BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX I contacted Hunter Warfield Inc I Spoke with Ms XXXX who I learned was in charge of my case. I inquired about the debt because I saw it was on my credit and she immediately said that they were in the process of taking legal action against me for this debt and that she could not give the itemized list of charges because of this. we exchanged a few words and eventually she said it was her job to say what she said and she finally agreed to send the paperwork. We also discussed a payment plan and she stated that she would need {$180.00} a month for 6 months and then we can revisit to increase if possible. I stated that it may be ok but I needed to go over my finances to see what I could take out to afford it. I sent her my printers email address so it could print right out and I finally received a paper on XX/XX/2019. Which I noticed was a encrypted message that I had to click a link to open. 

On XX/XX/2019 I called back to Hunter and Warfield and spoke to Mr.XXXX  and I explained to him that the encrypted message came through a printer and I was unable to open it and I wanted to update my email address. He took the new email and stated that I needed to set up an arraignment or his client will take legal actions against me. I told him I understand but I needed to see what exactly I was being charged for. he kept going on and on about setting up a payment today until the last time I stated that I understand and I will set something up once I received that paperwork. He then says ok Mrs XXXX I will make sure I tell my client that you are refusing to pay and they can take further legal actions against you and I stopped him and said that I never said that and don't I have a right to know what i'm paying before I set anything up and he said yes but you need to set the payment up today so I hung up the phone. 

I then was able to reach the client on XXXX XXXX and got them to send me a copy of the itemized list the same day. 

On XXXX XXXX I called Hunter and Warfield back to set up payment arrangements for the debt owed and spoke to ms. XXXX. I stated that I could pay {$50.00} a month for 6 months and we can revisit to see if i can increase payments. XXXX stated that her client will accept nothing less than {$180.00} a month and I stated that wasn't something I could afford at the moment. we went back and forth and she said {$50.00} would not cover the daily interest the debt is accruing and she didn't want me to be upset because I would not see the payment decreasing. I said that it was fine and that was all I could pay at the moment and she still stated that her client would not take anything less than {$180.00} a month so I said that I couldn't afford it and her response was next time I call back the full amount would be due and all payment plans would be voided. And Then I told Ms. XXXX that that's fine and that the call was being monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. Purusna to 15 use 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The calls are never ending and they call as late as XXXX. I got a loan through Navient in 2004 for a school called XXXX in XXXX Fl, later to find out that school isnt credited.They later changed the name to XXXX but the credits dont transfer and Im stuck with a XXXX $ bill that keeps increasing. I took two classes and only attended a semester. The school is fraudulent and I shouldnt have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 requested validation from Bank of America and all I received was a generic letter. This account is extremely old and I have been requesting a payment history and they still have not provided. They only sent a letter indicating the information is accurate. IT is not accurate. I want to see how the payments were applied when they are made etc.

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 2020-12-22
Company: Atlantic Collection Agency, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There seems to be a bunch of confusion over at Atlantic Collection Agency. I called them a number of times to verify an open balance of {$1200.00} owed to XXXX XXXX XXXX. They confirmed that was the only balance that I had, so I paid what they told me, and that was {$900.00} to close the account as paid in full. That was on the XXXX of XXXX and should have been reported on the XXXX of XXXX. I noticed that it wasnt remove so I gave them a call. After a lot of back and forth they realized that they've been mixing up my name in their system, placing my last name as my first, and vice versa. They're now saying the balance that I paid was actually for XXXX XXXX, and a balance is still owed to XXXX XXXX. I'm not sure how that is possible if it was paid back in XXXX of 2018, and they even reported it as being paid. The balance that I just paid doesn't even amount to either debt that I owed, but at this point they've been paid twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1100.00} on XX/XX/2020 they are charging me {$3600.00} which amounts to 412 % interest. I had no idea, they would charge this much I am a XXXX year old veteran on fixed income. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: AL
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:
THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # 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 2019-02-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I applied for Sears Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked Sears balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or Sears charged some kind of monthly fee, that I have no idea.

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly.

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card.

I reached Sears about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports.

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them.

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.

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 2022-04-05
Company: Sezzle Inc.
State: TX
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 an account with Sezzle that is reporting as delinquent and over the limit on the balance however that is incorrect. I paid this account in full on XX/XX/2022. I made a new purchase on XX/XX/2022 for {$170.00}. My limit is {$400.00}. I currently have XXXX payment left of {$40.00}. None of the payments for this purchase have been late however my XXXX credit report is showing delinquent and that I owe {$420.00}. It also shows that Ive made no payments which is incorrect. I have disputed this with the company through the credit agency however it was updated with the same incorrect information. Ive attempted to talk to a representative as well with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: UT
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:
This company took more than 30 days to respond to my dispute letter when it was received. Under the FCRA 609/611 They are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. They are required to do this under the FCRA 609/611 provisions. I demand the disputed accounts to be deleted. 

Disputed letters : Date received XX/XX/22 Date replied XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Traunsuion, in response to your response, i am not a third party. My name is XXXX XXXX XX/XX/1978, and I am a victim of identity theft. And I give again authorization to CFPB and 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
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted transunion on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, transunion couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

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 2022-04-05
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has provided myself and the CFPB a debt validation letter that includes a medical diagnosis of the alleged patient, but have not provided a signed HIPAA release form. That is a HIPAA violation and this debt must be removed immediately, or they will face fines and legal action.

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 2021-03-24
Company: CL Holdings LLC
State: SD
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:
Settelment payment was agreed upon by both parties and paid by XXXX XXXX. XXXX XXXX has since refused to remove from credit and still shows a balance owed, causing derogatory remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I have written to XXXX  on several occasions disputing the fact that the item listed below is incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. 

Let this be a formal complaint against Experian. The following account is an item the credit bureau has refused to investigate : XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . 

Sincerely, 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