BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce.

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

XXXX  XXXX  has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.

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 2023-04-23
Company: EQUIFAX, INC.
State: NY
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:
THEY KEEP GIVEN OUT MY INFORMATION TO THESE COMPANIES AND PUT THEM ON MY CREDIT REPORT WITHOUT CONTACTING ME FIRST WHICH IS AGANIST THE LAW HAVE NO CONTRACT WITH THEM PLEASE PRODUCE A CONTRACT WITH MY SIGNATURE ON IT OR TAKE THIS OFF AGAIN AND DO NOT PUT IT BACK ON THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period

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 2023-10-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well their inability to report accurate information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my XXXX XXXX. I am victim of Identity theft and the accounts I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed accounts completely from my Credit report and insisted that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed accounts completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following accounts deleted immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/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 2023-09-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit 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:
I purchased a shelving unit for a total cost of {$190.00} on XX/XX/XXXXXXXX   the next statement I paid {$60.00} which was posted on XX/XX/XXXX. The next statement I paid it off which consisted of the balance for {$130.00} plus interest of {$2.00} totaling {$130.00} which was paid on XX/XX/XXXX. On XX/XX/XXXXXXXX  I receive a statement in the mail for a late charge for {$30.00}, I immediately pay it thinking was I late back then? I than check my statement & realized I paid that off on XX/XX/XXXX. Per my statement an interest charge of {$2.00} was added on XX/XX/XXXXXXXX  after the loan was paid off. They continued to charge me monthly for interest & late fees which is how that {$30.00} was accumulated. I called & after several attempts I finally got customer service. I immediately requested my account to be closed & I was told they would send me a refund for the overpayment of {$30.00}. A week or so later I received a check for only {$8.00}!!! I did not bother calling them for the {$22.00} they still owed me as my account is now closed so I wrote it off as a loss. Its now XXXX & suddenly I now owe them {$62.00}!!!! I believe that when they only refunded me the {$8.00} dollars they kept the {$22.00} as a balance owed on my account which allowed them to accrue charges on my account that I am no way responsible for. This is XXXX XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: Lennar Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, mortgage documents were executed with Lennar Mortgage/Lennar Homes . We were deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The actions of Lennar Mortgage/Lennar Homes are depreciating our home value and that of every owner here. They have violated State of Arizona and Federal Consumer Protection Laws. 

# 1 - Fire Codes : Lennar did not disclose to us as buyers the red paint and stencil now painted throughout the community. They did not disclose to us as buyers the fire authoritys requested monument or commercial-like design of this monument in scale and appearance for planned install at the front of the community by our main amenity ( playground ), which is shared by both condo owners ( 138 ) and single-family owners ( 181 ) within XXXX [ one gated community ]. Lennar did not request any kind of exception to fire signage from the fire authority ( e.g. one side of the street vs both sides ). They installed excessive fire signage ( closer than the required 75 ) throughout the community unlike any other community in the county including those built by them also. Lennar did not disclose the option for fire stencil on the backflow units at the front entrance of the community. They instead installed signage negatively impacting the landscaped area and overall appearance of the main entrance/exit road to/from the condos. All changes to the community referenced above were done under Lennars easement rights following completion of construction. These changes have fundamentally changed the look and feel of the community in a manner that was deceptive. Many homeowners like myself have stated they would not have bought their condos with the community showing as negatively as it does now. 

# 2- Other Deceptive Practices : Lennar did not clean streets of construction debris, dirt and markings as promised XX/XX/2022. They did not resurface or seal streets as promised following completion of construction XX/XX/2022. They did not turn over final landscape area acceptably at the front entrance/exit road of the condos.

# 3 - Easement Damages following completion of construction : Damages to landscape by Lennars landscape contractor. Damages to landscape and underground landscape water lines ( additional impacts to underground utilities not yet known ). Concrete over-poured above ground on many signs. Concrete repair areas left unrestored to their original state. Front pavers left for obvious repair and burden of work passed to the maintenance-responsible association.

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 2021-10-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2021, I applied for an XXXX credit card because they were offering a promotion. I filled out the application and submitted it but never got a response of any kind from them. They never told me I was denied or anything. Nothing. All that happened was the inquiry appeared on my credit report and dropped my score. That doesn't seem fair at all especially considering I already have a credit account through the same company.

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 2022-11-18
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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, 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 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 2023-02-25
Company: EQUIFAX, INC.
State: FL
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:
This person Is reporting late payments to XXXX, Equifax, and XXXX without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX account number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX  Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Portfolio Recovery Associates. In XXXX of XXXX, I became aware that Portfolio Recovery had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation validating this debt in accordance with the FDCPA. It became clear that the account numbers were inaccurate between the bureaus and Portfolio Recovery could not produce a signed contract after multiple reinvestigations. It was so egregious that XXXX removed the account from their report due to this companys refusal to follow the law. Over the past two and a half years, I have given them multiple opportunities to validate this debt and they failed to do so. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, Portfolio Recovery Associates expressed their intent to violate state law and continued collection action on this debt. This is not new behavior for Portfolio Recovery, as evidenced by the order in XXXX of XXXX where the CFPB ordered them to pay {$24.00} XXXX to compensate victims due to their willful and deliberate violation of the FCRA and FDCPA. This organization has open contempt for the law and those who are tasked with enforcing it. Since Portfolio Recovery Associates has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is the original account And XXXX XXXX is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CONST LLC
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2021 and since then, I deposited {$110000.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  3 days ago, we got an email that they are going out of business and do not allow any withdrawals. This essentially means I am loosing all the money I invested. This is truly a fraudulent schema.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was given a fraudulent or counterfeit check and it got deposited into Wells Fargo and you people absolutely let Wells Fargo destroy me Not only was that a trustee account for my dad everything that came into that account because my father recently passed my money is all over the place I can not get another account and I don't know how I am going to get the government to do something about you I've written all the Senators I've contacted everyone in the government if I didn't know any better I would think you guys are getting paid to ruin people 's life but you won't get back with mine because if it takes every dollar I ever earned I will see you in court and Wells Fargo will not be any more persecuted than you will you XXXX plain and simple you XXXX you need to revamp re-employ and readjust the way you handle people that are frauded because you're not out of a XXXX thing but you ruined my life and through the courts I will get you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear i got claim on XX/XX/XXXX, just have 1 person call me around XXXX and let me waiting another 90days, and after that no one response to me and cliam is compeleted. 
its almost 2 years, bank hold the moeny, as they said will refund back to the labor department, but still no retrun back. bank just hold moeny forevery. also I ALREADY REPORT the 202 taxes form and paid the tax to the government!!! now i need the moeny back. if not i will go to on court for back my menoy, right now like bank of america is hold menoy for themselves never got response!!!! 
everytime like waiting you guys answer back!!! almost 1 year waiting with bank, one year waiting you guys give me answer back! as you guys just finish the cliam with no repoense!!!

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