BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX XXXX, account number XXXX, which has been charge off account. 

I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, 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: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue that ive addressed before an no action was taken. looking over all of the items in question to delete they are invalid on all 3 credit reports. please review an remove the items in questions to clear an correct my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: FREEDOM FINANCIAL NETWORK
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. Freedom Plus Acct num XXXX reporting {$15000.00} should be {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I bank with XXXX and use online banking and their credit reporting page to monitor my credit. I received two alerts through XXXX about credit inquiries that happened on XX/XX/2023. 
The inquiries came from : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services '' I called XXXX and opened up a complaint through them letting them know I did not recognize these and had not tried to open any new lines of credit. 
They were able to shut down the XXXX card services one since that was with XXXX, but they advised me to call XXXX to start the complaint process for the other. 
I called XXXX on XXXX, and they have started a complaint for me to delete the other inquiry. They put an alert on the three credit bureaus as well. I intend to upload this complaint to the XXXX site, and call Synchrony to dispute the XXXX XXXX XXXX XXXX and make sure that there is no account open with them.

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 2023-02-09
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 writing this complaint because previously I sent a Identity theft packet to the company TRANSUNION which they receieved on the XXXX of XX/XX/2023. 
This packet contained all of my identifiable information to verify my identity and all other documentation needed for this consumer reporting agency to properly submit a block of reporting for fraudulent information reporting to my consumer credit file. This packet also included the following ; Scan of my ID, Scan of my Social security card, my handwritten letter documenting the events, a copy of a XXXX notary form, a copy of the credit report with the fraudulent information highlighted and a copy of the FTC identity theft report. This is everything required by the Fair Credit Reporting act 15 USC 1681c-2 ( a ) to submit a block of reporting and deletion of this fraudulent information. After calling today and speaking to the supervisor XXXX XXXX in the Specialized Fraud Escalation Department I was notified that the FTC report was not attached to the Fraud dispute so it was not being processed properly. XXXX stated that I could upload the documents via online at transunion.com/disputes to submit it quicker however, after having the online support team assist me with logging in I was still unable to " attach '' anything to the current dispute like the supervisor XXXX XXXX had told me. I am quite frustrated and tired of going back and forth with different members of this consumer reporting agencies " teams '' and " departments '' to get them to do what the law is stating they are required to do at this point. 
I have decided to submit the information via this online complaint to ENSURE that these matters are taken seriously, that the information gets to the proper department and most importantly as a record of my last attempt to handle these matters directly with TRANSUNION. I am attaching the previous documentation that was sent and all of the information needed for TRANSUNION to follow 15 USC 1681c-2 ( a ) and remove this fraudulent account that is NOT MINE, that I did NOT consent to and that is reporting as a RESULT OF IDENTITY THEFT and which should be blocked from reporting and deleted from my consumer credit report immediately upon receipt of this complaint within XXXX business days, which is by the date of XX/XX/2023.

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 2022-11-10
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. 

The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' XXXX. XXXX XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have never missed a payment for the house. They send on my statements, its been 1 year they are not applying my payments. This is what they do. They do not help the consumer. I just want the XXXX away from this company, shellpoint. I've been trying to refinance our home for over a year. They have destroyed my credit, so they trap people from this. So many complaints against this crooked company. So many class action law suites. I pray the government will punish them, and harshly sues them hard. The XXXX XXXX XXXX also has a lot of info what this company does to people. Thank you for your time. They also are full of extortion on what they charge people. I paid my own house ins. and flood. total, also property tax. for total, XXXX They, shellpoint, charges XXXX, for the same coverage. XXXX, XXXX XXXX. This is not right. Please help me get away from this evil company ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would love to remind my mortgage payment because Im exiting my heart I dont have a job I lost my vehicle on yours and mine jump also because I need love XXXX tomorrow again is that Friday cans that walk where are you going to call for the mortgage did you want to listen to XXXX did forget opinion because I dont have any money from my wallet right now mine boiler is not working in my bathroom is not working phases of my wallet forget you dont want to listen to XXXX XXXX I said I want to do it its in my first time 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 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Let me start by saying I have been a longtime customer of Capital One since they were XXXX XXXX and I was starting my college life. I have never thought about using any other banking institution for my personal or business affairs, until now. 
I have been having a claims dispute with a merchant, The XXXX XXXX, since XX/XX/XXXX. This dispute was due to the merchant charging me twice for 1 massage service at an introductory price of {$56.00}. I paid for the service on XX/XX/XXXX upon scheduling through my XXXX account which is directly connected to my Capital One checking account. On the appointment day, XX/XX/XXXX, I was charged again at point of sale because the young lady said she had no proof in the computer that the service was paid for. After she checked twice, I was confused & gave her my debit card. As soon as I got home I was able to check my bank account to confirm my initial payment. Therefore, I contacted the owner, XXXX, who assured me that she would make the corrections after offering me a credit. I refused the credit and asked for my refund instead. In the meantime, I contacted Capital One to initiate a claim dispute. Claim # XXXX was the number given to me by Capital One. I spoke with a representative in the Claims Dispute Dept, who told me that he saw the 2 separate transactions for the exact same amount of {$56.00}. Of course, I am thinking all of this has been resolved after sending the receipts and emails in to XXXX. 
On XX/XX/XXXX, I received a letter from Capital One stating that my claim has been denied and they are believing the owner of XXXX XXXX XXXX that it was my user error and that is why I was charged twice. How can it be my user error if one charge was via computer on XX/XX/XXXX and the other was on location at point of sale on XX/XX/XXXX??? I have spoken to several representatives in the Claims Dispute Dept. Each person has said something different ( I am sure these calls are recorded ). On XX/XX/XXXX, I spoke to XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX @ XXXX. One of them even implied that the XX/XX/XXXX purchase was for other merchandise, as if I am lying. They are unfairly closing the case and extending the worst customer service ever. I have all the proof of being charged twice. I have even contacted the Capital One corporate office and spoke to their representative, XXXX, to no avail. Please assist and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit card with Truist ending in XXXX which in XXXX I enrolled it with other credit cards into a company called XXXX XXXX  which works with my lenders and settles my debt. I also have an checking account with Truist XXXX which I pay my other bills from I also was injured and lost my company and now am on XXXX so I get paid once a month on the last XXXX Now over night on the XXXX day of XXXX The Truist Recovery department Ran by XXXX XXXX took {$1000.00}. out of my account without my knowledge nor did I get a receipt or a document letting me know this was going to happen. The also took {$1500.00}. Out my same account on XX/XX/2023.

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 2021-07-09
Company: Experian Information Solutions 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:
Experian refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with XXXX. I immediately called XXXX and shared this information, and XXXX said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called Experian and immediately opened another dispute into this bankruptcy. Ultimately, Experian emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by XXXX. I am pretty sure that XXXX isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that Experian is still fraudulently saying that they have verified this account with XXXX. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that Experian abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and Experian has been viciously fighting to keep this inaccurate account on my credit report. More importantly, Experian is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.

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 2023-10-06
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Predatory closing. I had an original 80/20 loan in which the 20 % expired in 10 years in which I was tricked into signing. This caused multiple close calls for foreclosure and stress.

Company response to consumer: Closed with explanation