BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit score and  these line items need to be removed 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 explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Early Warning Services, LLC
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: Problem with personal statement of dispute

Complaint:
I was a victim of a scam, they offered me a job and also they hacked my email. My first problem was with XXXX XXXX, and also then XXXX XXXX XXXX. I have the complaint submitted to the police, the evidence and everything proving that I was a victim indeed. I didn't use any money or anything. Also I can't open a bank account and have a normal life for many years now. I need to fix this. The company is giving me vague answers and no help at all. Early warning is the reason I can't have a bank account like a normal human being, it's stressing and extremely upsetting at this point. Because they never seem to help out or have real responses over the phone or by mail. I want to be able to open a bank account, I was a victim of scam and hacking more than 3 times, money was removed from my other accounts many times and also I have this heavy load of not being able to open a bank account with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent letters to Equifax, XXXX and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im about to change my phone number, however, there are criminals copying my phone number of XXXX XXXX XXXX XXXX and XXXX XXXX. They are using my Wells Credit card and checking account. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are using my credit cards and banking accounts illegally. 
There also people copying my number trying to ruin my bank accounts. My balance last statement was {$2500.00} and I made a payment for {$74.00}, they rejected the payment, however, they allowed me to use the card. They gave me a confirmation of a valid payment. I only made two purchases after XX/XX/2021. If I pay them the minimum of {$74.00}, I, I should not be over the credit limit. The balance should be around {$2400.00}. If you add XXXX, my balance last statement, plus charges for XXXX at XXXX, plus, XXXX ( XXXX ), plus {$29.00} ( late fee ) then the balance adds to around {$2600.00}. Now if they would have accepted my payment of {$74.00}, then my balance would have been XXXX XXXX. This is well below the limit. They gave me a a confirmation number for my payment which was XXXX. They are XXXX at this company and they reversed my payment and, now, they are trying to charge me double. I never missed a payment. Why do I owe {$120.00} next month in XXXX? 
They are allowing criminals like XXXX XXXX and XXXX XXXX to use my card. They need to be fired. I also believe that the ceo of XXXX, XXXX, XXXX, XXXX and XXXX are trying to ruin my accounts. I am going to have the FBI or other agencies investigate them. Basically, I should only owe them {$74.00}. He is XXXX and reversed my payment ruining my account.

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 2022-09-01
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage co. is Freedom mortgage, I had forbearance program, after that I had 3 trial payments in XXXX, XXXX, and XXXX of XXXX  with an interest rate of 3.125 % I paid everything on time, in XX/XX/2022 they sent me loan modification documents, right before that my last name was changed from XXXX to XXXX, I contact the company in that regards and they told me to send the name change documents and they will change the name, I email the documents in XXXX XXXX since that time I talked to so many people at Freedom mortgage asking about my updated documents, everyone tells me something different, one person tells me not to pay after the trial and wait, and the other person tells me NO, keep paying your mortgage and I did, I call every 2 weeks or once a month whatever they tell me when to call asking about the documents. ( please see the calls log and comments ) and I requested a list from the company for all the call logs, you also could listen to all the calls because they were recorded by the company. Now they sent me new documents with an interest rate of 4.875 % I can't pay that much and I want to keep my home for me, my wife, and our XXXX children XXXX XXXX XXXX XXXX XXXX 
I need your help, I could afford the old payments of {$2700.00} but I will have a very hard time paying the new payments of {$3100.00}. it took Freedom mortgage over 4 months to send me the documents, and now they changed my interest rate. I have so many companies that called me to refinance with a very low-interest rate but told them I'm happy with my company and I have a 3.125 % interest rate. I am asking you and freedom mortgage to honor the 3.125 % because it was their fault for taking that long. 
Thank you, 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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX Inquiry date : XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Experian and XXXX are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit scorXXXX and these line items need to be removed 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 2022-01-11
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: NC
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:
On XX/XX/XXXX I called Edfinancial to request a refund of payments I made on my account since XXXX of XXXX [ XXXX ]. I was immediately told it would take 5 to 7 months to get done and so what did I want to do? I asked why it would take that long. They had no information to offer and seemed to want me to say that I didnt want to go through the process. I said that I did. I was asked a few questions. Then I asked about confirmation that the request had been submitted and was told there was absolutely no way they could give that to me. I asked that at least an email be sent to me confirming that this conversation actually took place. The customer service agent said there was no way they could do that. I asked that they please double check. I was put on hold and then eventually told that there was nothing they could send me. At all. So I was supposed to just trust that 5 to 7 months from now a deposit would be made into my checking account and what if the request were to be lost? 

I then mentioned that I needed to change my last name on my account [ marriage ] and was told that they could send me an email with instructions on how to do that. Why can an email easily be sent about how to change your name but its impossible to send an email confirmation that a refund request has been made? Their current practices seem unreasonable, potentially illegal, and intentionally designed to dissuade people from requesting refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, XXXX and transunion have yet to remove these files from My credit report and update my credit report promptly. IT has been XXXX  months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


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 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
Consumer complaint received 2021-04-20
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating I owed a debt for XXXX. When I called they said I could resolve it at a discount for {$230.00}. I paid that debt as they had alll my XXXX information and said they were XXXX. They even were able to show my charges on my XXXX account. So I believed them. Come to find out, my account was never resolved. I only owed XXXX {$12.00} which they say has never been paid. I was scammed from a debt collection company and they falsely represented themselves while also having all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Sale of account

Complaint:
This is in regards to a credit card account from 17 years ago that is now ( in the last couple of months ) being used by a XXXX/XXXX, as assignee of XXXX, assignee of Bank of America, in an attempt to garnish my wages for {$18000.00}. This debt has not been reported for the last 16 years and I have been unaware of it, thus unable to address it. My credit card was stolen and I thought my account was closed - This should be in the Bank of America Records. I also have had 2 accounts with Bank of America since XXXX and have never been notified of any issues. However what I know now after researching, that the account was actually charged and sold though I was making payments on the remain balance in XXXX, then a couple months later Bank of America filed a court case against me ( in XXXX ) in XXXX. However when I contacted Bank of America ( even today XXXX ), recovery department is saying they never filed against me and the account has a XXXX balance. Furthermore there are several other issues regarding this situation including Bank of America 's association with XXXX who filed hundreds of thousands of fraudulent lawsuits on behalf of Bank of America - " Operating Automated Debt-Collection Lawsuit Factory ''. XXXX who have been investigated for embezzling more than {$1.00} XXXX from XXXX. And now a XXXX ( aka XXXX or XXXX ) who have been sitting on the debt and/or going against the Fair Credit Reporting Act which provides the right for me as a consumer to have my credit information to be correct, and also trying to collect debt greater than owed. I would appreciate Bank of America 's help in notify, intervene, and rectify the issue with XXXX/XXXX who is using Bank of America 's mistakes against 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 2022-09-01
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-04-17
Company: CITIBANK, N.A.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, I purchased a XXXX queen-sized mattress from Macy 's in the XXXX in XXXX, VA for {$1500.00}. This purchase was part of a special promotion that was interest-free for 24 months. However, in my XX/XX/XXXX statement, Macy 's charged me {$31.00} in interest. I contacted Macy 's consumer line ( XXXX ) to bring this to their attention, and was informed that this was an error and that it would be corrected and the {$31.00} would be credited to my account. I received a letter from Macy 's dated XX/XX/XXXX also noting this. 

Unfortunately, when I received the statement for the XX/XX/XXXX payment, I noticed that not only had the {$31.00} not been credited, but I was still being charged interest, this time in the amount of {$28.00}. On XX/XX/XXXX, I again contacted Macy 's on the phone and was told that this would be corrected. I spoke with " XXXX '' ( id # XXXX ) and was again assured that the wrongly charged interest, now in the amount of {$60.00}, would be credited to my account and that interest would no longer be charged. 

I am now contacting you in the hope that you can help with this matter, and I do not have confidence in Macy 's accurately fixing my account and refunding me the money it has erroneously charged 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 monetary relief
Consumer complaint received 2022-09-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 via certified mail with return receipt, I sent a debt validation letter which also included cease all contact. Per USPS the letter was delivered on XX/XX/2021 at XXXX to the front desk/reception/mail room. On XX/XX/2021 XXXX and XXXX XXXX in XXXX, IL contacted me at XXXX pm and then hung up. I called back and spoke with Mrs. XXXX, asked why were they contacting me and I have sent a letter stating to cease all contact and to validate the debt, Ms. XXXX states she can add me to the do not call list but that they do not go thru letters. I hung up with Ms. XXXX and called back, the next representative I did not catch her name, but this rep instead of addressing my concerns and ignoring what I was saying continued on about paying the balance, I proceeded to stop this representative and advised that this is not what I was calling about and that she was ignoring what the initial call was in regards to. The rep stated they have not received any letter, I advised that the letter was delivered to their offices on XX/XX/2021 at XXXX. I hung after I did not get anywhere with this rep as all she kept stating was they did not receive a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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:
I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion are REFUSING to re-report a credit card that was removed in error from my credit report. My bank ( XXXX ) has made repeated attempts to have this credit card re-reported by Transunion, however, they are refusing to re-add the account. XXXX has called Transunion to discuss this problem but Transunion are still refusing to add the account in question. The removal of this account from my Transunion credit report has resulted in my credit score dropping from XXXX down to XXXX. This low score has resulted in my application for loans and credit cards to be denied. If this issue is not rectified I will be seeking legal advise and pursuing damages against Transunion.

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