BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: DC
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX

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 2017-11-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had received a letter in the mail on XXXX XXXX,2017 and it stated that Equifax had suffered a data breach. And that they understand there is a possibility that my personal information might have been exposed. So it said to go to the www.equifaxsecurity2017.comXXXX to determine if I have been potentially affected and to sign up for credit file monitoring and identity theft protection. So I went to that website and it says that yes your personal information has been exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have attached Equifax 's response to my complaint filed with CFPB.Gov XX/XX/2014 regarding XXXX XXXX XXXX, and you will see in the attached documentation Equifax deleted the account from my credit file after their investigation, however they have now improperly reinserted it. Equifax has violated the FCRA by reinserting this account improperly. No notice was ever sent to me to tell me they had any intentions on reinserting the fraudulent information as they are required to do as a matter of law. The account number for XXXX XXXX XXXX is XXXX and you will find they have improperly reinserted this. <P/>I am providing Equifax 's original response stating they deleted the account to prove this is an improper reinsertion. I have contacted Equifax by phone, fax and certified mail to have this corrected and removed from my credit file, but Equifax refuses to remove this improperly reinserted informaiton.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: OH
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 have been a victim of identity theft. My information was involved in the Equifax Data Breach and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: AR
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 was trying to pull my credit report, and it no shows that it can not be calculated. just last week I had a credit score. The company is playing games that are causing mental and emotional stress. I was also notified by the XXXX that they was unable to pull my report, but just last week I had a credit score. It is labeled Exhibit 6 in my court documents. I demand that the company furnish the supporting documents and probable evidence that I have a obligation to the accounts that I disputed. This whole situation is bad and this company is willfully negligent in rectifying my affairs and defaming my character.

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 2017-07-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told American Express do not settle debt. Therefore, I am not disputing my balance with AMEX. I am willing to pay what I owe to them. <P/>I was summons to court by XXXX XXXX XXXX, XXXX. regarding the {$3200.00} past due balance I owe AMEX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told XXXX entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with AMEX or XXXX collection department to make a {$300.00} payment on-demand and recurring $ XXXX monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called XXXX XXXX XXXX office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. XXXX 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by XXXX XXXX XXXX. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. XXXX another cost of XXXX in addition to the $ XXXX monthly installment agreement between XXXX XXXX XXXX staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay AMEX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects XXXX 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in XXXX 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-07-10
Company: PARKS TITLE COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To ; XXXX XXXX President, Parks Title Co. XXXX XXXX XXXX XXXX XXXX Attn : Claim Dept XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : COMPLAINT ( PLEASE FORWARD PROOF OF THE SALE TO CFPB ) I file a complaint with your company CFPB # XXXX and it were handled by XXXX XXXX she provided new details from the years XX/XX/XXXX-XX/XX/XXXX then I were told that you were not involved with the transaction at XXXX XXXX XXXX then she indicated you did so conduct the transaction on XXXX XXXX and his daughter XXXX XXXX fronting as his wife on covenant deed. You recently contacted me to file an complaint and informed me to file a complaint with your insurance company listed above and provided claim # MI XXXX, PARKS FILE # XXXX I mailed it out. You recently told me on the phone that no correct XXXX XXXX claim that you conducted the sale but that you done the title work, THATS IT. <P/>I informed you that XXXX XXXX add more fraud in XXXX with Step Forward Michigan a Government Agency and are under investigation complaint XXXX and that the case with XXXX XXXX were published XX/XX/XXXX on reference to a trust account from the risk management dept with the OCC # XXXX and provided you additional documetation, the bottom line XXXX XXXX scammed me out of the house you mail me a letter dated XX/XX/XXXX in the letter you state it was determined that nothing was done wrong in the foreclosure of his mortgage but, with XXXX XXXX there are no legal transaction on record. Please work with the CFPB let it be if XXXX XXXX to XXXX XXXX XXXX got a mortgage or any transaction that taken place that nothing was done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Duncan Solutions, lnc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX keeps calling and leaving a message at my mothers number stating she owes money. It is a recorded call and never uses a name of who owes the money. My mother has a clean credit record and does not owe anything. They call daily. I will not allow her to call back. The number they give is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and BK OF AMER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
They are not providing proper verification as well as deleting the false information that does not belong to me. FALSE ACCOUNTS : account number:XXXX account name : XXXX XXXX XXXX Account name : 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 explanation
Consumer complaint received 2019-02-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It seems like the card is damaged or is not completely activated. When I first called in about the problem the rep started laughing at me and I didn't respond well to that. I am very upset I needed a cab yesterday and the cab company 's website said the 3 digit security code was invalid. I called back and spoke to another rep and she said I had to register the card online but when I tried doing this on my own, their website also showed an error saying the 3 digit security code was invalid and that the card itself was not valid. The rep sent me a link today XX/XX/2019 and said she had to make some changes for the card on her end, so it wasn't until then I was finally able to register the card. I logged in but as part of logging in you have to enter the 4 digit security code that's on the front of card and now it's saying that this number is also invalid. So this will be my third time today calling back after I was told the card would absolutely work correctly now. Photos attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: PNC Bank N.A.
State: OH
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:
Hello, PNC Bank : XXXX # XXXX ; XXXX  # XXXX ; XXXX # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX//2019 A LETTER was sent to me in response to a dispute of Validation of Debt. 
XXXX XXXX XXXX HOSPITAL Willingly sent my medical records to a 3rd party collection agency. 
IT AGAINST HIPPA LAWS to willingly share patient medical records in an attempt to collect a debt.

Furthermore, the medical records were sent WITHOUT A SIGNED HIPPA RELEASE FORM.

This is in violation of HIPPA as well as in violation of the FDCPA, in regards to the collection agency, XXXX XXXX, sending my medical records through the mail. 
I AM MORTIFIED! that something like this has even taken place. This is a breach in doctor/ patient confidentially. 
As well as a derogatory attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Cooling & Winter LLC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I demand that the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with XXXX XXXX XXXX, XXXX. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, XXXX  XXXX XXXX, XXXX. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to COOLING & WINTER LLC. Yet the name of XXXX  XXXX XXXX, XXXX. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.

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 2019-02-11
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid XXXX on XX/XX/2019 my loan modification person XXXX XXXX will not answer or schedule a time with me the payment was made thru XXXX XXXX ive faxed them proof i did it to where it went directly to them. They leave me on hold and tell me it will take five days my demand letter expires on XX/XX/2019. Mr XXXX told me friday to make two payments to get back to 90 days ive paid almos 3 payments on the XXXX ill make the payment for the XXXXdollars which puts me at two months behind along with the fact that XXXX will also be paid on XXXX. XXXX that leaves me owing XX/XX/2019 2019

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) 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 2021-10-10
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I utilized services at the University of Maryland XXXX XXXX XX/XX/XXXX, and promptly paid all fees as I received them. 
In XX/XX/XXXX, I was shocked to suddenly find a collection notice on my credit report from American Collections Enterprise , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. This notice was for an amount of {$200.00}, for which I have never received any notification from the University of XXXX XXXX XXXX stating that I was owing them. 

I reached out to American Collections Enterprise , Inc. via a letter dated XX/XX/XXXX, requesting validation of the debt, I got an inadequate response from them via a letter dated XX/XX/XXXX stating that the University of Maryland Faculty Physicians had provided information to clarify my indebtedness. 

As there was no viable evidence showing that this debt is being reported accurately, I wrote a second letter to the debt collection agency asking for this evidence. I am yet to get a response from them to my second letter. In the mean time even though they have reported it as disputed to the credit bureaus, I still have this derogatory collection listed on my credit report and affecting my credit scores.

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 2019-06-02
Company: V and H Portfolio
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have continuously contacted XXXX  as well as Vance & Huffman about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to Vance & Huffman in XXXX of XXXX. I have contacted Vance. & Huffman as well as XXXX to advise them of incorrect credit reporting since Vance & Huffman is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.

Company response to consumer: Closed with non-monetary relief