BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reporting {$570.00} XXXX bill dated XX/XX/2021. 
XXXX verified there is not a past due bill. I even started new XXXX service XX/XX/2021 at my current address. 
If it was my bill they would have sent me a bill or collection notice. I never received either. 
My score dropped 38 points and I was denied a loan. 

I called Transworld Systems INC on XXXX XXXX and they continued to ask my ss #. They clearly were fishing because they new it wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX  XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX # : XXXX have 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My XXXX XXXX XXXX was totaled on XX/XX/XXXX and I informed Santander of this. Prior, to this happening I made and setup payment arrangements on my account with the maturity date changing on my loan to accommodate these changes. My vehicle was totaled and the other driver and was liable.Their insurance company paid the value of the vehicle.Leaving me with a balance of {$5100.00}. I purchased GAP with the intent of being able to actually use it. Upon, discovering the lender had provided inaccurate information regarding my payment history and being behind in the amount of {$4700.00} GAP only agreed to pay {$540.00} leaving me with a balance of {$4600.00} and I'm continuing to accrue interest daily although the XXXX has been signed over and they've received payment on the vehicle as well.Currently, due to their greed my account is still open and I have a balance of {$5400.00} including interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: EQUIFAX, 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:
XXXX XXXX continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2019-11-03
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was informed XX/XX/XXXX that money would be taken out of my bank account on XX/XX/XXXX if I did not submit in-school deferment forms. 
Faxed in-school deferment forms to Sallie Mae on XX/XX/XXXX. 
Was told by an agent on the phone XX/XX/XXXX there was no record of them ( despite the fact I have a receipt of a successful fax to the proper number ). She directed me on how to upload them online. 
Was told on the phone by a second agent three hours later that the forms were received. 
Was told by BOTH agents on XX/XX/XXXX that absolutely no money would certainly be taken out. 
Money was taken out XX/XX/XXXX. 
Spoke with an agent XX/XX/XXXX who contradicted the two agents I spoke with XX/XX/XXXX. She asserted the payment could not be stopped and denied that XX/XX/XXXX was the date they told me money would be taken out ( which they did tell me on XX/XX/XXXX ). She also told me it was my bank who decided to pull the money then, not Sallie Mae ( which is false ). This agent went on to tell me Sallie Mae would continue to collect monthly payments even if my in-school deferment was approved because I enrolled in auto-debit ( on XX/XX/XXXX ), which is not in accordance with the auto-debit Terms and Conditions. She also went on to say that the other agents I spoke with had no responsibility to tell me that I should withdraw from auto-debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 amount : {$1600.00} + XXXX fees Actions are taken by self To whom it may concern : After reviewing my cedit reports I noticed that you are alleging that the following accounts are negative without furnushing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can furish the validity of the remark. 

I am not in dispute with the ownership of this account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit. 
Under 15 USC 1692b. ( " Acquisition of location information '' ) It states a debt collector can not state that the consumer owes any debt. ( 15 USC 1692b. " ( 2 ) ) Best Regards WithOut Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: PA
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 writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX BANK NA account already and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your company to remove this account from my credit report as a gesture of goodwill. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a problem with my Equifax credit score that I do not understand. My FICO score has fluctuated from XXXX in XXXX, to XXXX in XXXX, and in XXXX it dropped to XXXX. This does not seem right. I called Equifax and spoke to a XXXX. He told me that the reason it went down was because the balance on my XXXX  XXXX XXXX credit card, and XXXX card is over 50 % of my credit limit. This would be plausible had I just made the balance transfers in the past few months, but this is not the case. I made the two balance transfers last year, and my credit score has consistently been in the XXXX range, with the exception of XXXX, 2022. This is because a credit card company erroneously reported that I made two late payments, but I contacted them and they corrected the issue by sending the credit reporting agencies correct information. My credit score, then went up to XXXX in XXXX, and XXXX in XXXX, but in XXXX, my score dropped a whopping XXXX points! There is no viable explanation for this. 

After speaking to XXXX at Equifax, I lost confidence that he would be able to help me. He told me there is no time frame when Equifax will recalculate my credit score. In my mind, it told me that I could be waiting indefinitely for the matter to be resolved by Equifax, so I decided it was best to file a dispute with CFPB because at least with CFPB there is a 30 day time frame in which Equifax has to respond. 

The only negative factors that could have contributed to a drop in my credit score points might have been a change of address that I made in XXXX, 2022, and a credit card I applied for in XXXX, 2022. I should mention that my credit score had dropped already before I applied for the credit card in XXXX, 2022 so the credit card I applied for was most likely not a negative factor contributing to the huge drop in my Equifax credit rating. Other than that, I have been paying my bills 100 % of the time. 

My concern is basically that the huge drop in my credit score is what ruined my chance to get a credit line increase for a 0 % promo balance transfer I needed. 

I attached my credit score, and my credit score history so you can see that it has always been on the high level, until the huge erroneous drop of XXXX points in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Personal information incorrect

Complaint:
Transunion has failed to respond to my initial dispute in a timely manner. it has been more than XXXX days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the XXXX possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).

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 2017-02-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2017, Nationstar Mortgage, without my permission, checked my credit report. I have no idea why they are nosing around in my personal, private credit report and would like to know what gives them permission to violate my privacy. I did not apply for a mortgage with that company. They have no right whatsoever to just check it anytime they want to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for the Florida mortgage assistance fund ( HAF ) and was approved. The letter is attached. It is under the name of XXXX XXXX as he is the resident living in the home. I am the authorized representative. Since XXXX the state of Florida is saying they have sent monthly mortgage payments that Flagstar claims they arent receiving. I have been told by the state that the payments are being sent as one large check and the lender has to credit individual accounts. Despite relaying this to Flagstar, I am being told they have not received any payments. I am being assessed a late fee each month and stuck in a battle between the lender and the state of Florida. Yesterday, I received a notice to escalate. It seems as if the lender is using this to collect late fees. I am aware that the state is sending payments as I know other program participants and have other payments through the program that are being paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, someone used my identity to open a credit card with COMENITYCAPITAL/XXXX They made a purchase of {$640.00}. This was not me and I did not authorize this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/working assets credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable. 

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Privacy and account information compromised.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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