BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: VA
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:
There is a collection account on my Equifax report from fair collections. This was previously disputed and removed from my credit and has now reappeared. The account was paid and was never late. Equifax refused to remove it before so I reported them to the CFPB. They then removed it but now it appears again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Credit Karma, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
according to credit karma i9 have been requesting a soft credit report every other day. i have not. i have closed the XXXX email associated with the account but it is still active

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber Home Loans added a separate, completely unrelated, parcel number to my account and demands that I put into my escrow that property 's taxes, in addition my own. They have used my escrow to pay the taxes for both homes. They state that I owe over {$5600.00} for the other property. This is completely false. I noticed this two weeks  ago. 
Their tax department is " researching '' while their mortgage department has increased my monthly mortgage from about {$1200.00} to over $ 2,300/month. The tax department and the mortgage department do not communicate. 
The mortgage department is aware of the tax issues but refuses to keep my original mortgage payment active until this is resolved. I have continued to pay my regular mortgage amount. This, according to them, has put me in arrears on my mortgage payment, and they send me debt collection letters, plus their debt collectors call me several times a day. They state that I owe over {$3000.00} in unpaid mortgage bills. 
Their customer service department stated today ( XX/XX/18 ) that they will not fix my credit, which is now ruined due to their mistakes, they will not refund the added fees I have accumulated, and they refuse to remove the unpaid ( completely false ) mortgage amount from my account. 
My county 's auditor has confirmed that the parcel added to my account does not belong to me, has never been listed under my name, and they stated that my own taxes have actually decreased. 
I am currently trying to fix this issue and have done so for over two weeks. Caliber Home Loans have been less than helpful, and is, frankly, completely incompetent when it comes to this matter. 
I have contacted the XXXX, my original mortgage broker has never seen anything this messed up in her entire career ( she is currently involved ), and will contact the Texas State banking division.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-02-04
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed filed via us mail on XX/XX/XXXX, disputed opened with XXXX  XXXX. Included in the dispute is a collection account with ICSystem. I also mailed a dispute with ICSystem onXXXX. ICSystem never validated account, and it was deleted by XXXX and XXXX, XXXX refuses to delete. They completed their investigation on XX/XX/XXXX, and continue to report inaccurate information on my report regarding iCSystem as well as other accounts including XXXX XXXX, which should not be listed on my credit report, & Enhanced Recovery, ( whom I've also contacted directly to dispute via US certified mail, and did not receive a response ).

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 2023-08-10
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: Personal information incorrect

Complaint:
My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be 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 2020-09-23
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I contacted Americollect about a debt via certified mail. The debt in question is reported twice on my credit report in the amount of XXXX $ opened on XXXX XXXX. I never received notice of this debt, and it is being reported on my credit report. I have written the company for validation of this debt and the company never responded. It has been 30 plus days since contacting the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: VA
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:
1. MOHELAXXXX did not count my temporary waiver application by saying I was not full time and another time saying I was in forbearance which my lender in XXXX told me to take instead of XXXX which would have counted my low payments since I made 60-65 % of a salary as a resident. The dates I applied were XX/XX/XXXX. That should have given me 12 more payments since graduating PT school I would have started right away knowing the benefit. 

2. MOHELA did not save the update I put in for my payments for auto debit and I had to do manual 5 days late realizing their error and tried to update but said it would take 10 days to update direct withdrawal. Odd since all my banks can process new accounts1-5 business days. 

3. MOHELA changed my payments multiple times which made no sense and no info on how my loans for undergrad and grad would be calculated to adjust for the SAVE program. 

I have called multiple times, but as a PT in a nonprofit I can not wait more than 45 minutes on hold, even though once I did for 1.25 minutes on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling and harassing me. I have absolutely no valid outstanding debt ( s ) within the past seven ( 7 ) years that has not been paid or disputed and deleted on my credit profile ( s ). When this company calls, they are rude, will not advise why they're calling or who they represent. I ask that this company seize all communication attempts to me. They have called me six ( 6 ) times in the past 30 days and they have no valid reason to be contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NC
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 is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2015-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I figured out what has happened with one part of the alleged fraud on my American Express Account. Iemailed and faxed the information to Amex, but Icannot upload the supporting information becausethey closed the inquiry just days after I made thecomplaint. They also closed down my account aday before payment was made in full because of mydispute and out of retaliation, and now I cannotupload the evidence I found to the dispute center, and it will not allow me to re-open this additional. 
dispute, which is actually XXXX disputes. The lettersand information I am attaching proves what I amalleging as to how this part of the fraud more thanlikely occurred, but Amex refuses to listen to me orinvestigate and retaliated by closing an accountpaid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: Scratch Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Scratch Services , Inc., a 'Notice of Default and demand for Payment '. This was supposedly about an XXXX XXXX # XXXX for {$10000.00}. The loan was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX. This was the first notification I have received about this SBA loan, from anyone. I never applied for or received any funds from this loan. An SBA OIG complaint has also been filed. Complaint ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Avant Holding Company, Inc.
State: NC
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 Made a payment on XX/XX/XXXX of XXXX My payment of XXXX was not due until XX/XX/XXXX. The payment is not getting credited to my minimum due but to my balance. I am being charged a late fee of XXXX dollars every month even though I have made my payment early. The same thing happened in XXXX I made a payment of XXXX on XXXX for my XXXX statement. My minimum due was XXXX on XX/XX/XXXX again I was charged a leat fee of XXXX even though I paid it early. I believe this has go on since I opened the account however with paperless statements, they only have XXXX stat ent available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: MD
Product: Credit reporting 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:
XXXX and MOHELA are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( MOHELA ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud MOHELA has continued to very to XXXX and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XXXX And MOHELA record shows {$0.00}. balance. 
Report NumberXXXX Date Generated XX/XX/XXXX Before After MOHELA/DEPT OF ED ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name MOHELA/DEPT OF ED Account numberXXXX Account type Education Responsibility Individual Date openedXXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as : MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX  Account type Education

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Account Number : 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 2023-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I got a letter from XXXX saying they need more info. I never filled out for XXXX XXXX This is fraud!

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 2020-01-10
Company: EQUIFAX, 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 status incorrect

Complaint:
STATUS REPORTING DELIQ 120 DAYS AND OPEN INSTALLMENT SHOULD REFLECT REPOSSESSION EFFECTIVE DATE XXXX. 
XXXX I purchased a vehicle from XXXX XXXX XXXX. XXXX XXXX XXXX confirmed verbally XX/XX/2020 the Repossession XXXX XXXX. I never received the Repossession documents they stated were mailed out XXXX. XX/XX/2020 I requested a copy from XXXX the XXXX XXXX, he stated the company would not provided copies to me. I asked XXXX if there was a 3rd party I needed to retain to request a copy of the documents and he stated no the company would not document the repossession date. I asked why they would improperly report the repossessed account as an open installment account since XXXX and not update to document the breach of the loan and the repossession completion back in XXXX and he stated they can report recent late payments and report the account as an open installment that they are not required to report the repossession occurrence in XXXX. After filing multiple disputes with Equifax the reporting credit agency I finally spoke w a Manager MsXXXX XXXX Employer ID # XXXX who stated to me on a recorded line Greater Financial Resources is being disputed for inaccurate reporting and remove the 120 and 180 day recent late payments between XXXX and XXXX and update the status to reflect the repossession date of XXXX. Ms. XXXX stated XXXX XXXX XXXX response to their dispute on my behalf should reflect accurately once the company complies but however based on the companies multiple disputes received that they have yet to comply with I should report them to CFPB and file a formal complaint about this companies reporting practices. I have filed many CFPB complaints against the company since the start of the new year out of my pure exhaustion of receiving no help with this companies inaccurate reporting for 3 years and 11 months next month will make 4 years. Equifax recommended I file this complaint against the XXXX XXXX XXXX  for assistance in having this companies credit reporting practices investigated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: The Law Offices of Gerald E Moore & Associates, PC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved into a house with my wife XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owed {$620.00} to my old apartment complex XXXX  XXXX  XXXX  Apartments. This letter was sent from a debt collector. The letter from the debt collector did not indicate what it was for. Having no idea what this collection was for, I called my old apartment complex to figure why I owed them money. I logged onto XXXX to look at the account. I noticed it had been open since XX/XX/XXXX. It's been 7 months since this account has been open and this is the first time I am receiving any notice about it. 

I have changed my phone number and address since I first left, so I'm sure it took awhile for the company to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Earlier this year the student loan amount was lowered and my credit score has yet to be reflected on that new low amount and I would like to have that updated it has been over 6 months

Company response to consumer: Closed with explanation