BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-08
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.

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 2021-03-16
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2020, I received a letter dated XX/XX/2020 from Synchrony Bank. This letter states that, My request for credit for a credit program with JCPENNEY, was reviewed and denied because, Existing account with our credit program. 

It is true that I already have an existing account for many years. However, I did not make an application for an account. 

Upon calling for assistance, I was informed that my account had not activity on it. When I states that it seemed as if somebody had my information and used that information to submit a second application, I was told I would be transferred to another department. I was transferred, and then promptly hung up on. 

From my perspective, it seems that my information was fraudulently used to submit an application. Perhaps this is by somebody outside of the bank who has obtained my information, or possibly by a bank employee who is using existing customer information to submit applications and artificially boost their numbers ( like the XXXX XXXX scandal ). Either way, it is unacceptable to me that I have not been given an explanation for what spurred the letter I received.

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 2021-03-16
Company: Harris & Harris, Ltd.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i submitted multiple accounts that were inaccurately reporting to my file to be investigated and corrected or deleted. Yet the agencies kept verifying the inaccurate accounts and illegal reporting as correct. They were not. especially in my case since i have filed for bankruptcy and the accounts were appearing as open/delinquent/active and in some cases with a balance. they information within the accounts were also incorrect. 
they keep verifying items as accurate and mine when they are not. i have received absolutely NO evidence of an investigation and the XXXX phone number they provide me contains no dial tone and i can not get through to any furnishers to see whether or not an investigation has ever occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HRRG is a debt collection company who has been harassing me by mail and phone calls to pay a debt they claim I have with them by way of an XXXX  who worked at the XXXX XXXX XXXX where I had my XXXX removed in XXXX 2022. 
After my visit at XXXX XXXX I quickly received a medical for the total procedure of my visit that included XXXX XXXX  in the amount of {$7600.00}. 
The total bill was {$74000.00} from which I was required to pay {$2500.00} after adjustment. 
I paid this total bill by credit card on XX/XX/2022 and received confirmation by email. 
I then called the hospital a couple of weeks after and was told I didn't owe anything anymore and that my bill was " Paid in full ''. This conversation was recorded and I receive a letter shortly after to confirm. 
HRRG claims that I owe more than {$5000.00} for XXXX XXXX performed at XXXX XXXX for my XX/XX/2022 visit when this bill has already been paid in full. 
I request that HRRG stops contacting me once and for all as I am emotionally affected by their harassment and do not understand how they have access to my medical records. This is a violation of my hipaa rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CASHCALL, INC.
State: ID
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:
Cash call is showing up on my XXXX credit report. This is not my loan, I have disputed this several times and it is still showing up on my hard credit pulls. It is dragging my score down. I need to get this fradulent pay day loan removed from my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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:
Transunion may be in violation of the FDCPA 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1692j. I did not give Transunion any written consent to furnish anything on my individual report. According to 15 U.S. code 1681, no consent is identity theft. In addition, there is no debt as the consumer credit transactions arise from my credit card, therefore, the info on my individual report is furnishing false information.

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 2017-05-01
Company: Experian Information Solutions Inc.
State: TN
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 in a dispute on an entry on my Experian and  XXXX  credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry. Experian has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,   XXXX  . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispute any item on my credit re port that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX , Experian, and  XXXX  ) do   not prove the listing on the reports are accurate and provide validation in a timely manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.

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 2021-03-16
Company: Capital Link Management, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX CLM contacted my ex-husband regarding a collections account that I do not recognize and have asked for documentation regarding. No documentation has been provided just text messages regarding the agency 's willingness to settle the account for less than half. CLM is saying my XXXX loan for {$1500.00} has been transferred to CLM and they are willing to settle the account for {$780.00}. I do not recognize XXXX at all and would like documentation regarding this debt. I would also like CLM to stop sending text messages to my ex-husband and anyone else.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Here is another Problem with Transunion - Credit Reporting, the last Complaint did Nothing COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 I Applied for a Visa Card from XXXX XXXX - and was refused Credit, Transunion reported to XXXX/XXXX  XXXX - XXXX that I had a number of Deliquiant Accounts and a Bankruptcy?? 

Transunion sent me a Report it shows No Delequincies, No Bankruptcy - but what they send to Creditors is something different Also showing a reduced Credit Score by 100 points because of these inaccuracies, compared to XXXX, and XXXX  Someone needs to look into this they have a Glitch in their system or something - I have called them, and their XXXX that answer do Nothing The CFPB needs to hold Transunion accountable - not to just take their word that there isn't any false information - the attached is proof

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 2017-08-15
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 was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from Transunion Credit reporting.

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 2021-03-16
Company: Early Warning Services, LLC
State: OH
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 contacted Early Warning about getting a copy of consumer report. I filled out necessary application and faxed it to XXXX XXXX XXXX on XXXX. That same day, I went through verification over the phone to get a copy of the report in which Early warning asked me multiple questions about my credit, sent me a link to scan the back of my drivers license, had me verify my social, my home address and multiple other credit history info. Still, to date ... .no report by email or mail. 

I explained to the representative at EWS that I had pulled a recent XXXX  XXXX report and found multiple inaccuracies such as payday loan inquires and bank inquiries in different states which i do not live in .... 

He told me he would send me info about Identity theft ... Which, again, I never received. Honestly, I am starting to question whether EWS is even a real company at this point??? 

I would like CFPB to step in here and find out where my report is at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Received a Down Payment Assistance grant from XXXX XXXX as part of their 'hardest hit fund ' for {$15000.00} Sold my house and Wells Fargo is requesting me to pay {$9000.00} to them. 

I escalated this all the way up to the president 's office and not a single person can tell me what is going on. 

If the government gave ME money for down payment assistance, why am I required to pay the money back to Wells Fargo when it was never their money, to begin with. I do not feel that I should have to pay anything back since this was a grant, and on top of that if I am required to pay a portion of the grant back, it should go to XXXX XXXX and NOT Wells Fargo.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: KY
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:
Contacting a XXXX representative on XX/XX/2021, about information on my credit reports that did not belong to me and start dates for the accounts were prior to my arrival in the US. 

The representative could not find my full name in their data system and was sending information out to me to fill out and for their fraud department to contact me. She gave me the ID # XXXX and I provided my address to receive the forms. 

No information was received but one of the accounts was removed and one still showing on my credit report with Experian.

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 2016-08-02
Company: ERC
State: IA
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:
I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Since XX/XX/XXXX I have been in contact with Equifax to correct many incorrect items on my company 's credit report. My company name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I requested credit reports on both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I received credit reports for a XXXX XXXX in XXXX, and credit reports for XXXX XXXX XXXX XXXX in XXXX. Neither of these companies is mine, but I noticed my own company 's good credit items in the other company 's reports. This was true for both company names - XXXX XXXX in XXXX had my ( XXXX XXXX in XXXX ) good credit items, and XXXX XXXX XXXX XXXX in XXXX had my ( XXXX XXXX XXXX XXXX in XXXX ) good credit items. And of course my company in XXXX had many bad credit items from the XXXX and XXXX company. I have attached all of my correspondence to them. They have only responded correctly to XXXX of the XXXX or so incorrect items. My company has been in existence since XX/XX/XXXX. The XXXX company has regularly been confused with mine, but this is the first time I have been aware of the XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.

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