BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: MD
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:
My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that XXXX XXXX gave us. After checking my credit report, I see that XXXX XXXX has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. XXXX XXXX never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach XXXX XXXX repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Record Type : Chapter XXXX bankruptcy petition Reference Number : XXXX Record Type : Chapter XXXX bankruptcy XXXX Reference Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX 

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 2021-09-15
Company: EQUIFAX, INC.
State: LA
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, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called XXXX, Equifax, and XXXX stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed 1,000 per inquiry as each inquiry is a violation.

I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They were informed on XX/XX/18 that they were to stop calling me at work. I received several calls after they were told to not call me at work. I have the following confirmed from caller id : XX/XX/XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX ; XX/XX/XXXX at XXXX XXXX.. They were again informed on XX/XX/18 to not call me at work and that the only time I could accept calls were after XXXX XXXX. I received another call on XX/XX/18 at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is in followup to a prior complaint ( XXXX, submitted XX/XX/XXXX ). 

I originally submitted by employment verification and PSLF paperwork to MOHELA on XX/XX/XXXX ( over 1 year ago ). 

Through what has been explained to me as multiple oversights and failures by MOHELA - MOHELA has still not provided an accurate student loan payment count meeting PSLF criteria. 

I have made no errors in this process, there is no paperwork pending, there is no outstanding verification needed. This problem ( even as explained to me by the over 20 hours of phone calls I have made to MOHELA in the past 12 months ) is entirely based on MOHELA 's inability to meet the requirements of this federal program. I have already filed the prior CFPB complaint in XX/XX/XXXX- my student loan counts are still not updated. 

I don't know what else to do. MOHELA is not taking this seriously and is 12 months late on their responsibilities to both myself and the US Federal Gov. Can we escalate this further? Is there an oversight agency that this can be reported to? 

My demand is simple - process and count my on time payments immediately ( MOHELA has already had 12 months ). 

Would contacting my attorney general or congressional representative be more effective? MOHELA appears to be in breach of contract with the federal government in providing these services for student loan borrowers. I would like this investigated and followed up prior to the resumption of loan payments- again its already been 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a new credit card account with CITI bank and used it immediately. I received the first bill for {$4100.00} on XX/XX/XXXX and paid it that day with an withdrawal from my XXXX XXXX Account. XXXX verification from XXXX XXXX is attached ) I realized that while the funds went CITI I had made an error with the account number and those funds must have been credited elsewhere. 

When I realized my error, I called customer service and notified them of the problem and then sent a second check for {$4100.00} on XX/XX/XXXX still before the due date. I was asked to send verification from my bank that the first payment was sent and received and that CITI would credit my account. On XX/XX/XXXX I sent the attached letter via email and assumed that the issue had been resolved. 

I have spent HOURS with customer service offshore trying to resolve this issue. I was given email addresses, faxes and a USA address where I sent this information. I have complied in every case. While I acknowledge the error of the incorrect account number, I am unable to speak with any individual who can help me. CITI bank no longer has retail banks where I can work with a person. 

The bank website says that there is no dispute and they have reversed the credit. I now owe them {$5100.00}. I am unable to handle this through their customer service people as we cover the same territory again and again and 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
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:
I hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
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: Other problem getting your report or credit score

Complaint:
from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.

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 2018-08-17
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collector is showing up on my credit report in the amount of {$1800.00}. sent out a validation letter on XX/XX/2018 requesting for them to send me the information pertaining to this so called debt. Have not received anything from them and this is impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Nationwide Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The medical debt in question being collected on by The medical debt in the amount of {$270.00} from from XXXX XXXX XXXX XXXX was submitted to XXXX on on XX/XX/2021, approved and paid. 

On XX/XX/2021, the same amount was submitted to both insurances again in which the physician services according to XXXX was overpaid ; therefore, XXXX issued the EOB ( Explanation of Benefits ) back to the physician 's office indicating the over payment along with the instructions " Do Not Bill Patient, Not Patient Responsibility. '' Since such time, I have received more than 40+ calls from NCC XXXX a debt collector for this debt. I have phoned XXXX just in the last 60 days who has since sent what they call an " XXXX XXXX '' to the debt collector as well as the physician providing education that the patient which that refers to " myself '' ... that I am not not responsible for the debt. 

Since that time I have received numerous phone calls. I myself phoned NCC and advised them of what XXXX stated. I have received three calls since from NCC collectors attempting to collect on this debt after XXXX XXXX and XXXX for XXXX and XXXX XXXX completed the investigation into NCC debt practices to cease the collection activity which still did not stop. 

Those collection attempts from NCC XXXX main line ; however, phone calls to my mobile was from XXXX from XXXX XXXX occurred on XXXX, XXXX, and XXXX. This type of ongoing harassing debt collection goes against all debt collecting FDCPA practices of fair debt collecting. Please assist me in ensuring that companies like this do their due diligence and adhere to policies and instructions provided to them by patients. Its obvious I had spoken to XXXX or how would I had been able to provide them with XXXX codes and all of the information I was able to provide them about the overpayment to them, and me not being responsible for the amount due. 

Thank you in advance for your immediate attention to this matter. I sincerely appreciate your assistance in helping me resolve this issue before it is placed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to Equifax and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX )  XXXX XXXX XXXX ( XXXX XXXX ) INQUIRIES ARE THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-21
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 XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Per XXXX XXXX XXXX XXXX XXXX credit score, TransUnion dropped my credit score XXXX points. This was significantly much lower than XXXX which decreased my score by XXXX points. I want to have clarity as to why TransUnions score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history.

I have been penalized by transUnion throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue.

At this point, I feel its discriminatory and would like a thorough investigation of TransUnions practices and rating of my credit history.

Thank you for your prompt attention to this request.

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 2018-12-28
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:
ftc.police was sent about the inaccurate in formation with

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 2018-12-11
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In late XX/XX/2017 I had a conversation with Union Bank about wanting to close my checking account. I no longer live near the branch where I opened the account. I was told that I would receive a check for the balance in my account which was {$380.00}. A short time later I received a check for {$370.00}. I called the bank to see why {$12.00} had been deducted from the amount I was told I would receive. I was told there was a {$2.00} bank charge and a {$10.00} cashier check charge. I stated that had I know those fees would be deducted I would have written myself a check for the full amount and then closed the account. I was told that someone would review the recording of the conversation when I requested that my money be sent to me, and if, indeed, I was not told any fees would be deducted then I would receive the full amount. I never heard back from the bank on whether the call recording was reviewed. Then when I contacted them repeatedly after some time had passed they refused to send me the {$12.00}.

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 monetary relief
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm lost for words about my situation, first I disputed with no actual detailed information about an account listed on my personal credit file, I have requested validation directly from the company NOTHING RECEIVED, I have filed a complaint through the CFPB to the collection company XXXX XXXX XXXX # XXXX no response back from this company through the CFPB. 

For an item to be listed on my personal credit file which first is unknown, second very old and appears to be PAST THE STATUTE, not able to be validated how is this still on my credit file? Your company states your firm verified HOW?? If the actual company isn't responding to two different firms how is your firm able to? What was requested by your company? What was obtain to show I owe this bill I have no idea about and it's NOT mine? This is crazy, how can your company sleep at night?

Company response to consumer: Closed with explanation