BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX } REMOVED/DELETE from my Transunion Credit Report -- SEE ATTACHED . Additionally, this INACCURATE Credit Card Account information is also being reported on my XXXX and XXXX Reports. I have disputed it numerous times with ALL THREE Credit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX ; but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting assistance with a collection agency out of XXXX, AL, Merchants Adjustment Services, who has refused to send me information regarding an alleged debt and has refused to mark this debt as disputed, despite multiple requests to do so. 
Towards the beginning of XXXX I started to get calls on my personal cell phone from a number my phone listed as " spam ''. As per all spam calls, I ignored them. No voicemails were left. One day I recognized the spam number as a repetitive caller, so I answered. The person on the other end had incredibly broken XXXX ( I work for a government call center. We have foreign callers often. That being said, I was STILL struggling to understand this person on the line. They sounded XXXX, which further supported my assumption this was spam ). The person on the line said something to the effect of " This is ( unintelligible ) with ( unintelligible ), trying to collect a debt of ( unintelligible ) from you. How would you like to pay today? '' I responded, " I'm sorry, WHO is this? You're with WHO? ". Again, his response was unintelligible. I truly could not tell you the caller 's name or the company he worked for- incredibly broken English. This communication effort violated Code 12 CFR 1006.34, which states that oral disclosures must be given at a volume and speed sufficient for the consumer to hear and comprehend them. A reverse phone number lookup on the website indicated the phone number was tied to Merchants Adjustment Services. However, to my knowledge, I owe no debts. I hung up the phone and blocked the spam number. 
I assumed that matter was settled. However, in XXXX of XXXX I checked my credit report and noticed a negative account. I've never had a negative account on my credit report before. " Merchants Adj Service- {$570.00} '' was the delinquent activity. I immediately wrote the company a written request for more information, as well as the specific request to classify the debt as " disputed '' by myself. I received a written response from the company a few days later, within the time frame allotted by the US Code. The written response ( attached ) was incredibly insufficient and hardly contained any of the information about the debt I requested. I specifically requested a copy of the bill I signed, because the {$570.00} procedure in question I do not even remember taking place. My second letter was received by the company via certified mail on XX/XX/2023 and as of XX/XX/2023 I have not received a response. Additionally, as of XX/XX/2023 my debt is still listed as " negative '' rather than " in dispute '', which is actively harming my credit score and affecting my purchasing abilities. This is a direct violation of Code 12 CFR 1006.38.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, someone used my credit card to purchased something name : XXXX which I did not authorized. I lived in XXXX, Texas and I got hit by the storm, no electricity and water for a week during XXXX. Our pipe were burst, leaking everywhere so I do not have time to check my credit card account. Here are all of the charges : XX/XX/XXXX - {$8.00}, XXXX $ XXXX XXXX {$9.00} XXXX XXXX {$8.00} XXXX XXXX {$43.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$210.00}, {$130.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$260.00}, {$860.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$130.00}, {$86.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$390.00}, {$210.00} I spoke to the representative since the credit Chase gave me was reverse. He told me that he submitted for reinvestigate. There are no way I could spend this much of money during pandemic and after the storm for something. XXXX XXXX  representative told me to investigate on my end. I XXXX  and emailed XXXX  to verify but they couldn't verify because I told them I did not authorize. They told me my credit card information are stolen for the purchases. I will attached the email for you guys. They even told me the product of the scam was some kind of game. I need your help. I do not event have the much of money in my account to pay for it, why would i done something like this to go to debt and hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 2019-03-04
Company: MicroBilt / PRBC (formerly CL Verify)
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:
It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my XXXX XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his XXXX XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my XXXX XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: CT
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.

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 2021-05-06
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I sent my disputes on inaccurate and accounts that don't belong to me. Its been over 60 days. I know the bureaus have at least 60 days for a response or accounts will be deleted. I demand this to be deleted. THIS IS ME SENDING THIS DISPUTE NOT A THIRD PARTY

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 2019-03-04
Company: WELLS FARGO & COMPANY
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:
It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires

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 2023-03-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax will not remove tge in accurate reporting of my permanently discharged federal student loan. It says open with a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: SC
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:
As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for XXXX to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.

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 2019-03-04
Company: Experian Information Solutions Inc.
State: MO
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 called Experian twice to report over 40 mistakes on my report, from incorrect addresses, social security numbers, names and collection accounts and only 5 of my disputes where processed. The second time I called was to complain that the gentleman I first spoke with didn't include all of the mistakes, I was on the phone over an hour and she did nothing to try to help me correct my credit report, even though she kept asking " And your next dispute? ''

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 2022-10-26
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
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 did a dispute of inaccurate information that is reported on my credit file. On XX/XX/XXXX, XXXX XXXX Account number XXXX was listed on my credit file. I disputed and it was under investigation. After investigation, Equifax removed it from my file on or around XX/XX/XXXX. On XX/XX/XXXX Equifax placed it back on my credit file. This needs to be removed immediately from my file. I have attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX, and Experian all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.

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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On two consecutive days, XX/XX/XXXX and XX/XX/XXXX ( 2017 ), I tried using the TransUnion online and then the TransUnion phone response systems to freeze my credit. After correctly inputting my personal identification online, TransUnion could not " confirm my identity '' and directed me to use its automated phone system. I tried using the phone system but I got cut off after the outgoing message stated it could not confirm my identity. I correctly answered the questions. As indicated, I went through the process twice. I called TransUnion, waited 35 minutes, and spoke to a representative. She acknowledged that yes, I might get cutoff but I had to use a different TransUnion number. She gave me the number and transferred me to the number - XXXX. I got cutoff after I was transferred and again after I dialed the number directly.

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 2018-10-18
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX, I found out that I was a " Cosigner '' on my daughter 's student loan when it was in default. 
I asked many times for the original loan documentation, as I did not sign anything for her loans. They reply with information on Identity theft, and referred me to the fraud department. 
As I have not seen anything, at all, of the original loan documents I have no way to determine anything. Meanwhile, I was receiving over seven calls a day ( documented ) telling me I was in default. I would call back each time and ask they stop calling me, and informed them I had paid the past due amount. They called for approximately 9 days after I had paid. 
I also took a huge hit on my credit, and still had no knowledge or information on this loan. I paid the past due amounts to save my credit, and am making payments I can not afford, and still after two written letters have had no response from XXXX XXXX regarding the documents I may ( or may not have signed ). I was told the only address was to the fraud department. They replied with instructions on how to file a police report on my daughter. But nothing on the loan, no supporting documentation on the loan, and nothing I had signed ... 
She does have student loans, and all are cosigned by her father, who has an income. I was, at the time, a housewife, barely making minimum wage. I am now employed, but the loan 's payment is almost half my salary. I have no knowledge of this loan, no answers from XXXX XXXX, and am paying just to keep my good credit - which has been hurt by late payments on a loan I have no knowledge of, nor have seen any papers showing I co signed anything? 
How can I be basically blackmailed to make payments on something they refuse to prove I signed? 
I have also asked for some sort of repayment plan or reduction in payments - and am told the only thing I can do is pay {$150.00} for a month deferment, while interest is compounding and nothing is accomplished. Additionally, the interest rate is 11.6 % and keeps going up. The loan was reported to be for {$30000.00}. They now claim I owe {$53000.00}. I'm XXXX years old. I could never pay this in my lifetime ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a dent on my credit reports for Calvary portfolio that I do not owe, I have disputed numerous times and contacted them numerous times for them to provide proof that this is my debt, however I have yet to receive any documents or a resolution. they continue to increase the balance owed every month on my report and no one will tell me anything about this debt

Company response to consumer: Closed with non-monetary relief