BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Rausch Sturm LLP
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX  did not comply with the 30 day dispute nor any requests I had made, and then filed a lawsuit against me in order to collect a debt that was paid through a debt consolidation company I was using. A dispute letter was sent via certified mail to XXXX XXXX XXXX XXXX as well as to XXXX XXXX XXXX which represent XXXX XXXX XXXX which was signed for XXXX. I received a motion for XXXX XXXX dated XXXX. I received a packet of papers for my written dispute which was postmarked for XXXX. I also have an attorney representing and she reached out to XXXX XXXX at least 3 times via email and no response to anything that was sent. The last court date I attended another attorney was in attendance not XXXX XXXX. The case was dismissed without prejudice. I had all documents from my debt consolidation as well as my attorney and this left the case open for them to pursue me further. I tried contacting Rausch Strum LLP for clarification on this matter and no one ever contacted 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX CAP XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Debt recovery solutions appeared on all three of my credit reports. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  appeared. I have been trying to figure out for the life of me what these debts are. It looks like my original creditor for XXXX is XXXX XXXXXXXX XXXX  But after having my loan specialist pull it up it states medical. Which is why I made a payment. In XXXX but after doing extra research I believe these two companies are in pursuit of the same debt. Very, very criminal. Back in XXXX  I had a loan with XXXXXXXX XXXX. And it was for about XXXX. Both of these collections are XXXX and one for XXXX. I believe they are debt parking and trying to rob me.. XXXX a medical collection appear as XXXX XXXX XXXX I think it would state the hospital. When looking at my allotment in for XXXX the bank was XXXX XXXX and XXXX XXXX XXXX Neither company has validated the debt and they are still parked on my credit report. Violating FDCPA section 1692 e ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Did not do what they said they would do in my 1st or 2nd Complaint! They have my SS # blocked where I am not able to call to speak with a person about a dispute that came back on my report. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! Please refer to my complaints # XXXX and # XXXX. They are sending a general response and NOT fixing the problem!

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
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: Information belongs to someone else

Complaint:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Every month when I try and log onto XXXX  it locks my account and forces me to go through a lengthy unlock process that usually involves calling them. Also about 50 % of the time when they instruct you to use the app its broken, and it locks your account. I have been using a password manager for at least a year and I get lock out every time. 

Then I asked the customer service rep what would happen if I XXXX  my self, and they replied they would go after why wife and child to collect. 

They actively do not help you work towards resounable payments but put you on forbarence so they make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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

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 2020-12-29
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:
I have been contacting Transunion since XXXX of this year atleast twice a month. I have filed ftc reports proving fraud, several cfpb complaints, XXXX XXXX XXXX complaints and even contacted them directly for help. They have not showed any proof of the accounts i told them were not mine. XXXX and XXXX  data breach both have my information in their systems to prove my info was stolen. transunion is just receiving this information and sending out the same letterx. illegaly denying me to remove the items that are not mine. can someone please help me. they are not willing to take off acounts that are not mine and I have tried comtacting cfpb as well for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Credit Technologies, 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:
I am distressed that you have included CREDIT TECHNOLOGIES information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account opened at XXXX, and agreed on terms and interests, bank kept lowering interest without prior notice, when complained about losses they threatened to close the account. 

When making withdraws bank gave damaged bills and refused to exchange, gave hard time to give big denominations. 

Held direct deposit funds for a day or two without any explanation. 

Bank manager XXXX XXXX has retaliated when complained with her district manager XXXX XXXX, who claimed to be a director in the company, a unsigned letter was sent indicating they are closing the account. 

This is a result of my complaint against their employee XXXX XXXX. 

Upon looking a list of directors filed by XXXX XXXX  with the XXXX  and XXXX or XXXX, no director with such name in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing this company for years, I have never received written notification of this debt or my right to dispute and based upon that info this debt needs to be removed from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Loancare from XXXX XXXX, I was advised in writing and verbally that my bi weekly payments would map over the same way as it was set up with XXXX, except for the month of XXXX 2019 and provided me the dates of the auto debit for XXXX however they did the draft on the wrong date in XXXX, causing my account to overdraw. I made several more calls and was guaranteed this is an isolated issue and XXXX would have my proper auto debit dates in place, which it was not and again overdrew my account withdrawing the funds too soon, I spoke to a XXXX, XXXX and a supervisor named XXXX who gave me his employee no.XXXX, as a guarantee that XXXX,. auto charge would start in the 2nd week which is how I had it in the past, then every other Friday, but couldn't give me anything in writing. XXXX stated my letter of transferring the servicing of the loan is all they would provide, which I received but with no payment dates, that was provided verbally when I received my first call to advise of this transition. I had called again this week and another supervisor, XXXX advised I was given the wrong information through this whole process and my auto payments will remain the way Loancare has it set up and can not change it, regardless of what XXXX XXXX  had in place. This type of service is inexcusable and now a struggle to keep my mortgage in good standing. Having the set up with XXXX XXXX was for a reason and they accommodated that need to make sure I could manage my mortgage payments. Loancare is setting up me and anyone else in the same position as I am for failure. This is not fair lending in terms of taking over a mortgage from another company, I need help. XXXX wasn't even certain about what happens with and 5 week month when an extra payment will come out, what kind of service is this?

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 2020-12-29
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX and XX/XX/2020 I have submitted disputes with the Experian credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. Experian refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.

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 2020-12-29
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: Was not notified of investigation status or results

Complaint:
I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the Equifax data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: MO
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 am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference  # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 non-monetary relief