BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
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 result of identity theft

Complaint:
I have received letters of an amount owed XXXX} from a clinic that I never went to, someone used my identity for the services of that company, I have tried for more than a year to talk and resolve the situation and it has not been possible. The invoice was successfully disputed and withdrawn from XXXX and XXXX after investigations that prove that the debt does not belong to me, however experian continues to reflect the collection, I need this debt to be removed, it affects my credit and my opportunities to take out a loan

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 2016-11-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MD
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 noticed that there are a few inquiries on my credit report that are fraudulent. It is for XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I never authorized this and requested the Experian to investigate this and have it removed.

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 2021-08-26
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.

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 2022-03-17
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Consumer Portfolio Services, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX XXXX XXXX got me approved for a car loan and I've made my payment already on the vehicle now the finance company is now for some reason denying my contract..this is something that went on behind my back out of my control, but I'm left dealing with the consequences..the dealership has gotten money from me as well as the finance company..now they want to take my car ... I believe the dealership has committed some type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Problem with personal statement of dispute

Complaint:
I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

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 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed inquiries on my credit repeatedly and have only been advised that the persons stated that I requested the information. I am victim of identity theft/fraud and am looking for resolution. I have over XXXX inquiries on my credit, a broken lease that I did not authorize with XXXX properties and am unaware of the property, addresses and name changes that I am not aware of, accounts that are beyond the statue of limitations that I have asked to be removed and were not, as well as student loans that have been consolidated and should not show open on my credit report. I have called and received no assistance, long wait times, the inability to submit the full dispute online. I have XXXX and am only seeking a remedy in this situation. XXXX has been great with taking care of all that I have asked, except the name change. My name is XXXX XXXX XXXX, that 's it. I do not care if a copy of my driver 's license was provided or social security card, I did not sign for XXXX of what I am being accused of. I have not been able to remain stationary so that a police could come out to me to file the police report, but I have the affidavits filled out completely. I am livid that I can not get the things done through XXXX and Transunion, that I have to go to these lengths.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has Charged off a XXXX in XXXX, and have added it to my Trans Union and XXXX credit reports as a brand new Unpaid Charge Off Debt, plunging my credit score, they have done this for the past 3 years every XXXX, the most recent is XXXX XXXX XXXX. I live in Colorado and the statue of limitations is 6 years, it is illegal for XXXX XXXX or any creditor when a debt is old to put it on a credit report as a brand new debt. I have disputed this with both XXXX XXXX and The Credit Bureaus they will not remove this debt. I have XXXX other XXXX and a XXXX with XXXX XXXX that are paid on time every single month. I have been a loyal customer to them for several years and yet I am being denied a Mortgage because XXXX XXXX continually puts this old charged off account on my Credit Report as Brand New making it look as if I just had this XXXX Charged off and refuses to remove it. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2022-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box XXXX : XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Live in Georgia, Began our loan with santander in  XXXX . Used   XXXX   XXXX   XXXX   XXXX  . Vehicle I'd XXXX . Beginning balance  XXXX  We began payments at   XXXX   a month, but the interest rate was 24.99 %, then it was raised to  XXXX . We have paid over 50 payments which is over 18,000.00. We were late at times, but santander says our balance is  XXXX . Account number is  XXXX . They tell us that because of being late causes our payments to go to interest, not balance. How can a car loan cause the finance rate for us to pay  XXXX  for a  XXXX  loan.
We read in other states that santander was punished for interest rate loans. Texas is being investigated also. We have never received any payment receipts or balance records from this company.
My email is   XXXX    Phone  XXXX  This is my complaint   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Aspen Yo LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and this is my second complaint about the same issue with you your organization and it seems like your organization is not helping no one. Last year I filed a complaint about how my mortgage company Gregory funding keeps increasing my mortgage payment keeps going up every year. I pay right now XXXX every month frond XXXX XXXX dollars a few years ago last year my mortgage increased by XXXX dollars and I complained to you guys and you guys did nothing. Just a few days ago just got a letter from my mortgage company telling me now I have to pay From XXXX to XXXX dollars something is seriously wrong i really need help of I will lose my home after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Old National purchased FirstMidwest and rolled over FirstMidwest 's systems to Old National systems. After the conversion process, I am unable to access my account ( as well as my XXXX daughters ' accounts ). I have attempted to make contact via email, phone, and XXXX. They will not respond to email or XXXX. They will not answer their phone - I've been on hold for over 2 hours to no avail. 

They are holding my money hostage, no different than a third-world bank. Absolutely atrocious customer service.

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 2016-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.

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 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, I have couple issues with TransUnion. I have couple items on my credit report which are wrong or reporting wrong. 
1. Transunion has a wrong address on my credit report. The wrong address is listed as " XXXX WI XXXX '' I contacted transunion to remove the wrong address and even gave them my correct address, my social security number and utility Bill to prove my identity. After all this Transunion refuse to remove the wrong address. The wrong address is causing major issues for my family getting our mortgage approve. 

2. I also have XXXX negative accounts reporting on my credit report. I know 100 % percent that the accounts are not mine. I even contacted the vendor myself they were not able to verify the account was mine. I have disputed with Transuion but still, refuse to remove it from my credit report. Attached you will find the dispute letters I sent to transuion with certify mail receipt

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 2020-03-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding improper handling of charge-back dispute and not considering the documentation provided by the customer. 

I created a chargeback dispute against merchant XXXX, as I never received those items. The merchant shipped out the items to another country itself. Such a huge mishap.! I tried to contact the merchant and they accepted the mistake but did not provide refund. 

I provided all the supporting documents to citi bank including the tracking number and the snapshot proving that items were not delivered to the designated address. The document also included merchant 's response where they accepted their mistake. I also received response from citi saying they have received the documents and reviewing it. 

On the other hand, merchant just provided the same tracking number. The citi representative did not even bother to check the tracking number and the documentation I had provided, and simply resolved the dispute in merchant 's favor. This is complete violation of customer 's right when you are not even having a look at the their documentation and simply resolving the dispute in merchant 's favor because all they did was respond. This is how merchants are able to successfully scam customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company continues to call about an alleged debt I owe to XXXX. At first it was XXXX  XXXX XXXX. They keep saying I will be served at work and home but also claim to have sent a settlement letter to me for the debt. I asked them not to call before and a lady said no. The legal company told me their name was XXXX XXXX XXXX, and the man I spoke to, XXXX was a lawyer. They threatened to have my wages garnished and bank accounts closed, if I didnt respond.

Company response to consumer: Closed with explanation