BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: UHG, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX informed me via letter dated XXXX2021, that an alleged debt had been sold to UHG I LLC. UHG I LLC has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by UHG I LLC fall under XXXX XXXX under Article XXXX or XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My primary complaint involves Equifax Information Services, LLC ( The Consumer Credit Bureau ). As a resident of XXXX, GA, the home of Equifax, I have extensive experience with the company. They have always been extremely difficult to reach by phone, very slow to process fraud and identity theft disputes, the last of the 3 major credit bureaus to update information in my credit file, and, as a verified victim of the massive and criminal data breech, I have been treated extremely unprofessionally and dispassionately every time I seek their assistance. My strongest desire is that this negligent, unprofessional, vulnerable company should not and can not be trusted with my sensitive financial information or anyone else due to the damage they have directly effected my credit profile and fair ability to thrive in life and business. Recently, I was a victim of fraud involving the purchase of over {$7500.00} of counterfeit sports collectibles affecting my 3 credit cards with XXXX XXXX XXXX XXXX. I filed a fraud claim for every item purchased involving each of the 3 credit cards. I was first issued new cards and my old were destroyed. After submitting substantial evidence, I received a preliminary credit from XXXX. Equifax still reports these accounts as valid even though they have been determined to be fraud. More details are included in attached documents supporting this statement. The bottom line is, I need assistance to correct the inaccurate and damaging information from each XXXX credit card deemed fraudulent, as the other credit bureaus have already done, and to guide me in pursuit of legal Federal actions for the harm Equifax has done to my financial position and emotional/physical health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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 these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
These companies are reporting account as late payment doing COVID 19 I am asking for these late payment be removed it wasn't no way I could have made payments do to COVID-19 I caught XXXX XXXX and also some account are reporting inaccurate information.. credit central.. XXXX XXXX XXXX XXXX XXXX  XXXX  is reporting inaccurate information account belongs to my XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company keeps reporting inaccurate information on my credit report. Ive filed XXXX dispute and they arent correct the inaccuracies! My other reports reflect accurately and I would like this to be removed due to the inaccuracies claiming to be verified and a formal investigation not properly conducted. Please answer how an account goes from closed to open and now no information is available?

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 2019-11-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN XXXX  THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXXXXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO XXXX XXXX XXXX XXXX XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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 NUMEROUS 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 : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX 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 2021-09-30
Company: Acra Intermediate Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off due to XXXX XXXX and fell behind on payments. 
i applied for mortgage assistance from the lender Citadel servicing Corp. 
They sent me a reinstatement letter for {$45000.00}. i did not have it. 
i recently got a call from XXXX XXXX who said that Citadel was prepared to take {$30000.00} in XXXX as deposit. I told her that i did NOT receive any such call for email. 
She said she would find out what could be done. I told her i could pay {$40000.00}. 
She did not get back to me until yesterday, almost a month later with a reinstatement letter for {$75000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please be advised that the following account should not be on credit file :! - XXXX XXXX XXXXXXXX account # XXXX Authorize user, terrminated relation 2XXXX XXXX XXXX XXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. 
delete account s from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for XXXX, XXXX and transunion. 

Also, respested companies. 


Thanks, 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 2021-02-10
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent law enforcement report, ID, and utility bill to XXXX so that they could block the fraudulent charges appearing on my credit report. I communication over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. XXXX  failed to respond to investigate the initial dispute within 30 days and is in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-06-26
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB cfpb - Case number : XXXX is to combined with THIS case as you required extra information, being that there is NO place online to add the extra information required, I find it prudent to resubmit in full. I spoke with customer service who advised me to go online and add what is required, as this is NOT possible, I will fix the problem by resubmitting. Thank you for your understanding in this matter. 

NOTICE OF NON-COMPLIANCE / VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT FORECLOSURE FAIRNESS ACT AND THE CONSUMER PROTECTION ACT. 
COMES NOW, XXXX XXXX XXXX and XXXX XXXX XXXX, ( Hereinafter referred to as " Homeowners '' ), to file this NOTICE OF NON-COMPLIANCE I VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT ( DTA ) THE FORECLOSURE FAIRNESS ACT ( FFA ) AND THE CONSUMER PROTECTION ACT ( CPA ) including but not limited to, in order to set aside Homeowners ' Deed Of Trust ( DOT ) for fatal defect, and subsequent erroneous filings by pretender Lenders and the Loan Modification in this matter as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX/XXXX # XXXX  is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.

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 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. Kindly fix this accounts : CAPITAL ONE XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
All my personal information for all three credit bureaus was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've been trying to get a XXXX fare ticket refunded. First through the merchant with nonresponse, and then through the citibank XXXX XXXX the ticket was charged on. According to the merchant policy I could make changes or cancel the ticket up to XXXX hour prior to departure. I canceled it 6 days prior to departure and less than XXXX hours after receiving confirmation.Even if there were any fare restrictions, fine prints, would have been overridden as stated by the merchant if they failed to confirm my reservation within XXXX hour due to internal delays. Furthermore, the purchase of a new ticket for the same travel date and itinerary 6 days prior to departure and only a few hours after receiving XXXX  reservation confirmation, also using the same credit card ending on # XXXX along with the submitted documentation 's timeline proves I have done my due diligence to cancel this ticket as I don'tsee any reason Id keep both. 
I will never again purchase a travel ticket unless it's straight from the carrier. Online merchants who make it impossible forthe customer to reach customerservice and don'thonor theirpolicy like this particularmerchant give a bad name to online sellers. 
The credit card company has shown little to no effort to settle this matter

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 monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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