BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, The reason for my dispute is XXXX XXXX  XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need  this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2015-11-30
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX must be removed from report. I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started text ing landlines. texts did not go thru on landlines. XXXX wireless charged me {$290.00} for texting to landlines which could not would not go thru.

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 2017-03-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm filing this complaint against Experian because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate it!

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 2015-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian keeps putting a fraud alert on my credit file without my permission. I would like this removed as soon as possible. I am trying to open up a my social security account and ca n't because I have a fraud alert on my file. Here 's a copy of what they " claim '' I stated in which I did n't. " At your request, we include the following statement ( s ) every time your credit report is requested. 
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/2015. '' Again. I NEVER requested that and they are misrepresenting me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had XXXX previous mortgage accounts that were closed/transferred, XXXX in XX/XX/XXXX and the other in XX/XX/XXXX. I disputed these accounts with Equifax stating that I was no longer responsible for these accounts because they were closed/transferred. I received the results of their investigation stating that they verified that it was my account. It just shows the total incompetence of the people responsible for completing these investigations. It clearly shows that there has been no activity on these accounts since XX/XX/XXXX for XXXX and XX/XX/XXXX for the other. It should have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. 
Checking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Trojan Professional Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt appears on my credit although during my son visit to the dentist my son had Medicaid from the state of New Jersey I informed the dental office my giving my sons insurance card to process claim and my identification to prove I was the mother. I informed the collection that patient had Medicaid at time of service that this bill was to be billed to Medicaid of New Jersey I spoke to the agent on the phone gave her the policy ID and was told they would inform the dental office. I requested this account to be closed and billed to Medicaid yet after three years still appear on my credit. Per New Jersey Medicaid Provider rules of participation as long as patient is enrolled in Medicaid insurance must be billed and patient can not be billed. This provider is billing us for covered services that must be billed to Medicaid My son XXXX XXXX was the patient

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting the following liens on my credit. I have settled my portion of the liens and therefore they should be removed File Date : XXXX Amount : {$74000.00} Docket # : XXXX File Date:XXXX Amount : {$23000.00} Docket # : XXXX File Date : XXXX Amount : {$5100.00} Docket # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX has violated my rights via a UNAUTHORIZED credit inquiry on XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: TRANSWORLD SYSTEMS INC
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc. did not share information that the debt was paid in full with the original company, XXXX and thereby I was sent to collections, from XXXX to another collections agency. 

This continues to show up as an uppaid account on my credit report and thereby negatively impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I had held a XXXX XXXX credit card through US Bank for several years. I responded to a 0 % balance transfer offer on XX/XX/XXXX, at a transfer cost of {$390.00}. When the annual fee hit my account on XX/XX/XXXX I called on XX/XX/XXXX to see if it could be removed. Customer service representative XXXX informed me that I could close the account and the fee would be refunded. I notified her that I had a 0 % interest transfer that I was still paying. She placed me on hold and came back to say that I could continue with the 0 % interest until XXXX even if the account were closed. I asked again and she assured me that I could continue to pay based on the terms of the balance transfer. 

I checked my account on XX/XX/XXXX and {$230.00} in interest had been charged. I again contacted US Bank. Another CSR said that interest had accrued since the card was closed and that this was US Bank policy. I explained my conversation with XXXX and that the balance transfer offer did not have any such language on it, he put me on hold and came back to say that the interest charges would be reversed, and that he would look into why the annual fee had not been reversed. He cautioned me that he could not continue the 0 % interest until XXXX, in spite of what XXXX had assured me and what was written on the transfer offer. I asked what this meant going forward and he said I would need to pay off the card before the next statement date or I would be charged interest. I specifically asked if I paid off the card by the due date if I would be charged interest and he said if it was paid in full no interest would be charged. I paid off the credit card prior to the due date. I just received a statement and have another interest charge of {$170.00} even though the statement was paid in full. It also does not appear that my account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: MOHELA
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have repeatedly requested MOHELA to stop calling me on my cell phone and to stop calling me at my work. I also sent them an email asking them to cease and desist this harassment. MOHELA continues to do both many times every week and their calls always start with " This is MOHELA calling ... ". My coworkers often answer the phone and they have complained to me about this. I am afraid management will be soon talking to me about these distracting phone calls. But I have never, not once, told anyone at work about my student loan situation. But now they all know because all they have to do is look up the name MOHELA on the internet. And now my company and coworkers know of my situation. This is having a very demoralizing effect on me. Also, I had a XXXX of years ago and my XXXX is in a XXXX. ( MOHELA has been informed of my health condition ). This kind of XXXX is definitely not good for my health. My feeling of well-being is at its lowest ever. If I could repay my student loans, I would do so immediately. But I have been living at the poverty level for more that XXXX years now. Finally, I must say that taking out student loans is the worst decision I have ever made. But back then I did not fully realize what I was doing. I do not wish this kind of bad situation on anyone and would advise anyone to not take out these kind of loans unless they are completely sure they will get a job that pays enough for them to pay back the loans. The student loan program should be completely canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have with all three credit agencies to fix my credit reports and XXXX and XXXX have followed proper protocol as far as handling my complaint the problem comes with Equifax. I have submitted a court order to them on numerous occasions regarding XXXX and they still have yet to update my information, in fact I was to by a representative that because this company has my SSN that supersedes the court order which I know is false. They have items on my report that date back ten and thirteen years on my report and have their protocol to contest these items and they told that they were not going to remove even when I show them the law that state the time frame they should be removed. they have inquiries on my report dating back to 2013. I would like these items remove and my report reflect my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed items off my credit and enailed Equifax and received this : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The collection accounts were placed on my credit report by the collection agency after I filed chapter XXXX bankruptcy which was in XX/XX/XXXX. XXXX has removed all collection accounts from my record which include the XXXX listed below. Equifax refuses to remove them. 

The Results Of Our ReinvestigationCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor hasverified to OUR company that the balance is being reported correctly. If you have additional questions about this itemplease contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX ; Amount {$170.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXXCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is beingreported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX XXXX XXXX XXXX ; Amount {$93.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation