BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.

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 2021-02-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Radius Global Solutions LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unsolicited credit card was sent to me in XXXX of XXXX from XXXX with my name on it. I called XXXX and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX  credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from Radius Global Solutions LLC saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit score was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: WI
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 the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: National Commercial Services, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received letters in the mail from collection agency National Commercial Services claiming I first owed $ XXXX then XXXX. When I called, to find out what this was about, they were nasty, threatening and said I couldn't dispute the collection. Their letter states they will suspend my driving privileges for failing to respond or pay. The case comes from a driving incident I had in XX/XX/XXXX. The plaintiff sued her insurance company for personal injury funds and her company submitted a claim against my insurance company in which they denied payment. Now, her insurance, XXXX XXXX, has submitted the suit to NCS for payment. 

I started receiving letters in XX/XX/XXXX. Please note that at no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notification that a case had been filed. I was never informed by my insurance or hers, never officially served by a sherrif or other law enforcement agent regarding a trial, nor was I named in the case heard in XXXX XXXX, Maryland. I don't understand how they have identified me as the owner of this issue and how they can say I am obligated to pay this without any proof other than a computer print out from their internal system of a payment allegedly showing a check paid either to or from the Law Offices of XXXX XXXX XXXX. 

Additionally, their collection letter doesn't state that a ) it's an attempt to collect a debt and b ) that I can dispute it. 

I have contacted my lawyer, the courts and both insurance companies. No one has a clear answer on whether or not this situation is legitimate and given NCS 's  threatening business tactics and the simple fact they can't produce solid evidence leads me to believe this is a fraudlent attempt to collect a debt that hasn't even been entered in for judgement at this point ( how can it be if I wasn't named? ). 

I have sent them a check for {$51.00} to keep them at bay until I can figure this out. I really need help though. I think I am being taken for a ride.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
I have inquires of unknown companys to show up on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: AR
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:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX did not give Equifax any written consent to report on my consumer report. 

I sent Equifax a dispute letter stating that United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  of Arkansas does not provide information to any credit reporting agency. 
I have the letters enclosed in this complaint. Equifax is currently still reporting this inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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 have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX  - OPENED XX/XX/2019 - BALANCE {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back

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 2019-08-13
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: Their investigation did not fix an error on your report

Complaint:
THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.

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 2018-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen and now I have a bunch of charges on my account! I notified my bank and they gave me a claim number ( XXXX ) but my money is still missing. How could this happen?!

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 2018-09-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX- corrupt, incompetent. 

I have completed 2 XXXX degrees back to back with a XXXX GPA. I have not found any work since graduating in XX/XX/XXXX and I have applied for over 40 jobs at the XXXX XXXX XXXX where I live and I have not even been called for 1 interview. I have had my loan in deferment and I contacted XXXX in XX/XX/XXXX to ask about renewal and I was told to submit a renewal on XX/XX/XXXX. I did this, and then they denied my deferment and said they wanted 6 paper job applications mailed to them. I already regularly search the local employment agency jobs as required and I was connected to the manager of the agency of it by email and she sent me their online site so I could search for jobs. But the official employment agency site has old, expired jobs, and I use other much better sites such as the direct XXXX XXXX XXXX employment site, and direct business local job sites, that are much better. 
In XX/XX/XXXX I emailed, and XX/XX/XXXX land mailed XXXX 10 job applications that I had submitted to the XXXX XXXX XXXX. They never acknowledged them and then they sent me a bill to pay. I called and they said they had not received my letter yet, but to ignore the bill. I called them again in XXXX, and XXXX several times and they told me they were back logged and that the person I spoke to should have never asked me to send them the additional applications that I submitted. They told me that I should receive a confirmation email of my deferment by XX/XX/XXXX, but I did not. Today, I received a past due bill from them telling me that I am in default, and have a bill due with late fees, and that I would have to pay collection fees, etc. I called them and each time I call I am told something different, this person today, told me to resubmit applications to them again. Today, I re/sent the email to them that shows that I submitted job applications back in XXXX, and had applied for a renewal of deferment then and I told them I needed them to put my loan back into deferment. Their response was that they just sent me a link to a deferment form and no comment. They are the most incompetent and fraudulent business I have ever had to do business with. I need my loan kept in deferment, I am XXXX!! I have to manage a health XXXX and their continual harassment is harming my health and making my XXXX worse. I need them to put my loan back in deferment and remove any fees, payments they have added, as none were due because I applied for my deferment before the one I had in place expired. 
Please help me with this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX . Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: SYNCHRONY FINANCIAL
State: NY
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 have two hard inquiries on my credit report that I'm unaware of i never applied for mortgage

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 2018-10-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband became ill at the age of XXXX and passed away approximately a month later on XX/XX/2018, while in a XXXX XXXX. 

XX/XX/2018 : I received a collections letter from XXXX. As I recognized neither the Creditor ( provider of services ) nor the amount owed, I immediately called to inquire about the correspondence. I spoke with XXXX, who told me that this was a bill for XXXX XXXX in XXXX. I told her that my husband had not been in a facility in XXXX. She said the original bill had gone to a XXXX XXXX ( XXXX? ) in XXXX XXXX, which has NEVER been an address of ours. She said she would send an itemized bill to my correct address. If this bill wasnt correct, I could write a letter and mail it to them to dispute the claim. 

XX/XX/2018 : Having received no correspondence reflecting this amount, I called back to XXXX  and spoke with XXXX. XXXX explained that this bill is for the physician who treated XXXX at the XXXX XXXX in XXXX XXXX ( which is correct ). He goes on to explain that I would not have seen an EOB with this amount, as they have not yet billed XXXX for this service. 

( Oddly disturbing fact, as I was speaking with XXXX, I overheard this in the background : lets give it up for XXXX who just got a {$430.00} (? ) payment and everyone cheered ). 

How many people blindly pay this, especially as there is clearly employee incentive to collect immediate payment? How can this go to collections without a single bill or a claim to XXXX? I feel as if this borders on fraud. 

When I asked XXXX about not billing insurance, he said that if people go ahead and pay them, the patient can still send a claim to their Insurance Company and XXXX would immediately repay the patient. I would wager the likelihood of this happening is quite low. If it took two calls for me to even discover the truth about these circumstances, how would most people know that they needed to follow up with Insurance after paying this? XXXX tried to back off from the debt collection aspect and said they handled the physicians billing. If that is the case, this correspondence should not state this communication is from XXXX  ; a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. When I call in, I am also told the call will be recorded and is an attempt to collect a debt.

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 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion has a hard inquiry on my report from : XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not request or authorize this. I went to transunion to freeze from credit due to receiving two letters dated XX/XX/XXXX from XXXX XXXX  - stating I was denied credit to open a XXXX XXXX  account ( which I did not do ) and XXXX  XXXX  as well. I will upload those two letters - but assume i need to report each one separately?

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 2019-08-13
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:
THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have filed this complaint with wells Fargo twice. They have not answered my questions. 

Please refer to complaint XXXX and XXXX. There has been no explaination as to the XXXX and what the charge is for. They want me to pay this 12 years after the mortgage was initiated? NO DETAILS of what the fees are for. I want itemized documentation. 

Wells Fargo never confirmed that taxes were owed by owner. Just assumed because they got a notification from XXXX county that taxes were due. When I spoke with Wells Fargo on the phone I was told by one of the 5 people I spoke with that they were billing for XX/XX/2018 taxes. Wells Fargo never contacted me by phone. If they has spoken to the 5 people that I spoke with they would have had my current phone number. These taxes were in dispute because the attached picture was left behind my home causing it to be on the market for 4 years and never selling. If there was ever a next time doing business with Wells Fargo I would just hand them back the keys to the house and let them deal with it instead of being responsible. I am waiting for my explainations as to my original questions that I have listed above. You should have contact with owners. By the way, the paper work you sent was old mortgage info. It was refinanced so again no answers by Well Fargo. I am still  waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 according 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

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