BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: CCS Financial Services, 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: Old information reappears or never goes away

Complaint:
On XXXX I was contacted by Credit Collection Services regarding a past due bill owed to XXXX, I mailed a request for the original billing statement and received a health insurance claim form completed and signed on XX/XX/XXXX. I submitted this to XXXX XXXX XXXX and they paid the bill on XX/XX/XXXX. On XX/XX/XXXX I received an alert that this bill was added back to my credit report so I contacted XXXX and was told that they would contact the collection agency to close the account. 
On XX/XX/XXXX I filed a dispute with the 3 credit reporting agencies and the item remained on my report as a paid collection. I contacted Credit Collection services and was told that the only way it would be removed is if I paid them. I explained that my insurance paid the bill and it needed to be deleted but got nowhere. This item must be deleted from my credit report and credit collection services should face punitive action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX  to XX/XX/XXXX XXXX {$6700.00} $ XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX and XXXX $ XX/XX/XXXX to XX/XX/5894 $ XX/XX/XXXX XX/XX/XXXX XXXX These are the dates of some of the withdrawals that I didn't make or authorize for.anyone to make. Please see attached photos..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX AES/SUNTRUST XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told i was on a hardship plan of {$70.00} a month. All of a sudden this payment plan changed to a minimum payment without notifying me. When i made a hardship payment instead of the minimum payment i had no idea my credit score was lowered from XXXX to XXXX. 
I was decieved into making larger payments then penalyzed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/2023 This issue involves the handling of our account, escrows and unfair and capricious amounts of monthly payments. PenFed Credit Union has raised our monthly payment due to the following : 1. Paying taxes XX/XX/XXXX  which were due on XX/XX/XXXX  and stating that they were in default. ( They paid taxes in XX/XX/XXXX  for XX/XX/XXXX  taxes of {$3000.00} ). 2. Changing our monthly payment of interest only from {$1400.00} to {$3000.00} due to the addition of escrow. 3. Telling us as customers that if we don't pay the full {$3000.00} then we will be in default and that it will be deemed a partial payment. The loan amount is {$160000.00}. 4. Putting on a forced placed insurance when we already have insurance in tact. Their rationale is that if you were months behind on your property taxes, that they will automatically start escrowing for insurance as well. It doesn't matter to them that you already have insurance. 5. Making errors as it relates to mortgage escrowing. The company returned {$1700.00} due to overcharging. 6. Escrow payments should be spread over several months. 7. PenFed is not considering the increase in payments from {$1400.00} to {$3000.00}. 8. PenFed is attempting to hurt our credit by claiming partial payment of {$2100.00} on a {$160000.00} loan. They are seeking {$3000.00} for the month of XX/XX/.

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 2022-12-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX 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 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 2023-08-22
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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion deleted and reinserted this inaccurate item twice in a week which proves they never sent me a written five day notice. On XX/XX/XXXX Transunion deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. They then removed it again on XXXX XXXX and has reinserted it without a 5 day written notice. I have repeatedly sent them requests for VALIDATION which they have failed to provide. They said it was verified through the courts via telephone and I provided them a letter I personally received from the courts stating that they do not give any of that information to credit bereaus. In addition, the public records law as of XX/XX/XXXX states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.

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 2022-01-31
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
While they did not state I was committing a crime, that was the most appropriate selection I was given. 

One Main Financial, XXXX XXXX XXXX XXXX, XXXX, Il has, on multiple occasions, stated that they will report my and others late payments at the end of the month, even when they are far under 30 days late. They use this as a scare tactic, stating that payment after the end of month will affect your credit. 

The latest incident occurred with XXXX on XX/XX/22. I informed her of the FCRA rules, and that the credit bureaus only report 30, 60, or 90+ lates ( as you can see next to every credit item or confirm with each bureau ). She stated it doesn't matter how many days, at the end of the month it affects your credit. When I informed her of this again, and asked her to look at the appropriate late boxes on a credit report, she chuckled and said she doesn't know because she doesn't make late payments. 

This is not the first time this has been said, nor the first employee from this location to say it. It appears to be a company policy, using it to scare customers into compliance. While there is no harm in saying they report lates at the end of the month ( as most companies do ), there is harm in telling customers incorrectly that it will hurt their credit even if they are less than 30 days late. This particular instance is a 15 day late they are threatening to report. 

While most interactions with them have been pleasant and helpful, this policy of teaching their employees incorrect information to scare customers is unacceptable. I want to emphasize I am not reporting against the employees, but the company whose policy they've been taught and told is truth. The employee is just doing her job ( other than the snarky comments... ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX   XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN CAUSING SERIOUS DAMAGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX 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 2023-08-22
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XX/XX/2022 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 2022-12-08
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am check in my credit report today, I found one collection account in my report, But this account is not I opened, Because I didnt deal with the company from the collection account, Also I never receive any letter, email, phone call about collect debt from the company, That means the company dont have my all correct information, it is someone steal my some information like name, social security number to open the account, and I already set a alarm on credit bureau a few months ago, so please remove the collection account from my credit report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are all reporting as closed and profit and loss write off with a balance. They filed profit and loss wrote off with the IRS which means I should be given a 1099 to file with my taxes. They should not be reporting the amount on my credit report thats tax fraud.

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 2023-03-24
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Medical services data inc is reporting a collections on my credit report for an amount totaling {$1100.00}. When I contacted the company they mentioned that it is my debt and when I asked for them to send me verification of debt they failed to do. The dates reported on collection is XX/XX/2022 I have no open medical record this is illegally being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Meritize Financial Inc.
State: TX
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 Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from Meritze. Nothing In Meritze Letter aligns up with what XXXX is Showing me in my account. 

My XXXX Score is XXXX as of XX/XX/2023 In Adverse Letter From Meritze It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my XXXX account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on Meritze Adverse Letter of Denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Good afternoon, Due to the new Medical Debt Relief Act of XXXX, I have been trying to get some medical debt removed since XX/XX/XXXX on the XXXX XXXX website under the Transunion credit and it says they are working on it but it's been four months and the dispute options are locked up where I can't follow up. 

When I went directly to the Transunion website, they are trying to charge me XXXX dollars a month in order to sign up to directly deal with them. 

I just went directly to XXXX and had to submit the disputes there so I will wait to see what happens. 

There are laws in place to protect many people like myself who are responsible, law abiding citizens that have had bad luck with health issues no matter how hard we try to take care of our health. 

PS, I have a 94 % payment history for all of my other payments! 

Can you please remove the medical debt from my credit report please? 

Thank you, 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 2019-05-26
Company: EQUIFAX, INC.
State: MS
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 disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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