BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I've paid XXXX XXXX XXXX {$1000.00} as payment in full to settle a debt after a financial crisis. Upon payment a representative name unknown mentioned he would update credit file. 2 reporting cycles has passed and XXXX XXXX XXXX for XXXX has fail to fulfill there end of agreement. this continues to hurt my credit score badly for chances to buy my family and i a home as well as rebuild my credit reputation in good standards.

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 2021-04-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with XXXX and Experian  and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix 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 non-monetary relief
Consumer complaint received 2018-06-24
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter of collection from Transword Systems INC that My daughters student loan cosigned by me was placed into default by XXXX XXXX XXXXXXXX XXXX, as she did make payments but not the amount they wanted. I received a call on XXXX From XXXX XXXX at Transworld telling me of the status of the loan and that it was due in full. he asked to verify my daughters address and phone which I did not have access to at the time of the call. I called him again on XXXX and was told that since I am the co-signer I am liable for the full amount of {$10000.00} or a settled amount. I asked about making payments. he stated that payments were not allowed. I stated " well I just don't have XXXX in my pocket '' His reply was, you have a home that is not under mortage and other assets so you do have the money. I felt like this was a threat. He also said he would not deal with my daughter as when he called her she said he had the wrong number. He told me I should pay the loan with a 0 % interest credit card. On XXXX my daughter called talked to XXXX, inquiring about making payments, and was told payments were not an option. On XXXX I called and spoke to XXXX again and asked him why payments were not an option, I was told if it was a federal student loan payments would be optional but are not with a private student loan. He did also say you and or your daughter can make all the payments you want but it will not stop negative action from being taken against you. On XXXX I spoke again with XXXX, he offered a settled amount of {$7900.00} which I could not do. I also asked for a copy of the original judgement which I never received. I called again on XXXX and spoke to XXXX XXXX, I asked for a copy of payment options offered by the company or a policy. She told me that no such document existed. I am not disputing the amount owed, just the collection method. I will have to say that XXXX was always polite on the phone but XXXX XXXX and XXXX XXXX were rude and hateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
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:
Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: MO
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:
Equifax breach : confirmation that I was affected by the breach and refuse to process or allow access to the promised credit monitoring. I have completed the enrollment application 5 days ago, and still have not been granted access to the credit monitoring. I have called Equifax on numerous occasions and have been given phone numbers to Equifax automated systems and other departments, none of which could or would provide any assistance. Two of the 10 employees include XXXX # XXXX and XXXX # XXXX. XXXX informed me that my enrollment application could not be located, and he could n't help me, and told me to complete the enrollment again. I 've completed the enrollment 4 times, and still have n't received the confirmation email to finalize the enrollment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2018-07-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was closed by my bank, because of another person withdrawing money from my account. The bank told me this was a case of fraud, and they give me a 30 day notice that they were closing my account. I had my Social security check being deposited to this account, plus other electronic withdrawals set up to pay my auto and home insurance. Due to their closing my account, I had to call Social Security to get my check sent to my home address temporarliy, and I had to call my insurance company, and get paper statements sent to my home address. Plus, they would not pay out funds on one of my checks, and they also closed my debit card. Since I am now 70 years, all of this has caused me some serious mental issues, wondering how many more problems I will have because of the bank has done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late forXX/XX/XXXX. I have called the XXXXXXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX, Transunion, nor XXXX  have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of 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 2018-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, XXXX, and Experian. Neither XXXX XXXX, XXXX, XXXX, nor Experian have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of 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 2018-04-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of account. It shows XXXX but I havent had XXXX in nearly 10 years.

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 2020-02-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a letter from a collection agency regarding a debt in the amount of {$250.00} alleged by XXXX XXXX XXXX XXXX XXXX XXXX about uniform/equipment. In fact, I NEVER received any uniform or equipment from XXXX because I did not work with them except that I attended an orientation/training and they did not issue me any uniform or equipment. Besides, they never contacted me neither by phone or email or regular mail about this alleged charge or debt. It is an unethical business practice that they refer a false and non-existing debt to a collection agency ; therefore, they need to rectify the matter and remove the alleged debt immediately because it might affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I was admitted to the Emergency room at a XXXX Hospital in XXXX, TN. My bills were submitted to my then health insurance company, XXXX XXXX. All my bills were paid in full as I had already met my deductible. I also received a letter from XXXX XXXX stating the doctor, XXXX XXXX, has billed way more than normal, and I should NOT pay anything outside of what was negotiated with insurance. XXXX XXXX also outsourced this claim amount to a company called XXXX to acknowledge the amount billed was far more than normal for my standard treatment at the ER. I was seen, treated, and released the same day. The doctor, through XXXX XXXX XXXX, XXXX, sent me one bill with the amount insurance didnt cover. I again called my insurance company to see about this. I was instructed again that this matter and bill was settled and do not pay. Then XXXX XXXX told me they would contact the doctor and XXXX XXXX about this matter. Then came several calls and letters that this bill had been sent to XXXX XXXX XXXX collections agency. The amount was owed was {$1200.00}. I once again called my insurance company and was instructed to fax copies of the bill over to them and that this would solve the matter. I faxed this XX/XX/XXXX. Afterwards, I received a letter dated XX/XX/XXXX that XXXX XXXX XXXX XXXX acknowledged receipt of my dispute ( per my insurance company ), and that they ( XXXX  ) were not credit reporting this account. They also stated they were no longer going to put forth collection efforts due to not enough sufficient information for the account, and returned the account to the original Current Creditor ( listed as XXXX XXXXXXXX, XXXX ). Today, XX/XX/XXXX, I have received a notice that my credit has gone down several points due to an open unpaid debt in the amount of {$1200.00} has been turned over to the XXXX XXXX XXXX XXXXXXXX out of XXXX, TX as of XX/XX/XXXX. This is the first I have heard of this. So, now it seems I am being sued for an amount that I do not owe and have tried repeatedly to resolve. This doctor XXXX through XXXX has seemingly billed my insurance company as of then ( XXXX XXXX ) twice and has received payment. However, he will not let this matter rest.

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 2020-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I would like to file a formal complaint against Experian as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Experian credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. Experian inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and XXXX XXXX XXXX and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted Experian on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told Experian that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Experian themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

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 2020-02-03
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX GLOBAL LENDING SERVICES {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a bank account at TD Bank and was supposed to get a bonus for having money deposited for a certain amount of time. I deposited that money via check in person at the branch before the deadline and kept my money in the account for the right amount of time. Per the terms of the agreement, the deadline for having my bonus paid has passed by two weeks. The bank told me that they will not honor the agreement because they delayed in crediting the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
i cancelled a credit watch service with Equifax in XXXX XXXX they kept billing me and i called them in XXXX about cancelling again and getting a deserved refund. 
They claimed no refund even if billed incorrectly and i complained they said we will start you with Equifax XXXX at no charge. 
They then proceeded to charge me again and i filed a complaint with the company and they said we do not refund. we have a no refund policy and gave me a claim number that they would get me my money back XXXX I called XX/XX/XXXX to ask where my claim stood and when i would receive my money. 
Nobody recognized the claim number, asked for a super, no consolation, ask for another super, transferred me to another div and went through the same spur request. 
Still nobody would give me service on my claim number, but continued to state no refund policy. 
I repeated that i have been billed twice in XXXX and have transaction numbers. They have stolen money from me. 
A company that supposedly protects you from fraud, committed FRAUD against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife and I had a debt from 2011 which we do not dispute. It didn't show up on our credit report when we were paying off all of our debt to improve our credit score. We submitted an offer on a new house and it was accepted. The title company states there is a debt owing to Bank of America, which we need to resolve in the closing of our new house. The title company sent a request for payoff, and was denied. They were instructed to send a fax in order to appeal the decision. So to be clear, we are trying to satisfy the debt and have been denied. We need to appeal their decision in order to move forward on our home loan. I personally called Bank of America in order to resolve the issue and was told it was being reviewed by legal and that " they do not have a phone number for me to contact them and ask why we can't pay the debt ''. This appears to be very dishonest and, quite frankly, shady business practice. If the home loan falls apart due to Bank of America not allowing us to pay our debt, I will be very upset. My opinion is that the debt has been discharged, and Bank of America legal team is trying to find a way to re-instate the loan. If they don't have a phone number for me to reach out to them, how am I supposed to figure out what is going on in the process? They just keep telling everyone, " It is being reviewed by our legal team ''. This is unacceptable behavior!

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