BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to you with great urgency and concern regarding the fraudulent items that persist on my credit report. I have identified these inaccuracies, and I insist on their immediate removal to protect my financial reputation and well-being. 

The fraudulent items on my credit report are causing significant harm to my financial life. They have negatively impacted my credit score and have made it difficult for me to access loans, credit cards, and other financial services. This situation is not only unjust but also jeopardizes my financial stability.

I demand the following actions be taken immediately : A thorough and unbiased investigation of the fraudulent items in question.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be addressed urgently and professionally. It is my right as a consumer to have an accurate and fair representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence to support my claim and assist in the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove these fraud items in my credit file : 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 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 2019-04-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to XXXX XXXX in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. Equifax and XXXX   keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why XXXX and Equifax are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that Equifax and XXXX remove this fraudulent debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a physical therapist. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ XXXX. The XXXX other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX Bank XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an XXXX of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NV
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 have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me XXXX is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that XXXX asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with XXXX and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.

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 2017-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Chase contacted a family member through a phone number listed on my XXXX account. Chase claimed the number is on file in my account information that 's a lie. I asked Chase how they acquired the phone number and the woman said we did n't do anything illegal. " That number is listed on your account file ''. That number has always been used by my brother. Chase obtained that number through deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I started an account with XXXX in order to begin my credit repair journey, they dispute collection accounts on your behalf.They sent my initial dispute on the validity of this alleged debt to XXXX XXXX XXXX I received a letter ( attached ) from XXXX   XXXX XXXX on XX/XX/XXXX, with no proper validation listed. I then sent my second written request for validation via USPS Certified Mail ( # XXXX ) on XX/XX/XXXX. Delivery confirmation was sent to me on XX/XX/XXXX. I have yet to receive any further correspondence with XXXX and it has now been more than the necessary 30 days.

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX. ) Receive a notice on from Bank of America on XX/XX/2023 stating that corporate the credit line for XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX was reduced to {$1000.00}. The reason given in the letter was that there were one of more trades on record that were not paid as agreed. The ratio of recent balances to historical use is too high. As the church 's authorized purchaser, I called to inquire about the reason for the decrease and was told that information was received from the business credit reporting agency XXXX XXXX XXXX. A church authorized representative contacted XXXX on XX/XX/2023 and they said there was no report on file and no profile available with the church 's EIN and name. Afterwards Bank of America suggested that the church request business credit reports from each of the XXXX credit bureaus. The church obtained reports from XXXX and XXXX which showed no outstanding balances and confirmed that we have a low-risk credit rating. We further contacted XXXX XXXX XXXX to request a XXXX business credit report, and based on our XXXX 's number we received the same results.

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 2021-11-20
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage company, Mr. Cooper, contacted us ( numerous times ) to let us know that due to COVID hardship ( my self-employed business significantly declined ), we would qualify for a " deferral program '' for XXXX  months. We were supposed to begin making our mortgage payment on XX/XX/2021, however they would not let me because they said they we should never have been accepted into the deferral program because we were a few months behind on our mortgage payments when COVID started. We were told that it was their ( Mr. Cooper 's ) unfortunate mistake that we were allowed to be put into this deferral program, however they could not do anything about it. After a few weeks, we were finally put in touch with a loss mitigation officer ( XXXXXXXX XXXX XXXX at Mr. Cooper and she said she would put a request in to see if Mr. Cooper would allow us to be placed in the deferral program. After XXXX  days, she called back and said that they declined our request to be put in deferral. Interestingly, she mentioned that if we paid the {$6000.00} in back payments ( approximate ) she could put that request through again because we would be up to date on payments. We asked if that would guarantee that we would be accepted into the deferral program and she said " no ''. We contacted an attorney, who advised us to NOT pay them the {$6000.00}, unless we had a guarantee. We would never have agreed to go into deferral if we knew that Mr. Cooper was just going to try to foreclose on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: PENTAGON FEDERAL CREDIT UNION
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 filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with pentagon and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police 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 2021-11-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been through it with this company. On XX/XX/XXXX I got an alert to my phone that advised fraudulent activity. On XXXX Bluebirds rep advised I would have my card within XXXX business days. WELP, here we are XX/XX/XXXX evening time and still no card. To add a few insults to injury, Ive talked to 12 reps and 1 supervisor " XXXX '' who is off shore and lacks empathy or customer service skills. These genius 's not only did not send me a card but messed up my address so my employer advised the direct deposit rejected. Not only until I called ( after many attempts and having to have my sister use her account info and call on XXXX way to get a rep ) they claimed there was an issue with my address being formatted and its been corrected... Still no debit card!! I have called every day 3-4 times a day since then. These reps tell me oh your card wasnt sent until the 12 then another says oh no no no it was mailed on the XXXX. The biggest slap in my face is 4 days ago a rep had the nerve to tell me they could only expedite my card if I FOOTED the {$25.00} bill to send it. After multiple reps overlooked that my address wasnt formatted ( Their verbiage ). Oh theres more! I get the so called supervisor XXXX from off shore who continued to talk over me, repeatedly advised My card was sent on XXXX then XX/XX/XXXX like the other reps. He not only gave misinformation but he submitted for me to get a withdrawl check by MAIL. I didnt ask for that!! Now Im calling to prevent them from issuing me a check because there is no way I trust these people with sending a check when Ive been waiting on a card for almost 21 days. They tell me to call today and get a stop payment on the check. The first guy says, after leaving me on hold for XXXX minutes, oh their systems are down you have to " call back in a few hours ''! The second guy says oh let me call that department, comes back to the phone saying oh we already sent the check itll be to you in XXXX business days. I STILL maintain my composure after he mutes me and I ask for a supervisor ( XXXX was his name ) Mutes for another XXXX seconds and sends me to another genious who is a supoosed supervisor who puts me on hold 3 times only to do like the last XXXX reps and tells me to call back Monday to make sure the check doesnt get mailed! WHAT! Are you kidding me! The first rep told me she put a stop pay on the check and to call back XX/XX/XXXX if its not posted back to my balance! Meanwhile, I still dont have a card! They keep lying saying they sent me a card and they havent! They have the card and my money! I have called so many times I have gotten the rep XXXX 3 times! The same guy! What are the odds of that in a call center. Just expedite the card and right your wrongs!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I am sending this notice on my own free will. Attached is two files which is an completed FTC ( identity theft report ) and files containing personal identifiable information and additional facts of identity theft. Please see to it that this information is blocked and deleted pursuant to XXXX XXXX XXXX within 4 days. In addition to blocking this information im am requesting full file disclosure of my credit file pursuant to XXXX XXXX XXXX ( g ) XXXX usc XXXX ( a ) and XXXX usc XXXX of the fair credit reporting act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX/XXXX, XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Switched cell phone companies from XXXX XXXX XXXX to the sister company XXXX XXXX. When I switched Phone calls to XXXX  XXXX and XXXX XXXX XXXX were recorded for when XXXX XXXX XXXX again acted in deceptive manors similar to the actions of XX/XX/2016 by using deceptive trade practice acts, to encourage buying one phone and receiving the second free. XXXX XXXX General Counsel of XXXX XXXX XXXX admitted XXXX XXXX XXXX owed {$520.00} from the deceptive training they use to get extra sells. When I was switching from AT & T I knew such actions were to be aware of there for I covered my bases of which I can prove the statements made. XXXX XXXX XXXX has instigated this attempt to collect money that was not owed account XXXX XXXX XXXX is using this tactic to get even with their loss from XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-01-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I recently saw multiply articles regarding a settlement with Wells Fargo Bank. I had an account in the mentioned timeframe and do recall receiving multiple overdraft fees during that time, which were inconvenient and resulted in me closing the account. The website says to file a claim directly with CFPB as I have not received anything directly from Well Fargo. 

https : 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