BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-02-24
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affirm is trying to collect on a debt that was a result of identity theft. I'm uploading my affadavit and I have sent them a copy of my lease which is too large to upload here. The merchandise they say was purchased was sent to an XXXX  address and I have lived in XXXX  since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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 am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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 regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX unauthorized charges on XXXX : {$900.00} - XXXX : {$900.00} and XXXX : {$210.00} was charged at a XXXX in Georgia. With an inactivated card the bank was supposed to send to me because my current card was inactive. I live in Florida and was not in Georgia. My card was not stolen as the agent implied. The new card never made it to my home. Wherever the bank mailed the card to ... the person at that end activated the new card with an unauthorized phone number and pin to make the transactions mentioned above. The bank will not disclose who or what number was used to activated the card. I filed a police report and submitted requested documents by the bank and they are still denying to refund my stolen money.

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 2021-02-16
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I write in regard to my former Best Buy Credit Card held with Citibank. I opened the credit card on XX/XX/XXXX with XXXX XXXX  and consistently paid the credit card on-time through automatic payments. Apparently, in XXXX, XXXX sold the Best Buy Credit Card portfolio to XXXX, and then in XXXX, XXXX sold the Best Buy Credit Card Portfolio to Citibank. ( SeeCitibank Press Release from XXXX, available at XXXX XXXX XXXX ). 

The reason I mention this is because when my credit card account was transferred from XXXX XXXX to Citibank in early XXXX, the processing of the payments was shifted to a new website. But in the transition process, my automatic payments that I set up previously for my Best Buy account did not transfer over despite my belief that the automatic payments would still be made. Additionally, at the time of the transfer, I moved addresses from XXXX, NJ to XXXX, NJ. As a result, I did not receive notification that automatic payments were not being made on the accounts. Consequently, my account became 120 days delinquent. It was only when I was contacted by a debt collector over the phone that I learned that the automatic payments were being made. Worse yet, the debt collector called my grandparents telling them that I was delinquent on a debt. It was obviously an attempt to embarrass me with my family and I was appalled that Citibank would contract with a debt collector who would engage in such tactics. 

Upon learning of the mistake, I immediately made arrangements for automatic payments to be made. But for some reason, the debt collector stop collecting the automatic payments only to begin harrassing me and my family members again with calls that I was not paying my debt, when I gave them all of the information necessary for direct deposits. Even though the debt collector messed up in collecting the debt, the account went into delinquency. 

By XX/XX/XXXX, I paid off the outstanding {$2200.00} debt Citibank Debt IN FULL including any and all late fees. What frustrates me though is the entire thing was caused by a less than seemless transition from XXXX XXXX  to Citibank XXXX which I did not consent to ), and by the harrassment of the debt collectors. The negative information has remained on my credit report for over six years now, even though it has been over four years since I paid the outstanding balance in full. Moreover, Citibank has not reported any new credit information on the account since XXXX of XXXX. Quite frankly it is outrageous that Citibank engaged a debt collector that engage

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 2023-02-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Novad Management Consulting LLC
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have an XXXX reverse mortgage that is assigned to NoVad Management Consulting. 
I have been requesting an account statement for at least the last 3 months with no response. XXXX was the previous servicer and I received regular statements from them. I need the statement to evaluate the possibility of refinancing or paying off the loan. 

XXXX XXXX XXXX FHA Case # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report and credit profile and was denied even after providing correct answers to all questions. 

Please send my Credit Report and Credit Profile.

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 2023-01-05
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 2021-04-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am writing this letter because I have a problem with XXXX and BMO harris bank because none of these tried to help me and I dont know whats going on I made a deposit in BMO bank for my broker " XXXX '' like two weeks ago when I was in XXXX visiting my family and the problem is that my broker " XXXX '' didnt accepted that deposit I mean they dont accepted the deposit that I made at the bank BMO HARRIS BANK XXXX and they told me that the money was given back but I dont know how is posible because I have no account with BMO I just made a deposit in cash and that is it SO XXXX WHO I made the deposit for SAYS there is no money at my XXXX account and BMO says that the money ( {$2400.00} USD ) is in my XXXX account and they can not give me back so I dont know what to do because I already returned to XXXX and is complicated for me to go back to USA so if you can help me it would be really usefull please

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 2022-03-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER XXXXII of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 14 days if my demands are not met. This is not a negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My timely mortgage payments have not been credited since XX/XX/2021. I have paid these on time and gotten confirmations, then learned the next month that Bank of America did not record them. This has happened repeatedly and each time I have submitted proof ( cancelled checks, confirmation for electronic payments, etc. ) and spoken at length to customer service representatives. Once the payment was credited to my credit card. I have challenged the adverse credit reporting through those bureaus : Bank of America simply denies it despite the evidence. 

After a flurry of odd activity on my account last month, I called Bank of America again to inquire what was going on. Its representative insisted there was no late payment reported. Today my credit report shows they reported my XXXX and XX/XX/2021 payments as late. I have confirmation from my bank that these were submitted on time. 

I believe this is happening because I told Bank of America I need to refinance my home ( I'm paying nearly 6.5 % interest ) This is how they are preventing that, because my credit union will not refinance when I have allegedly missed mortgage payments. I have been a long-time customer, have always paid my mortgage on time, and have spent DOZENS of hours on the phone trying to make this stop - but nothing I do makes any difference. My equity is significant and- but for these false reports - my credit is good. 

I don't know what else to do. This has gone on nonstop since XXXX, no matter what I do. They have my money and at the moment show I am current, but that has regularly changed without warning and I am back to calling, writing, challenging the credit reporting- with solid proof that indeed they got my mortgage payments on time.

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 2023-11-22
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX on behalf of Transworld Systems contacted me at work at my work number. I have never given them or anyone permission or my work phone number to call me at my office. I instructed them to never call me again at this number.

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 2023-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXXe Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: MS
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Upgrade, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On Wed, XX/XX/XXXX, I applied online for Upgrade 's XXXX and Rewards Checking account. My application ( which DID NOT ask for my social security number for some reason ) was denied. One of the reasons was " delinquent payment of an installment. '' I DO NOT HAVE any installment plans, loans, etc. 

I called Upgrade to get the phone number of XXXX who supposedly provided my credit report. XXXX confirmed that there are NO DELINQUENCIES of any kind on my credit file. They also confirmed that there was no inquiry from Upgrade on the date in question nor did I receive an email from XXXX confirming the inquiry as is the norm. Additionally, I've had longstanding fraud alerts with all 3 credit reporting agencies and no one called me to verify if I had applied for Upgrade 's credit line XXXX. Furthermore, my XXXX  score is over 800 and I make $ XXXX. There is no reason my application should have been rejected. 

The only conclusion to be drawn from this is that Upgrade received a credit report from another individual, not mine. 

I spoke with Upgrade 's reps who were sympathetic and understanding and also admitted that they have heard of similar problems from other applicants. But there was nothing they could do except tell me to apply again. That is a waste of time. 

I want an empowered Upgrade employee to call me who will obtain a proper credit report and figure out a way to open the XXXX and Rewards Checking with {$200.00} cash bonus.

Company response to consumer: Closed with explanation