BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to a quick update of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-23
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am XXXX years old and in poor health. I have been disputing a hospital bill for two years and this company called me several times to collect. All along they were nice but this one gentleman was badgering me, asking why I cant use my Social Security to pay it, and making me come up with money I dont have. He wanted me to set up payments but I am on a strict budget. He was very rude and would not let me speak and when I tried to speak he told me I was not cooperating. He was rude and condescending, and insinuated that because I had Social Security coming in I must be able to afford it. This episode made me extremely ill and he did not even care. He even told me to go borrow the money from someone.

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 2018-05-23
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I use this card to rebuild my credit and I have my payroll and income taxes come to this card. The beginning of XXXX I had fraud on my card I was notify by text and I went online and saw my card was used I immediately contact the company and told them to stop the charges or do not let them go through they told me it was nothing they could do until it post but not to worry on a recorded line I would get my money back I have over 1000s of dollars deposit in this account monthly. I call and email this company everyday because I needed my money. Started XX/XX/XXXX to XX/XX/XXXX for a total of XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX again this company did not investigate at all and declined my claim because I called everyday and filed a XXXX XXXX claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-09-12
Company: GUARANTEED RATE INC.
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Covid-19 pandemic my mortgage was put on forbearance. Once the forbearance was about to end I contacted Guaranteed Rate, my mortgage company at the time, to find out what my options are because XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they informed me that I can talk to their Loss Mitigation department. They transferred me to them and the person had me fill out a Loss Mitigation for a Loan Modification. On XX/XX/XXXX I submitted the application with all the documents and a letter that they had asked for. They wanted me to send all my banking statement, XXXX XXXX XXXX XXXX my 401k statement, and I also included a VA Loss Mitigation application that I had filled out and submitted a year before on XX/XX/XXXX and never heard back from. On Monday XX/XX/XXXX I called the Loss Mitigation department to verify that Guaranteed Rate received my application and all the documents that they asked for and they said they did and they will get it processed. They informed me that it would it would take 2 to 4 weeks to process. I called back 3 weeks later and they informed me that it still had not been processed due to high volume of applications they said to check back in 2 weeks. I would check back every 2 to 3 weeks to see if it has been processed and they kept telling me it has not yet. I then asked if I could talk to a manager and the person told me that they will send a message to their manager and they will contact you and I never heard from their manager. My application was never processed and the amount of debt I owed kept building. It started out at around {$12000.00} and is now at {$79000.00} and Guaranteed Rate sold my mortgage loan to a new company name XXXX. I have now applied for a Loan Modification with XXXX so we shall see what happens. But, I'm not happy with Guaranteed Rate because I kept calling them to find out if my application was processed while they kept charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
TransUnion XXXX XXXX # XXXX This account was re-aged and needs to be deleted for violations because the other XXXX report the date last active it as XX/XX/2025 and you have changed the date to XX/XX/2025.

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 2022-09-12
Company: Receivables Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a debt collection letter to a XXXX XXXX XXXX minor for a {$30.00} medical bill his parents had no notification of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I received an email and a bill stating I had ordered an XXXX XXXX XXXX and it was being shipped to Florida. I live in CT. I called the phone number on what appeared to be XXXX XXXX, on the statement and was connected to Mr. XXXX XXXX stating my account had been hacked. There were several issues : 1 ) the IP address hacked & now toxic 2 ) email compromised 3 ) tiny banker and spyeye malware noted 4 ) security level only 7 % ; if had fallen to 5 % or lower they could not help. I granted remote access to view what seemed like a legit employee ID. Also, they had me check my accounts to see if the bank had issued a fraud charge, so they had access to my personal banking information. 
I was directed to purchase two ( 2 ) XXXX gift cards, each for {$500.00} from XXXX and two ( 2 ) different XXXX XXXX XXXX stores. This was for a total of {$3000.00}. Then I was told to read the numbers and access codes so that could 'update the security ' on my account. I was sent what appeared to be legit 'refund ' to each of my checking accounts from XXXX for each {$1000.00} card purchase. This took place over a 2-1/2 hour time period. At times there were conversations with the 'floor manager ', Mr.XXXX  XXXX as well. Finally about XXXX XXXX, the manager said the security was @ 95 % and XXXX would take care of the rest from there and I was not to worry. They would call me in the morning to finalize and update the security level. I have had multiple phone calls from them today ; same number I called yesterday to cancel the original order. That # is : XXXX XXXX XXXX XXXX. I have not answered any of these calls. 
When I went to check for those texts this morning ( XX/XX/2021 ) they were not to be found. Also, checking my accounts there was no deposits to either one, just the debits made to purchase the gift cared. 
This obviously an on line SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-10-29
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of the west fraud claim - bank account number XXXX Claim # XXXX Unauthorized ACH debit in excess of {$620000.00} were debited by XXXX XXXX I discovered the fraudulent charges on past statement and filed police report. I was advised I need to dispute directly with the bank/merchant to recover the stolen funds. I went back and forth with XXXX trying to resolve these but I was told I'm not the account owner of tdameritrade account and I will have to dispute directly with bank of the west. 

XXXX I signed the written statement of unauthorized ach debit in branch, was advised I can only dispute charges within the last 60 days so I filled forms for total of {$620000.00} dating fraudulent charges from XXXX to XXXX XXXX I received a call from bank of the west ACH department, inquiring if I knew someone name XXXX XXXX XXXX I responded I do not know anyone by that name. 

XXXX received a letter informing the claim is being investigated. 

XXXX received another letter telling me my bank accounts are on investigation freeze XXXX temporary credit are taken from my bank accounts and my claim is denied. I called the ach department back and request to escalate to a supervisor. 


According to the person works in the claim department The reason for declining, is that I did not report the prior fraudulent transactions before the claim, which at the very beginning of claim process I was told I'm responsible for those losses and they can not dispute anything over 60 days. Furthermore, bank of the west accused me authorize these transactions, which I never did ( thus far, no one can provide a proof of authorization for these electronic debits ). 

I further attest I do not own nor benefits from XXXX products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I spoke with XXXX XXXX of National Credit Systems and requested a debt validation letter for an account in collections for {$530.00} for XXXX Apartments by mail or email. The debt validation letter was never received by mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

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 2022-09-12
Company: EQUIFAX, INC.
State: MA
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:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely  wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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