BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with Bank of America, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from XXXX ( original creditor is XXXX XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Trade Commission Act.

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 2022-07-29
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Sonnek & Goldblatt, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification that my wages were being garnished because of medical debt, the situation is complicated, but I was advised to settle with the law firm -- XXXXonnek and Goldblatt. I have the terms of our agreement in writing, and made the payment to settle the debt as in our description. The payment was made on XX/XX/27. My wages were still garnished for the pay date of XXXX, and the firm claims that the money will be 'returned ' but can't give me a timeline as to when, or alternative options if my wages continue to be garnished.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/23 # XXXX, i put in my first complaint through CFPB to Transunion, They did not record current status of of disputed information and the reinvestigation took longer than 30 days. According to 15 USC 1681i! THEY LAW IS THE LAW AND THEY BROKE THE LAW!! THOSE ARE TWO VIOLATIONS! I put in another complaint on XX/XX/23 # XXXX letting them know that they took 30 days and that no record of the items being disputed was recorded. They chose to keep playing games and say they are still working on it and say som disputed take 60 days. again the law is the law! According to the law you only get 30 days for investagations and a extra 15 days which makes 45 if i give new information during the time of the investigation which is not the case. They claim that even though on my end i can't see that my disputed were being record they can see it on there end, it does not state that that is ok in any law dealing with USC CODES EVERYTHING IS SUPPOSE TO BE CLEAR AND CONSPICUOUS AND IN A REASONABLY UNDERSTANDABLE FORM! They did not reply until XX/XX/23 that is well past 30 days and on my online account under where the disputed claims are it only shows on dispute and that is from XX/XX/23 which is a different disputed and again my disputed should show old disputed and active disputed the fact that only one is showing further proves my point that no record of my disputed was show or available to me. it showed that when i first put disputed in and it still shows that i only had one disputed open even if that was a technical error on there end that is their problem not mine and it still a violation my rights. By law the account that were originally disputed MUST BE DELTED AND I SHALL RECEIVE {$1000.00} FOR EACH OF THE LAWS/VIOLATIONS THAT WERE BROKE! If not a FTC REPORT WILL BE FILED FOR CONTINUING TO KEEP ITEMS ON MY REPORT IS FRUAD AND IDENTY THEFT AND XXXX  WILL BE CONTACTED AND Arbitration will be filed DO NOT XXXX PLAY WITH ME I KNOW MY RIGHTS IM TIRED OF PLAYING GAMES!

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 2021-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I got the app to monitor my credit because I had no idea that all these spam calls where because of my credit score. Turns out I wasn't thoroughly helped last year when I need to report identity theft my identity was stolen credit cards and mortgage loans and insurance inquiries at least 12 where taken out. I never had a credit card. I did apply for XXXX XXXX  as I was XXXX at the time. I also has taken out a XXXX XXXX XXXX. Other than that I never got the credit card and XXXX was the loan company for my first car the XXXX in XXXX : XXXX XXXX keeps appearing and when I speak to experian they told me I applies for a subscription when I only wanted tot monitor my credit and XXXX  I meant to only monitor and see what was on there but my phone and phone calls where being hacked and rerouted and forwarded. I was also scammed in XXXX in XXXX and reported it but I can't get a real lawyer because all calls sound the same. I've called fbi the DOJ and osha. While being neglected by the healthcare system. Then I saw the DOJ purposely was neglecting South American citizens which I reported to the White House. In hopes for change. A direct answer and guidance.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
date is XX/XX/23 old address and names and my last social on my credit report ..i send them my id a bill with my address and my social ..i send them a letter to delete..

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 2022-12-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding LLC - {$860.00} I have disputed this unknown Debt with both the Collection Agency listed above and the original debt owner/ issuer listed on my credit report. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During Covid. I wasn't able to pay my mortgage on time. I reported to the Bank. National Mortgage ( Mr. Cooper ). and worked ok. 5 months later I went back on track and the Bank only offer was a modification. 
I applied for it, but at the end, they charged me the 5 payments with the modification, and double my debt. I had 20 years left on it at 4.75 % when rates were at 3.0 %. And they double the time to 40 years now with same 4.75 % rate, claiming that the 3 % was not an option for me. I think that they took advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is as follows : 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2022 I sent a letter to the alleged debt collector informing them that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to any third party companies. 

I requested all verification documents to be sent back to me through USPS such as breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the alleged debt collector, verification that this debt was assigned or sold to the alledged debt collector. Date this alleged date became payable. Commission for debt collector if collection efforts are successful and complete accounting of alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I keep trying to pay my XXXX XXXX bill with Comenity and their site has been down for over a week, and their phones are down, and when I finally did get to attempt to login further, it said my account was closed. I make on-time payments on the XXXX of every month and still owe a XXXX  balance. I literally just want to pay my bill. Im so stressed out because its not letting me and nobody is answering their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Company did not conduct independent investigation on errors on my credit report. They utilized eOscar to verify all derogatory accounts.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}.

Company response to consumer: In progress
Consumer complaint received 2023-01-28
Company: Advanced Resolution Services Inc.
State: OK
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:
XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have placed disputes on XXXX  separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX transunion reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had XXXX late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while XXXX reports XXXX lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX transunion reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX  reports 100 % on time with last payment XX/XX/XXXX and XXXX  reports XXXX lates with last payment XX/XX/XXXX. 
3. XXXX XXXX XXXX- transunion reports XX/XX/XXXX as last payment with no lates ; XXXX  shows 25 lates but only one XXXX late ( XXXX ) with last payment on XX/XX/XXXX while XXXX reports c/o every month last two years with no 1st delinquency date. 
4. XXXX XXXX transunion reports no lates with last payment XX/XX/XXXX, XXXX shows XXXX lates despite also showing XXXX with last payment XX/XX/XXXX and XXXX shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all XXXX immediately removed from my reports.

Attached is proof of what I am claiming. Please note despite these showing XXXX  as address too, each company had their own same letter addressed to them.

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 2022-12-02
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill for XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX TN was paid by XXXX confirmation from XXXX XXXX XXXX confirms this I was sent a debt collection for this bill Online reviews and speaking with the front reception of this practice confirms this is an extensive problem for this practice The administration information was not publicallly accessible I did obtain at the office the CEO and managers names and contact e mail This is fraudulent practice going beyond this XXXX incident

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX  XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXXXXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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