BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
continuation from XXXX. Additional documents showing that the amount of my monthly payments are different on three different letters from Ditech XX/XX/XXXX 90 day temporary agreement {$1300.00} XX/XX/XXXX default letter $ XXXX/ XXXX XX/XX/XXXX letter {$1400.00} These changes in amounts cause the final delinquent amount to almost double making it even hard catch it up in one lumpsum. I called to ask what other options are available to find out that no modification will be granted without subordinate agreement and a payment plan can not be granted until past due amount is within 90 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions 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:
XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that XXXX  and Experian credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the labs. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the labs were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to XXXX   XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX Hospital for copies of the XXXX  forms XXXX   submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with 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 2018-02-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax purposefully makes it difficult to obtain your report. The qualification/verification questions are extremely precise. Nobody is going to remember what their autopay loan payment from 10 years ago was. The result of missing the questions is you are locked out. 

Then to make it worse, the website set up to dispute DOES NOT WORK. It's almost as if they don't want you to work on your credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in 2017 its still showing on my credit report it needs to be removed immediately please see documents from the courthouse from 2017 its on ethical unlawful and on just for the still to be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Freisem, Macon Swann & Malone LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discussed with XXXX XXXX XXXX, a debt collector, from Freisem, Macon, Swann & Malone, LLP ( FMSM, LLP ) to have a settlement on my debt with XXXX XXXX XXXX. We had an agreement of {$4000.00} to settle my total amount of {$5400.00} and the attorney would help to dismiss the garnishment from XXXX Magistrate Court. However, Mr. XXXX did not inform me that he already received one of my paycheck ( amount {$460.00} ) from the Court and our agreement would include that amount. Therefore, the total amount paid was {$4400.00}, which is not our original agreement ( {$4000.00} ). I tried to contact Mr. XXXX to get the refund but the conversation did not end well, he refused my request. 
I hereby filing this complaint to ask for assistance regarding this issue since I am currently struggling with a severe financial crisis, and such collection practice from the FMSM, LLP is unethical and unprofessional. 
I confirm that the information given in this form is true, complete and accurate. I am willing to cooperate with Consumer Financial Protection Bureau on this matter. 
Thank you in advance for your time and consideration. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-04-16
Company: Receivable Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have applied for Financial Aid- However Paper work was reshuffled to where I do not know. 
Additionally was given signed papers to send to XXXX XXXXl attached to each and every so called unpaid bill - However those letters seems to also get misplaced at time of opening them by the billing department of XXXX XXXX XXXX I have Blocked the telephone # after I had returned a phone call ( before having gone to Legal Aide of XXXX ) However they somehow seem to have resources to access my phone anyway and commence to call several times a day Thus violating several Laws. 
My only source of income is my Social Security - And there are loads of rights that I as an older adult should have and do have This is gross abuse of an consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
We understand that the credit bureaus are supposed to conduct investigations and respond with the results within 30 days. We submitted investigation requests back on XX/XX/XXXX, but we still have not received our 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 2020-06-26
Company: AXOS FINANCIAL, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/2020, I received a text alert about a possible fraudulent charge of {$390.00} on my business checking account ( using a debit card ) with Axos Bank. 

I did not recognize the charge ( it was unauthorized ), and I immediately reported it as fraudulent both by text message and over the phone. A block was put on the card. I was told over the phone that I would need to contact Axos Bank separately about the incident and get a replacement for the card. ( However, my card was not lost or stolen. It remains in my possession. ) On Monday, XX/XX/2020, I submitted an ATM/Debit Card Dispute Affidavit to Axos Bank listing all the details about the fraudulent charge. I also called Axos and discussed the issue. They said they would investigate. 

On XX/XX/2020, I was emailed by XXXX XXXX from Axos Bank that the disputed transaction did not post to my account and there were no unauthorized transactions to reverse. However, the unauthorized transaction was still in fact on the account. I called XXXX again, and they confirmed a mistake had been made. I was asked to submit the affidavit a second time. I did so. 

By this time, not only had the original amount been taken out of my account ( {$390.00} ), but I was also assessed an international fee of {$3.00}, since the transaction took place in XXXX. 

On XX/XX/2020, I was emailed by Axos with an update only after I followed up by phone. They confirmed they would begin their investigation immediately to reclaim the money that was lost. 

It is now XX/XX/XXXX, and every time I call Axos to ask about the investigation, no one has any information or update. The situation has to be explained over again from the very start. The funds have still not been returned to my account. I have lost faith in the ability of Axos to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions 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:
These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXX openedXX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number 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 2022-08-11
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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 2018-10-17
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: Account status incorrect

Complaint:
XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please

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 2021-09-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a XXXX Credit Card at a XXXX outlet on XX/XX/2021. I order a refrigerator, and convection oven microwave, with delivery and warranty. I spoke to my wife and she wanted to go with me in person to purchase the fridge, so I called the next day and cancelled, that was done. That Friday XX/XX/XXXX they were delivering the Convection microwave, my wife stayed home to receive the delivery. They called me later in the day around XXXX I was told he was on his way ( 50 minutes away ). XXXX the same guy told me his truck broke down in XXXX XXXX XXXX He gave me his word and promised he would deliver the microwave the next day ( He lied ), no calls - nothing. The next week a managers calls me and asks when do I want to reschedule the delivery saying I cancelled ( I explained to him the situation ). I knew for a month my families schedule was packed, so I couldn't give him a date. I have 1 month to return the item so 2 weeks later I called to return/cancel the convection microwave ( returned over the phone very difficult I had to go in person and call 5-6 times, but it was returned around XX/XX/2021, 2 weeks following the initial try ). Everything including the warranties were to be taken off. 
They took off the fridge warranty, but never the Convection microwave warranty I have requested it be taken off 10+ times and opened 1 dispute and if call the store they hang up on me, XXXX corporation tells me they will have the store reach out to me, instead of them taking care of it. The amount has never been taken off and I received a payment request for {$220.00} for the warranty that still has not been taken off, as of XX/XX/2021 for nothing. Sorry for the long explanation, will you please help, they have wasted 5-7 hours plus of my life. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27
Company: U.S. BANCORP
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Talked to XXXX of card member services @ XXXX XX/XX/18 and XXXX XXXX XXXX XXXX @ XXXX XX/XX/18 regarding my credit card which they closed and regarding the increase in interest rate. XXXX stated that I should have gotten a separate letter stating my promotion ended on my credit card. I was never notified of this therefore shouldnt have to pay the increased interest rate.

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 2017-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2018-10-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation