BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Experian Information Solutions 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:
Experian is stating that on a XXXX account as of XX/XX/2018 the account was 60 days late. From XX/XX/2018 to XX/XX/2018 Experian states that the account went from 60 days late to 30 days late. Similar issues are presented with Experian on XX/XX/2018 being 30 days late, XX/XX/2018 being 60 days late to XX/XX/2018 being 60 day late as well. How is this permitted?

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 2022-03-14
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In the month of XXXX of 2020 I was out sick the whole month with XXXX  and was not able to go to work. During that time I wasn't getting paid and I could not pay my bills including my car payment. I was then given a late payment on my credit report. I tried contacting my financial company about the issue, but everyone I speak to says something different and I havent been able to fix the issue. The late payment is causing me to not be able to get a home loan or auto loan. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a medical collection placed on my report from ARS Account Resolution. When trying to verify the debt and ask for a letter to be sent to me so I can settle it through my insurance company, I was hung up on. I called back and was hung up on 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 explanation
Consumer complaint received 2022-02-09
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received any notices from Elevate Recoveries. I only became aware of this fraudulently attempt to collect the amount of {$660.00} after it appeared negatively on credit report. The collection notice states the original debt is from XXXX XXXX  XXXX, which has been closed for almost a year. I called Elevate Recoveries and the several weeks ago and was emailed the statement, that I will later upload in this compliant later. Elevate Recoveries has placed this collection on my credit report and has caused my credit score to drop down more than XXXX points. 
I have been in communication with XXXX, my insurance provider at the time, and was giving the following information. 
On XX/XX/XXXX, Claim # XXXX, services provided was for {$1400.00}, {$660.00} Contracted amount was for {$250.00} XXXX paid {$83.00} and my co-pay was for {$170.00}, which I paid. 
Please not that on XX/XX/XXXX, Claim # XXXX, services was for the amount {$660.00} and was from XXXX XXXX XXXX  OF XXXX XXXX, and not ( XXXX XXXX XXXX ). 
Contracted amount was for {$81.00}, XXXX paid {$81.00}, leaving my co-pay at {$0.00}. 

I would like to have this collection removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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 fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 fourth 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 WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX XXXX Balance : {$9300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/2023 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 2023-06-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thank you for emailing a copy of your forward to Wells Fargo. Several concerns : FIRST : The email we received from you advising us of sending the same forward to Wells Fargo that we originally sent to The White House. ( going in circles ) From the contents of your email we can only assume nothing was done other than the usual forward to WF. We also assume that The White House sent the complaint to you for proper handling, like assistance right.? Well, we are dizzy of going in circles and tired of no clear assistance, or explanation besides the usual BOILER PLATE enclosures asking Wells Fargo to do what. When we originally wrote to you ( last year? ) we were advised that you were not able to handle this as it was not your place. Obviously this time since you received the complaint from The White House, you did not check our file that was " closed '', but simply forwarded the same to the mortgagee. Please tell us how in the world are you helping people. Just cleaning off your desk through a simple process does not get the results. 

SECOND : As a result of your uneventful process, we received a call from Wells Fargo yesterday, from XXXX, executive offices. Tel. # XXXX. Again, it was targeted towards us, asking for explanations, reasons, It was a call with a purpose to HARRESS us. He would not let me speak, at the same time accusing me of not willing to provide him with information. Character of arrogance, I finally told him It was not my place to answer his questions ( as I do not know what he was after ), just advised him that he should contact you or look through the files they have and find out what this is about. Very unprofessional behaviour, not even giving me his last name. So I said thank you and goodby. Once he reviews the information, he should call and we will be happy to discuss legit. information. 

We would appreciate your response and some insight. Thank you The complaint # wasXXXX

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 2023-10-16
Company: EQUIFAX, INC.
State: SC
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:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The data on my credit report has not been refreshed since XX/XX/2023, and we are now in XXXX of the same year. This outdated information does not accurately reflect my current financial situation, and it may impact my ability to make important financial decisions.

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 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my husband and I divorced after 30+ years of marriage. We did not have attorneys but came to an amicable agreement on terms and I was awarded the home at XXXX XXXX XXXX as part of the agreement. We were in bankruptcy at the time but our home wasn't in bankruptcy and we thought I would be able to refinance. We found out I couldn't so we entered into an agreement where my ex-husband would pay me {$500.00} per month towards the mortgage as it was previously financed using his income and he was still on the mortgage. We planned to have him sign the quit claim after the bankruptcy was completed. He failed to keep his end of the agreement causing me to fall behind in mortgage payments starting XX/XX/XXXX. The bankruptcy was completed in XX/XX/XXXX and he has refused to sign the Quit Claim in order for me to refinance. On XX/XX/XXXX we went to court where the judge ordered him to sign the Quit Claim to remove him from the Title and Deed to the property at the closing of the refinance. I have tried forebearance loans, forgiveness programs through XXXX, refinancing but either XXXX XXXX XXXX is needed to send his documents and sign for the forebearance and he won't or he is needed to sign the Quit Claim ( I had a refinance ready and was at the closing in XX/XX/XXXX ) but he won't. I am currently in Covid Forebearance with Truist. They have reported to my credit that my balance is XXXX XXXX and that I'm not behind but they will not produce a current statement with the same information and I need this to refinance with a current lender. Truist promised to help but is not giving me the documentation they promised and that I need to move forward and save my home.

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 2022-02-09
Company: EQUIFAX, 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: 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 : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Department of Defense has a charge off on my Experian file ( acct. prefix XXXX Dollar amount {$2000.00} ). This was a bonus payable if I remained in service for a period of time. I left prior to that time period in XX/XX/XXXX. The DOD placed the item as a COLLECTION on my file in XX/XX/XXXX.

They did not comply with the FCRA obsolescence guidelines to remove it in XX/XX/XXXX. In XX/XX/XXXX, they changed the status from a collection to " charged off '' and moved the obsolescence date to XX/XX/XXXX based on that action. This means that a collection that actually started in XX/XX/XXXX, would remain on my file for FIFTEEN YEARS. 

I disputed this with Experian, XXXX XXXX and XXXX. XXXX XXXX and XXXX properly removed the item. Experian did not. This is a clear violation of the FCRA Section 605 ( a ) ( 4 ) and clarified in Section 605 ( c ) ( 1 ) with regard to the seven year period.

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 2019-03-21
Company: EQUIFAX, INC.
State: VA
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:
hello my name is XXXX XXXX iam sending this complaint out today on equifax todaybecause they are trying to take over some poeople life with false reporting on my credit report ... the other credit beruas remove all inquries off my report but they cant i have 48 hard inquires on my report but they want me to call every single company on my report on my own i did not put them on my credit report or tell any body they could run my credit its aginst the law to treat somebody creit like this i mean 40 hard inquires i just got off the phone with them they saying its nothing they can do i siad that a lie how can u let frauds put hard inquires on my credit plz i need help now its like a waist of time keep calling equifax i dont have the time to right down all 48 company names or accounts down it should not be on my credit the first place now they want my ssn bith ceritfireld and bill with my addresss on it WHY they need that it a scam the goverment needs to step up to these guys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a fraudulent charge to my credit card for {$150.00} from XXXX. I disputed this charge with XXXX  XXXX XXXX and they decided in my favor. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from XXXX  XXXX XXXX or XXXX. On XX/XX/XXXX I received a letter from Transworld Systems ( a collection agency ), alleging that I had a balance of {$4900.00} due with XXXX   that they had passed on to me. Again, I had not received any prior correspondence from XXXX   that I had outstanding bills due. After calling XXXX, I learned that my online account had been illegally accessed, and the criminals had gained access to my saved credit cards and were able to use that info along with my saved billing address to send out 4 invoices totaling {$4200.00}. They also changed the email address to their email ( which I have a picture of ), and changed my password.I have full PDFs of all of the fraudulent shipment invoices, many originating in New York state and Washington State, and all shipping to XXXX. XXXX 's Fraud division closes cases after 90 days and thus they were not able to help me, so I have filed a police report and am filing this CFPB report in hopes that it can be resolved. I am hoping that I can provide proof to XXXX  that the charges were fraudulent so that they can let the collections agency know that they were fraudulent and drop the collections. Transworld can not do anything about my charges unless XXXX gives them approval, and XXXX claims they can not help me since it has been longer than 90 days since the charges were made. This leaves me in a difficult position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : In XXXX, I purchased a home in Texas located at XXXX XXXX XXXX in XXXX, TX. The financing structure was a 1st and 2nd and both loans were through XXXX XXXX XXXX ( A subsidiary of XXXX ). Unfortunately, in XXXX, tenants moved out and there was extensive damage both from them and from the hurricanes. Simultaneously, my business had been affected by the collapse of the economy and I was going through divorce as well. I did my best to work with local realtors to get the home listed for sale or rent but couldn't get anyone to represent me with the home in the condition that it was in. Finally, the home went to foreclosure. At the time of foreclosure, XXXX XXXX sold the 1st Trust Deed to XXXX XXXX. The 2nd had already been transferred to Specialized Loan Servicing. Specialized Loan Servicing did not make any claim at the time of the foreclosure and ultimately got nothing. Shortly after that, they started sending me letters and calling me, trying to collect the principal balance. The loan was attached to property that went to foreclosure and I had never refinanced it. Therefore, the loan should have been a non-recourse loan. Even if it wasn't, Specialized Loan Servicing eventually charged the loan off through a Profit and Loss but they still continued trying to collect the principal balance from me. At one time, I was so frustrated that I offered them a nominal settlement but they stated that they would XXXX me for the difference so I halted the negotiations.

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 2023-09-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX, Okay, so here 's what's going on with this situation. I am currently on XXXX, and I receive checks every XXXX weeks from them. 
Once I receive the check by mail. I then go and deposit the check into my checking account at Citi bank. After I deposit the check, I am not able to get the money until next day. XXXX is their policy when it comes to state XXXX checks. Okay, so the next day I go, and the check was not cleared yet. I called the XXXX number to speak to an agent and after they looked into it. The only answer that was given to me at the time was that it looked like the check was not a real check. So, I said to myself, how is this so if it came from the state. They made it seem like from their end that someone had deposited a check into the account, but it wasn't cleared but the funds were given to me anyway. I got another check from state XXXX in the amount of XXXX and funds were given to me because the check cleared again on the next day. I just received another state XXXX check and I was able to deposit it and again the funds were given to me because the check cleared. I looked at my account online the next day just to see and sure enough they had a block on my account. I go in to speak with a teller and she called whomever she needed to see what and why was my account blocked. The person who she spoke with on the phone from the Citibank team. Had her to ask me what I needed the money for and what bills did I pay from this money given to me. The teller tells me after speaking to whomever, that the check didn't look real, and it was fraudulent activity going on come to find out later on the next day. My name had been put on the fraudulent list which I had no clue about until I spoke to the manager at this branch. I am startled, disappointed in the way they handled things and treat their customers. They will be sending me out a letter explaining why they closed my account. I've been banking with them for 20 years and this has never happened before. I couldn't cash my check here, so I went to the check cashing place, and they charged me XXXX dollars. I will be getting another check from the state and i feel like this is going to happen again. Oh, I was also told by the manger to check back in a few more days to see if they have cleared my name form the fraudulent list. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and the branch where I go is located on XXXX here in XXXX. 

Thank you and I look forward to hearing from you soon. 
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 monetary relief