BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XX/XX/XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2017-12-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I did not live at the address or even the city of the house that they attempted to serve me at. In fact, there were squatters in the house. American Express sued me, and I did not know about it, and they got a judgment. However, I had filed bankruptcy in XXXX, XXXX in XXXX and American Express is listed. American Express put a lien on me/my property. 

There are two things seriously wrong with this. 
Above all, since this account was included in Chapter 7 Bankruptcy discharge, this is not legal. They have to remove the lien and wite it off. I am writing to you to enforce this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-08-24
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans for the past > 2 years have been under FedLoan servicing. They were taken over by XXXX when I started on the XXXX XXXX XXXX XXXX program. 

This spring I re-certified my income so I could continue on with my XXXX program. That is when the difficulties began. Initially they declined my re-certification multiple times due to not having sufficient info to verify my income. This was despite the fact that I submitted my XXXX 's and my IRS tax transcript. This delayed my re-certification past the deadline despite me submitting everything on time. During the multiple phone calls to resolve this issue they mentioned that while I clicked to recertify back into my same plan I also clicked a box on my forms erroneously to try to put me into a lower repayment program. It was a short discussion notifying me that I could be eligible to be put in a similar program that would not effect my PSLF eligibility and I would simply pay less each month. I told them I was fine with this as long as it did not effect anything overall. As I have had other friends do this I did not think much of it. 

Unfortunately my loans initially got put into standard repayment so I was debited {$560.00} for an unclear reason, then {$8000.00} from my account. I needed to call my bank to have this payment stopped. I also have an upcoming payment due for > {$3600.00}. My loans were supposed to be put in forbearance during the switch over as it takes XXXX a few months to determine my new program and monthly payment. Now I have XXXX payment overdue and likely another upcoming as I will not be paying the {$3600.00}. 

Now finally they have given me the info about my new repayment program and I will be paying > {$1900.00} a month. Previously I was paying a little over {$1800.00}. So after all of this I will be paying more, not less. To add to this confusion I was initially quoted approx {$1200.00} for the new program. 

On top of this I just realized that they added over {$43000.00} to my loan balance due to interest capitalization from the switch over of my loans. This was never explained to me and I would never had agreed to a switch if I new this would happen. 

When I spoke to a supervisor from XXXX the only option he gave me was to continue with the new repayment program and they will try to correct the {$8000.00} and {$3600.00} payment owed. They would not be able to correct my loan balance and the {$43000.00} in loan capitalization would remain applied. 

I am not sure if this is fraud or incompetence. I just want to be in the same program I was prior and back at my original loan balance. I am not sure what to do and I am at a lose. 

I would appreciate any assistance you XXXX be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: AL
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:
N Accordance with the Fair Credit Reporting Act. These following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX. XXXX XXXX # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX Has Violated my Rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
N Accordance with the Fair Credit Reporting Act. These following accounts 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 Has Violated my Rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, 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:
Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under XXXX XXXX XXXX, even though each time companies report it, they can not verify the information. I will be including XXXX XXXX XXXX in this complaint and a separate one for a debt collection violation.

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.

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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
During the time period about May 1-5, 2021, Transunion received, approved for posting, and did post a large number of derogatory credit reports from an outfit that styles itself XXXX XXXX XXXX XXXX XXXX XXXX, including a derogatory posting to my credit report. On information and belief, this data dump is comprised entirely of fraudulent postings and/or illegal debt parking of transactions that are barred by the Fair Credit Reporting Act from collections. 

Transunion was twice informed in my particular case that the posting was erroneous, and Transunion affirmatively declined to take mitigating action. 
An XXXX search reveals hundreds of other identical complaints in the same time frame. 

It may be significant that other credit reporting agencies did not post reports from XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX claims an office address XXXX California XXXX XXXX, XXXX CA XXXX. This appears to be a mail drop. A business entity search with the California Department of State indicates XXXX XXXX XXXX XXXX XXXX does not operate lawfully in California as a domestic or foreign corporation, nor has California statute regarding registered agent for service been obeyed. Similarly, XXXX XXXX XXXX is not authorized to undertake collections activity in the state of my residence, Maryland. 

I believe that the overarching purpose of these activities is to effect a conspiracy of extortion, wire fraud, and deriving from those felonies, racketeering in violation of federal and state laws. 

It is believed that the stealth described herein is in furtherance of racketeering activity by Transunion and " XXXX XXXX XXXX XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America. 

Hello, I have been a long time customer of BofA. 
My credit card number ends with XXXX. 

There has been a fraud in my credit card account. This is a fraudulent charge by the XXXX XXXX XXXX. 
I reported this to your Bank. Your customer service has been rude. They have not corrected the problem. 
After I noticed the fraud, I immediately canceled my subscription to the XXXX XXXX XXXX as noted below. 

You can see all this in the Credit Card Statements. 

XX/XX/XXXX DUPLICATE CREDIT : {$24.00} Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Fees Reference number : XXXX Merchant Name : get more information about merchant name change XX/XX/XXXX DUPLICATE CREDIT Select to Edit the merchant name Transaction Category : get more information about transaction category Online Purchase : N Proof of cancellation : : - {$460.00} XXXX XXXX XXXX XXXX  Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX  Merchant information : XXXX, MA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX Transaction Category : get more information about transaction category Shopping & Entertainment : General Merchandise Online Purchase : Y The amount that says " XX/XX/XXXX Duplicate Credit '' should be removed. 

It is either a mistake on the part of the XXXX XXXX XXXX or it is an outright fraudulent charge. That is why I canceled my subscription as noted above. 

If you don't credit my account with {$24.00}, I am going to cancel my Credit Card with Bank of America. 

I have other credit cards, including one from XXXX XXXX. 

I do hope you will promptly credit my account. 

Best Regards, 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 monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
COMPANY NAME RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX MI XXXX Reference # XXXX letter date XX/XX/2022 Balance {$5800.00} they want to suing me to collect this debt that was legal time limit [ statute of limitation ] have expired. It is a violation of the fair Debt collection practice Act 15 U.S.C 1692 to sue to collect a Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I REPORTED THE ( 3 ) FRAUDULENT ACCOUNTS FROM CENTRAL FINANCIAL CONTROL ACCOUNT NUMBERS XXXX, XXXX, XXXX WITH MY LOCATE POLICE AND CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I provided the company a new address and sent them an email over 2 weeks ago stating that I am in an MST zone, however they still continue to contact me outside of the guidelines. I just received a call at XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We moved into XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Due to financial hardship, we had to move out before the lease expired because the landlord filed an eviction notice against us in court. on XX/XX/XXXX, we vacated the apartment with 0 ( zero ) balance and all the fees paid thru XXXX XXXX Superior Court. A month later I received a letter that stated that I still owe {$36000.00} in rent since I am legally responsible for it through XX/XX/XXXX. 
I contacted the manager of the property and was notified on XX/XX/XXXX that my former apartment had been already leased and I will get an updated bill soon. The updated bill came in 2 months after we moved out and the total amount was {$6500.00}, which is equal to 2 months rent. Yet the apartment was vacant for less than two weeks.

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