BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by 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 2021-05-10
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX  repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
I have been reaching out to Experian and XXXX regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX  and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both Experian and XXXX continue to Update this information from XXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for 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 2019-06-19
Company: Robinson, Reagan and Young PLLC
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:
I never received notice at all, I am not aware that I have a past due balance but I paid it as soon as I was able to verify that it was valid. 

I am in the process of a mortgage loan and the only thing that is preventing me from moving forward is this account. My credit score dropped by 90 points and Its beyond frustrating. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I misunderstood COVID deferrals and assumed my loan payments were being deferred but I guess my loans are not federal. Once I realized I caught the loan up. I asked if they could waive the late fees and they refused. Been paying the darn loan over 15 years and that's how they treat people?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: TN
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 been filing disputes since XXXX of 2021 with XXXX, XXXX, and Equifax. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX/XXXX  XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear BoA ; Hoping that you're doing well during this pandemic ... .. Listen, I'm not sure why you continue to report inaccurate, incomplete, and unverifiable information on my credit report. Also, i was promised that once the payment cleared you would contact the 3 major credit bureaus and remove it from my credit report entirely. You continue to mention that you verified the data on this account, but I've attached the proof that i paid off the account and i'm not LIABLE for this account and want this deleted from my credit as promised. There is no way you verified because it still reports incomplete, inconsistent, and unverifiable information. Please delete!!!

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 2020-11-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed 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 2018-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these item several times however the company refuses to send any concrete evidence that these is my account. I will go one by one. 

XXXX - The name of the creditor is XXXX XXXX XXXX which makes me believe it is used for health related services. As a XXXX veteran I receive all of my medical and dental services from VA. I have requested the information below from the company. 

a. Is this a medical bill? 
b. What services were performed? 
c. Who received such services? 
d. Who signed the original contract? 

XXXX This appears to be a a XXXX XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

XXXX This appears to be a a XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

I suspect I may have been the victim of identity theft but until I receive the requested documents there is no way I can be certain beyond any doubt. All they have to do is provide something, anything with my signature on it which establishes some contractual obligation that is binding on me to pay this debt so I can see who signed it and who signed for the merchandise and/or services. It is a simple request. Instead all I get is copies of old statements and a template letter telling me they verified it. I am also requesting for the company to provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC in the state of Texas in case legal action becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX   they REMOVED this account and I sent them the same Documentation What makes Experian so special I would really like to know? 

I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my Experian account as with a Past Due balance which is a clear violation

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 2023-08-10
Company: United Collection Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred a medical expense in XX/XX/2023. The bill was paid in full on XX/XX/2023. 

On XX/XX/XXXX, the payment was returned to my bank ( XXXX ) without any explanation. On XX/XX/XXXX, I called the billing office in response to a XXXX bill that I received. The billing office confirmed that they had returned the payment and said that their back office was reviewing, and I should disregard the new bill and wait to hear further. 

On XX/XX/XXXX, I received a second bill for the same amount and paid it in full again on XX/XX/XXXX. On XX/XX/XXXX, I received a third bill for the same amount as the two previous bills. I contacted the billing office in writing giving the details of the XX/XX/XXXX payment and asked them to advise on the new bill. No response has ever been received. 

On XX/XX/XXXX, I called the billing office again. My bank sent proof of the payment ; the medical facility said that the payment was found in their system but said it had not been cashed. I was advised to allow additional time for you to process the payment. 

On XX/XX/XXXX, the second payment was returned to my bank with no explanation. The medical billing office did not contact me in any way, so I didnt realize this until I saw it in my bank account earlier this week. I immediately paid the bill in full for a third time. 
Yesterday, I received a notice that this bill had been turned over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions 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:
IhaveattemptedtodisputethisaccountseveraltimeswithXXXX,Ihavewrittenaletterandalsodisputedonline.Butnoactionhasbeentaken.

AccountNameXXXXXXXXXXXXAccountNumberXXXXAccountTypeCollectionResponsibilityIndividualDateOpenedXX/XX/XXXXStatusCollectionaccount.{$5500.00}pastdueasofXX/XX/XXXX.


StatusUpdatedXX/XX/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 2020-06-23
Company: Experian Information Solutions Inc.
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 several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem with personal statement of dispute

Complaint:
I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible

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 2020-06-23
Company: Ballybunion Enterprises, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im financially damaged because i had to hire XXXX XXXX to aid in removing this inner derogatory of my report. The statue of limitation in North Carolina is 3 years. The drop off date is XX/XX/2020 for this charge that is trying to be reinstated into my 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 2019-06-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2016, my husband and I purchased a home. We put down 20 % and have an FHA loan. We are currently paying {$220.00} PMI. We wanted to have the PMI removed because we now have over 30 % equity in our home. Our loan was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and is now with XXXX XXXX XXXX XXXX. I've requested the removal of this last year with XXXX XXXX but was denied. I don't think that it's fair, that a consumer who has more than 30 % of the equity in a home, have to continue to pay these fees.

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 2021-08-12
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern ; I have been doing everything I can in my power to let Citi-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to Citi as well. Now they aparently have sold the account to another company - XXXX XXXX XXXX XXXX - XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. Citi already know about it and they tried for me to pay them even I show them the police 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 2021-02-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The complaint is being filed against Citibank for 2 credit card accounts : Citi XXXX XXXX & Citi XXXX XXXX. 

I received emails for each account on XX/XX/21 indicating that my credit limit was being lowered for each account based on reviewing my most recent FICO report from XXXX. In both instances the limit was lowered to the available balance of about 1 minimum payment, effectively maxing out both cards where there was otherwise reasonable credit limit available. 

Citi XXXX : Original Limit {$22000.00} reduced to {$17000.00} ; I went from having {$5100.00} available credit to having {$370.00} available with minimum payment due of {$300.00}. 

Citi XXXX XXXX : Original Limit {$3800.00} reduced to {$2000.00} ; I went from having {$1700.00} available credit to having {$58.00} available with minimum payment due of {$56.00}. 

I contacted customer service ( finally reaching a live person after about 6 menus of options but that is another issue ) to ask if there was something wrong with my payment history as to why they would reduce my credit lines. I was told it had nothing to do with my payment history and she basically read the reason stated in the email letter they sent. I was told I had to contact XXXX to see if there was an error and this is just their policy and basically there was nothing she would do. I advised her that I would be filing a complaint. 

My balances are higher than normal and I'm pretty sure everyone 's balances are higher given the effects of the pandemic. I have paid on time and all bills are being paid regardless of higher than normal balances on my credit cards. My FICO has fallen given these higher balances but is still in good standing. I have been close to maximum limits in the past with this company and instead of lowering my limit they have automatically increased the limit. Lowering the credit limit on each account to the point where it is now at the maximum limit, seems unfair and abusive to the common customer. I work for a XXXX  and our mission is to assist the customer through this financially difficult time given the pandemic. This action of lowering the limit to max out the credit limit is unfair and abusive to any customer. I am certain that I am not the only customer that this has happened to and that is why I am filing this complaint. 

My account is in good standing, paid on time every month. The resolution I seek is to have my original limits reinstated and not be subjected to arbitrary limit changes going forward. If I were not paying my bill, then I could see not wanting to allow me more credit, but that is not the case and my payment history with this company will show that.

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 2019-06-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputed an old record on my Experian account, from a separation/divorce. Account was from 1996, a total of {$2900.00}. This was on my account as resolved. I sent in a dispute to get it removed, as its the ONLY negative record on my account. After the investigation, which resolved NOTHING, Experian dropped my credit score 36 points for a closed/resolved account! All I wanted to do is get an old record off. 
Unacceptable automated responses, and nothing more. 

VERY UNHAPPY, as this is the only negative item on my account and it was resolved/closed years ago!

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