BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.

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 2023-04-11
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the accuracy of my credit report. The following information is what I believe to be correct : Name : XXXX XXXX XXXX ( 15 U.S. Code 1681i ) Address : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX ( 15 U.S. Code 1681 ) Please delete any other personal identifiers that are not listed above and ensure that there is only one of each type of personal identifier on my credit report. I believe that this is required under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

I also reserve the right to seek remedy for any violations of my rights under the FCRA. If you can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.

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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have 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 non-monetary relief
Consumer complaint received 2018-04-06
Company: Nationwide Recovery Systems, Ltd
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. 
I visited Mt XXXX XXXX center on XX/XX/2015 to get stiches on my forehead in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, Nationwide recovery systems from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
my identity was stolen and i recently noticed fraudulent activity on my credit bureaus including 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 2021-09-21
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So on Saturday XX/XX/2021 at approximately XXXX am to XXXX I was doing online shopping on my XXXX XXXX app on my phone. I had added everything I decided purchase, and completed my order using my cash card from Cash App. I had already added their offered boost of {$100.00} off any purchase anywhere onto my cash card, specifically for this purchase, as I usually have big orders when ordering from this company. My grand total was {$150.00} and right away I had a notification pop up letting me know that the boost had saved me {$100.00} off my total purchase, and the initial charge was {$56.00} to my cash card. So the next day I go to transfer $ from my Cash App to my online games, and it said insufficient funds, so I checked my balance and activity, and all of a sudden, the {$100.00} was gone and the total purchase price went to {$130.00} so I contacted Cash App support. And it has been a nightmare since. Every time I send a message, a new agent joins and obviously doesnt read anything from the previous interactions. They keep giving me the run around, telling me that I didnt have the boost on my card, when I know XXXX well that I did. I have screenshots of all of my interactions with their support team agents, and I also have a downloaded PDF document of my transaction history with Cash App. And if you look at my statement, it clearly shows that I had some sort of boost on my cash card when I made the original transaction, because it shows a cash boost refund to my cash card. I literally am about to lose my mind with them. Theyre rude, they dont do their job, and this is now going to be a second time that Im being screwed by them. I just want them to stand by their advertisements about the boost. I want my {$100.00} back, I was saving that for dog food, and other necessary household items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
FAIR COLLECTION AND OUT ( I assuming its a collection agency ) call me several times to collect the amount of {$2400.00} and {$500.00} claiming that I owe that money to XXXX XXXX XXXX XXXX locate at the state of Virginia and I explain a thousand times that I never live in Virginia State, every time that they call they try to collect my information with the excuse to verified my information but I never give to then. 

I don't Know how I can stop this collections ... they also report to my Credit and its affecting me big time, they don't want to hear what I said when I explain that its a Fraud and they still calling me and reporting to all credit boar. 

Please How can I stop this FRAUD on my Credit Report?

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 2022-08-07
Company: EQUIFAX, 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:
I requested a document with my handwritten signature to verify that this account is mine ; none was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Experian has account reported as late payment when account is not correct late. 
XXXX XXXX credit card reported XXXX and late payment while amount XXXX and correctly correct

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 2018-08-22
Company: Atlantic Credit & Finance, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
these animals keep calling me from this company Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX phone i woe nothing to nobody and they are annoying me and i am also on do not call list, so please please stop these animals

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 2021-09-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was in agreement for a product for a XXXX  company I work for. The merchant didnt provide the agreed product but indicated fees associated. After sending the fees and funds, I asked for my money back. The individual mentioned it was all a scam and money was sent to other using emails and account information. I attempted to reach out to Chase to support in retrieving information on the recipients for a pending lawsuit or to retrieve the money back. 

On XX/XX/XXXX two scam transactions occurred, one for {$800.00} and another for {$1200.00}. XX/XX/XXXX : one for {$1200.00} abs another for {$1000.00} occurred. 
XX/XX/XXXX : Two transactions one for {$2000.00} and another for {$1000.00}. As well as another for {$1000.00} occurred. Ive reached out to me bank to inform them of the fake business and transactions that occurred. I attempted to open a case and Chase denied it. I mentioned proof that another vendor, XXXX, confirmed this business was a fake business. In addition to hiring a private investigator. Yet, they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
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: Information belongs to someone else

Complaint:
I found a fraudulent account on XX/XX/XXXX, for XXXX XXXX  XXXX XXXX XXXX. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my Experian credit monitoring that Experian dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by XXXX until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX employee and have to maintain good credit. This could negatively impact my job. XXXX has not responded at all, and I have two other XXXX accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and XXXX  as well as the credit bureaus should be held accountable for their actions.

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 2022-01-02
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 XXXX XXXX XXXX acquired a loan on a home from XXXX XXXX  and the loan was immediately sold off to a company called home point financial as I entered forbearance program as soon as I exit forbearance I am told if I make 3 payments on time in full they would reduce my mortgage payment in the same month I am exiting the forbearance program the loan was sold again to a company called freedom mortgage canceling the agreement to make payments on time to reduce my mortgage.

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 2019-11-10
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased our home XXXX with XXXX XXXX XXXX with a 30 year mortgage. 
We refinanced out home in XXXX with XXXX XXXX with a 15 year mortgage ( 180 months ). 
It was then sold or transferred to Option One Mortgage Co. in XXXX ( showing a 30 year mortgage? How can his be? We never signed off on loan in the amount of {$100000.00} and in looking at the HUD its shows that they paid a company the amount of {$270.00}. No way would we have refinanced for this amount.THIS is where the problem started.The loan # XXXX It was the sold or transferred to Ocwen XXXX account # XXXX, this company name changed to Homeward Residential Account # XXXX. 
The next company was sold to XXXX XX/XX/XXXX ( now XXXX XXXX as of XX/XX/XXXX, the account # with XXXX was XXXX. 
This was a constant flip flop.I see individuals account go into a bucket and companies just grab. Well with all of this I decided to refi with XXXX XXXX Account # XXXX XX/XX/XXXX. By now You know what happened? Oh yes it is now back with XXXX as of XX/XX/XXXX Account # XXXX. 
The next question you are asking is what have we been doing to straightened this out? 
We have been with 4 Attorneys to no avail. The most resent Attorney says the unable to verify whether our signatures were duplicated and referred me to you. So I guess this is the last result.I have sent letters to all involved. No response from XXXX.The ones received are attatched.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Experian Information Solutions Inc.
State: CT
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:
Since XX/XX/2019, I found there are two XXXX XXXX XXXX credit cards accounts on my Experian credit report that don't belong to me, under an address I have never lived at. I have since disputed with Experian. Called them numerous times that they always come back saying information is accurate on their end, and wouldn't remove the accounts or address. I contacted XXXX  XXXX XXXX numerous times. They couldn't find the two accounts under my information. They sent me a letter to confirm it. I sent the letter to Experian and continued to dispute the two accounts. They still come back with results saying the two accounts were confirmed to be mine. 

On XX/XX/2019, I filed report with local police. The detective is working on the matter for me. He told me also file a complaint here.

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 2019-11-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency XXXX. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a chronic illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Capital One send me Capias Arrest Notice on XX/XX/2019 although I have payment agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.

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 2019-11-10
Company: First Advantage LNS Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I checked my credit score and it was down, so i logged into my XXXX  account. There was a pull on my credit from a company named resident data financial llc out of XXXX texas. The address on XXXX was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have attempted to call and contact online but they have no website and the phone number isnt valid

Company response to consumer: Closed with explanation