BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have four accounts that I disputed over a year ago. They are ( XXXX XXXX XXXX -XXXX XXXX ( There are two of these same company different debts ) and finally XXXX XXXX ) The XXXX XXXX both say that consumer meets the criteria to have dropped off my report. Its not. It also shows even though there closed and owing {$0.00} there marked as bad debts. One is listed for {$4000.00} it says it was opened on XX/XX/XXXX however it says date reported was XX/XX/XXXX.?? If this was just recently reported why and how did I dispute over a year ago. I wouldnt have disputed if I didnt know it was listed.? Also XXXX XXXX consistently called myself and girlfriend everyday from XXXX - XX/XX/XXXX while at work and we repeatly asked them to stop calling during work hours they didnt until we finally disputed it. The last two XXXX XXXX and XXXX XXXX are both also showing they were recently reported the first mentioned XX/XX/XXXX and opened on XX/XX/XXXX {$340.00} and it was disputed and at one time dropped now its saying its never been disputed and showing {$0.00} payment or owed and yet listed the amount as a open bad debt? Same scenario with the second {$58.00} reported on XX/XX/XXXX and opened on XX/XX/XXXX says its open and not disputed. The files Im uploading it says their open active placed for collection and yet these are collection companies who originally bought debt and was disputed and found in my favor before another debt collector bought it. I know in under the FCRA when a collection company does buy a debt of a person they have paid bill. My contract was never agreed to with a collection company which makes it null and void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Third Party Medical Collection that's fraudulent account can not verify or validated services and can not. Notified them and they continued to collect. I notified police of fraudulent collection. I have sent company affidavit of fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

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 2017-09-06
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: Account status incorrect

Complaint:
XXXX  and Transunion should not be reporting a Foreclosure as well as ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX Bank in 2014 and should not be reporting a balance. ( I have attached a copy of the Title Certificate for reference. ) This false reporting of lates and a foreclosure is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-07-15
Company: EQUIFAX, INC.
State: MI
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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NY
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:
this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened up an AMEX Platinum credit card account in XX/XX/XXXX. The card has an annual fee of {$550.00}. The offer I accepted included XXXX points to be added to my account if I spent more than {$5000.00} on the card in the first three months of use. I exceeded that amount easily. It is now approaching six months since I first opened the account and the XXXX points have still not been added to my account. I have made multiple phone calls to AMEX, the latest on XX/XX/XXXX. I also had a " chat '' communication with AMEX on that same date. Each time I have contacted AMEX I am told to wait 6-8 weeks but they, as of today, still have n't done anything about adding the points to my account. I have attempted to make contact with the department that handles the points but have been told that I can not speak to them. The AMEX Platinum card, one of the so-called " premium '' credit cards, has a steep annual fee of {$550.00}. You would think that AMEX would be a little more proactive in honoring the deal they offered. They sure were n't shy about collecting the {$550.00} on the very first statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: Experian Information Solutions Inc.
State: MS
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:
These inquiries serve no memory as being made by myself and I asked for them to be investigated and removed as I have spoken to the company and all they did was place an alert on my credit file, instead of taking actions as what appears to be a data breach. The items are as follows : 1.XXXX XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX 9. XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX XXXX XXXX 25. 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 2022-07-15
Company: Experian Information Solutions Inc.
State: MI
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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 an account without my written instruction.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX XXXX XXXX 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 2022-07-15
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We went on covid forebearance with our mortgage company starting in XXXX of XXXX. 

Last XXXX ( XXXX ) we opted to do a loan modification to get back on track and start making payments again. Freedom Mortgage sent us an offer letter based on the current finance rate ( 3 % interest ) and we accepted the terms. 

After we accepted, they sent us loan documents the next month in XXXX ( XXXX ). On those loan documents, my last name was wrong. We contacted them immediately to let them know after our notary wouldnt let us sign them without my name corrected. 

Over the next few months, I reached out to Freedom Mortgage monthly and sometimes weekly, and sometimes several times a day to ask where our corrected documents were. I was getting nervous about the delay in getting our documents. I was told over and over that the delay in getting our new documents wouldnt affect the offer they sent us in XXXX & that we could still get the same interest rate in their original offer. That was a lie. 

They told me in XXXX ( XXXX ) to resume payments in XXXX in harmony with our XXXX loan offer, so we resumed payments on XXXX first & we have continued to make the payments we agreed to in their offer letter. 

Starting in XXXX, each time I called theyd wait a week or two then ask for something else from us. Ive sent my marriage license, drivers license, etc. So they have no reason not to know that my name is, indeed, incorrect on the loan documents they originally sent. 

To this day they still have not sent us corrected documents. 

Instead : As soon as the interest rates went up, they made us another offer based on the current rate. And heres the crazy part : they sent us loan documents with my name WRONG again. So I can not sign these new documents again even if I wanted to. I let them know immediately that the new documents were incorrect and I could not sign them. Freedom Mortgage has made no attempt to correct the loan documents. Instead : Freedom Mortgage just initiated foreclosure proceedings saying we havent been making payments, but we actually have been. We havent missed a payment since XXXX per their instructions. There was a tax increase that went into effect that I missed because we are not getting our normal statements, but I caught it in XXXX and made a payment to catch us up. 

Its insane to me that I could lose my house because of their mistake, especially when weve been making payments.

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 2022-02-17
Company: EQUIFAX, INC.
State: AZ
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:
So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. 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 2018-06-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX-XXXX  XXXX, Ga from XX/XX/XXXX until XX/XX/XXXX. I feel that I was coerced, and misled in signing for student loans. I graduated with a {$40000.00} XXXX XXXX that no one really honored. I was never told about the amount until it was too late. They constantly called until I decided to attend. After about half way through the program, I wanted to quit because I felt I wasn't adequately being trained for real world job field situations. They constantly changed instructors, who allowed favored students to cheat, while others really studied. There were a couple of good instructors, but most were not. I continued with school because I didn't want a loan without the reward of a degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, 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:
On XXXX XXXX, XXXX, I contacted Equifax for the status of a dispute with XXXX XXXX XXXX indicating that the account is not mine. The representative, XXXX, informed me that the account has the same name and social security number as my file, therefore it has been verified. I asked her how did Equifax verify the information. XXXX 's reply to was, the account has the same name and social security number as your file, therefore it has been verified. I asked, " Did you receive any valid information from the creditor?. '' XXXX stated, " XXXX did not send in anything ; however, the account has the same name and social security number as your file so it has been verified. '' I asked XXXX that if XXXX never replied with any valid information or any information at all then how can you say that it has been verified? She replied, " The account has been verified. '' I explained to her per the law, a debt has to be validated in order for it to be truly verified, so what information do you have that says that this account has been verified? '' XXXX replied, " I do not have any information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: RNN Group, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are a place of business and we do not give out any type of information regarding our employees or their family members. We are getting numerous calls from RNN Group and we are not obligated to confirm or deny who works for our company. This is obviously a debt collection. The RNN Group representative is extremely rude and unprofessional. They seem to have made it their mission to continue harassing our place of business and they do n't even know if the person works here. If they were professional, they would not be disrupting another place of business over someone 's personal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation