BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: ID
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:
These are not my accounts. please remove them from my credit.

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 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Frauding scams using XXXX  XXXX XXXX of XXXX XXXX Indiana of my birth certificate long form of XXXX XXXX XXXX XXXX XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents

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 2021-02-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
I have been sick hospitalized due to XXXX I never tried to apply for anything. I need these companies removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Late Dates 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 2021-02-08
Company: ENCORE CAPITAL GROUP 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:
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Account status incorrect

Complaint:
I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms XXXX On record until XX/XX/XXXX 2027

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 2019-10-10
Company: EQUIFAX, INC.
State: NJ
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'm filing a complaint against Equifax for taking 30 points off my credit score while other credit bureau, XXXX, and XXXX XXXX don't drop my score that high with the same reporting that Equifax receive. Please investigate Equifax immediately because I believe they're attempting for me to pay them for services that I don't need. I need them to stop that massive point drop on consumers credit report. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
This complaint is against Acura Financial Services and XXXX XXXX Credit bureau. Although I made payments on time by using XXXX XXXX XXXXXXXX online payment system, Acura Financial Services claim that they didn't receive payment on time due to post office delays because of covid-19. I called Acura customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX  Rep also talked with Acura Rep but Acura didn't correct the credit report. I am disappointed that Acura will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to XXXX XXXX Credit Bureau but they have not corrected the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: NY
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 a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX Experian and XXXX have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.

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 2020-05-23
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:
There are errors reporting on my credit report that need to be updated.

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 2020-05-23
Company: EQUIFAX, INC.
State: AL
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:
According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

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 2019-10-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my third and final complaint to resolve the credit reporting errors that EXPERIAN has said twice thst they fixed, but didnt! Im seeking monetary damages for the issues having this not fixed! Two loans were denied because Experian listed my sisters credit on my credit and it is still there! I

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 2018-02-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX # # # # # # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 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 investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
While enrolled as a full time college student I was suddenly struck by a vehicle as a pedestrian. 
Needless to say this caused me to withdraw from many of my courses for an extended period of time - to which I did report promptly to the governing body within the school in question concerning my need to forego a semester or two. 
The Withdrawal was misinterpreted by my institution, not as a medical necessity, but as a lack of appetite to attend & complete my degree. 
Ultimately this dispute was finally resolved within the Institution and the Medical Record, Police Record of the Actual Accident and so on were presented along with an appeal to reinstate my Academic Standing in good form. 

These proceedings did not, however, impact my Student Loan Status. As this entire process did take an extremely long time I was forced into default on the Loans. 

Now years have passed, & I have had Lien on my Tax returns each year to the tune of thousands of dollars. 

Thousands of dollars in payments towards these loans and no ability to gather any specific information about the apportionment of the monies collected to pay the loans. 

Finally I am able to receive some information after Legal Request. 

I am able to see in black and White the figures of these Thousands of Dollars of mine that have impacted this loan to no avail. 

Each payment has been deliberately been forwarded to pay interest and not one penny towards the loans Principle. 

I have more money to give these Loan Sharks - But I can not in good faith begin making any payments at reducing this loan to any degree now knowing that they are taking advantage of me to no end perpetually with not one penny towards the Principle of the Loan. 
As you may imagine, paying Interest Alone could go on forever to no end. 

This must be considered unscrupulous by anyone observing, How can an agency do something like this and escape prosecution is my question>? 

I need some help. I need some serious help on this. 

I have made every good faith effort in attempting to right this loan after having been horribly hurt in an automobile accident whereby I was a pedestrian deemed not at fault forcing me out of school temporarily. I am now needing to finish my degree, & Find that I can not due to this nonsense. 

I can see no rational path forward & only a gaping pit of despair concerning this Fraud that is occurring on my account. Please Help me restore my rights and put a permanent end to this. I have legal documentation as well as monies meant to be paid towards the loan that I will never remit now knowing that it refuses to pay principle balance. Please Advise. I need to have my account handled by an ethically bound governing body. 

I look forward to speaking with you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
nationstar dba mr. cooper has declined doing a hardship medical modification because we had one for same reason 12 months ago. they have been very uncoperatuve. dealing only with a call center person XXXX XXXX who says a lot of people have medicll issues. this mortgage is my wifes name she is recovering trying to from XXXX XXXX  I am her husband of XXXX yrs XXXX  vet and getting treated after you have paid mortgage for over 15 years. is wrong I had to quit work to take care of wife the judge state flordia said that was great. I need someone to contact natonstat you ony can fax these people you canot call. please help us wife in dr. XXXX hospital now.i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 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 investigated.

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 2020-09-08
Company: Business & Professional Collection Service Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to Business and Professional Collection services due to an energy bill ON MY CREDIT REPORT. 

I told them I was willing to pay the balance if they delete from my credit report just because I never got any letter or documentation about this debt, either a proof of this debt. The representative informed me THEY JUST DON'T HAVE IT, I was in shock since how is possible that a collection agency open a collection without proof of debt. 

Also I was informed the address of service for this bill was the XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX, I was living in that address but NEVER IN THAT APARTMENT NUMBER. 

I request them proof of the debt ASAP, they said they will investigate if exist a proof of the debt and mail it to 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