BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: PR
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:
The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ {XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and 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 2018-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2017-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
they wo n't let me access the system with an external app. They apparently, block 3rd party apps and I would like to use this app to help lower my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has not provided ANY proof of debt and are harassing me threatening to hurt my credit, etc. 

They have not sent me original statements and I have sent them the letter that shows this has been paid by charity at the hospital. 

All I have is what i had before a list of numbers which mean nothing to me. 

They did adjust the amount but are still attempting to collect fraudulently. 

tHE LETTER FROM THE CHARITY HAS ALREADY BEEN SENT.

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 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My Credit report has been outstanding for the last couple of years as i plan on opening a business soon. I have 2 student loans with XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) and upon contacting them through phone calls couple times, their associate gave me the wrong information misleading me on what i can do. They said that they don't report to credit reporting agencies unless it is over 120 days late. Fast forward to couple weeks ago when i talked to an associate again, i stated that my account is late but i am in the process of apply for a deferment. I specifically asked if i need to make a payment just in case or it will be ok and the associate said that " you don't need to make a payment and we don't report to credit reporting agencies unless it is couple months late and your account still have time so you should be ok '', misleading me with the wrong information again. So i asked again to make sure and the associate states that she is " sure '' meanwhile my wife is with me listening to it as we both made sure the problem is taken care of.. 

I have always paid my bills on time and because of this misleading info. from a poorly trained customer representative, my credit was so badly affected negatively and thus my dream of opening a business soon is hindered. I believe that although i don't have any proof as the communication is through direct phone calls and not email or paper, i should be given a second chance especially since it is not my fault, and that i called in to talk and asked about my loan, i have the intention to pay it, and that my credit history has been excellent. 

Upon contacting Transunion and XXXX XXXXXXXX XXXX, none of the company is willing to resolve my problem. I need help in getting this fixed as it reflects my integrity and trustworthiness as being negative.

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 2018-06-23
Company: Andrews & Cox, P.C.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a certified letter dated XX/XX/XXXX to the collection agency XXXX XXXX XXXX which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe XXXX XXXX XXXX the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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:
Company called XXXX is attaching a collection to my credit report on both Equifax and XXXX. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
About a month ago, a {$120.00} debt showed up in my credit report. It is called XXXX XXXX XXXX and the original creditor is XXXX XXXX. I am a XXXX XXXX customer, although I have never had any outstanding debt with them. I have never heard of this charge, have never received a bill for it, and I have no idea what it is for. I can log in to my XXXX XXXX account and it shows a {$0.00} balance, and the entire payment history comprises only my regular monthly bills and payments of {$43.00}. There is no record of any {$120.00} bill, nor does any combination of anything total {$120.00}. I called XXXX XXXX, and after a confusing conversation, they looked up some things in their computer and said that the charge was a mistake, and that they would credit it to my account. I did not receive any credit in my XXXX XXXX account, which is OK because there is no record of any debt to be credited, but the amount on my credit report dropped from {$120.00} to {$21.00}. On my credit report, it now appears that I paid the difference ( {$100.00} ), which I did not, because this debt never existed, and this apparent payment seems to legitimize this otherwise completely fabricated debt. I submitted a dispute for each amount but the debt was upheld each time. I still have never received a bill for either amount and have no idea what it is for. My only guess is that XXXX XXXX sold a fake debt to XXXX XXXX XXXX in bad faith as a nefarious means of generating revenue.

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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months 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
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This morning I received an email from Capital One to let me know that they reviewed my account and lowered my credit from {$5400.00} to {$1500.00}. At this time I'm carrying a {$0.00} balance trying to keep my debt low because we are in the middle of a pandemic. We have no idea what will happened in the future and I need my credit card for emergency purposes. I'm highly upset right now with Capital One. If you review my account, I've had my cards for over XXXX plus years. I have never been late, EVER!!! Is that how this company takes care of long term/ good customers? Not to mention because Capital One dropped my credit limit ... my credit score will also drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted Transunion to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help

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 2018-04-27
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  was included in my chapter XXXX bankruptcy and subsequently discharged. Experian has this item incorrectly listed on my file. I disputed it with them asking them to update the item as " included in bankruptcy '' and change the status to " unrated '' as provided in industry standards and federal law. 

XXXX XXXX. Account number listed XXXX I have a attached a copy of XXXX XXXX from my bankruptcy showing this XXXX account.

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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I noticed this issue in XX/XX/XXXX and start from XX/XX/XXXX, Transunion has charged me {$180.00} in total, with {$19.00} per month. I was charged without aware of registered as a membership. Transunion did not send me any receipt or notice of charging which is totally unacceptable.

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 2018-08-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX, XXXX Card. Today I tried logging into my account. My login information had been changed. I called online and I was told my address had been changed as well. I have since looked at my past statements and my address was correct and unchanged for the past year. After logging in I found out that my credit limit had decrease. I tried contacting live chat twice. At first I could not type and I was disconnected. I explain what I stated above and I am told we sent you a letter - how did you send me a letter if you claim my address was wrong. I then state that my payments are automatic, never late and my pay scale has increased. I asked when they changed my limit. They refuse to answer and say my credit report was used to lower my limit. I asked for corporate contact email and phone number 6 times and they provide me with a name and nothing more. Then I received a link to provide them with a compliment for customer service. They should not have decrease my limit, lowered my credit score and ignored my requests in writing for information. I tell them that my identity was stolen last year and that was the only way I was transferred to a manager who tells me to have a sunshine day. I want the company investigated for fraudulent practices

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 2018-08-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I spoke with a representative with Freedom Mortgage Corporation  who advised that the company does not permit account holders to initiate or make payments through its online payment portal, other than the exact amount equal to the monthly loan payment. This representative advised one of the alternative methods is if the consumer/account holder initiates a payment through their customer service number, yet is assessed a fee. I believe that this company 's policy only impedes consumers/account holders from making multiple payment, and is detrimental and burdensome to its account holders. Additionally, the archaic online payment system is simply abnormal business practice. Banks and consumer credit card companies maintain online payment portals that allow its consumers/account holders the ability to issue 1 or several payments in real time, or scheduled in advance.

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 2020-11-05
Company: EQUIFAX, INC.
State: GA
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:
I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted BK  court and XXXX and was advised that they do not verify BK information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any BK information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I have disputed with Lexis Nexis and the credit bureaus alike regarding the reporting of the bankruptcy entries reflected on my credit reports. In my most recent dispute to Lexis Nexis, I advised them that there were inaccuracies reflected in their reporting to the 3 major bureaus. Lexis Nexis responded ( see attached ) that after a reinvestigation of the data in question, they verified that the bankruptcy case number was accurately reporting.

How so? 2 different reference numbers are reflected among the 3 reports. 2 different filing dates are reported among the 3 reports as well as 3 different courts. These are evident inaccuracies that differ on the reports. Reporting per FCRA should be 100 % accurate. These are factual inaccuracies that Lexis Nexis is reporting and has not reinvestigated as they stated. If the reinvestigation had in fact been completed, they would have reflected consistencies among all 3 bureaus. These entries are inaccurate and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Merchants and Professional Bureau, 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:
No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
XXXX XXXX is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation