BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 explanation
Consumer complaint received 2021-10-25
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was alerted by repeated harassing phone calls that I had a balance at XXXX for medical debt IN TOTAL OF {$560.00} for XXXX XXXX  ( XXXX XXXX ) when I had already paid off any outstanding debt directly to XXXX XXXX. I contacted XXXX XXXX multiple times on the phone and even emailed receipts of my payment to them, they refuse to acknowledge my payment receipts instead repeatedly emailing me how I was charged. The Merchant collector does not acknowledge that these amounts were already paid either, even though I have receipts and the money was withdrawn from my accounts. 

Here is one of my emails to XXXX XXXX I called the Merchant and they said I had {$560.00} owed to you, which I don't understand as seeing you have only billed me ( incorrectly ) for {$180.00} and in my payment history I have indeed already paid this exact amount in XX/XX/XXXX -- - this needs to be removed from my credit report as I only owe {$180.00} as of today and it seems your company has not updated the debt collector. In addition, it seems I have also been incorrectly charged for {$180.00} TWICE on XX/XX/XXXX. I have attached the paid bills receipt. The double charge is what apparently I " owe '' and I am out of medication due to an error on your end it appears. This needs to be resolved immediately. Furthermore, I have already paid a seperate fee for any no show appointments that was {$560.00} in total. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: PNC Bank N.A.
State: NC
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account is freeze but they dont tell me anything, I want to close this account and get my funs

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 2022-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$830.00} ; 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, Every time I try to connect to XXXX it directs me to XXXX XXXX XXXX XXXX.action TXXXX XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you

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 2021-03-12
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: Investigation took more than 30 days

Complaint:
I have given credit bureaus everything they have requested and they have found every way to stall so I have complained here. I mailed them my ID, MY social, and They have my letters from them and a recent bill to verify its me. I have sent them the FTC police reports also. Can you please remove the items and stop stalling. They told me 48hrs once i submitted the police report now they send me a letter asking me to use there dispute process. I have tried that but they are not doing there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
I pulled up my report from Transunion and discovered there several had inquires, that I have never authorized. They are result of fraud activity. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
these are items that must be deleted from my report as a fraudulent items : 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 XXXXXX/XX/XXXX I have included for support my statement : copy of FTC report, SSN card, proof of address, copy of ID.

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 2023-11-26
Company: Mr. Cooper Group Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
In XX/XX/XXXX. I paid off my mortgage with Mr Cooper. Since then, I have been waiting for the documents to remove the lien on my apartment. After many calls to Customer Service and further escalation to Corporate Resolutions Team nothing happened. After insisting, I received a plain document on XXXX with no instructions attached. It was the original note with a Paid in Full stamp, which I took to my attorney to conclude the process. For our surprise, it has a few notations, but none of them has endorsed the document to me or bearer. Also, an allonge was missing. 

I placed a corporate complaint in XX/XX/XXXX explaining the requirements, and today, XX/XX/XXXX, I received the solution to my case. 

They resent a copy of the same useless document they sent in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to 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 explanation
Consumer complaint received 2019-05-30
Company: RFNA, LP
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collector failed to respond to serveral written request to validate alleged debt. Under the FCRA they must delete and removed if they can not provide proof of debt. After several failed attempts, company has refused to do so and has not responded to my request to do so. Also, they have repeatkey changed the account balance when the account is reporting as closed. Which is by law innacurate and rounds for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, Back in XXXX of XXXX  In XXXX XXXX, South Dakota, I changed cell providers. My daughter & I left XXXX to go to XXXX. We were told there would be no problem porting our numbers from XXXX to XXXX, pay off our existing XXXX contract. It took a month & an awful lot of phone calls as well as an immense amount of frustration. We were told that it couldn't be done. Not either company would except any responsibility. Even though it was clearly advertised by XXXX. I returned home at that time to XXXX, Texas, where I received a final bill from XXXX for XXXX XXXX tried calling & making arrangements, to no avail. I then received a collection letter from XXXX XXXX XXXX. I spoke to a XXXX XXXX XXXX & set up payment arrangements. It was a {$50.00} a month automatic payment from my checking account. Payments were made XXXX, XXXX & XXXX. Then the giant headache started with Amsher Collection & the XXXX XXXX XXXX XXXXXXXX XXXX. The way I found out was through an email from XXXX XXXX & an email from my XXXX credit card. I have be trying since Monday, XX/XX/XXXX to contact both Amsher XXXX XXXX XXXX. I have been disconnected at least 8 times. Dial the number & a recording says if you are calling from Nevada dial 1, all other states dial 2. After multiple times I spoke to a XXXX XXXX & he said all he could tell me was my Amsher account number # XXXX & the call ended. I did my due diligence & researched Amsher, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I felt like a fell into a trash dumpster. It seems that Amsher & XXXX XXXX XXXX XXXX  XXXX XXXX are also some how involved with XXXX who seems to also own & operate a collection company. No matter what I did or the amount of calls I made I hit a brick wall each & every time. Please rest assure that all I wanted to accomplish was to pay my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I opened a Chime account XX/XX/XXXX my direct deposit from my job was deposited to my Chime spending account. Amount was {$3100.00} XX/XX/XXXX my account was suspended. No notification XX/XX/XXXX I realized my account was suspended and called chime at which time they requested documents. Emailed documents. Email from Chime said Id get a response in 2-3 business days on account status. 
XX/XX/XXXX Called chime and was told Id hear back in no later than 24 hours XX/XX/XXXX Called Chime again after no response. Agent escalated issue and provided ticket #. Agent said there a 100 % chance Id hear back in 24 hours. 
XX/XX/XXXX Still no update Chime is holding over {$3000.00} and not communicating. 

During this time, my mortgage payment and my children 's tuition payment was rejected causing over {$100.00} in fees and bad marks on my credit. 

Can someone from look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, 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 non-monetary relief
Consumer complaint received 2023-08-18
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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on 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 2020-08-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.

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 2021-03-31
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in XX/XX/XXXX, I was laid off from my employer as they were heavily impacted by the covid19 pandemic. I had reached out to XXXX XXXX in order to apply to any Payment Reduction programs they could offer for borrowers in my position. They approved a reduced payment for a 6 month period for which they later advised could be extended if the application was approved again. When the program had expired, I received an email from the designated department approving the extension of my reduced payments. The following month after receiving this email as well as having a telephone conversation to approve this, I was sent a bill of {$350.00} that needed to be paid immediately on top of the monthly bill I normally receive. I reached out to their offices now for the third time in a month and they advised me that now I would need another Payment Plan on top of the existing XXXX that I made back on XX/XX/XXXX to pay the {$350.00}. I agreed to the second payment plan over the span of 6 months in spite of it now increasing my monthly payments to more than what I originally paid prior to being laid off back in XX/XX/XXXX. They verbally confirmed via telephone call and email that as long as I made my payments on time, the account would NOT be reported as delinquent and that all these arrangements will be updated on my account. After making the first payment reflecting the new amounts and both Payment Arrangement totals on XX/XX/XXXX, we received a letter on XX/XX/XXXX saying that they haven't received a payment and failure to do so would result in my account being reported as delinquent and my co- signer being reported to the credit agency. I reached out the XXXX  XXXX again who in turn communicated that the Account Delinquency letters are computer generated and will continue to be sent until the {$350.00} is paid in full. They refused to confirm that the delinquency status will be removed from my account as well as whether or not my co - signer will be reported to the credit agency because of these " automatic notices ''. Their representatives are unable to help because they are not knowledgeable on how these stacked payment plans can be communicated clearly or how to update accounts. Their supervisors are not communicating all the restrictions that come with their complicated payment plans and how they affect the overall borrower and account. In addition, their supervisor team is disrespectful and immediately want to be off the phone instead of trying to empathize with their borrowers who are doing all they can to just PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.

Company response to consumer: Closed with explanation