion credit report from XXXX XXXX XXXX XXXXXXXX ( Original creditor - XXXX  ). I have no affiliate with neither XXXX XXXX XXXX XXXXt nor XXXX. 

2. XX/XX/2021 - Contacted XXXX XXXX XXXX XXXX for evidence but was not provided any 3. XX/XX/2021 - Filed complaint against XXXX & XXXX XXXX with XXXX  4. XX/XX/2021 - File dispute with Transunion to remove erroneous information 5. XX/XX/2021 Transunion sent closed dispute stating that the information was verified and accurate XXXX. XX/XX/2021 A Desist and Refrain Order was placed against XXXX XXXX XXXX XXXX by The Commissioner of Financial Protection and Innovation I have no additional evidence as this account does not belong to 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 2023-09-13
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requesting the debt collectors licensing number before having a constable serve an affidavit for smalls claims court. Need to make sure they are licensed to collect on an alleged debt here in the state of Utah. LVNV is still currently reporting to the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts that need to be removed immediately.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: CA
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. 

Account names : -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit score keeps dropping on wrong information And address incorrect

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 2023-07-05
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at XXXX XXXX XXXX in XXXX, PA back in XXXX. I decided to move to a different apartment complex XXXX XXXX in XXXX XXXX in the late spring of XXXX. I never signed a new lease at XXXX XXXX XXXX  yet they decided to put {$17000.00} on my credit report. They even rented the apartment right after I left and I still got charged. At the time I was living with an ex-girl friend and she also moved out of the unit but stayed in the same complex. 

I have been fighting this debt for years now and it has affected my ability to gain better credit scores and move forward in life. 

Creditor information Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : National Credit Systems collections date : XX/XX/2020 amount {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
I havent been able to get an updated Credit Report from Equifax for more than 3 months now please tell them to fix my profile Ive already escalated this with them several times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
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 {$75.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$140.00} .... 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation