BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: WA
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:
XX/XX/XXXX I reached out to my credit card company asking them WHAT is going on with my autopay because it kicked me off and caused me to have a late payment because my payment didn't go through in time and they were telling me that I was removed from autopay.. but I never got any notification.. by the time I got a letter in the mail to pay the bill it was too late and I was past due, so I went back and made sure that I'm on auto-pay AGAIN and it worked for one month and again the same thing happened.. it removed me from autopay and I get another late payment on my account, after all this happened I spent hours on the phone with the credit card company and they agreed to remove the late payments if I was on autopay for a year. a year goes by I reach out to them and get into an endless game of phone tag and no is willing on working with me. so I let it go for a few months and try again.. after a ton of phone calls to the credit card company in XXXX of XXXX I get on a phone with a lady and she tells me that they can't access anything that far away so there is nothing she can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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: Old information reappears or never goes away

Complaint:
There is an account now reporting with XXXX  XXXX  for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.

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 2019-02-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. On XX/XX/XXXX Experian denied me the ability to dispute inaccurate information on my credit report. In my complaint, I indicated that a collection item is appearing inaccurately on your credit report. I requested to have the item deleted from your report. Experian has claimed to have previously conduct a reinvestigation, and contacted the data furnisher ( s ) for the referenced item ( s ) and asked them to verify the accuracy of the information with which you disagree. Experian claims have gotten a response and verified that the disputed information was accurate as reported on XX/XX/XXXX. 

I have not been able to contact the data furnisher they have listed and neither has the CFPB. I have enclosed a copy of a complaint which says that XXXX is not listed and the collection company says they too do not have any account open in my name. 

Experian please explain how you are able to contact this data furnisher and myself and this goverment agency can not? This account is not valid and is not mine and should be removed immediately as required by the FCRA laws.

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 2022-10-01
Company: Experian Information Solutions 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:
*This item XXXX XXXX is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,

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 2019-12-21
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on my payments. I spoke to them to try to get arraignments set to get caught back up. They were very rude not wanting to work with me. I went ahead and started sending in money to try to get it caught up and they refused my payment and sent it back to me. They have contacted me at work and I explained I was not allowed to have phone calls at work. Since I have asked them to stop calling me at work they still do. If I answer they hang up with out saying anything. If a co worker answers and they transfer them to me as soon as I answer they hang up. On one occasion I was on the phone and my co worker answered and explained I was on the other line and asked to take a message. They gave there name and number and that they were calling with Kentucky Housing Corp. Now my coworker is wondering why they are calling me here at work. It was very embarrassing. Not sure how to get this to stop or how to try to get caught up if they are refusing to accept any of my payments I have tried to send in. I dread every time my phone rings at work thinking that it will be them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong 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
Consumer complaint received 2020-05-27
Company: Western-Shamrock Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX and 30 days late payment on the date XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Transunion XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX & XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-05-27
Company: Experian Information Solutions Inc.
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 XX/XX/2020, I wrong Experian a letter, stated to Update / Correct my information on my credit report and the letter was notarized and sent certified mail. 

On XX/XX/2020, I received a credit report from Experian, with someone else 's personal information. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself. 
I do on XX/XX/2020. I send out the document again. 

On XX/XX/2020, I send an Inquiry Removal Letters to Experian. I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Experian did not reply back to my XX/XX/2020 letter, that was sent certified mail. 

On XX/XX/2020, I send a Dispute / Complaint Department to Experian with proof of identity and certified mail. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I received the same letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Operating Officer. Expressing my issues and concerns in a certified letter. XXXX XXXX, never replies back to me. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Executive Officer. Again Expressing my issues and concerns in a certified letter and send proof of identity. XXXX XXXX, never replies back 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
Consumer complaint received 2019-02-26
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: Their investigation did not fix an error on your report

Complaint:
I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
My credit reports have two new accounts open that are not mine. My Social Security number has been compromised. XXXXXXXX XXXX and Discover are not mine. Please help. I do have a freeze put on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose

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 2018-12-05
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XX/XX/2018 Allied Collection phone XXXX XXXX is attempting to collect on a debt that Ive already satisfied/paid in full.

To Whom It May Concern : On XX/XX/2018 I paid {$520.00} to XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX and they emailed a confirmation of payment to me confirming same. 

Actions I have taken : I explained this to XXXX at Allied and have provided to him the email receipt from XXXX XXXX XXXX. 

On XX/XX/2018 I emailed proof debt paid in full along with XXXX   address and phone number and reference number to XXXX On XX/XX/2018 I called Allied said they didnt receive my email and asked me to email it again to them at XXXX Today, XX/XX/2018 XXXX from Allied called attempting to collect the debt. I told him Ive sent proof paid 2x and he said he hasnt received it and asked me to email proof paid to XXXX. 

I just spoke to XXXX at Allied and now he wants a bank statement from me showing the payment of {$520.00} clearing my account. 

Im uncomfortable with this request. 

Please advise. 

Thank you, 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 2019-02-26
Company: STERLING JEWELERS, INC.
State: NH
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 had an account with XXXX XXXX that became a charge off. In XXXX of 2018 I paid the charge off in full with the original creditor and was advised by the agent that it would reflect on credit as being a paid charge off. I have tried contacting the creditor and have filed multiple complaints with the 3 major credit reporting agencies ( XXXX, XXXX and XXXX ) with no luck on getting the information corrected. I have paid this and it should be reflected on my report that I have. As far as I am aware they are in vialation of the Fair Credit Reporting Act for every time they do not update the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted capital accounts about a medical collection that was on my credit report by an error. I provided statements where it showed the account was at a XXXX balance. I called them back to make sure they had received my documents and to make sure they will delete it off my credit. The agent was not able to help me and transferred me to a supervisor. The supervisor was very rude and condescending. I have never been treated and disrespected like this before. When I asked to speak with someone else he hung up the call. Please review the call and review the tone and language used to speak with me. He needs to be disciplined or terminated. Someone like him should not have any contact with consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My XX/XX/XXXX Total Student Loan debt in the amount of {$8500.00} owed to Sallie Mae, parent company on Navient, was discharged through Chapter XXXX Bankruptcy, In XX/XX/XXXX-XX/XX/XXXX Navient began to sending statements regarding this balance. They wanted me to begin making monthly payments. I did not believe I owed this debt since it was discharged in the bankruptcy, however I also did not believe I had any legal recourse or the funds to fight this in court, so I filed for forebearance and was approved in late XX/XX/XXXX. As of XX/XX/XXXX I am supposed ti begin repaying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: PA
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:
In brief, XXXX has run a credit report on me without my permission, knowledge or consent. 
I had an account with them until recently. I wanted to downgrade my services and move them,, as I moved houses recently. The representative decided to close my account and then open a new one for me. This required, according to the representative, a credit check. I refused since I was their customer until 2 minutes prior and I find this ridiculous. I said no thank you and left the store. 
A few days later I received in the mail a letter denying my request for an account because of my score! My score is actually in the high zone and so that was a lie. They provided several reasons, one of them that I do not have a SSN, the my credit history is too short and so on - reasons not grounded in reality. 
I tried to contact them, was promised a reply back and never heard anything. 
I find it outrageous that a company like that allows its employees to run credits reports without permission or reason.

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 2020-06-04
Company: Experian Information Solutions 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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-04
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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2019-02-26
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with KeyBank under promotion of {$300.00} cash offer with a condition that a direct deposit is made from an employer. Today, XX/XX/XXXX, I contacted KeyBank to check the status of the promotion after the direct deposit from my employer is made last Friday. They repeatedly say now they can't access promotions on their system. The call center rep keeps my call on hold for more than 45 mins, and does not transfer my call to her supervisor. 

By the time the call was transferred, I was informed that since the offer states they have until 90 days to push in the promotion, there's nothing they can do to act on it. We are talking about a bank that wouldn't hesitate to charge a fee a minute customer 's within fee charge schedule, but they would like to take their time when the situation is reversed.

Company response to consumer: Closed with explanation