BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I sent letter to Experian on XXXX which was received on XXXX. Experian responded by saying that my letter was considered " suspicious correspondence '' and that no disputes will be initiated. I will be sending a follow up letter with proof to show that this is a legitimate ask. At this point, it has been XXXX days and nothing has been done yet outdated items remain on my credit report, negatively impacting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: Adela, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They not only have called my personal phone but have called me plenty of times at my job. They keep calling me bout once a week at my job. No matter I tell them not to contact me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Malcolm S. Gerald and Associates, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has been going on for months. By example, from XXXX until today, a company called MS. Gerald, XXXX, XXXX has called 8 times. 

Each time I pick up the phone and say hello, the call terminates. 

Tonight I called there number back XXXX. The rep was not forthcoming demanding personal information from me while I was demanding the legal address and the name of the owner from him. Once provided, he advised that if I gave him more information that he would then transfer me to whomever was researching a collection debt. 

My FICA is in the mid XXXX and I have no outstanding issues that I 'm aware of. 

It would appear that their tactics are to call and hang up until the consumer takes the initiative to call back and then can fall into some kind of trap providing additional personal information. 

After a few expletives i hung up. I 've not gotten any written advises or communications inquiring or informing me of a debt - period!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I keep logging into my XXXX NFL card to make a payment and see my balance. I have never missed a payment. I login with my autosaved credentials and receive the message, " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I call the number and am received by a person in a call center in another country ( feels like fraud. ) I go through the verification process and they state that, " The NFL Portfolio has been purchased by Comeity Bank and I need to call the number XXXX for support of this account. '' I call the number and the computer states, " we are experiencing technical difficulties, please try again later. '' I do not care who owns my debt. I do not want to be monetarily penalized, mu interest rate affected, or have my credit affected because they are disorganized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
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: Information belongs to someone else

Complaint:
Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2.

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/XXXX  debt of {$780.00} was placed on my XXXX  and equifax credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through XXXX and Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband had me listed as an authorized user on his XXXX XXXX card for a couple of months and I asked to be removed from it, as I did not apply or ask for it. XXXX XXXX and Experian have both refused to remove the history of the account from my Experian Credit Report, thus causing irreparable damage to my ability to apply for a specific credit card, due to too many new accounts being reported. In addition, the card is erroneously listed as being opened on XXXX XXXX. XXXX, but was actually opened back in 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 2022-05-29
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus stated account name and account # XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. this is ground for removal. they also violated my rights under 15 U.S.C 1681 section 604 A Section 2 ; The law clearly states a consumer reporting agency can not furnish a account without my written instructions. they also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( A ) ; The law Cleary states the credit bureaus have 5 days to notify me from when they receive my disputes. they also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). the law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC 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 2022-09-16
Company: EQUIFAX, INC.
State: PA
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:
I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Requested credit report from TransUnion. Upon receipt of report, found XXXX items ( i.e., liens ) on the report which did not belong to me. I obtained copies of court records showing that the XXXX liens reported by TransUnion on my credit report were not mine but, rather, they were liens belonging to other individuals. I contacted TransUnion and filed a dispute, file # : XXXX, with them. I also faxed to TransUnion the copies of court records showing that the liens were not mine. Nevertheless, TransUnion removed only XXXX of the XXXX erroneous entries on my report. To make things worse, TransUnion instead deleted a positive record from my record ( a bank loan, " never late '' and paid off ). Are these people idiots?!!!

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 2022-05-29
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I reported this creditor to CFPB a couple months ago. Not only are they ignoring CFPB 's investigative request, but they are back at it reporting negatively on my credit reports. Bottom line is there was fraud on my account someone changed my address with this creditor without my knowledge. I report the unrecognized charge they close my credit card and they refuse to send me a statement of what I owe and what charges were made. My online account has a zero balance that they have now locked me out of. That's okay because I took a screen shot of it figuring they were going to try to cover up their wrong doing. A week or two ago they completely closed my account and notated closed by consumer which isn't true. With everything they screwed up on this account is it to much to ask for an accounting of what they are saying I need to pay. Twice now they have damaged my credit score. Isn't there a regulating government agency with some teeth that can fine or legally go after this company for all these ridicules shenanigans and damages to my credit. After several attempts to have anything sent to me from this creditor I asked if they could overnight information seeing how you can't get it to me by way of USPS and I was told they don't do that. I said even with all these extenuating circumstances and I was still told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2016 I submitted Identity theft papers to XXXX consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX XXXX and XXXX 's which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX 's a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
When I pulled my XXXX credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are Pentagon Federal Credit Union and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.

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 2017-04-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 'm submitting this complaint due to the lack of concern for the consumer by the credit reporting agency. I sent a copy of my verification to include State drivers license and social security card and requested that my personal info be updated and told the agency which names need to be removed. They continue to report XXXX as my name. My name has never been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: LOAN TO LEARN
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This loan provider continues to report negatively on my credit report. All of my other loans have been able to be deferred when I was in school, apply for a income driven repayment planned and or have a forbearance. This company has made it increasingly hard for me to reach anyone with regard to my account and making it become available. When I first called they told me that it was reassigned to a lawyer in Massachusetts. When I called them they were not able to give me any information about my account. The next time I called, they told me that my account had and reassigned to a lawyer in Tennessee. When I called them they were not able to give me any information about my account. The last and third time I called, I was told that it was reassigned to a lawyer in Tennessee, XXXX When I called them they were not able to give me any information, instead they said my account was reassigned to a company called EduCap. They gave me a phone number and when I called the phone number was not in service! I do n't know what I 'm supposed to do in terms of paying it off if I ca n't reach anyone yet, Loan to Learn continues to report missed payments to the credit bureaus and Educap did not have a working phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion is reporting a judgement that does not belong to me. I am being violated and I do not approve of this violation. I was forced to pay {$1300.00} to settle this debt that did not belong to me and in order to remove this derogatory item and STILL TransUnion refuses to remove it after XXXX and XXXX has both removed this fraudulent item. My entire correspondence with TransUnion has been through certified mail for the last several months.

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 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for two years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: VA
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:
This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Equifax. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX PROFESSIONALS, L.L.C. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the equifax data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Equifax and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
found scrivener 's errors, legal descriptions and index numbers x XXXX, of property that was sold at sheriff sale, does n't match what 's on original warranty deed, legal description, transfer stamps nor current property tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CITIBANK, N.A.
State: NY
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:
This is in regard to a billing error on my AT & T Universal Card  account ending in XXXX that have never been handled properly by your dispute department. 
I purchased a XXXX airline ticket on XX/XX/XXXX for {$5000.00} with my AT & T Universal card. The ticket was later cancelled and a request for refund was made. The issue of the refund was confirmed by XXXX, and they mentioned that the refund may take up to 2 billing cycles to post back to my credit card. After waiting for 2 billing cycles, nothing post to my account, even until now. 
I reported the missing credit to Citi on XX/XX/XXXX. They opened a dispute case XXXX and asked for support documents. Then on XX/XX/XXXX, they send me a letter saying that they were unable to help, due to the age of the charge, which they meant they need my dispute to be reported to them within sixty days of the merchants charge on XX/XX/XXXX. 
The fact is that the charge on XX/XX/XXXX is a valid charge and I am not disputing that or ask a chargeback from the merchant. According to the merchant, they had issue a credit but that credit somehow did not show up in my account. Since that credit takes up to 2 billing cycles to appear, I waited to dispute it until I received my XXXX statement when did not see the credit. 
According to the Fair Credit Billing Act USCODE sec1666 section ( b ) ( 4 ), billing errors include The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. This is not the same thing as asking for a charge back from the merchant. And the dispute was made within sixty days when I can tell there was an error. 
Your dispute department did not seem to understand this at all. I have experience with them keep saying for half a year that merchant has issue a credit whereas that credit was never found in my account. 
I hope you can explain to me whether you have receive a credit from merchant while the merchant had confirmed that have issue a 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 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation