BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


CHILD SUPPORT ENFORCEM Account # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1980 ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL 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 2017-11-14
Company: EQUIFAX, INC.
State: MI
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:
Gentlemen - I recently received a letter from XXXX dated XXXX XXXX 2017, stating that Equifax had suffered a data breach, and that XXXX was working with Equifax to learn more about the event. I have been encouraged to take several actions of which I have done, in addition to which is file a complaint with the Federal Trade Commission. I was told in this letter that you maintain a database that law enforcement agencies use for investigations and that filing a complaint will help you better assist me should I become a victim of identity theft. 

As a consumer I can not express my outrage strongly enough at the lack of responsibility Equifax has shown in this failure to safeguard and protect my personal information. As much as I despise the power which has become inherent in the credit monitoring and reporting system, I have played by the " rules '' and have established an impeccable reputation which now is threatened through no fault of my own. This is inexcusable and infuriating! 

Please place my information into your database so that, should I fall prey to these evil perpetrators, I might be able to take advantage proactively of any restorative services you make available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the 2nd complaint about a debt that was paid in full in 2006. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in 2006. It is now 19-20 years later and the new collection corporation Goldsmith and Hull, http : //www.goldsmithcalaw.com XXXX is attempting to collect on a debt that is no longer owed, and not valid : completely unlawful. In addition, a representative name XXXX contacted me on my work phone, at a XXXX XXXX, identifying the company as Goldman and Hall and threatening that the Sheriff would serve me wage garnishment orders. The previous Law Corporation :  XXXX and XXXX, that had this record has already advised that there would be no further contact with regards to this account and no further collection activity and that the case has been closed by their office and the matter has been deemed resolved. Yet here is another " law office '' attempting collection activity on the same debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
HARD INQUIRIES FROM THE FOLLOWING COMPANIES ARE REPORTING ON MY CREDIT REPORT, AND I DON'T RECOGNIZE. PLEASE DELETE THE FOLLOWING ; XXXX  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 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 explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Arkansas State apparently initiated a tax lien against me for tax year XX/XX/XXXX. I was told by two government officials that since I filed my taxes from an Arkansas address inXX/XX/XXXX, they assumed I owed Arkansas tax for XX/XX/XXXX but I did n't live nor work in Arkansas in XX/XX/XXXX. I wrote the governor and got notice that the lien was released but it 's still on my credit report, making my score in the " poor '' range.
<P/>
I disputed it with one of the credit reporting agencies but they said it was being reported correctly so they could not remove it.
<P/>
I never owed the tax so the entry should be vacated, removed from my credit report.
<P/>
I contacted XXXX  County ( Arkansas ) and they said I had to contact the State. I contacted the State and they said they are not the ones to remove it. I have no idea how to get this removed.
<P/> XXXX County Court {$8200.00}. Filed XX/XX/XXXX, Released XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX.
<P/>
Bad enough they took 5 years to actually report it making it harder to document the issue. The IRS has my XXXX and can plainly see I did n't work in Arkansas. How does one prove one did NOT live somewhere? Like I can get a copy of my lease from ( now ) 10 years ago?
<P/>
I want to buy a house but it 's impossible with this incorrect tax lien on 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 2019-10-17
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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX Account # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  SEC # XXXX DOB XX/XX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Debt Recovery Solutions, LLC
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: Account information incorrect

Complaint:
I sent a debt validation letter to debt recovery solutions llc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, In return I received a letter from ( drs ) with the alleged amount owned and the original creditor name. Which is not validation i owe this debt. Fdcpa requires verification of an alleged debt. proper validation should be in the form of documentation from the original creditor, not the debt collector. Documentation can be account statements from the original creditor, payment history from the original creditor etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX. XXXX during the process of buying a house I wrote check # XXXX to XXXX XXXX for {$50.00}. This check was never cashed. I have been showing it outstanding since then. I have been balancing my check book each week due to all of the auto drafts that come out of my account. Since that date I have always had to show this check as outstanding in order to balance. 

On XX/XX/XXXX. XXXX, My {$50.00} OUTSTANDING MONEY WAS GONE. I could no longer balance my check book since the money was no longer in my account. If I added it back into my account as an outstanding check I no longer balanced. I was then over {$50.00}. 

I called the bank Capitol One customer service on XX/XX/XXXX. XXXX and spoke with some lady for about 30 minutes. She could not understand that the money should still be there and she could not explain to me where my {$50.00} dollars had gone. 
I then requested to speak to her supervisor and she switched me over. After about 10 minutes he didn't seem too concerned and he could not tell me where my money was at either. When money comes up missing that is THEFT to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting 2 account that are over 7 years, account needs to be deleted. the account is XXXX XXXX and XXXX XXXX. XXXX XXXX isXXXX XXXX XXXX XXXX XXXX, IL-XXXX ( XXXX ) XXXX they are lying about date of last activity, they say it takes 10 years for a credit account to be removed, this account is over 7 years, All people there ca n't talk English and know nothing about credit. This needs to stop. The people there are unknowledgeable, unwilling to help, and rude. Equifax iis very slow to act, web site is terrible. This problem should be brought to someone 's attention. Disgraceful as a CRA can get.Same problem with ed financial, this account was cancelled due to XXXX of borrower, its in their cancellation clause. But Equifax always says that verified, wrong look it up if borrower is declared XXXX, loan is cancelled. This was the case. Company policy states this, Equifax wo n't take the time to review

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attempted to refinance 4 out 8 of of my highest interest rate loans with My Fedloan on XX/XX/2019. After noticing that the refinance payments had been incorrectly applied to the wrong loans, I called a first time on XX/XX/2019 to have this corrected. The first customer service representative told me that the payments would be reapplied correctly in 1-2 weeks and recommended that I continue to make my regular payments. After checking back, the refinance payments were never reapplied so I called for a second time on XX/XX/2019. I spoke with a RUDE and condescending customer service rep who spoke over me, did not listen to my issue, and told me repeatedly it was my own fault that the loan refinance payments were reapplied incorrectly. I was then told that the entire refinance amount would need to be mailed back in check form to me- directly. At this time I asked to speak with upper management and was redirected to another associate. The next woman assured me that the refinance amount would, in fact, NOT be sent back to me in check form and the payments would be corrected in 3-5 business days. Throughout this process I have been making regular payments on all loans ( including the loans that should've been paid off ). I was assured by XXXX, that there would be an excess of payment after the refinance payments were corrected and that this would be redistributed to my account in order to avoid delinquency. It is now XX/XX/2019 and my account is '28 days delinquent '. While the refinance payments have been corrected, the over payment is not being applied to current loans. I have called XXXX XXXX numerous times with no response, and the customer service representatives at MyFedLoan have told me that the over payments are being refunded in check form instead of being applied back to the account. I'm extremely disgusted to experience my student loan debt be handled by such a disorganized and inept service provider. A word of advice for those looking to fund necessary education for their future- avoid myfedloan.org at all cost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had couple salesmen come to the door and pressure me into having a new roof insulation and solar panels..   They were such nice young men that I went forward with the plan. Had the new roof put on insulation plus radiant barrier. I waited about 2 months and I woke up about the {$44000.00}. dollar decision I made. I got cold feet and backed off after paying th  em {$11000.00}.
But they may have pulled out {$15000.00}. from the Synchrony Financial because they keep billing me, calling me. I keep telling Synchrony I do   n't owe them that money.   I have paid bank stubs and can prove I paid {$11000.00}. for roof and insulation.   The {$15000.00}. shows on my credit report and has ruined my credit.   I want it off. I have spoken to the young men but it means nothing to them.   I wonder how many more old folks they took advantage of.

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 2019-10-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinancing process on XX/XX/2019 with Freedom Mortgage. This company is also my mortgage. I have been on time with payments for more than a year. I was told by XXXX XXXX that it was going to be smooth process since I have my mortgage with them. In this process I was told by XXXX not to worry to pay the house for the month of XX/XX/XXXX and XX/XX/2019. Which it was convenient to invest for some things on the house. On the closing appointment the representative did not show up and I called them and they said that I need to make XX/XX/XXXX payment and I explain to them regarding the email that I was told not to pay XX/XX/XXXX and plus I have invested the money already and that issue will cause to make my payment late, so they gave me to XX/XX/XXXX to complete XX/XX/XXXXpayment and any fees so I try many attemps to communicate with XXXX or any other person to help me understand all the confusion that they are putting me through why so many changes and why was not even told anything about any changes.Even though I did made my XX/XX/XXXX payment on XX/XX/XXXX and I send emails to let them know that I was ready to schedule the closing appointment again. So I was early 1 week prior to the deadline and when I call Freedom tells me that my refinancing is close and they could not do anything about it I explain to the person that I have a letter that states deadline is XX/XX/XXXX and why do they close it way before the deadline .Daniel refuse to take any of my calls and responding to my emails and I try to speak to a supervisor as well very unprofessional never return my email or a phone call. I need it to get my payment lower ..so I can afford my childrens house and all since XX/XX/XXXX I was lied and nothing was done I did everything I was ask to do so I am very confused and upset to why Freedom mortgage did this to me. I have been a good costumer all this time and now I am very disappointed with this refinancing process. This process got me to get behind in my mortgage for XX/XX/XXXX and XX/XX/XXXX because I have put my trust in them. I do feel ignored and discriminated and very disappointing with their honesty. Freedom Mortgage did not follow the Department of Housing refinancing guidelines.

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 2022-01-08
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: Problem with personal statement of dispute

Complaint:
As of XX/XX/2021 to present an Ive attempted to have A Closed Account displaying damaging, derogatory, and negative information removed from XXXX and Transunion. This same closed account has been removed from XXXX. Under the law A Closed Account can not contain negative or damaging information, The Account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and noticed that this collection agency is listed on my credit report. I first disputed this account with the credit bureau because I do n't recall signing any contract with this company. But when the credit bureau claim to have verified this I called them asking to send me all documents they have used to verify this alleged account in which they have failed to do so I send Kansas counselor a letter certified with return receipt in which they are still reporting on my credit report without proper validation showing competent evidence bearing my signature showing that I have some contractual obligation to pay them. I refuse to receive a itemized bill and suggest that they provide any documents that grants them authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Also since this is a medical account I requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief