BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
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:
Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on XXXX, Equifax, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into XXXX and Equifax. On XX/XX/XXXX, the suspects gained access into XXXX and Equifax and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called Equifax, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from XXXX on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own Equifax account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Frost-Arnett Company
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subsequent to being injured at work in XX/XX/XXXX some of the medical providers failed to code it as a Workman 's Compensation Injury, thus placing the debt under my name. For the past 18 months, I have not been successful in having my claim resolved. I found it necessary to have the Worker 's Comp attorney intervene. The law firm has mailed the proper documents several times to the medical providers, however, they ( medical providers ) have not followed the protocol ( necessary forms ) required by Workman 's Compensation to pay the claim. This leaves me in the middle, my credit score has suffered greatly and I'm unable to secure any type of loan due to my credit score. 

In the past month, I was served with a court paper to stand trial for a delinquent account. The attorney was successful in having that placed on hold until this can be resolved. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Email to me from the collection agency. 

I just spoke to XXXX at XXXX and he states the balance we have is current. Date of service XXXX {$260.00} XXXX {$240.00} and XX/XX/XXXX - {$25.00}. 

The number you can call for XXXX is XXXX if you want to do a follow-up. I then called XXXX XXXX XXXX XXXX and spoke to XXXX she states Workmans Comp was denied being it wasnt authorized in a timely manner? She said if you want to run it again you would have to take it up with your adjuster. I told her I would give you their info and you may be calling in for a follow-up. I hope this was helpful. Call these people for a follow-up and I will do my part to keep your accounts active in hopes that they get things straightened out being it seems your not at fault. 

Please keep in contact with me. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: WELLS FARGO & COMPANY
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:
As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by Wells Fargo Bank NV NA and Wells Fargo Home Mortgage. 

Wells Fargo Bank NV NA is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX  ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). Wells Fargo Home Mortgage is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the Wells Fargo Bank NV NA Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX ) and Wells Fargo Home Mortgage Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or Wells Fargo Bank NV NA and or Wells Fargo Home Mortgage, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage also included is XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage responses to the aforementioned correspondences and this formal complaint letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: 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: Account status incorrect

Complaint:
Account Name : Dept of Ed XXXX  Equifax XXXX  are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-06-17
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: Account information incorrect

Complaint:
These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -

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 2018-03-06
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The interest rate and charges are WAY to high, I have been paying my loan for years, 8 to be exact and it has not even put a dent in my balance. I am getting no where on this, and don't see the light at the end of the tunnel, I am very frustrated. Please help me! Also, not to mention, this is the 3rd time the loan company has switched or transferred names.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I called the Experian Bureau concerning my dispute letter that was sent on XX/XX/XXXX and was signed for on XX/XX/XXXX. I was told by three agents that the letter wasn't there but I had a certified return receipt reflecting that the documents were signed for. I spoke to an agent by the name of XXXX that told me that if I wanted to dispute the items I had to dispute via phone one by one. He also later stated that the documents were received with everything that I told him was included in the package sent. He stated that he could not provide details when I asked was the dispute open. He stated that there was a special department reviewing. I asked was the disputes open he told me he could not share the information but that I could dispute each item with him. I advised him per the FCRA Act when a dispute is received, it must be reviewed and provide documentation that it was reviewed and the actions taken. I haven't received any alerts that my dispute was reviewed. He would not provide any details on the dispute. I asked to speak to the correct person and even his supervisor he refused to do so. I provided my credit report, my proof of residency, ID, and dispute letters for the dispute. I haven't received any indication that it was reviewed. They have 30 days from the date of receipt and they haven't even opened the dispute or provide any updates. They've even lied about the letter being received. This furthermore proves that they either lose letters or completely disregard. THis is affecting my credit and my ability to do things.

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 2018-10-10
Company: Orion Portfolio Services, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified XXXX XXXX XXXX ( XXXX ) on XX/XX/2018 regarding an alleged debt on behalf of Orion Portfolio Services , LLC ( see attached ). At that time, I contacted XXXX via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from XXXX dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. XXXX, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to XXXX on XX/XX/2018. At that time, XXXX stated that they closed the account and sent it back to Orion Portfolio Services , LLC ( " Orion '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as XXXX. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and Orion Portfolio Services , LLC ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to Orion Portfolio, and I needed to contact XXXX XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of Orion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month for the past 6 months ( XX/XX/XXXX-XX/XX/XXXX ), Ive had nothing but problems trying to access Synchrony Bank through my Amazon and PayPal accounts. You can not even reach them online. Ive had to go through all the hassle of contacting them by telephone, with extremely long wait times and multiple hang ups, with the comment by Customer Service they are having technical difficulties. Six ( 6 ) months + is more than enough time for them to get their act together.

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 2019-02-08
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Closed : XX/XX/XXXX {$8500.00} XXXX - XXXX Closed : XX/XX/XXXX {$5900.00} police report # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: AMERICAN EXPRESS COMPANY
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 have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Navient Solutions, LLC.
State: MA
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:
I paid off the remaining balance on my loan on XX/XX/2019 and cancelled my enrollment in autopayment ( which has been going on for years ). NAVIENT processes a payment on XX/XX/2019 for {$270.00} even though the loan balance was zero and the autopayment shows up in the website as stopped. They said it was already scheduled. They then said it would take 30-45 days to refund the over-payment. This is a scam. Everything is run by computers and I checked the balance on XX/XX/2019 and it showed zero and said the load was paid-off, also showed autopayment was cancelled. 
I then told the agent on the phone that they should pay me back interest at the 5.125 % that they charge me to hold my funds. 
Again this is a scam by a large company and the most complained about financial institution in the USA, probably the world. 
If they can withdraw funds from my bank in a single day, then there is not reason why they should not be able to retunr the funds in a single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear SirsXX/XX/XXXX Re : TransUnion ( XXXX  is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on mXXXX XXXX  card reflected inXX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX  although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXXand XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX  to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXX yet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX XXXX  etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX Hospital I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently inXX/XX/XXXX I was turned down on a purchase as they refuse to read the facts.

My phone calls to TransUnion have met with no assistance or consideration notwithstanding my much reduced credit usage!

Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX  E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  ( with a friend ) Tel ( 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 2021-04-03
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to credit bureau about a collection ( XXXX ) and I have not received a response back or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Comenity Bank/Lane Bryant has violated all of my consumer credit rights. Attached, are the documents I sent them, notarized affidavit of truth proving the facts, and my certified mail receipt copies. They have XXXX  days to send me my remedy. On XX/XX/XXXX I sent them a Cease and Desist, Invoice for XXXX violations, Affidavit of Truth, and Exhibits. Comenity Bank/Lane Bryant is in violation of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation