BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Windham Professionals, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, a company called ProCo, representing the University of XXXX  XXXX XXXX XXXX, stated that I had a balance due on an emergency room visit of {$1100.00} and then {$280.00} after my insurance carrier, Tricare, paid their portion. I paid {$280.00} via credit card to the XXXX XXXX XXXX billing department on XXXX XX/XX/XXXX with a confirmation number of XXXX. I received a letter dated XXXX XX/XX/XXXX from a Windham Professionals stating I owe {$280.00} to the University of XXXX  XXXX XXXX, of which the XXXX XXXX XXXX XXXX under. I was told by the representative when I paid the {$280.00} on XXXX XX/XX/XXXX that I had no further outstanding balance with XXXX XXXX XXXX XXXX. 

This hospital has ruined my credit and hinder my ability to provide for my children as I'm a XXXX XXXX military veteran.

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 2018-02-12
Company: Concord Servicing Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I checked my credit report because and I saw that my score had dropped and noticed that I had a collection debt added to my report for an unpaid account form XXXX XXXX, XXXX. XXXX XXXX, XXXX, AZ in the amount of {$3200.00}. On XX/XX/XXXX, I received a letter from XXXX XXXX, see the original amount on letter {$2000.00}, at which time I informed them that I do not owe this debt and that this is the first time I that I learned of this debt from the XXXX XXXX XXXX XXXX! I learned that they have purchased the unpaid maintenance fees from the Timeshare - The XXXX XXXX  XXXX XXXXXXXX  XXXX XXXX, on XX/XX/XXXX and placed me in collections on the same date. The original contract with the XXXX XXXX  XXXX XXXX was paid in full on XX/XX/XXXX. I started the proceedings to file chapter XXXX on XX/XX/XXXX and was discharged in XX/XX/XXXX at which time I did not reaffirm the XXXX XXXX XXXX Timeshare which would have discharged me from all obligations to the XXXX XXXX  XXXX XXXXXXXX  XXXX, XXXX. I obtained the phone number and tried contacting XXXX XXXX again, and left messages and no one has called or contacted me. I contacted XXXX and XXXX to report this and filled a dispute against this creditor on XX/XX/XXXX. On XX/XX/XXXX, I received an answer from XXXX stating that they contacted the creditor and the collection will stay on my report, they will not remove it. I would like some help removing me from collections and have this creditor not do this to me again and also, removing this negative account reported on my credit report.

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 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-26
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 fraud alerts or security freezes

Complaint:
I hope all is well, Im having trouble unfreezing my Experian credit report. It says its unfrozen but when this company tried to do a soft pull it wouldnt let them. Can you please fix the problem? I need to be able to unfreeze my credit report and to freeze it back. Thank you for your time. Have a wonderful day and please continue to be safe.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dates : XX/XX/XXXX - XX/XX/2019 Amount : around {$1000.00} CITI bank lender gave me a relatively lower rate for my refinance on the mortgage and promised to close in 30-40 days. The lender asked me to pay for appraisal before hand and she will reimburse later. However, the lower rate she locked doesnt work out after almost 2 months, and she can not close it. The lender called me with a very rude altitude and asked me to pay for the appraisal by myself. 

I want to get an apology on the rudeness and nonprofessional service, also the bad words that she said to me. Also I would like to see Citibank to reimburse the appraisal as well as the time I spent on this 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 2023-03-07
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had 6 total account at citi bank checking/savings for both my XXXX XXXX and self. One of those accounts was hacked and we noticed someone was sending XXXX and XXXX XXXX  wires from his account. Taking money out his savings placing it in the checking and continue from there. We lock the card and accounts to stop the transactions, the bank supposedly open a case to investigate. Advice that we closed those account and open new ones to be able to transfer his money. We did all as advice. At that point I was locked out my online banking. I went back to the branch to get this fixed and this is where they told me they could no longer do bussiness with me do to a 2 checks deposit with no funds to the checking account we had already closed. Not only this didnt make any sense but they was now holding all my funds, and my XXXX XXXX accounts. But they was not even giving me the option to open a next account. I spend hours on the phone trying to get some answers, requesting call back from manager or supervisor that can explain the why I was being banned from the bank or who was I going to be able to get my funds ( 4days later now no call back ), went to the branch a few times they try calling on their end all they was getting is they was not to do business with me. I end up making an appt with the branch manager after explaining and the other clerks involved vouching for me she was able to release some of the funds but still her client service was telling them not to do business with me nor open new accounts nor anything. I keep calling no one on their customer service was understanding my point all they keep talking was about the checks I do not know where from, they not talking about day before this I had reported this fraud, nor they acknowledging I was the victim here and they was victimizing me even more by holding my money that was not even in the accounts with the issue. And that no one could help me or call me back to give me any answers. Attached are some of the emails we still gettign on an account thats been close still hackers accessing it and making transactions. And the ones we was noticing and the reason why we made the report on the first place and they still allowed this hackers to keep going in the account. How is that our fault as clients?

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 2022-02-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good Morning, I'm seeking your guidance for a concern with one of the three consumer reporting credit agencies, Experian. 

I have my credit frozen with Experian. I paid for their service, I kept the correct PIN and login. For no reason, when I went to un-freeze my credit yesterday, they say they need more proof to un-freeze my account. This despite having all the required information. 

What's worse, FAR WORSE, they are demanding I send a copy of my social security card, copy of driver 's license and another bill... .in the mail! Just handing over my identity to the mail. NO WAY! 

There's no customer service number, no contact, no help. You literally can't call. 

This is not right. They are demanding you put your identity at risk, and offer no alternate means or even means of contact. And for no reason, I had all the required information for a service I paid for. 

This is not right and that company needs regulation. And we, the consumer, are stuck with them. 

*I should be able to access my information if my login is correct. 

*They should have a real customer service number. 

*In no way should I ever be asked to mail my social security number and ID in the mail. They should have secure, electronic means to do this. 

I'm asking for your help addressing this. 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 explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: DISCOVER BANK
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They are XXXX  creditors involved. # 1 is XXXX XXXX XXXXXXXX which I have my mortgage with. I had a credit card with about over XXXX dollars.Four years ago I was and still a single, was struggling to pay and when they started raises the interest, which I stopped charging I called and got NO help he told me they were not going to lower the interest nor cut back on some of the amount. I didn't hear from them for sometime. they had wrote it off. So about maybe XXXX years ago I get this letter telling me my debt was put against my montage this attorney from Louisiana. They kept sending me letters and calling me all the time. I called back no one answered so I left a message You put it on my mortgage so leave me along,,, Oh by the way I didn't get the letter to go to Court in XXXX MS until after the fact No one delivery it to me to pier in court. An Attorney is trying to contact me but it is not the same one I think. Tried to settle with them with XXXX but they didn't respond. I will get the name of the Attorney and all info to contact them. 

# 2 Discover. I have had Discover for many years, after 3 years they started contacting me but in Mississippi I thought was the dead line. Well anyway, I owed them round XXXX they kept jacking up the limit. well I lost my job around 2019? and I couldn't. so I told the supervisor could you lower the amount delete interest and lower it and put my payments at XXXX then when I get on my feet I will pay more. She said XXXX isn't much and she laughed so I know I couldn't pay it. I think it was about last year I told them I said I want to work this out but I couldn't pay but XXXX. So they agreed and I paid it, but they also put the XXXX as a loss then now I paid XXXX they sent me a tax thing and I owe XXXX more for interest, After the already claimed the XXXX as a loss with the interest. this is not far. Like everybody XXXX hit and no one had any money. My son helped me keep a float. I DID GET XXXX  AT THE TIME BUT I AM FINE NOW BUT I AM XXXX  AND I HAVE VERY LITTLE FUNDS. I tried to talk with a Lawyer, but I am not important enough. I tried to speak with someone a Legal Services but that man ( do not remember who he was but he told me there was no one to help. I know I made some of the debts but the interest and maybe some of it, it is not mind. No one at discover or XXXX  XXXX XXXX said they wrote it off and they have nothing to do with it. My question is. If both of the creditors wort it off why are they still coming after me. They got credit It sounds like DOUBLE JEOPARDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: KY
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 trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. 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 explanation
Consumer complaint received 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Bank of America prepaid over drafted my account 10k and I never even had the card in my possession I've been fighting then for a year now and nothing has been resolved

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 2023-02-23
Company: Experian Information Solutions Inc.
State: KS
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:
I have sent in multiple requests and disputes to Experian and they refuse to block incorrect information from my credit report or correct my personal statement. Experian has now blocked my access to file disputes online. They require that I call only. I am legally XXXX and do not talk on the phone. Experian has refused to explain why they have blocked my ability to dispute inaccuracies online and they also refuse to accept my disputes in writing, claiming that they " are not from me. ''

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2021-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
To whom may be concerned : Re. Loan number : # XXXX On XX/XX/2020 I called Lexus XXXX  Customer Service Department because I notice that THEY report a 30 day late payment on my credit reports. 
When I always make my payments on time. The agent told that XX/XX/XXXX payment was not received on time. I explain to her that I made a payment on XX/XX/XXXX approximately at XXXX using the lexus XXXX payment portal online. I added a new checking account ending in XXXX and then I proceed to submit the payment for XXXX. 
Apparently that payment never go through their system, but I notice that on XXXX when I was trying to make the XX/XX/XXXX payment. Because on an error of their online portal system the payment never was receive and I get hurt my credit score going down 112 points. 

Im really frustrated because I never have failed Lexus XXXX my payments. The agent just told me on the phone to write this letter disputing that the late payment was incorrectly reported. I demanded an investigation on their online system that date, I now that I submitted that payment. 

Im courteously requesting to update my credit report to no late payments, because its currently hurting my score and is costing me a lot of money. Also because it wasnt my fault. 

As today my account is up to date and current with them. I asked them sending a letter by fax on XX/XX/XXXX XXXX then I received and response that they are not going to investigate furthermore because they think that i missed a payment. 

Thanks for your prompt attention to this important matter, XXXX XXXX XXXX Loan number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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