BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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:
A recent dispute for inaccurate information by a furnisher XXXX XXXX results stated it was certified as accurate and remains unchanged on my consumer report. I have disputed this account with you and the furnisher multiple time and yet it remains unchanged and inaccurate. I have provide documentation that shows the information been furnished is in fact inaccurate, such as the payment history, actual balance, date of account closure and account status. I DEMAND THIS ACCOUNT BE REMOVED FROM MY CONSUMER REPORT as I have dispute this account multiple time to correct the inaccuracy and and you have failed to do so. PLEASE REMOVED THIS ACCOUNT FROM MY 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 2023-08-08
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened my email this morning XXXX an seen there was a account opened from Frost Bank which I don't open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an alert in 2017 that there was a collections on my credit report. Ive disputed this several times and have requested debt validation and all that they send me is an invoice from XXXX for {$96.00} with my name but an address which is incorrect. This isnt mine and the collection agency has failed to demonstrate that this specific debt belongs to me to collect on that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent credit card was opened in my name. I did not authorize this account. I would like this account to 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 2021-10-29
Company: EQUIFAX, INC.
State: LA
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:
Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current situation is causing me a great deal of distress and 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 2022-09-22
Company: Experian Information Solutions Inc.
State: KY
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 a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( IAW ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Incorrect Inquiries : XXXX XXXX ( 2 ), XXXX XXXX  XXXX. Incorrect Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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 an account without my written instructions. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not accurate.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account with  XXXX   XXXX   XXXX  in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with  XXXX ,  XXXX , and Transunion.   XXXX  I wrote  XXXX   XXXX   XXXX  in   XX/XX/XXXX  but  have not received 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXXXXXX, and XXXX This has caused me great XXXX stress, and financial hardship.

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 2021-10-29
Company: EQUIFAX, INC.
State: TN
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:
THESE CREDIT INQUIRYS ARE LISTED ON MY CREDIT REPORTS THAT I NEVER AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
According to Equifax, my personal information was accessed by an unknown third party in the security breach that occurred on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The homeowner was approved for Maryland Homeowners Assistance Fund ( MDHAF ) assistance sufficient to cure the entire default with PHH Mortgage in XX/XX/2022. This payment was sent to them via certified mail and they signed for it, but they still have not found it. A copy of the HAF award letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/22, my account was charged a {$25.00} maintenance fee by TD Bank. In XXXX, I maintained a balance over {$2500.00}. On XX/XX/22, my balance was {$3700.00}. On XXXX, I got an official check in the amount of {$1200.00} to pay my XXXX rent. Leaving me with a balance of {$2500.00}. On XX/XX/22, I was charged a maintenance fee of {$25.00}. I should NOT have been charged a {$25.00} maintenance fee because my account was not below {$2500.00}. It was {$2500.00}. I did not withdraw any additional money after I got my official check to pay my rent on XX/XX/22. In XXXX, I was charged a maintenance fee because my account fell below {$2500.00}. That was NOT the case in XXXX. I want the maintenance fee that they took in XXXX to be credited back to my account. My current account balance is {$2500.00}. It should be {$2500.00}. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13
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: Public record information inaccurate

Complaint:
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit 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 explanation
Consumer complaint received 2018-02-07
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: Account status incorrect

Complaint:
I obtained a XXXX XXXX in early XX/XX/XXXX. I called at the beginning of XX/XX/XXXX to report my card had been stolen. I called within the required time frame and I was told by the company that they would send me an affidavit to fill out, notarize, and send in. Since then, I called three more times to express my disappointment in not receiving the affidavit and in fact, receiving continued bill notifications and a late fee instead. I made a payment of {$80.00} only because the service representative said it was necessary due to the yearly fee of {$75.00}. Both representatives during two calls indicated that the late fees would be waived. After that payment, I received another notice of a supposed late payment and the company 's possible intention of sending me to collections. In XX/XX/XXXX, I received an email stating that my bill was ready to view online, but since I reported the stolen card, I have not been able to access my account online. Since then, I received another notice that my account was past due. And now the company, XXXX XXXX, that controls this credit card, has reported me to the credit bureaus with claims of late payments on a stolen card. 
Yet, I have still not received the affidavit form. I have every intention of filling it out to dispute the charges made, as specified in my first two, now three calls. I do not intend on making payments on the account based upon these charges. I do not understand why it seems your agency is so readily able to send me bills and late charge notices, but can not get me the required affidavit to pursue the disputed charges. Now my credit has been very negatively affected.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2021-11-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These companies are harassing me reporting information incorrectly to the credit bureaus I have not done business with them National credit systems XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I was laid off from my XXXX XXXX due to economic downsizing. Despite applying for countless jobs, no one wanted to hire a XXXX  woman and so after my child was born I ended up claiming unemployment for a short while. I continued interviewing, to no avail over the next six months. I also CONTINUED to pay on my student loans during this time, and for another two years after losing my job by taking money out of my IRA. Realizing we couldn't afford the $ XXXX/yr fees associated with XXXX children in daycare, I became a XXXX XXXX. Navient allowed me to defer my loan for unemployment and financial hardship a few times but after XXXX XXXX XXXX XXXX and having regular income, albeit a small amount, I tried to apply for income based repayment plans so I could stop racking interest and fees associated with continued deferrals, defaults and forbearances. EVERY SINGLE application for IBR was either denied or resulted in a LARGER payment than I was already making - meanwhile my income is a measly fraction of what it was when previously employed full time. According to Navient, my household income is accounted for when establishing these numbers ; understood. The problem with our household income is that we still can not pay our bills in full ( which I provided three years of our own budget tracking spreadsheets as proof ) AND the latest IBR repayment values they issued on XX/XX/XXXX are hilariously ridiculous. They are as follows : 9 payments of {$480.00}, 122 payments of {$820.00} < -- -- -- please note this!!! 
2 payments of {$350.00}, 4 payments of {$340.00}. 

WE CAN NOT AFFORD THE PREVIOUS PAYMENT OF $ XXXX/mo anymore and there is no way we can afford the aforementioned  payment schedule. 

I need some help here. My loans have exploded in value because of all the deferrals, and forbearances and my credit has plummeted due to the defaults. I WANT to make a payment that we CAN afford, but clearly Navient doesn't want to help me do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX 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 2019-11-13
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is the 3rd attempt now to have this resolved. XXXX XXXX said I owe {$2000.00} but couldn't prove the account is mine or even that I opened it. They claim it was opened online so no signature, proof of contract, no copy of identification and any way to prove it was mine just a former address. Now they are passing me off to a lawyer office for payment on an account I do not owe on. They have to prove they are reporting 100 % accuracy which they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief