BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.

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 2017-01-11
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 'm using Discover credit card for three months I have earned around XXXX $ cashback and in the end of the first year, they promised to give another same amount on how much we earned as cashback. But they suddenly closed my account without any prior notice so I enquired today they said I had made a payment last month that has been returned back.. actually, I did n't make any payment it was unauthorized so they had added the penalty to my statement I showed up some clarity and canceled my penalty charges. Now, they closed my account and took my XXXX $ cashback n saying that due to security issues they closed!! it can not be reopened you lost the cashback, you can reapply credit card again without any old reward! this also cost me to lose credit score!! this I suspect some fraudulent. They 're not loyal to the customer if we earn more cashback they igniting some errors and closing the account ... this problem faced by a lot of people ... I read it in few websites ... I need my cash back!! n I do n't want to lose my credit score without doing any fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/2022, and XX/XX/2022 but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' 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 2017-01-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
A debt has been sold, original creditor is not on my report and I can not get in contact about the inaccurate information. 
However I was called several times in the last 6 months with someone pretending to be from the XXXX XXXX XXXX 's office threatening to have me arrested at my place of employment over these XXXX negatives that appear on my credit report. I also received some emails about this debt stating that I am currently in court for this but I was never served by any courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly disputed a listing on my credit from XXXX XXXX and all they have posted that was verified. They have not sent me any information or how it was verified. This is a repeated ongoing issue with Transunion and other major credit bureaus.

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 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Investigation took more than 30 days

Complaint:
We started loan modification process with Bank of America in XXXX XXXX. Trial period was scheduled for XXXX months XXXX, XXXX, XXXX. After that if we paid as requested are loan would be modified. 
During trial period we received letters from Bank of America that we are late paying our loan, which made no sense to us because we paid everything on time. We contacted loan modification department XXXX times after receiving late notices but every time we were told to disregard these notices because all payments were made before due date Timely payments were actually requested in order to qualify for the loan modification by Bank of America. 
Loan modification was approved by BofA in XXXX XXXX. 
Couple months later we asked XXXX Bank to modify another equity line of credit and were shocked when told that we have XXXX late payments on our loan with BofA. Our credit scores dropped around XXXX points. 
When I reached to BofA they advised me to file a complaint with credit bureau and their banker told that she had this same problem with her loan medication. 
I filled a complaint with XXXX and received their response XXXX XXXX. They said they contacted BofA, supplied them all relevant information and documents I sent with my dispute and instructed them to : review all information, verify the accuracy, provide response and update records and systems as necessary. 
After response from XXXX XXXX called BofA twice. First time in XXXX was told that they will investigate my dispute and notify me. Second time on XXXX XXXX, XXXX when after being on hold for XXXX min customer service representative told me that I have a wrong number ( number was from our statement ) and connected me with someone responsible for equity lines. This person told me that reporting was correct because we were making payments requested by the loan modification department which were different from original payments. She also told me that our loan modification processor should make us aware of that. From the bank point she said everything was done properly. 
From my point it 's a nonsense. Why we should be penalized so severely XXXX credit scores down XXXX points ) by BofA for modifying the loan? Why we were not notified before starting trial period by BofA that our credit will be so negatively impacted? We would be glad to continue paying original payments and modified payments to avoid ruining our credit and have problems applying for credit in the future. 
We still waiting to get a response in writing from BofA regarding our complaints.

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 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else.

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 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a pre-approved application to XXXX credit card ( XXXX XXXX ). First off, the inquiry is from a pre-approved offer, and should be listed as a soft inquiry, so as not to damage my credit report. Second, XXXX XXXX denied the application and listed my credit score as XXXX which is also incorrect and not in my credit report. How do I proceed. Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.

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 2016-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my Transunion and XXXX reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.

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 2015-12-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Equifax , that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 

I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. 

There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

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 2020-12-19
Company: EQUIFAX, INC.
State: OK
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:
In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the XXXX. related to this item on my credit report. I have instructed Equifax to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

Equifax has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are in the process of selling our home. Our real estate attorney provided a request for the payoff statement for our mortgage from Seterus on XXXX XXXX, 2015. They said that it would take XXXX business days to receive this, even though a typical lender provides this within a few hours or up to XXXX business days. On XXXX XXXX, 2015, our attorney contacted them because she had not yet received the payoff statement. They said they were still within their XXXX business day window and were in the process of obtaining this information for our close scheduled for XXXX XXXX. On XXXX XXXX, 2015, my husband contacted Seterus to find out the status, since we had still not received this, and they told us that our request was declined and that it would be at least another XXXX business days. They are jeopardizing the sale of our home by virtually holding us hostage for a piece of documentation they refuse to provide despite the law in CT being that this must be provided within 7 business days of written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

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 XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My husband and I took out a loan for our daughter to attend a private high school though AES/NCT. My husband I split up and it went into default. As of XXXX 2015 it was paid in full. XXXX XXXX has taken it off the credit report but it is still on the other reports. I have called AES ( American Education Services ) several times and have contacted the credit bureaus. The credit bureaus tell me AES needs to remove it and AES tells me they no longer own it so they wo n't remove it. I have disputed this several times with the credit bureaus, each time they tell me AES states that I am still responsible. As this has been settled through a third party ( XXXX XXXX XXXX XXXX. ), how do I have this negative reporting removed since this account has been settled?.

Company response to consumer: Closed with explanation