BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
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:
XXXX  XXXX XXXX mortgage loan, was transferred to Carrington mortgage company. Both companies are reporting incorrect information on credit reports. XXXX  XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to Carrington. Carrington is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. Carrington had not updated their own system, so we had no account number for them to take payments. Our XXXX  loan was still considered the payment company and put our payments in a escrow account, until Carrington had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was completely taken advantage of. I am so glad that I finally took the step and enrolling into a university its very confusing but I understand and value all. I have had a very rough but fun life. I have been everywhere. But the collateral damaged produced by Bank of America , Banc of America, Merrill. Is by far the most damaging and destroying element to ever face me. Student on the journey to gain a higher education. As I pledge allegiance to the flag of the United States of American and to the republic for which it stands one nation, under god, in divinity, liberty, XXXX for all.

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 2018-11-06
Company: Receivables Management Partners, LLC
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: Investigation took more than 30 days

Complaint:
I have called the collection company ( XXXX XXXX XXXX ) many times over the last 30 - 45 days. I requested a copy or proof of the debts they had in collection and was assured they would order the records. I never received them. I have called back to speak to a manager several times, left a few messages to no avail. I did call on XX/XX/2018 a total of 4 times to speak with someone regarding this. I spoke with XXXX who said all she could say is they mailed them. I never received them. I am frustrated that it is taking 45 days or more for any action to verify the debts and I want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Consumer Adjustment Company Incorporated
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
The company calls or texts repeatedly. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and FMS Financial Solutions are committing multiple criminal acts by attempting to collect a false debt. Recently FMS Financial Solutions with the assistance of XXXX credit reporting agency, disguised FMS Financial Solution as a bank in order to pull my personal information and place a hard inquiry on my credit file as if I applied for a line of credit ( XX/XX/XXXX ). This is a direct violation of the FDIC, FDCPA and FCRA. This is proof that XXXX is engaged in criminal activity for profit and gain. Litigation is forthcoming for sommer of XXXX. I demand this tradeline and hard inquiry be removed immediately in order to stop XXXX from being engaged in this type criminal behavior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Green & Sons Agency, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Outsource receivable debt collector for XXXX XXXX. With full knowledge that I'm a victim of identity Theft and that I'm not responsible for their errors in posting deposits on checks written to me for sale of my property, saying the checks cleared and I can withdraw funds as needed!!!! Later starting investigation, having the police speak with me, finding I'm the victim of a scheme. Then contacting the bank, being promised the debt will be CANCELLED.!!!! None of the above was ever done clearing MY NAME. WHICH IS VIOLATION OF MY CIVIL RIGHTS,, INCLUDING THE 8TH AMENDMENT.!! I NEED HELP SUEING ALL PARTIES.!!!! TRULY, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute after my card was stolen XXXX. Once for XXXX XXXX and another time XXXX XXXX  back to back. The bank chime did not issue a credit with a police report and documents attached. I want a refund to my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX ( Exceptional ) XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I kept getting emails from TransUnion about being in debt so I signed in and there is a credit card that is being used under my name, but I do not know with what company so I cant call to close it

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, XXXX XXXX XXXX, a XXXX Male, command Transunion to unblock me from viewing my updated credit profile with the debt report and score in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for Transunion to discharge any errors or obstructions from my 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 2023-04-30
Company: Chime Financial 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:
Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

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 2018-11-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a Care Credit ( Synchrony Bank ) user for many years. It's specific use is with doctors, dentists, etc who participate in providing a zero interest payment plan for 3-6 months. 

I received a new plastic card in late XX/XX/2018. I thought it was a replacement card for my current card and I called in to activate it. A day or two later, I was getting alerts from the credit bureau 's regarding my score changing & inquiry. I checked with them and found out it was Synchrony Bank. I then called Care Credit/Synchrony and found out this is not a replacement card - its a new card that works as both a Mastercard and the Care Credit ( a dual card ) and my Care Credit card was closed. I do not want this Mastercard and they are not able to switch it back to my regular Care Credit card, even though that card is still available. My credit report now shows a closed card and a new Mastercard opened with a credit line. My score dropped a few points. 

I was told a letter was sent out previously that spoke about this card and that I had to OPT OUT of this new card if I didn't want it. I don't remember getting this letter, and if I did, probably thought it was a solicitation. It did not state Action Required. This is deceptive advertising. It should of been an Opt In to receive this new card, not an automatic exchange since my basic card was still valid. Not to mention, if I wanted a new charge card ( which I don '' t ) I would not of picked this one. 

Again, this is deceptive advertising. New updated cards, especially with identity theft so prevalent, should not be automatically sent to customers unless they specifically ask for them. Bottom line, Synchrony Bank sent upgraded cards to people who did not respond to their notice. This should never happen. It should be the other way around, opt in to a new card. If this never arrived in the mail, and was intercepted/stolen I would never have known it until too late. 

I'm attaching the letter that the plastic card was attached to. I omitted my personal info.

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 2023-04-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
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:
XXXX XXXX Bank this is the first notice. Remove my personal information from Chexsystems. I have not consented to have my personal financial information furnished/shared with any non-affiliated 3rd party companies. This is a clear violation of Gramm-Leach Bliley ACT against I, the consumer. How are you all safeguarding my personal information? You can not share consumers information with non-affiliated companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Security National Automotive Acceptance
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
SNAAC has been charging me late fees of XXXX per month and somehow is saying the late fees are now equal to {$490.00} but I have been charged the late fee in the monthly payment. They are also stating that the {$420.00} repossession fee is the third party fee for calling the company to pick the vehicle up. After talking to the third party they stated they have no set fee however SNAAC is still not removing the fee. They are overcharging me on the payments and then still charging me late fees

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 2023-11-09
Company: Turning Point Solutions LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Has not addressed their own violations. 
MICHIGAN REGULATION COLLECTION PRACTICES ACT 445.252 ( e ) + ( g ) + ( o ) FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d ( 2 ) + ( e8 ) + ( e10 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Alleged debt was purchased by this collection company and on XXXX  I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking LVNV and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent in Information to Dispute 2 creditors listed below : XXXX acct # XXXX XXXX acct # XXXX And did n't receive any information nor documentation that the Items were verified, but a letter from Transunion stating that the creditors will remain ion my report. I sent the same letter to XXXX and these Items were removed from my report. attached is a copy of my 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