BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
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: Public record information inaccurate

Complaint:
To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )  XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  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 2015-05-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax Information Services , LLC . refuses to send a updated and corrected copy of my consumer credit report and file to XXXX, XXXX and XXXX , XXXX. 
The XXXX National Consumer Credit Reporting agencies ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2022-03-16
Company: Velocity Portfolio Group
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is trying to collect a debt they say I owed Velocity Investments , LLC on XX/XX/2002. They claim I had an account with them. I never had any account with Velocity Investments , LLC, nor have I ever heard of them. Furthermore, that is XXXX  years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit after being denied multiple times for a new auto loan. I noticed an account for ARS ACCOUNT RESOLUTION in the amount of {$96.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting 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 2016-02-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I purchased a house back in XXXX XXXX with another person. The mortgage has fell behind on several occasions and XXXX loans modifications were done. Only the other party was living in the house in XXXX and was suppose to being paying the mortgage which they were not and they applied for the loan mod rather than have the house foreclosed on because the mortgage was past due. I only agreed to sign the loan modification paperwork if they would let the other party assume the mortgage after I Quit Claim deeded the property to the other person. I signed the deed over and signed the loan mod for the mortgage and Wells Fargo denied our assumption afterwards on the basis that they created a secondary lien to HUD around the amount of XXXX which was the past due amount and the person at Wells Fargo informed me that needed to be paid before they could approve the loan assumeption. Now I am on the mortgage, not living in the property and have no ownership rights to the house. The other party is renting the house out and has kept the account in good standing for the last two years. I am unable to take out any type of loans because I am tied to this mortgage and I do not receive any type of rental income. If I would of known this I would have let this house been foreclosed on so at least it would come off my credit at some point. Wells Fargo should have made us well aware about the secondary lien would have to be been paid before we XXXX signed any paperwork. There is about XXXX left on the mortgage and the secondary lien is around XXXX to HUD. The property value is around XXXX. I do not want to have to hire an attorney to file a Quiet Title Action to have the Quit Claim Deed stricken since I gave up my ownership under false pretenses or information omitted by Wells Fargo. All they need to do is a partial release of mortgage or let the owner assume the whole mortgage. I know Wells Fargo has been very deceptive in the Loss mitigations practices and this is another example.

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 2022-03-16
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account info Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Original creditor XXXX XXXX Balance history XX/XX/XXXX {$1300.00} Balance {$0.00} Schedule payment {$0.00} Paid Additional info The original amount of this account was {$1300.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Your statement Add a statement I never had any account with XXXX XXXX. They said the account came from an address in LA. Ive never lived in Louisiana. My credit history is flawless ( I used to be a lending officer so I know better ). I called them and they told me to call the police. I dont think the police here would handle this. My credit scores are Very Good with exception of XXXX. I filed complaint first that I never had address in Louisiana ( they took it off ) then that I never had an account wit XXXX. Ive always had XXXX in Idaho. They dont even have XXXX here. I pay off all my credit cards at the end of every month and my mortgage is excellent. 
Im baffled and very angry they can do this to someone given the facts.

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 2022-03-16
Company: EDvantage LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was emailed by Tuitions Options at XXXX PM on XX/XX/XXXX. This company emailed me at a time that is inconvenient for me. They are prohibited from contacting me after XXXX XXXX  I will be sending a letter to the address that they provided asking them to contact my lawyer. They are asking me to pay {$4100.00}. They also said in this letter that delinquencies may be reflected in my credit report. According to Tuition Options, this letter is an attempt to collect debt for a university I was attending. I am currently in the re-enrollment process to start attending this university XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, 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:
As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
This is a follow up complaint to complaint number XXXX and XXXX. Amex is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, Amex lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, Amex stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency XXXX XXXX XXXX, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how Amex is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this Amex will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated from XXXX University in XXXX, Ohio and I have a large sum of private student loans from XXXX XXXX/Navient XXXX {$80000.00} ) in which my father is my cosigner. After I graduated college and started making payments on my private loans, I wanted to look into how to remove my cosigner. The loan holder company informed me that to remove my cosigner I had to make 12 months of principal plus interest payments and then submit an application. I followed this advice and made those payments for 12 months. When I contacted the company to ask for the application, another individual told me I was misinformed and that my loan actually required 24 months of those payments. She also told me that my balance needed to be significantly lower in order for my application to be approved. After discussing it with my cosigner, the decision was made to not continue making those large payments for another year because it was suggested that we would not be approved anyways. Fast forward a couple years and my cosigner 's health is not in good standing. With the threat of having to owe the entire loan back whenever he passes, I reached out again to see what I could do to have him removed as my cosigner. Interestingly enough, I was told 12 months of principal plus interest payments. When I learned this I asked if I could go ahead and apply since I had met that requirement a couple of years ago. They informed me I was not eligible because those payments have to be made in the 12 months before I apply. I am hesitant to make such payments again when they seem to be inconsistent among their employees. I was informed that their policy can be changed at any time. My fear is if I made these payments again XXXX which is financially hard to do XXXX that they will just tell me different information when I ask to submit an application for cosigner release.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are in the process of selling our home. During the title search, it was discovered Bank of America did not satisfy a deed of trust when we refinanced, so it appears to deeds are open. We started to call on XXXX XXXX to report the issue. After numerous calls for resolution and no response, we finally received a call that the issue was resolved on XXXX. However, it turned out the bank satisfied the wrong deed of trust. Due to the delay, the buyers mortgage company cancelled the closing and will not reschedule until approved. The expected closing date was XXXX, due to our house not being ready, we had to rent an apartment for one month at a cost of over {$3000.00}. Because our house is not closing, we are also going to be responsible for paying our mortgage with Bank of America. Because our closing appears to be pushed back until XXXX, the buyers can now cancel the contract and also attempt to come to us for restitution. During the process of trying to get this fixed, I have faxed in, and our lawyer has faxed in the documents to Bank of America 3 times. We even sent them a copy of the deed to be satisfied and they still did the incorrect XXXX. Because of the error, we are basically owing the equivalent of XXXX mortgage payments, plus our buyers are in a horrible position. XXXX last thing, the reason why there was problem with the original refinance was we were instructed to sign the documentation incorrectly and it had to be resigned a second time.

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 2020-12-25
Company: Radius Global Solutions LLC
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: Account status incorrect

Complaint:
This is a follow up complaint to complaint number XXXX and XXXX. XXXX is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, XXXX lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, XXXX stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency Radius Global Solutions, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how XXXX is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this XXXX will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.

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 2017-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have contacted Navient several times about lowering the payment on my private loan. It is impossible to even get a hold of them due to their horrible customer service. I will get an agent and then get transferred to a dead line, or simply the phone call will end. The times that I have been able to contact and talk to someone about my issue, they have stated that my payment will be lowered, which never happens. There is no follow through. Nothing. I have been told that I would receive a call back and I never do. They offer no options for private loan repayment. They tack on ridiculous interest rates to the point that most of the money on this loan I did not take out. This is out of control. I feel like I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, XXXX, and Experian. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT 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 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I tried to cash a check at the B B & T Bank ( now Truist Bank ) in XXXX, GA and was told by the teller that that check number had already been cashed ( fraudulently ) for {$4600.00} and while I was with the bank manager checking on the fraudulent check cashed against my account another check for approximately {$4800.00} was being cashed from my account fraudulently at that very moment.

The bank manager, XXXX, advised me to close the old account and open a new account which I proceeded to do at that time with him. He said the bank had their investigators that would take care of the problem. They did finally replace my {$4600.00} after about 60 days, but they still have not replaced my other monies and we are almost 90 days out from the fraudulent claim being registered with Truist. They tell me every time I call about the investigation that they are still working on it. I left a message today for him to call me and update me and he never called nor did XXXX XXXX who the message was also sent to. 

They are jeopardizing my financial stability. I want to solve this quickly without problems but they are leaving me in a situation where I feel that I have to register a complaint with the Secretary Of State and with the advice of my attorney follow whatever directives they guide me to act upon.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-09
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation