BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}

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 2022-12-30
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX. I went to XXXX and XXXX XXXX  on XXXX XXXX in XXXX, Ky. to use the ATM to get XXXX offer my prepaid American Express Bluebird card. The machine made noise like it was counting money out but never dispensed the XXXX dollars. I the checked my bluebird account online and they had subtracted the XXXX off of my account even though it did not give me any money. I have contacted the bank and they would not do anything until the got something from my financial institution. I then contacted Bluebird and they have hung up on me after waiting on hold several times, and say I have only 10 days to dispute the transaction in writing they provided with a link to a dispute form and then a link to send it to. I filled the form out and tried the link they sent me but it has no place to send it to I then called them again and they gave me an incorrect email to send it to I found another American Express email and sent it but they have not responded. This is the account I have my payroll check direct deposited on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an unauthorized withdrawal from my EDD Bank of America account on XX/XX/2023. I filed a fraud claim right away and they denied my claim. I uploaded a police report and an explanation and documentation of where I was that weekend of XXXX XXXX on XX/XX/XXXX, and they still denied my claim. It was {$800.00} dollars, and the person who stole my card information was able to check the balance two different times at a 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 2023-05-26
Company: EQUIFAX, INC.
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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX Balance : {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Diversified Adjustment Service, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report I noticed that a collection agency by the name of Diversified Adjustments Service , INC. had reported a debt in the amount of {$710.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 labeled as " Itemized Statement " showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$710.00}. On XX/XX/2018 I sent Diversified Adjustments Service, INC. another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX, XXXX and XXXX XXXX credit file. I have attached all means of communication from me and Diversified Adjustments Service, INC..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
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 would like you to remove all these inaccurate accounts some credit bureaus have entered on my credit report. I never authorized them nor anybody to add these incorrect and misleading items on my credit report. I kept on contacting their department since the month of XXXX  and they never even bother to give me the resolution I needed. I kept disputing these accounts ( see attach letter file ) and still I have never received any progress with my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a theft belonging to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio that is not me on my credit report. My name has never been XXXX XXXX and I have never been charged with theft nor lived at that address. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help 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 explanation
Consumer complaint received 2023-05-26
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... Experian   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX  ) used an agency ( XXXX  ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

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 2021-12-30
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as XXXX XXXX XXXX XXXX XXXX with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. 

This morning, after an additional review of my XXXX and XXXX reports, it was associated with Money Key. I attempted to contact Money Key from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. 

I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: John C. Heath, Attorney at Law, PLLC
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
on XX/XX/2018 i Singh up for XXXX XXXX to repair my credit and after few months i canceled it due to my financial problem, so they messed up my credit score. then i've been trying to build my credit by my own up to XXXX. suddenly they called me last week trying get me to Singh another contract which i said no, then i cheek my credit score next day its dropped XXXX. they did the same thing with wife, her credit score was XXXX and when she cancel its doped to XXXX. please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the 143 million records were stolen from Equifax, I was told that my personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
XXXX XXXX  is refusing to remove an account that has past the 7 year time period for reporting derogatory accounts under the FCRA this is a violation and the account listed below should be removed immediately. 

XXXX XXXX XXXX XXXX - # XXXX. 

This alledged account is reporting a Last Payment Date XX/XX/2016 which is more than 7 years ago. 

Delete this account it too old. 

Please see partial copy of my Trans Union 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 explanation
Consumer complaint received 2021-12-30
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Rocket Mortgage to check on their claims of very low refinancing rates. I did not provide them with my Social Security Number or an authorization to do a hard credit pull on me. However, I found out that they did just that and it lowered my credit score because of other authorized parties and credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: National Bond And Collection Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX of 2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX   and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive XXXX Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX PM. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX collection agency. I pay through the Pennsylvania EPay website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account recently appeared on my credit report, I sent them a debt validation letter on XX/XX/2021 as of today I have not received any documentation to prove these two debts are mine. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: MN
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 filed a dispute trough all three credit bureaus -- XXXX, XXXX and XXXX -- regarding my now-closed Synchrony Bank Amazon Store Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When Synchrony Bank responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When Synchrony Bank responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my XXXX credit file to substantiate my claims.

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 2023-05-26
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Care Credit will not honor a {$3000.00} promotional XXXX XXXX XXXX I was promised. I used it at the hospital for my son and was told it was XXXX. However Care Credit is now saying they swiped it as a XXXX. I could have used any other of my cards for a promo, but this is my HEALTH CREDIT CARD that we have used for over $ XXXX in the past. They are a predatory lender and use misleading information at the hospital and doctors offices. They misappropriate payments when you are on promotional balances. They are bullies and their representatives do not care about their customers

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