BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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 2023-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  sold my mortgage to XXXX on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX  sent the payment to XXXX. Then the next month when XXXX  received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX  at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have XXXX reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to XXXX  and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As of XX/XX/2023 I am disappointed with Transunion dispute center. I called in and spoke to a represenative to let her know that there were unauthorized inquiries on my credit report. She responded that the inquiries were " factual '' and had to remain on my credit report for two years. I explained to the rep that these were not created from my doing. I tried disputing these items online but to no avail the system wouldn't allow me to do so either. I have filed a FTC complaint and i am asking for these items to be removed immediately from my credit report. The report number the represenative gave me was 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 2023-01-18
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 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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-03
Company: Credit Corp Solutions Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX informing me of a debt owed to " XXXX XXXX for {$25.00}. Around the time that I received the letter I contacted XXXX to confirm that this is not the case, and they did confirm that my account is active with no negative balances or collections on it. At that point I decided to just drop the issue. Today XX/XX/XXXX I was clearing out my filing cabinet when I discovered the letter and decided to follow up with the debt collection company to see what was going on. I contacted Credit Corp Solutions on XX/XX/XXXX and informed them that this debt is not valid, that I have contacted XXXX and they have informed me there is no debt owed to them, nor is there a debt in collections. The representative did not believe me and instead told me I can pay the current balance or complete a fraud form. I then contacted XXXX once again on XX/XX/XXXX to confirm I have no balance, I talked to about 4 representatives who all confirmed there is no negative balance on my account, nor is there any collections for my account. I would like to formally complain about Credit Corp Solutions obviously fraudulent business practices. If need be I will obtain a lawyer to follow suit against this company to hopefully expose and prevent the fraudulent business practices this company partakes in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NV
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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: CA
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 was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX ( Accounts listed below ) on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that these Student Loan accounts be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$15000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3700.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3500.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical account {$470.00} from XXXX XXXX. I received only XXXX texts message in the past 2 month. I was totally surprises as I contacted XXXX and it was a billing issue. I contacted XXXX as well. When I received a test message from Wakefield Assoc, I was floored. I called immediately, said I would dispute as is a XXXX account and per XXXX it was billed incorrectly. I have no other insurance. I received the XXXX text message and called XXXX. I then submitted a formal dispute on XX/XX/22. No response from them, no phone calls, no text messages after that. Nothing, they never called me in person, never sent me mailing via XXXX, nothing. only XXXX txt messages. I explained all of this. When I called XXXX, they said they purged from system, and it would be timely filing now. This charge was erroneously billed to me, and certainly incorrect. Now it is reported on my credit. How can they do that with only XXXX text message, no phone calls, no other contact. AND I submitted a DISPUTE on XX/XX/22. Please help Collection info below : Wakefield $ Associates XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Account XXXX REF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged assuasive amounts of fees and it cause my acct to be overdrawn and I could not pay for it. All fees should be refunded back to me and the negative impact on my credit should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XX/XX/2022 XXXX XX/XX/2022

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 2023-01-03
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report I found an entry on the report from a debt collector which goes by the name of SUNRISE CREDIT SERVICE XXXX. Their address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX company is also listed on my credit report. There phone number is XXXX The original creditor is XXXX XXXX  I was informed by a man from XXXX XXXX, which is a company that assists consumers correct inaccurate information off of their report, that a DEBT COLLECTOR can not collect this debt. He actually informed me that this practice of trying to collect this debt in their name is against the law, XXXX. I would like a response from this company justifying by law and preferably through the FAIR CREDIT REPORTING ACT. How their actions are justified. I am also demanding that it be removed from my credit report. I would also like to know who at the XXXX XXXX XXXX allows this information on the reports and how does it get added to consumers reports. Who grants the authorizations for the information to be placed on consumers reports.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: PA
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:
I asked XXXX XXXX XXXX account number XXXX for a investigation with my local attorney general office to look into my investigation because under 15 U.S.C Sec 1681 ( a ) all inforation should be 100 accurate and never received proof of investigation and I was sent information thst the account was in fact deleted and when I UPDATED MY CREDIT REPORT THE ACCOUNT WAS STILL THERE.I have proof from attorney general office of that I attached.

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 2023-01-03
Company: EQUIFAX, INC.
State: IL
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 recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from XXXX AND EQUIFAX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to XXXX credit bureau via XXXX mail # XXXX, EQUIFAX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: MOHELA
State: VA
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:
I have been working with Mohela for a year after my loans transferred for fed loans. I have been told very different things every time i call. For the first 6 months i was told my public service loan forgiveness employer certifications would transfer from fed loan. Then i was told it was lost. Then i was told it was on me and i should have recertified. Then i was told the paperwork i did submit was sufficient. Then i was told it wasnt. Then it was. Then it wasnt. Then it was and it was approved in XX/XX/2023 and they still havent updated my payment count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 explanation
Consumer complaint received 2023-01-04
Company: BlueChip Financial
State: ID
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 paid off this loan in XXXX of 2019. I have provided a document stating that it was paid off. This company has sent this same bill to numerous credit collection agencies and there is a new one calling daily. I keep disputing it and show the statement and they still refuse to stop the collections and to stop having different agencies contact me. The credit reporting agency is not even attempting to take it off my report just keeps saying its valid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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:
I have reached out to the three credit bureaus XXXX, Experian, and XXXX to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: LA
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:
I have reached out to the three credit bureaus XXXX, XXXX, and Equifax to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So I really don't remember the date 's that this all started but I am sure I can go to the bank and get the day and year that they started taking this amount out of my account, but some gentleman called me from place called XXXX and stated that he could help me lower my student loans. He could set something up to where if I could pay this XXXX every month straight out of my account, they would take this amount and put it right towards my student loans. So I was excited and I believed it. I thought that this was actually happening. I thought XXXX was taking care of everything for me. It sounded and looked real to me. All of these student loan places call me all of the time. I never know who to believe. But I actually believed him this day. But apparently I got scammed this time. So now I've been out XXXX XXXX XXXX I've been paying someone XXXX every month for at least probably 3 year. So close to XXXX that I could have either saved or actually put towards my student loans, or towards medical bills that I have from having XXXX. The now mental anguish these people have caused me the stress they have caused me, and the debt they have caused me. So now what do I do? Where do I go from here? 
Please tell me what to do.

Company response to consumer: Closed with explanation