BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
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 already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted this company via certified mail on   XXXX  1 7sending a HIPAA letter requesting VALIDATION of this debt. The company, in turn, responded with a VERIFICATION letter which does not validate this debt. I have not signed any documents with this company allowing them to have my medical information, nor have I entered any contract as to why this debt would be owed to them. I have no knowledge of this company and am in need of validation of the information. I will send out another HIPAA letter requesting VALIDATION of debt and f ile a complaint with the BBB.

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 2017-06-09
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax several times because I am unable to access my credit file. I called them for the last time on today  XXXX / XXXX / 2017  and spoke with a rude lady by the name of  XXXX   XXXX . I was calling to inform her that I needed to dispute three things on my credit report and she told me I could n't dispute them. Also, I asked her why I could n't access my credit file online like everyone else and she stated because I was a victim of identity thief. I understand that now but that matter has been cleared up for ove r 3-4  years now. I would like to access my credit file just like everyone else and she told me I would be able to access my file at all and this would be indefinite. Before hanging up I asked if I could speak with her  manager  or supervisor and she stated no. I want this lady removed from Equifax and I do n't want Equifax department of consumer affairs handling my credit file I want my file treated and maintained like a normal consumer. Please have Equifax release my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.

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 2020-03-02
Company: CURO Intermediate Holdings
State: CO
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:
Inquiry on XX/XX/2020 that I didnt not make. 

Curo management Llc for a personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 2021-11-12
Company: Guild Mortgage Company LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I took the COVID XXXX forbearance for 9 months between XX/XX/XXXX and XX/XX/XXXX after losing a job due to the start of COVID restrictions in XXXX. I started a new job in XXXX of XXXX and was ready to work on the loss mitigation/modification plan for my mortgage after this time. Initially, no one would even talk about how to get the account current until XXXX year had passed from the forbearance date. Then I was asked to fill out a loss mitigation application in XXXX of XXXX to see what loan modification options were available to me. 

The loss mitigation process has been near impossible, and no end is in sight yet. This request has been going on for 5 months now, and probably a dozen or more different requests with new items requested each time. Things like bank statements, proof of hardship, explanations of deposits, tax returns, budget numbers- this list goes on and on. I send in the information requested each time, but it is definitely wearing on me and they know more about me financially than I even did at this point. 

I can not get past this process, and they say it needs to be 100 % complete to be given options to fix the account. It almost seems like harassment at this point. I continue to fill out paperwork and send things in, probably at least once a week. Then they come back with new generic documents with additional items required I have to procure. 

At the same time, the collections department is calling and threatening foreclosure on the home, even though I am working through the loss mitigation process. It is not my fault that they keep requiring additional information, and have pushed this process so long. The collections department and loss mitigation department are not connected for some reason either, so when I ask if they can reference prior discussions, they don't have that information. 

I am just trying to get some type of loan modification option so I can get my account current, whether that be the option to tag the payments to the end of the loan ( my preference ) or something else. I CAN NOT get to this point because their loss mitigation application process is a mess. And I fear they are going to try and foreclose because of how long this process is taking ( as stated earlier, over 5 months of back and forth at this point ). I am making my monthly payments now for a while, but they want to collect now on the 9 months of forbearance and I just don't have that kind of money available all at once. I thought there were rights offered to people in my situation with the CARES Act, but each time I bring that up I am ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: IL
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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:
Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations

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 2020-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations

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 2017-06-06
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:
2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application.  my credit score was  effected.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my TransUnion Credit Report. 
TransUnion looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing TransUnion on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now the company XXXX XXXX account number XXXX trying to illegally add the same creditor under a new name XXXX XXXX XXXX back to my credit report under a new account number but same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with TransUnion versus my report with XXXX, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : 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 non-monetary relief
Consumer complaint received 2017-06-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-06-24
Company: EQUIFAX, INC.
State: TX
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 am having some a long term issue with Equifax. The issue I am having is they say they are updating my credit report, but they are n't. In fact, they always agree that I am correct, and they say they will update my credit report and fix it. Sadly, this is not true. They are not updating my credit report every single month. They make the update and then stop, FOREVER. I am being forced to manually dispute my report every single month in order to get any sort of updates attached to my credit report. I ca n't even get new accounts added. If I stop trying to have them update my credit report, I get denied for loans because well technically the data is too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Account status incorrect

Complaint:
Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  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 2019-03-23
Company: EQUIFAX, INC.
State: VA
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 took out a loan against my house with XXXX and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports.

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 2022-04-05
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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 non-monetary relief