BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
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:
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NV
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 sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XXXX. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-12-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from this so called company ARS ( Account Resolution Services ) telling me that I was placed in collections for a medical debt regarding some previous visit of my son to the ER in the XXXX XXXX Hospital I explained that my son had insurance ( XXXX bc he is XXXX  ) and I have never had to pay any bill or medication before. I didn't give them any information and asked for the Dr name bc I keep records of all my son 's visit to the hospital and the dates were coincident Then I called the hospital and they assured me that i didn't have any bill pending under that doctor 's name Now I'm getting a letter from the same company ( the information is at the end of this letter ) with two visits ( one is real, the other is not ) and I'm worried bc I really don't know if this could impact my credit history, which btw is not bad at all. 
Any help I could receive from you would be highly appreciated ACCOUNT RESOLUTION SERVICES a division of HRRG, XXXX XXXX XXXX  XXXX XXXX, FL XXXX Ph : XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2023-02-11
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to understand necessary payments for my mother 's mortgage which is owned by XXXX XXXX. I have been calling the company for over two months now, and when directed to my " point of contact '', XXXX XXXX. I'm met with a complete refusal on their behalf to call me back. I have tried escalating this to his supervisor, XXXX XXXX, with no effect. On two occasions, I have received calls which resulted in their system hanging up on me as soon as I pick up. I feel like the mortgage company is intentionally not attempting to establish communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
We have 3-business VISA accounts and 1-personal account, our charges each month on all the cards is often in the tens of thousands of dollars, but we do not make monthly payments, our balances are paid off 100 % each month. The Credit Reports make it look like we have a considerable amount of debt and are making monthly payments, when we actually have none, other than one mortgage through our company XXXX XXXX, XXXX, for the XXXXXXXX XXXX in downtown XXXX, XXXX. We have no personal mortgage debt on our 2 homes and 2 condos. We have been trying to increase our CC limit to {$100000.00} as we are in the process of furnishing our XXXX XXXXXXXX XXXX home that we have just built and will be making significant furniture purchases. Regardless of our monthly expenditures the full balance will always be paid off. 

XXXX XXXX relies on the credit report to justify a credit increase, it is ludicrous for them not to look in-house to know we never carry over a balance. Why they rely on the credit service makes no sense under these circumstances.

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 2020-12-08
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I opened an account at a TD Bank branch in Washington DC. I have had an account at the XXXX part of TD for decades because I used to work there and I imagined that having an account at the US bit would make it easier and cheaper for me to move funds from the XXXX account to the US.

All was well until about four years ago, when TD neglected to send me a replacement ATM card. I called several times but, despite wasting a lot of time, was for reasons I remain unclear on, unable to persuade them to send me one. After a couple of years of that, I decided to simply close the account. That, as it turns out, is not easy either. Indeed, so far it has proved impossible. Again there have been multiple phone calls, followed by the notarized letter that their website promises will suffice to close an account. That letter was sent in XX/XX/XXXX. I then followed up multiple times using the secure email facility on their website. At first I just got form emails back saying that they were too busy with COVID. So I gave up again and got busy with other things. 

Today I received a snail mail letter informing me that my account has been designated inactive and is in danger of being turned over to the government as unclaimed. It has been active in the financial sense because TD Bank refuses to let me use it by sending me an ATM card or, as I found out today, by letting me remove funds electronically to my local bank account or to XXXX. It has certainly not been inactive in the broader sense that I have been in contact every few months, first in my attempts to attain an ATM card and then in my attempts to close my account. 

So the snail mail I received today asked me to show up in person at a branch or to undertake a transaction. The former is difficult because I live far from the nearest TD Branch and am not travelling to DC for business as I normally do due to the pandemic. The latter is impossible because they will not send me an ATM card nor let me withdraw money electronically. I would be a fool to deposit money in an account from which I am unable to withdraw funds. I have not attempted to write a paper check and deposit it in my local bank because I worry they will not honor it and I will end up paying bounced check fees. I did not call again today because I have learned through painful experience that all it does is put me in a bad mood, which is unpleasant for my family. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was paid off by a financial institution on my behalf in XXXX of this year. 
I received a letter - opened on XXXX that indicated the account was closed. I verified this with my noble app. 
I called capital one and inquired about the closure. They said that they had received a letter to close the account separately from the payoff that had my signature. I asked for a copy and they said they could not produce it. I explained that I never authorized the closure of the account and that it could have a potential impact on my FICO score. 
Again, they said they would not produce the aforementioned letter with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on 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 explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, 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:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is Transunion and XXXX and I never gave consent to XXXX XXXX to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because XXXX has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.

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 2019-08-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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 explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: VA
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/2021 I wrote into each company detailing each misleading inaccurate items that are being falsely reported. As of today over 60 days later I have not received a response that the investigation has even begun. I also mentioned I was a victim of the Equifax data breach and I am just now being made aware. Now more than ever I feel my information was compromised in the breach. I demand these erroneous items be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to FDCPA 15 U.S.C 1692G and FDCPA 15 U.S. C 1692D., you are in violation of my consumer rights by furnishing this inaccuracy on on my consumer reports I am demanding this file be removed 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 2017-12-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and not only that I was a victim of the XXXX   data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. 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 2019-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
one of the people whXXXX XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to 1St  but still have not removed.

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 2023-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received my credit report from XXXX, Equifax, and XXXX after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called XXXX and was told to file a police report with my local police station.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the XXXX  and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to XXXX  but still have not removed.

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 2022-12-15
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: Information belongs to someone else

Complaint:
I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file ive noticed alot of invalid information that is hindering my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
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: Information belongs to someone else

Complaint:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.

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