BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Wednesday, XX/XX/2021, at XXXX EST, I received another phone call from Willams & Fudge at XXXX. I had been receiving calls from this number over two weeks at least three times a day or more. I answered twice when the calls initially began, but the caller hung up, therefore I stopped answering thinking it was just another telemarketing company. When I answered this day, the representative spoke so quickly that I did not have a chance to collect his name, nor did he mention his representative ID/badge information. The rep mentioned the that the call was on a recorded line and that this was an attempt to collect a debt on behalf of a local college. The rep proceeded to ask how I would be taking care of the balance without asking if I were able to, nor offering any type of payment plans. He failed to initially ask if I agreed to the debt and my right to dispute or request debt verification. I mentioned that I would be unable to pay for anything at the moment as I am presently unemployed. The rep became intrusive and asked, " well, who is taking care of your expenses then? ". I respectfully stated that that information was none of his concern nor did it have anything to do with the reason for his call and to please take my number off the call list. The rep proceeded to say these words, " well, the calls are not going to stop '', and at that moment I told him that I knew my rights as a consumer in the state of Georgia. The rep replied that he would make note of my request. 

The mere fact that he boldly stated that " the calls would not stop '' immediately suggested harassment. Also, the fact that he asked " who was taking care of my expenses '' had now become an unconstitutional act towards my rights to privacy. He, and other representatives of Williams & Fudge, should receive more training on proper phone etiquette as well as keep in mind that consumers still do have rights and ethically speaking, we are still experiencing pandemic overlay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2020-12-21
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-06-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made payments every month for {$400.00} at end of Month.

They charge me late fees every month for {$40.00}. Even though I make payments every single month at the same time.

They are also charging me interest on a card that wasn't supposed to be charged interest at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was went to PRA website and saw announcement that a CFPB Order thatrequiresPortfolioRecoveryAssociates, LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to PRA XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above PRA starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a dispute letter along with FTC report, furnishers letter, my personal ID on XX/XX/, to care credit regarding fraudulent charges made by a family member for over {$6000.00}, also, renewing the card without my permission or knowledge, and putting his name as authorized user without my knowledge and have yet to receive any letter, any corrected transaction errors, any and all fraudulent charges, and/or accurate statement. I spoke with the fraud department on XX/XX/XXXX after I received a voice mail on XX/XX/XXXX to call back regarding care credit. They then told me there was no record of someone calling and there were no notes as why they called that day but, that they would be sending me a letter and that I should receive it within 7-10 business days. But as of XX/XX/XXXX, I have not received any letter, nothing. And I bet they closed my account without giving me any notice.

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2020-12-22
Company: EQUIFAX, INC.
State: NC
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 disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My assistant in XXXX  was trying to purchase a vehicle in XXXX XXXX   XXXX XXXX official dealership.

He made transactions via American Express which i gave him as an additional user, he made 3 transactions : 1 ) XX/XX/2018 {$65000.00} ; 2 ) XX/XX/2018 {$1300.00} and 3 ) XX/XX/2018 {$2200.00} We didnt pick up car in XX/XX/XXXX and i know XXXX  dealers they like to stall time, i contacted Amex with dispute on XX/XX/2018, by XX/XX/XXXX american express send me notification that my account was fully credited and then By XX/XX/XXXX they put all the charges back claiming that merchant provided documents to support their claim. I reviewed this documents and to me they didn't make any sense, i called Amex again to open another dispute by i noticed that Amex staff are not wheeling to help me and understand the issue i explained to amex multiple times that we or i didnt pick the car, they reopened dispute and we get more details from merchant that doesn't make any sense to me, but amex is ignoring the issue.

Here are the issues, i will attach each document. On first dispute merchant provided my assistants ID and credit card slips with signatures, but the invoice for the car that they claim that we bought is under different name, you would wonder if i spend XXXX for the car would i want to have invoice under my company name? i say yes. Also invoice signature is not matched to my assistants signature.

Dispute number 2 : same issue as first dispute, but this time dealer provided more documents, same documents credit card transactions but no invoice under my company name and no signature of my assistant on invoices and moreover they now lied to american express by providing the letter on last page which states : that the holder of card XXXX ( they couldnt provide full number because they dont have card and this letter was created due to dispute ) also this letter is not addressed from my assistant to XXXX   that he authorizes transfer of this fund to XXXX, there is no assistants name or signature on this letter. This letter is a completely fake and doctrine letter created by dealership to keep my money ( which i explain to Amex )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received an email from TrueAccord claiming I owed nearly {$3800.00} for an account with XXXX 's that was transferred to them from a company called XXXX, I never have had such an account. I emailed to them that the account was not mine and cited that the zip code, XXXX, for the debtor was not mine, but they failed to respond to my several attempts to contact them. I finally received an email, two weeks later, indicating that the account, that they still claimed was mine, was transferred back to XXXX. XXXX also has failed to respond to my several attempts to contact them. I have never had an account with XXXX 's and was never contacted by them or XXXX in any fashion either by mail, phone or email, concerning this prior to the email from TrueAccord. I did find that a person with the same first and last name as mine does live at the zip code in XXXX SC XXXX. I advised TrueAccord of this and never received a response. What TrueAccord has done is to link my email with someone else 's financial record. And they refuse to admit their error. I was fearful at first that this was either a scam or identity theft. Now I realize that TrueAccord is a bottom feeder seeking by any means available to enhance their coffers by scaring senior citizens with their tactics. They violated regulation F by not providing in their email to me all the required information concerning the alleged debt. but only the owners zip code and the ending digits of an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting A ct, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion consumer credit reporting agency- does not include my FICA score when an authorized vendor requests a copy of consumer credit report. this has resulted in several credit denials. 
After several calls to Transunion, I was informed that I do not have any open accounts, Although, I could request through a third party for my utilities bills or rent payments to be included in my consumer 's credit report. 
Why would anyone of intelligence, give a " third party '' access to their consumer 's credit report??? what's going on with these consumer reporting agencies? that's the very reason they exist, to manage the consumer credit reporting, now they want to farm this out to a third party, with all the fraud in the world today, this is absolutely insane. 
I worked hard to keep my credit in good standing, paid my bills on time, NO! i don't have any open revolving credit cards and I paid my car note off in XXXX. 
Although, I shouldn't be treated like a credit risk because Transunion and XXXX don't want to put forth any effort to calculate my FICA score, UNLESS I PAY AN ADDITIONAL {$24.00} per month, THIS IS CRAZY

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 below accounts has violated my rights : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : 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 States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 120+ days past due on XX/XX/2018, XX/XX/2018, XX/XX/2018. Theses are INCORRECT and are supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Short Sale process with Select Portfolio Services 1-Missing/disappearing documents repeatedly 2-Alleging they did not receive documents which were all sent by emails even as one document package, whereas receipt of email was produced 3-Alleging they did not receive documents even when such documents where even discussed with officials 3-promising to call back if documents where needed, and never receiving such calls 4-stalling the process requesting documents that should exist of lenders file, such as a loan modification agreement, which exist on foreclosure attorneys file and which have anyway been sent several times in a 4 year time period 5-not reading documents thoroughly, regarding clauses and info already provided in the documents 6-insisting more than once that the realtors invoice for {$12000.00} does not represent the 5 % brokerage fee of purchase price of {$250000.00} 7-Claiming errors on a reviewed item by item HUD with a lenders official whereas all changes requested where double checked with such official, and deemed corrected during phone call 8-Manager Relationship not ever being available once when requested for the last 12 months 9-Contradictory info provided by at least 2 officials, when follow up on documents sent on the same day 10-System notes with clarifications taken by and official never, ever, being received by relationship manager and/or disappearing from system 11-Allowing all documents to expire in several occasions in the process of requesting already existing info and documents, due to lack of proper review and/or loss of such documents, which burden parties with resubmitting such info and documents. 
12-lack of knowledge of real estate in Puerto Rico and local laws governing legal documents and contracts 13-Offering misleading information as to HUD items to be included 14-Claiming that a 12 months listing signed on XX/XX/2020 agreement expired on XX/XX/XXXX and not recognizing a clause regarding an existing purchase offer under such contract 15-Having been accepted the same short sale 2 tomes over a 4 yea period, only giving 30 days to close under an FHA loan which at least takes 60 days to process in PR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital one is going against FDCPA values by accusing me of owing {$6100.00} in credit card debt. This has went onto my Credit and is ruining my reputation as a consumer. Capital one has performed unauthorized use which according to 15 USC 1602.

Company response to consumer: Closed with explanation