BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.

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 2020-05-12
Company: Experian Information Solutions Inc.
State: WA
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 reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but Experian and XXXX  can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX/XXXX  XXXX  ACCT # XXXX XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately

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 2021-12-31
Company: Experian Information Solutions Inc.
State: PA
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, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-12-04
Company: Alpha Recovery Corp
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I recently sent a cease and desist communication to Alpha Recovery XXXX ... I explained my situation to them ... pertaining to my current health situation and that in no way shape or form that I have means to pay..please do not contact me again ... received communication again pertaining to this same situation..going you can help rectify this problem ...

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated 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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Billing dispute for services

Complaint:
I was fraudulently billed by Transunion 4 times last month. I did not have any conversation with them about any services. My bank reversed the charges and required I get a new card and redo all my auto charges to my credit cRd. Ans now I see that Transunion reduced my credit score at another bank I use. As a banking executive, this can have a direct impact on my employment. I called transunion several times and their voice system kept disconnecting and saying to try back another time.

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 2016-08-03
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Between XXXX XXXX and XXXX XXXX of XXXX, I used Out of State medical services that incurred XXXX medical bills. XXXX bills were for treatment at medical facilities, XXXX were for Ambulance rides and XXXX was for treatment during transportation. At that time I was covered by XXXX XXXX. I rec 'd medical bills but knew that my insurance would kick in so I did n't pay much attention. I worked for XXXX XXXX and was furloughed from XXXX to XXXX. I forwarded all my mail to my family 's home in California. Through divorce, changing jobs and being forced to move, I did n't look into my finances for sometime. About 1 year later in XXXX I realized that only XXXX of bills were paid. I contacted XXXX and they stated that the bills were being paid so I left it at that. Another year or so passed and I decided it was time to clean up my credit report from all the bills that were still showing as owed. After research, I discovered that the bills remained unpaid. I immediately called up XXXX and was told that the statute of limitations on the claims had passed and they were no longer liable to pay. After several years of disputing these bills, in XXXX of XXXX the final bill was paid. I was left with the co-payments for ambulance services. I paid XXXX of the ambulance bills in full plus interest to the debt collector to get it off of my credit report. ( Which is still actually on my credit report but shows a zero balance. ) It was approx {$270.00} in interest. The XXXX ambulance ride is stating that I owe approx. {$1100.00} in interest. I do n't think this is fair and want to know who is liable for this and how I can get this and all XXXX bills off 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 2020-05-12
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: Account status incorrect

Complaint:
XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 'm having trouble with Equifax. They showed my credit report on XXXX XXXX at almost XXXX one week and then in one week I checked it again and it showed XXXX. Anyway it dropped XXXX points without any reason in one week. I pulled a credit report and nothing had changed since I last checked it. I tried to get Equifax to tell me what happened or if something was wrong but all I got was there is no hard inquiries on your report and that I would have to purchase a copy of my credit score. I just ca n't comprehend why XXXX XXXX and XXXX has my score at XXXX but Equifax has it much lower. I do n't know if Equifax is trying to force me into purchasing a credit score or what!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX Bank of America posted my daily transactions so that the largest one was processed first resulting in my incurring 4 overdraft fees instead of one and 4 CREDITORS NOT PAID INSTEAD OF ONE. Had they posted the smallest first I would have incurred one overdraft and one creditor not paid. 

If I recall they lost a huge class action over this practice yet they continue to do it. This is nothing but an OBSCENE.money grab ... it is disgusting and outrageous. 

This was also amid an incoming wire transfer that was sent by a XXXX party to me on XXXX, but for some reason they dont process until THE SECOND BUSINESS DAY AFTER A HOLIDAY???????

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 2017-05-02
Company: Experian Information Solutions Inc.
State: AZ
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:
My account has been paidoff in  XXXX  so how can it be reported late in  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 2021-12-19
Company: FirstKey Holdings, LLC
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: Old information reappears or never goes away

Complaint:
Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XXXX XXXX, 2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Late fee

Complaint:
I have a Bank of America ( BOA ) credit card. I enrolled in BOA 's " e-Bills Automatic/Reccuring payments '' which automatically " Delivers the payment on the due date. '' The most recent payment due date was XXXX XXXX, 2016. I received confirmation that " The payment of {$250.00} will be delivered by XXXX/XXXX/2016 with confirmation number [ ... ] ''. BOA then processed my payment on XXXX XXXX, 2016, stating " This payment was transmitted electronically to Bank of America Credit Card on XXXX/XXXX/2016. '' However, BOA did not actually withdraw funds from my checking account until XXXX XXXX, 2016. As a result, BOA charged me a Late Payment Fee of {$25.00}.

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 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reviewed my  XXXX  credit report dated  XXXX   XXXX ,   XXXX   and  Portfolio Recovery Associates  ( PRC ) reports an original balance due of {$850.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all  (   XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I still have no idea how I was even approved for over $ XXXX of private student loans through XXXX XXXX ( now serviced by Navient ) in XXXX - XXXX for two years of schooling. I did NOT have a cosigner and had very little ( or no ) credit history at all. Now, I am required to pay at last $ XXXXmonth on a less than $ XXXXyear income. Navient has attempted to " work '' with me, lowering my interest rate, however I see that they are not applying the payments correctly to my loans. Additionally, when the recent term of my past interest rate reduction program was due for renegotiating ( end of XXXX ), Navient refused to keep me at the lowered interest rate, regardless of the fact that I am currently making far less money than I was the previous year. They increased my loan interest by .5 %. What can I do? I am swimming in a pool of Student Debt in which I will never be able to climb out of. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: WA
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 sent a complaint on the  XXXX  of  XXXX  already, experian is the credit bureau that made a statement about  XXXX  Americans make debts and lie to get out of it. I have tried on numerous occasions to prove to experience this is not my bill. No money was left, there was no estate the person passed and before passing was on government medical and retirement a very small income. I myself is on the same income except mine is a   XXXX   and   XXXX    XXXX . There was no accidental or life insurance polices. Why and how any  XXXX  got my name and information was fraudulent. I 'm not responsible for this bill and because of the remark about  XXXX  Americans is unfair and is   XXXX   which is against the law.

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 2021-12-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXXXXXX my account with XXXX XXXX ( Comenity Bank ) was closed and paid in full. 
Since this time, I continue to receive monthly statements with late fees and interest charges. I have contacted them several times with no resolution to the problem. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My initial loan was for {$20000.00} with XXXX XXXX in 2007. As to date I have paid over {$15000.00} back to them and my outstanding loan balance is at {$22000.00}. I have spoke with them about hot to get it paid down and they have sent me statements showing how much goes to loan and how much to interest. there are months that {$0.00} goes to principal and next month only {$20.00} will go. My loan is now through Navient and I have spoke with them many times and I can not get answers as to why so little is to principal and how I have get the loan paid off faster. Based off their plan i will be paying them for the next 20 plus years to pay this off. I have asked about my payment process time and get no answer. I post a payment online and up to 7 days later it will come out of my account and posted to my loan, the entire time this is processing they are compiling interest on it daily. financially it makes since for them to take longer to process but it is screwing me over. Is there anything that can be done or I can do to get away from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Wakefiled and Associates continue to try to collect and debt that was included within the Bankruptcy, after 2 yrs they have finally stop bothering me and has removed the item from my credit. what actions can be taken because they disregarded the stay?

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 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reviewed my  XXXX  credit report dated   XXXX   XXXX  2017    and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$850.00} :  1.  I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX  ) credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen receives my payment on  XXXX   XXXX ,   XXXX  . The  XXXX   XXXX  NUMBER is :  XXXX .     Even after ocwen got it on  XXXX   XXXX  they post it on  XXXX   XXXX  date. This effects my credit.     It should be posted the day they get the payment and not when they feel like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  crammed charges on my billing account by adding premium text messaging charges. There is a lawsuit with the  XXXX   XXXX   XXXX  against  XXXX  and other carriers for adding unauthorized charges. I did not pay my bill and  XXXX  reported my account to  Diversified Consultants Inc  for {$740.00} on  XXXX   XXXX    XXXX  . I have tried to dispute this account but they do not wo n't to remove the account nor fix the billing issue.

Company response to consumer: Closed with non-monetary relief