BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying for years to get Transunion to correct errors on my credit report, mainly the reporting of my student loans as having late payments. These loan were not late. They were in approved forbearance. Despite my sending proof of the forbearance they somehow continue to come back as reporting accurately. I do not think Transunion actually investigated some of my claims. I reached out to the loan servicer and I was sent more documentation that the loans were in forebearance and they directed me to the credit bureaus for further disputes ( will upload letter stating this fact from XXXX XXXX. ) I also had the same problem with a loan from XXXX XXXX. I was told that I had a forbearance while the loans were being consolidated and I somehow still managed to have a late payment report. This was so distressing to me that I actually wrote to my state Senator who forwarded my request to the XXXX XXXX XXXX XXXX. I received another letter directing me to dispute with the credit reporting agencies ( will upload letter from Senator. ) At this point who is supposed to fix this?? The student loan companies change so much and buy and sell that they have horrible record keeping. I gave up on this fight for a while until recently because I was just tired. But now I 'm thinking why should I suffer for something I have n't done? I 'm just curious as to how Transunion and other companies investigate. According to Transunion I have had a fraud watch on my account since XX/XX/XXXX orXX/XX/XXXX due to my ex obtaining credit in my name. There is even a XXXX XXXX charge off that I have requested full validation but it keeps coming back as verified with Transunion, although the information did not match with the other two major reporting agencies and was deleted. I am sending every piece of documentation that I have. I am also sending a report from XXXX stating that addresses listed on my report were coming up as businesses and there is a variation of my social security number and it isnt even close to my actual XXXX. I have made some credit mistakes in the past but I have paid my creditors and now these are the only things that remain deliquent on my Transunion report which is why I wanted to address it. Pleas help me get Transunion to report accurate and verified information on my report and remove the things that are erroneous. 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 2019-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: U.S. BANCORP
State: CA
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-09-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
A few months ago i notified Equifax that i noticed there were a ton of inquries on my credit report that i did not authorize. They responded back within a week that they were ACTUALLY MINES. How can you verify all those inquiries within a week? Just how? Mind you i have a fraud alert on my credit report because i felt like someone was attempting to get credit in my name. I checked my report today and noticed i had FORTY SIX INQURIES. FORTY SIX!!! - How? Who 's applying for these accounts? How is my credit not protected even with a fraud alert. Equifax told ME to reach out to the companies. Forty six companies? Really? I am obviously a victim of identity theft. I have contacted my local authorities and filed complaints. Equifax needs to remove these unauthorized inquiries off my report. ALL OF THEM. This is embarrassing that my personal information is easily accessible and i will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked Truist bank to remove PMI from my mortgage as I have an appraisal - they initially said I would need to do a refinance to remove PMI ( which I know is not true ). They have been charging me {$72.00} since I called for my PMI. My loan to value from my appraisal is below 65 % and they have not removed my PMI. 

Truist bank now says they are " reviewing '' a request that was submitted on a date I do not recognize and while I wait they are still charging me PMI. 

When will PMI be removed from my loan as I am paying {$870.00} per year for nothing? Why would they take that money from me if my loan to value is well below 80 %?

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 2022-04-29
Company: LEXISNEXIS
State: IL
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: LA
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 sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.

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 2021-06-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been scammed out of my money when I was promise services I never received. I have contacted the back to tell them that services was never received and to mark the transaction as fraud. The have refused to do so. I had a verbal agreement for services from this so called XXXX  agency to promote my new business and this person con me out of XXXX $ I have all the evidence to show the agreement I have requested cash app cancel it they said no I have requested the funds back from the scammer as well and they declined now Id like my back to mark it as fraud especially they just sent me a letter saying that my card information was hacked so how is all this not fraud. This person is pretending to run an advertising company and its a lie this is fraud we had a verbal agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I changed my account from a student checking account to a standard checking account, I asked to be opted out of the option to overdraw my account. It was never done, and I continue to be overdrawn and charged an overdraft fee. Funds are added back within a day or 2 and Im left overdrawn because of the fees they charge.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.

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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''

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 2017-09-27
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. Experian replied that it was a fraud dispute. I am not going back and forth with Experian about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''

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 2017-09-27
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? Equifax needs to furnish me with a medical release form or remove these accounts. I AM NOT ASKING FOR VERIFICATION OR VALIDATION. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the Imminent default criteria I believe I quality for a modification. Under US Treasury guidelines I should be eligibility for a modification based on XXXX. My daughter was diagnosed with XXXX and has suffered from XXXX XXXX which has left me to care and help her with daily living. I filed a chapter XXXX over 2 years ago and it is taken from my work check biweekly. which leaves me with around {$50.00} to {$70.00} per pay period. I have asked for help from Ocwen and denied.

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 2017-09-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Fifth Third Bank refuses to comply with the Fair Credit Billing Act. 

On XX/XX/XXXX, I mailed my dispute letter ( Exhibit A ) because of billing error. I asked for written proof of purchase and clarification of the {$180.00} in dispute. I was not provided with either one. More than two billing cycles have expired. 

My dispute was denied ( Exhibit B ), XX/XX/XXXX. No documents were provided. 

My reply letter ( Exhibit C ) notified them of their legal obligation under the FCBA. I  attached the dispute settlement procedures ( Exhibit D ). 

On XX/XX/XXXX, I talked to Resolution Dept. Supervisor, XXXX. She told me that the merchant did not send them any records. This meant that they had no obligation to provide me with proof of purchase or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.

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