BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX and 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 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 2020-06-19
Company: Ascendium Education Group
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co signed for a student loan, now I have 5 different loan agencies reporting 5 different loan amounts. 
Original loan was {$8.00} now it's {$94.00} How is this possible??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2022-03-30
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-11-13
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: Account status incorrect

Complaint:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

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 2023-05-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last year, I initially filed disputes with Chime Bank. Claim # XXXX They were denied after supplying documentation of my identity theft. This year I had gone to file another dispute on an error of my own, and the supervisor that was taking my dispute advised me when I told her about the disputes from last year that I needed to resubmit them and send a rebuttal which I did. I submitted documentation showing that the transactions on XXXX XXXX could not have been done by me due to the fact that I have a XXXX XXXXXXXX against my XXXX XXXX accounts, and I can not use them nor have I been able to for the last two years. I provided proof of the XXXX XXXX and numerous emails from XXXX XXXX confirming that there is a lien on my accounts and that I can not use them. This claim was denied so I was advised to continue to appeal it until it was approved because I had more proof than God they should be honored. I have appealed it six times now. This last time I was eligible for provisional credits on XX/XX/XXXX and when XX/XX/XXXX came and they were not put into my account, I contacted Chime Bank and I told them that I was supposed to have them that day. I even sent emails from Chime Bank investigative team. And they confirmed that they would be sent and issued on XX/XX/XXXX Which they were not. After contacting them all day on the third, I was told to email them to ask them where my credits were and that I was entitled to them just to receive a letter via email from them on the XX/XX/XXXX stating that my dispute has been denied yet again. They violated Reg E by not placing the provisional credits in my acct on the 10th business day and stated in their communication with me. Instead they strung me along the whole tenth business day, supervisors stating to me on the phone that my provisional credits were overdue and that they would escalate it to have the credits put back asap., they never emailed me on the 10th business day other than those emails and then on the 11th business day emailed me to tell me again they found no error on my account for the sixth time despite the numerous documents. They by law should have issued the temporary credits to my account in XX/XX/XXXX and they violated a federal guideline by not doing so. Or updating me on my claim other than telling me initially that I would get credits that day. I will continue filing dispute against this company and filing complaints until I get my money back because this is ridiculous. I would also like to add that I am and have been mentally XXXX and collecting SSDI since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MI
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:
Improper credit reporting

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$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 2020-06-19
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX  sold my home loan of 18 years suddenly and without warning on XX/XX/XXXX to Specialized Loan Servicing LLC. The Covid-19 crisis in XXXX has left me out of work and not allowed to return to work until stage four of the recovery. Specialized Loan Servicing LLC is allowing our loan payments to compound and is demanding a lump sum payment as soon as the XXXX XXXX District Court reopens during phase one of the recovery or foreclosure. Specialized Loan Serving LLC refuses to modify the loan. One representative even verbally agreed that " Yes. This is predatory. But you agreed to it legally. '' This experience is not surprising after years of predatory and abusive tactics by the original lender, XXXX XXXX. Discrimination, reverse red lining, etc. This loan is a predatory loan dinosaur that pre dates the Housing Crash of XXXX and is a shell corporation used by XXXX XXXX to liquidate sub prime loans off the books. Over the last eighteen years we paid a vast fortune in interest at 7.25 % and now the Covid-19 crisis is being used by XXXX XXXX and its associates to prey on consumers even further. Specialized Loan Servicing LLC is a shell corporation set up by XXXX XXXX to circumvent banking regulations.

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 2022-03-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit calls at least once a day from various numbers and never leaves a message. I don't know what this debt is for on whose behalf they are collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a COVID 19 forbearance Plan with XXXX XXXX which was to end on XX/XX/XXXX. XXXX XXXX transferred my loan to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

I kept in constant communication with SLS until my loan was loaded onto their system. On XX/XX/XXXX I spoke to a teller by the name of XXXX he said he would put in a submission for me to get a Deferral Loan Agreement Plan and I would learn of the outcome between 7-10 business days. 

However on XX/XX/XXXX I received a letter dated XX/XX/XXXX from SLS informing me that I had been approved for a Forbearance Plan dated XX/XX/XXXX to XX/XX/XXXX based on an incomplete loss mitigation. SLS took on the servicing of my loan on XX/XX/XXXX. 

I have never asked for a Forbearance Plan from SLS. Further I wish to point out that I had NOT missed any mortgage payments prior to going on a Forbearance plan with XXXX XXXX and it was still in effect when they transferred my mortgage to SLS. 

I have received two Escrow Account Disclosures dated XX/XX/XXXX and XX/XX/XXXX which in short pointed out that I had an escrow shortage of {$290.00} and {$280.00} respectively which would bring my mortgage payment to {$1300.00}. 

I called SLS and again spoke with XXXX and I told him I agreed with and accepted the Deferral Loan Agreement Plan and would make a payment. He told me the mortgage payment was {$1300.00} which I paid - confirmation # XXXX. I called and spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX to ask about the correct amount of {$1300.00} for the mortgage. She told me to give SLS some time to make the necessary adjustment, I called today XX/XX/XXXX and spoke with XXXX who said she was showing that I had missed a payment because I paid the wrong amount of {$1300.00} instead of XXXX and therefore the payment would not go towards XXXX 's payment on the Deferral Agreement Plan and now my mortgage was two months behind. I contested this but she insisted that she was going by what she saw on her computer. I asked to speak to a supervisor. She put me on hold then came back to say a supervisor was not available but she would put in a request for one to call me. I am still waiting on the call. 

I called back today and spoke with XXXX ID # XXXX who also reiterated that the Company was not to be blamed for the error. I decided to pay the difference of {$12.00} - to bring the payment up to {$1300.00} - Confirmation # XXXX. 

I am concerned that because today is the XX/XX/XXXX, XXXX will say my payment is late and the account could still be seen as overdue. Please send on my concerns to SLS so that my account can be properly adjusted. I would also like to be able to deal with only one person while dealing with this matter so at least there will be some continuity of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. 

Balance {$40.00} Credit limit XXXX XXXX  Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( 7 mos ) Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$5.00} Worst Payment XXXX XXXX XXXX Late Account Details Account status Open Type Charge Account Responsibility Individual Account. 
Remarks No XXXX XXXX XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2022-03-30
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Tenant sent payment via CHIME online application. By the time I set up CHIME account, the payment was marked expired but the funds were not returned to payer. After repeated contacts to CHIME customer service, CHIME has not returned the {$1200.00} payment to the payer or released it to payee :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My transunion credit report was to have a credit freeze added on per my request And i found out that transunion never applied the freeze, leaving mu personal information open to identity fraud. So during a conversation with transunion i revealed it was open.

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 2023-04-17
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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: Investigation took more than 30 days

Complaint:
The credit bureau Equifax is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/2021 as well as a follow up letter on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam, Last XX/XX/XXXX my daughter XXXX XXXX XXXX, XXXX   years of age experienced XXXX XXXX and XXXX while we were having a 3 day vocation in XXXX XXXX, Nevada. We brought her at the emergency room in a hospital in XXXX XXXX. 
At the emergency room we informed the nursing staff that we do not have a health insurance. We informed them we can only pay the emergency room fees since we do not have a health insurance. 

A practical nurse examined my daughter and gave her XXXX XXXX XXXX. There was no Emergency room physician that examined my daughter and after paying the emergency room fees of US {$600.00} through our credit card we were discharged from the ER. 

However, after 4 weeks a collection agency keeps on threatening us that we need to pay our balance of US {$880.00} for the doctors fee. Even though there was no medical doctor or Emergency doctor that examined my daughter. The collection agency keeps on writing and calling us since last year and threatening us that they will report to the three credit bureau .for our debt collection. I am a XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX  visiting from XXXX XXXX XXXX and we are aware that only a nurse examined my daughter and gave us a prescription her XXXX. 

Collection agency.is making a fraudulent claim and this unfair practices should be stopped and they should be reprimanded for false claims. 

XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are harassing us through phone calls and letters. 
Creditor XXXX XXXX XXXX XXXX Account XXXX Amount : US {$880.00} Service Date XX/XX/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 explanation
Consumer complaint received 2023-08-16
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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