BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX which according to Experian was opened on XX/XX/XXXX. Also, XXXX in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.

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 2017-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2017 - {$1.00} was charged to my closed credit card account When my account was requested to be closed over 3 months ago, BofA did not monitor fraudulent deposit going into my closed account for 3 months and they did not send me my final bill.

In a letter over 30 days ago, BofA stated that they will not assess any fees to my closed account till all the fraudulent deposit was reversed/expensed out and they will provide me a final bill. Then on XX/XX/2017, they went back and charged me a {$1.00} late fee and went back on their word.

The problem was BofA did not give me a final bill because there were over {$10000.00} of fraudulent credit going into my account, while they were reversing the money laudering credit with the use of my closed credit card account ... they never send me a bill saying how much I was to pay, I made assumptions the last month and mail some money in, then a statement showed up now that I still owed

{$50.00}, off course, if that 's the final bill to end this fiasco, I had made an immediate overpayment with the {$1.00} minimum interest charge included. But please, as my 3rd CFPB complaint, send me my {$1.00} for screwing with me!! ... of which {$1.00} divided by {$48.00} x 12 months = 37 % annualized interests being charged ... BofA are crooks!!!

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 monetary relief
Consumer complaint received 2021-05-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ou are in direct violation of several sections of 15 USC 1681. 

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. 

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/2017 AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$62.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I signed up for Automatic payments to be paid with my checking account with Freedom mortgage and gave my banking information and was told I was approved of that payment method. Then I find out that according to Freedom mortgage I was a month behind on several monthly payments. That although my mortgage was being deducted monthly that I was behind a month. My payments were taken out on the XXXX of every month, but they told me they had to report me as being late. I tried resolving this with them, Freedom Mortgage but got nowhere. Then Covid hit and I signed up for forbearance to protect myself. To make this short and brief I was unknowingly put into a class action lawsuit and was awarded a miniscule amount of money they were charging EVERYONE who was either slow or Late. My credit is exceptionally good at XXXX. This mix-up is hurting my score from being higher. I've NEVER not payed my monthly mortgage since I bought this home in XXXX. In fact when Freedom mortgage bought my mortgage from my 1st mortgage company, that 1st company told Freedom I had no homeowners insurance and Freedom mortgage Automatically " signed me up for homeowners insurance that cost me an EXTRA {$500.00} For XX/XX/XXXX and an EXTRA {$500.00} for XX/XX/XXXX. I was out {$1000.00} and couldn't buy XXXX gifts or home heating oil. When I questioned and complained Freedom mortgage didn't care. Needless to say I was put into ANOTHER class action lawsuit against my first mortgage company XXXX XXXX because of " THEIR '' shady practices of screwing homeowners. I'm a 100 % XXXX veteran who is tired of losing money to both FREEDOM MORTGAGE & XXXX XXXX  COMPANIES. ENOUGH IS ENOUGH. I want to be made whole by Freedom mortgage and those 2 so called " LATE '' payments taken OFF my credit report. Please help me resolve this. All it would take is an " HONEST '' and understanding individual to make things FAIR & RIGHT. THANK YOU, SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX. Cell # 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 2017-10-27
Company: EQUIFAX, INC.
State: GA
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:
Hi I have been trying to call Equifax numerous times after reviewing my credit report and noticed several even duplicate credit inquires on my report. I get a very rude representative telling my there is nothing they can do! even after this big breach i have been getting more inquires that i never did. I called back again to speak with someone and nothing. I have sent letters to all 44 companies and have not gotten anything back form them and its been well past 45 days. I do n't think its right that our information was stolen and now we have to pay for it. I even put a fraud alert on my account to prevent this form happening. And I can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate calls multiple times a day, and leaves no messages. They are just calling to harass me.

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 2021-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to EQUIFAX and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a balance transfer to send XXXX from my Barclay credit card to my XXXX XXXX XXXX equity line of credit on XXXX. It is now XXXX and I still have not received the balance transfer and every time I call they say they will investigate and refuse to send any proof that the balance transfer was processed. XXXX XXXX has asked for proof several times either a transmittal number or a cashed check. Barclay has not sent anything.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to ask that you assist with the deletion of all unauthorized inquiries, derogatory remarks, and closed accounts, also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resolution. I sent the attached letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response to my request. Prior to my letter your office confirmed my identity with the attached documents and informed me that the information was returned to you verified. Upon receipt of your attached noticed, I kindly asked that you provided the method in which you used to verify the inaccurate information located in my credit file. I received a response from your office informing me that you believed I was not the individual making the request and would not investigate further after you had already been in correspondence with me on this matter. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. The accounts that are being requested to be removed are as follows : XXXX. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information 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 2020-04-25
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Hunter Warfield collects the money for The XXXX at XXXX XXXX. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. 
The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/19. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/19. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/19. The XXXX Landlord forced me to move out for their repair on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: HOVG, LLC
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: Investigation took more than 30 days

Complaint:
I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: One Source Technology
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have NEVER used the last names, XXXX or XXXX. I have ALWAYS used the last name XXXX. Please discontinue listing XXXX and XXXX as names I have used. I never had any ID or documents using the last names XXXX or XXXX. My driver 's license and passport have always listed me as XXXX. For every job and credit, I have used XXXX. 

In XXXX my traffic speeding ticket was listed as a TRAFFIC VIOLATION REPORT. 
Why is this listed in XXXX AND XXXX as a XXXX  REPORT? This overstates and alarms people. Can you reflect this is a XXXX VIOLATION? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
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 just reviewed my credit report and noticed several errors reporting on my 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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 completed and delivered a hand written direct dispute to Transunion credit bureau on XX/XX/2021. In said letter, I informed Transunion that I would not accept their generic E-OSCAR system for a response. Low and behold, I received a generic response. Transunion understands they must send any documentation that will support what debt they have found to be accurate. I was not given any documents. Only the paper from Transunion that says the debt has been verified. Subsequently, I still have three items on my credit report that didnt get removed. Automatically, with me being XXXX XXXX that is the response they give us which is biased.

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 2019-10-02
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: Information belongs to someone else

Complaint:
I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX  XXXX. DPT EDXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 just reviewed my credit report and noticed several errors reporting on my 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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I have disputed with Transunion more than twice already regarding every single student loanXXXX account they have on my report. XXXX  has absolutely ZERO student loan accts on my report. I provided proof of such and requested that due to this discrepancy it needs deleted off my report-they refuse to. I also provided proof of reporting discrepancies with XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX as all of those are listed on my Transunion report but either they're removed off my XXXX or the information has discrepancies-they still won't remove them. They're in violation of the law and the Credit Reporting Act and I need them to IMMEDIATELY remove all of those accounts for the erroneous information. I have provided proof of everything on my XXXX report to you all. I have provided this same information to Transunion yet they are ignoring it and stating that these erroneous accounts are verified. I also requested signature PROOF of these accounts being verified and they have failed to provide me that via mail, also. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE IT'S CAUSING ME TO NOT HAVE GREAT CREDIT WHEN IN FACT I REALLY SHOULD.

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 2017-10-27
Company: SECURITY CREDIT SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Early Warning is lying in their reply to my complaints. 
They have obeyed the law, blocked the item as required, then broken the law by reinserting the item WITHOUT the authority of the law. 
The info is coming from the bank, XXXX. They are in cahoots with each other. 
Early Warning is the CRA, they report the info XXXX gives them. I, as the consumer, can provide 4 documents to the CRA and by law, the CRA must block to items I identify in 4 business days or less. 
Early Warning has done this multiple times. 
Now the law, section 605B of the FCRA allows the CRA to reinsert the item if 1 of 3 criteria is proven. 
1. Asked block was in error. 
2. Material misstatement of fact by consumers. 
3. Proof that the consumer received goods or services from the blocked item. 

These are the ONLY 3 reasons a block can be lifted. 
NONE of those 3 exist. All 3 are not true. How does Early Warning add the blocked item back onto my file with them? They break the law blatantly then call my complaints frivolous. If they are true and backed by the police findings and law, how can my complaint be frivolous?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 tried numerous times to get inquiries removed that are not mine or not authorized by me an di keep getting the run around from transunion. I have called all inquiry that show on my report that arent mine and they will still not do anything and transunion will not either.

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