BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/ XXXX XXXX XXXX XXXX Inquiry Date 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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA is in direct violation of several consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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:
This has been the second time Ive tried disputing a closed account. Ive paid this account in full and its been almost a month now.

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 2018-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was struggling to pay my mortgage. I have XXXX children and I encountered some difficulty with one of my kids who did not initially want to sign the modification documents. However the issues were resolved and the documents were signed and submitted. I continued to make my payments and did not miss any payment. I was advised that every effort would be made to reinstall the Modification, however I was recently informed that the modification was denied. I would like to keep my home and would like this matter to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSWORLD SYSTEMS INC
State: PA
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/XXXX I pull my credit report and found out that Transworld System : TSI/XXXX/ ORIGINAL CREDITOR : XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The Transworld System has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 
2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax received my dispute on XX/XX/2018, ( see attached return receipt ), per tracking. I requested that Equifax delete the also known as XXXX XXXX XXXX as well as multiple addresses that are obsolete or I have never resided. See attached dispute letter that was sent as a SECOND NOTICE to Equifax in XX/XX/2018. They reflected several inaccurate accounts as well. To date, Equifax has not responded to my 2nd request nor has any of the inaccurate information been removed. I have proof that Equifax is in receipt of the dispute as of XX/XX/XXXX and opted to not respond to my dispute. This inaccurate reporting is unethical and violated my rights under the FCRA. 

The medical bill that is reflected has no company name, address, or any company information so that I could communicate with the company reporting. This reporting continually compromises my credit health and should not be on my report. Since Equifax has failed to respond within the 30 days as required and this is well over 60 days and I have not received a response from them, the entries reflected on the dispute letter included should be deleted from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2018-08-28
Company: EQUIFAX, INC.
State: HI
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:
Equifax has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXXXXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for an American Express XXXX XXXX XXXX ( XXXX ) credit card that was supposed to come with a XXXX XXXX point sign up bonus. I applied 6 months ago and met the terms for the sign up bonus about 5 months ago. I have still not received the points. I have called several times ; the last time I was told the points would be expedited to my account the next business day. A month later, I still do not have them. I have not been able to book planned vacations using the points on both the XXXX XXXX  XXXX and XXXX XXXX because they have not come through yet. American Express simply says they are aware of the issue but they can not give me a resolution date. Now I am turning to the CFPB for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: Navient Solutions, LLC.
State: NV
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:
My student loans that I pay {$290.00} per month for are currently {$62000.00} which they have remained steadily for at least the past year. The company states paying {$290.00} per month of the loan will result in it costing me {$120000.00} overall. I have not missed a payment in years yet it grows higher and higher. The applied my entire last years payments to interest only ( without giving me any option ) and continued to compound interest of my FELP loans as well as my subsidized and unsubsidized. I have been on autopayment for 2 years in order to get an interest reduction but was penalized when I cancelled it for one month. I am not on the lowest plan and in fact am on the middle of 5 plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2023-06-17
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement from old apartment center XXXX for due of XXXX $ upon contesting XXXX $ of the charges were dropped & I made a reminder of the payment for XXXX . IQ SENT the reminder as a due to my credit report and upon disputing and raising it on my CFPB it was pulled off. Now in retaliation they sent a new letter for XXXX $ ( ref number XXXX ) without any supporting documentation from original creditor showing what the charges are for. Since IQ has all my information they are going the route of intimidation by sending debt collection notices for a debt not owed. 

IQ never sent me the receipt for the XXXX $ I made even after repeated attempts asking for the receipt and I never got a XXXX dollar statement from IQ for the reference letter XXXX. They are causing me extreme stress with these false debt collection notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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 received my investigation back and you stated you completed a fair investigation. You also said these accounts are 100 % accurate. 



But can you please answer this one question? How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report : Did you interview my neighbors? 



Did you interview my friends? 



Who did you talk to? 



One more thing can you please tell me how everything is 100 % present and accurate if the account number, Date opened, payment status, creditor type, and date last active on these accounts are not reporting the same information? 



You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my report I listed : Account name - XXXX XXXX Account number - XXXX Account name - XXXX Account number - XXXX Account number - XXXX Delete these accounts immediately or you will be held responsible for XXXX per violation. Send me an updated credit report with the accounts permanently deleted

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 2018-07-19
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had procedure with XXXX XXXX. Started receiving bill from company, then a collection company. Was making payments, then received a bill from Frost-Arnett. When I contacted Frost-Arnett, I  was told they were the new collection company and payments had to be made to them. They collected around {$150.00}. Then I received a letter from original company inquiring why I had not made any payments. When I called the anesthesia office, they explained that Frost-Arnett was not their collection company and had no connection to my debt. When I contacted Frost-Arnett, no one ever called me back and never received any refund. 
It has been almost two years and Frost-Arnett started sending collections again. This is after the bill has been paid. 
They are a scam and should not be allowed to say they are representing companies when they just take your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Fay Servicing, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made multiple attempts to attain a valid breakdown of the fees charged with the attempted foreclosure of my home. I was provided with a list from the XXXX representing the lender, and there are over {$5000.00} dollars in fees that simply say XXXX fees. There are also over {$5000.00} in legal fees in addition to breaking down inspection and title search fees. I have been looking for information as to what they are allowed to charge for, and what they are allowed to charge. I keep finding information that says they may charge reasonable fees, and I find it difficult to believe that {$5000.00} is reasonable for fees that they are not providing any valid purpose of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is misleading, fraudulent and unconstitutional the promissory notes allegedly signed by me is null and void because the notes was used to create the Credit or money on its own books bookeeping entry therefore no lawful consideration was given. There is no united states law or statue that gives XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to do so. therefore the agreement is null and void, attempting to collect is usury because no consideration was given. Reporting these accounts to my credit file is extortion and blackmail and is a violation of federal law. Lastly I never was given a true bill these persons never verified under oath I owe a debt therefore I order the said persons to cease and desist from all communication including the credit reporting agencies. And remove and block the fraudulent accounts from my credit file.FTC IDENTITY THEFT AFFIDAVIT IS ATTACHED

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

In regards to Public Record U.S. Bankruptcy Court ( reference # XXXX ). 

In addition, the court has stated, " The United States bankruptcy court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumer files. '' Therefore this information has not been verified for accuracy and does not belong to 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 2017-09-21
Company: Consumer Adjustment Company Incorporated
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical collection on my credit reports. I do not recall ever going to XXXX XXXX XXXX. I want this medical collection removed from my report. I 'm getting denied credit and is because of this.

Company response to consumer: Closed with non-monetary relief