BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to find help and each time I reach out my problem worsens. My student loans went into default during the pandemic. U.S. Dept of Education transferred my loans in XX/XX/XXXX ( while they were suspended during the Cares Act ). I was never told of this, until noticing my credit report took a major plunge. Since then, I have been flagged on my credit as no payment ( even though they are suspended due to the Cares Act ). 
I tried disputing with credit bureaus only to have my score lowered. I filed a complaint when I noticed my score dropped XXXX points due to student loan payments. When that didnt work, I filed a complaint with you regarding my student loans and everything that has been happening regarding them. The issue has worsened due to filing a complaint. Now, on my credit report, I am showing 80 missed payments for student loans from XX/XX/XXXX XX/XX/XXXX for four of the loans. 
My question is how is this possible. My loans currently are suspended with 0 % interest rate. How can 80 missed payments be legally put on my credit report if I am not required to make payments until after XX/XX/XXXX? 
Ever time I try to dispute, my credit score is more affected. 
I try calling to get original loan terms and a history of my payments and I never get help. I called today, XX/XX/XXXX, and was given a website XXXX  and was told I can see all my payment history. When I go to the website, it states none of my payment history is available currently. 
I also have screen shots attached showing my direct federal loans defaulted or not defaulted are eligible for 0 % interest, suspended payments if it states Dept of Ed is your servicer. They still show my servicer even though on my credit report it says they are not. 
What do I do, I am stuck? I want to hire an attorney, but because of cost, I am hesitated to take out of my XXXX to fund this. The amount of points student loans has deducted from my credit report since XX/XX/XXXX makes taking out a loan not likely in my future to pay for an attorney. I have dropped over 200 points within 6 months and student loans activity is always the reason. 
I am also a student and have been since XX/XX/XXXX. This issue has made my situation worse, due to the whole time during the pandemic student loans have prevented me from receiving any sort of loan due to reporting on my credit report.

I didnt think student loans could damage a students credit report while in school during the Cares Act. 80 missed payments have just destroyed any sort of credit repair and made any goal to repair my credit unreachable. 
I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: SC
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.

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 2022-08-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Colony Brands, Inc.
State: OK
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 never initiated or opened any account with Swiss Colony or any of it's associates or affiliates. I disputed the validity of the account with XXXX and XXXX on XX/XX/XXXX. Yet, the company maintains that the account is valid. I would like the FTC/CFPB to launch an investigation and seek possible legal action against Swiss Colony located at XXXX XXXX XXXX XXXX XXXX XXXX telephone number XXXX. 

I have contacted the company several times, they maintain the following : there is no history on the alleged a account, no orders on the account, and no date when the account was opened. Yet, the account appears on my XXXX and XXXX credit reports. As of XX/XX/XXXX, the alleged account is reflecting a credit limit of {$1000.00} of which {$110.00} has been utilized. 

On XX/XX/XXXX, XXXX of XXXX, I spoke with several representatives to include the lost prevention department and I have been unable to resolve this matter. All representatives that I spoke with at Swiss Colony maintain that no account exists. The last representative provided an account number, yet maintained that no orders have been made and no history exists on the alleged account. 

I am in the process of purchasing a new home and this is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is my second complaint regarding a furniture loan that was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. After I received a resolution notice from CFPB a balance of {$1000.00} remains on my TD XXXX Second Look account. I am told the refund issued was made in error and the check which was referred to in the letter had a stop payment on it. However TD XXXX can not confirm receipt of the third check dated XX/XX/XXXX. They are stating that the check which was found was the first check and that upon trying to cash it they found it had a stop payment. This is true the first and second checks had stop payments, however I do not know the status of the third check. I thought the third check had been accepted and cashed when I received my refund, and the letter stating my balance was zero and the account was closed. I received an email today, XX/XX/XXXX that my payment was due soon. Upon calling in to the automated system it stated that my balance was {$1000.00} and the last payment was received on XXXX XXXX in the amount of {$1000.00}. I believe they may be trying to scam me to get additional payment. A total of three checks have been sent now, and the original complaint is the original complaint Two checks have been issued on my behalf to TD XXXX through a title company of XXXX XXXX XXXX in the process of a cash out refinance. TD XXXX initially claimed they lost both checks. The check amount is {$1000.00} XXXX check was delivered on XX/XX/XXXX via certified overnight USPS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX -The second check was mailed and delivered via USPS on XX/XX/XXXX to the same address. TD XXXX has no record of this check. XXXX XXXX XXXX states there is nothing they can do to help me resolve this. TD XXXX stated they were looking into it. Payments are generally made by me through onlineaccessplus.com XXXX furniture loan was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. When I asked to escalate the situation I was given the email address XXXX The first check that was lost which I inquired about got no reply. The second check email inquiry was responded to by another representative that gave me the same information as the prior representative who told me to email them. This response being- " We are looking into it. Please feel free to contact me for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express cancelled my accounts and took all Membership Rewards points that I had accrued without any notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 explanation
Consumer complaint received 2021-07-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted ARS twice in XX/XX/2021 and in XX/XX/2021 requesting validation of this debt. This debt is Outdated according to the Statute of Limitation in the state of Florida. ARS refuses to provide information that validates this debt that keeps getting RESOLD from company to company because the debt can not be validated. I have requested Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you It has been over 60 days and NO RESPONSE

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 2022-02-15
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:
Hi I am submitting this XXXX XXXX without 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 XXXX  has me at a score around XXXX. 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my credit report and noticed that XXXX has been reporting my account 30 days late TWICEin XXXX for XXXX & XXXX. I dont ever recall being late on my XXXX account. I have tried to resolve this issue but no avail. I have tried to pull up my statements via their customer portal however it only shows you 13 months of statements. I have requested proof of this account being late and have not received the proper verification. As you can see the damage this is causing and continuing to cause by causing further damage to my credit worthiness. XXXX has reported this false information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
My mortgage payment up to date but the credit bureaus still showing a balance over {$160000.00} though my statement showing as of XX/XX/XXXX an outstanding Principal {$110000.00}. But my loan year to date Form 1098 showing outstanding mortgage {$100000.00}. Its been 3 years Ive been asking XXXX Mortgage to fix it and several disputes made with XXXX XXXX Experian. Both XXXX XXXX Department & credit bureaus pointing to each other not updating my payments. Way back XXXX, my outstanding principal only showing {$100000.00} but starting XXXX, my principal goes up to {$110000.00}. Right now, my XXXX credit score showing XXXX. But XXXX score XXXX & Experian still showing 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have contacted XXXX XXXX XXXX  and asked that they update my information and remove this account, it has been paid out but still has a negative affect on my credit profile.

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 2021-07-22
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Regarding transaction # : XXXX On XX/XX/2021, I remitted money to XXXX through Xoom XXXX Transfer service. They told me through electronic confirmation that money has been transferred and transaction is completed. The recipient told me that the money has not been received. I contacted Xoom and they told me that the money has been transferred. They wanted me to provide a copy of the bank statement of recipient. I provided it. They wanted to me provide another bank statement with all entries in there to prove that funds were not received. I provided that to them. After that, I did not hear anything from them. I have written to them several times with response from them. I am concerned that someone engaged in fraud. Money can not disappear in online transactions just like that without fraud and Xoom refuses to pay me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.

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 2022-10-10
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Barclays # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  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 states that a consumer reporting agency can not furnish an 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, 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 explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I'm submitting this complaint without any influence from ant third party or agency. Please see attached documents and ID as it contain my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just received a scheduled foreclosure date from XXXX that my house is scheduled for foreclosure on XXXX, 2017. I called my dedicated Loan Specialist XXXX on XXXX, 2017 to check on the status of my HAMP Loan Modification and left message for her. When she returned my call she did not give me any answer to my call. She only left me phone numbers. I old her in the pass that I can only talk to her about my loan modification and nobody else. Since then I have not heard from her but to get this foreclosure notice. Attached is the foreclosure letter. The letter claimed advertisement is enclosed but there is no advertisement enclosed. 
I checked XXXX paper from XXXX to the time of this complaint the house was not advertised for sale. 
Nationstar Mortgage is not making any effort to modify the loan to a more affordable mortgage payment since XXXX till now. They have been looking for any rabbit hole to foreclose as their intention from the onset was not modify but to foreclose. I did everything they asked me but always come up with lies upon lies which I have disputed many times in the past.

Company response to consumer: Closed with explanation