BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.

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 2020-07-25
Company: ERC
State: MI
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 never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


Enhanced Recovery Company - XXXX XXXX XXXX XXXX XXXX, Florida XXXX - XXXX XXXX  XXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2021 I called TransUnion.com 7 times and was unable to get into my XXXX account account. I have been hung up on and dismissed because they are unable to repair their system issues! 

I am still unable to see my credit information and I want to have access to my accont ASAP! 

Thank you for your help in this matter. 

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 2019-04-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Second attempt to submit the following complaint due to website failure. 

Requesting CFPB intervention due to unfair debt collection and erroneous derogatory marks placed in credit report by the original creditor and collection agency. The following facts is provided to assist CFPB pursue the consumer claim regarding unfair credit reporting and harassment by the collecting agency : 1 ) Debt is a medical bill on behalf of XXXX XXXX XXXX ' a minor currently residing full-time with his mother XXXX XXXX XXXX '. 

2 ) The father 'XXXX  XXXX XXXX was not present nor signed any documentation during the medical treatment. The primary insurance holder based on court child custodial ruling stipulates that the primary health insurance provider is the mother whom the child resides full-time. The mother ( XXXX  XXXX XXXX ) utilized the father 's medical health insurance without prior consistent to use despite court agreement stipulates that she is the primary health care insurance carrier. 

3 ) The medical facility failed to provide proper notification of the incurred debt to the parent and blatantly placed the amount owed towards the father who has no knowledge of the debt. Despite the lack of proper mail notification the debt was submitted to collection and placed a derogatory marks through the credit bureau. Constant harassment via phone calls from the collection agency regarding payment requirements of the medical bills. Threatening phone call remarks were made that the sole responsibility was on the father despite numerous plea and substantial evidence was provided to resolve the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to manage my freeze online at Equifax. Every single time I have to call in and spend half an hour being sold one of their useless products before I can get my credit report unfrozen. I would much rather have no business relationship with a company as incompetent as Equifax, but it appears I have no say in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have disputed address information with XXXX. I have also received three different credit reports from XXXX showing they have deleted the former addresses. They still currently appear on my XXXX  credit report. They are refusing to remove the old addresses even though dispute is completed.

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 2021-11-05
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My husband applied for a Visa XXXX XXXX with US Bank in XXXX of XX/XX/XXXX. The website stated that we would find out instantly, they did not issue it. Over the next two months we called in to verify information. Due to my husbands work schedule this was very hard as they have super limited hours with wait times that extended 30 or more minutes each time. I had to wait on hold and catch him in between meetings since they would not tell me what needed verification. We were told to reapply so we did and it noted we had another application. We changed our income amount and the application processed but was held up by them thinking our email address was odd. I explained we have our own email server and custom accounts. I asked if anything else needed verification and the agent said no. Fast forward to the first week in XX/XX/2021, we get our cards, activated them and for our first use they were rejected for being invalid. I called and was transferred through 4 different departments and was on hold for over an hour. At that time I was told we had to submit copies of our drivers license and social security card. That until we did that our account was closed and could not be reopened. I asked why since we are debt free, have credit cards that have been open for over 20 years and never had to provide this before. The agent was very rude and refused to provide any information. 

We decided dining rewards were not worth dealing with a completely incompetent bank. We hope they fix their systems so others do not feeling like they are criminals trying to open a credit card.

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 2017-12-03
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 items on my credit report that not mine I have never open these accounts I have wrote a letter to credit company and files a Dispute with credit bureau and these items remain on my credit report also it not showing on my credit repair as disputed items

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 2021-02-01
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I moved out from this apartment that we were renting, we deliver the keys to the staff in the front desk resident services, they checked the apartment and once that happened they did not lock the door, We took pictures of everything ( including the kitchen countertop ) and weeks later they sent an envelope in the mail saying they will give us back money from the deposit, after that the company that rents these apartments sent us another envelope by mail ( week way after the first one ), stating that there was damage in the kitchen ( we did not do this damage ) since we delivered keys weeks before of this event and took photographic evidence since we refused to pay this debt they passed this to a debt collector ( XXXX XXXX XXXX XXXX  ). I explained to them that I disputed with the apartment company this debt and had evidence that we did not owe anything, they said to me is just {$300.00} and tried to harras me about impacting my credit score for years if I did not pay them. 

I still have the photos and the evidence of the email communications with the apartment complex company when I disputed this fake debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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: Account status incorrect

Complaint:
I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and XXXX AND EQUIFAX refused to removed account from my wife 's credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, my neighbors left their sprinklers on overnight and ended up flooding our basement. In turn we got an insurance settlement. By law insurance settlement checks require both yours and your mortgage company signature. We sent the check to our mortgage company, Loancare LLC, and they returned the check to us, because we forgot to sign it. We received a new check from the insurance, signed it and sent it to Loancare for their signature. They demanded that we pay for the repairs ourselves and then reimburse us, but we don't have that kind of money. Then they demanded a contractor to do the work, then they would reimburse the contractor in payments. By what we were told, Utah does not require flooring installers have a contractors license, so they don't carry one. The only damage was flooring and a little bit of sheet rock, so our original intention was to do the work ourselves. Hiring a contractor will cost more than what our insurance gave us. We've been trying to get our check for 6 months now, and they are still refusing to give it to us.

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 2020-12-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My son XXXX XXXX purchased tickets to XXXX from XXXX XXXX. He was informed by XXXX XXXX that flight has been canceled due to Pandemic so we requested Citibank to give the credit of approx. {$580.00}. They took their own time to investigate and finally came to us after few months that XXXX XXXX is not agreeing to take the charge. Inspite of early action i.e. letting Citibank to dispute the transaction because of Pandemic no action was taken by them. 

Today i called them and was told that resolution period has ended and i would be losing my hard earned money because of inappropriate actions by Citibank. I request that i am reimbursed with the cost of tickets as flying in XXXX was not possible and even more Airline canceled the ticket. i have attached email received from XXXX XXXX for reference.

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 2021-05-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase denied my claim for 3 credits owed to my account. Chase claims I was too late and that we are outside of the Visa USA timelines. However, per the research of my attorney, the Chase representative mistakenly applied the wrong timeline which does not apply in my situation in which we qualify for longer timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In 2013, at the age of XXXX I decided to open a account to receive XXXX for my XXXX  initially I didnt need it but I felt like I wanted a more structured XXXX. when I went to the XXXX  in XXXX XXXX The XXXX  himself said the XXXX were not needed, since I wanted a straight, more structured XXXX   obviously my treatment would be small and minute I still agreed to go through with my XXXX, upon signing up I was asked to pay from $ XXXX that would start the process is well as put the XXXX  in my XXXX, every single appointment had to be paid In advanced Or prepaid should I say due to the fact that I was a college student and thats the way they did business, I had no problem with it with that being said I was seen about 4 to 5 times and every time I went to the XXXX  I paid in advance they were aware that I was back-and-forth to college as well as them not having it alternative orthodontist for me to go to my College area I would have to call & reschedule my appointment in order for me to get to the city of XXXX to be seen by them, within Time in multiple rescheduling they attempted to collect money for me, but if I hadnt been seen or any procedure had been done in my mouth why would I pay them? There was no obligation so with that being said they decided to put me into collections without any notice or any warning, we can put them in collection they decided to place a debt in my name over {$2200.00}, Which is not owed to them in anyway shape or form no procedure have been done in my XXXX  and everything that I have gotten from them had been pre-paid in advance. They never called, gave me a warning and or spoke to me about being placed a collection they have never tried/attempted to remove this off of my credit I have attempted to numerous occasions about reaching out to them trying to speak to the doctor herself etc. and they refuse to communicate with me they continuously forward me to a Debt collectors I am reaching out to you at the consumer financial protection bureau for help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I was purchasing a pair of jeans at Sears in XXXX, FL. The store associate told me that if I applied for the Sears Mastercard, I would have {$40.00} off my first statement and would only pay {$2.00} for the jeans. Evidence of this is the sales receipt, on which the associate hand-wrote " -XXXX '' and a total amount of " XXXX. '' I applied based completely on that statement. When I received the statement, there was no {$40.00} credit. When I called the credit card company on XX/XX/XXXX, I was told my purchase did not qualify for the {$40.00} credit and I would have to pay {$42.00}. I made that payment on XX/XX/XXXX, so as not to impact my credit rating and to have the account be closed immediately. During that phone call on XX/XX/XXXX I made the request that this account be closed due to fraudulent representation by the store associate. I was told the account would be closed. When I received the credit card in the mail, I did not activate it, and I destroyed the card. 

On or around XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that the account could not be closed " ... because the request must be initiated by either the primary or joint accountholders, and it was not. '' ( This was obviously not true. ) The letter asked for a signed request. On XX/XX/XXXX, I sent the signed request that the account be closed, and also stated that if I did not receive written confirmation in 10-14 days, I would file this complaint. I have had no response.

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
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.

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 2021-02-01
Company: MJ Altman Companies, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For months I have been fighting a back & forth game with " XXXX XXXX XXXX '' where I had lab work services preformed & " MJ Altman Companies '' debt collector. The collection is for {$320.00} XXXX XXXX XXXX made an error by charging the wrong insurance company, I've always had the same active insurance, I have no clue where they got the wrong information from. Multiple times I was assured by supervisors that they made an error and that it will be corrected immediately. After months of getting the same run-around answer I don't know what else to do. Is there any justice? I'm attempting to purchase a home & this wrongful reporting has dropped my XXXX & XXXX score tremendously.

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 2021-09-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2021 I mailed a certified Debt validation letter to Navient- Department of education . In this letter I stated " Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation