BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
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: Account status incorrect

Complaint:
I paid XXXX XXXX XXXX in full yet they are still reporting to TransUnion and XXXX as collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
When moving from XXXX to New Mexico in a Permanent Change of Station ( PCS ) move for the XXXX XXXX XXXX, I took out a mortgage with XXXX, who eventually transferred my loan to XXXX XXXX XXXX, serviced by Mr. Cooper. I was having financial difficulties due to the cost of living during the pandemic ( and taking out loans during that time ) and due to the cost to move from overseas that was not reimbursed by the XXXX XXXX. I had already began talking to the financial advisor at my local XXXXXXXX XXXX XXXXXXXX XXXX XXXX in order to get into a better financial situation. When looking at the Mr. Cooper website, I saw that they had a relief plan specifically for hardships incurred due to the XXXX XXXX. I applied for the " Mortgage Assistance '' program and immediately saw that my account reflected the change. According to the Mr. Cooper Website page for XXXX XXXX, the program allows you to not make payments on your mortgage for 3 months with no penalties. A month later, I started getting phone calls and letters from XXXX XXXX XXXX XXXX stating that I was behind on my payments. Upon telling them on the phone that I had signed up for the pandemic relief program, their staff told me that the program did not exist any more and got really frustrated with me and threatened me with foreclosure stating that I still had to make payments. As soon as I submitted the application, and to this day, the total due is marked through on their website with {$0.00} due. However, the amount that is marked through keeps increasing and I keep getting phone calls. I am currently enrolled in a financial hardship program with In-Charge Debt Solutions for unrelated debt, because I am trying to get into a better financial situation. I have already spent the money that was supposed to go towards this mortgage on food, gas and other bills. I have already filed a complain with the XXXX, but I found this website and didn't know if it would be better to file here. XXXX complaint case # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Settled a loan Two years ago with one company now another company has to loan, now they wants to paid again calling wants me to submit document. I told the to call the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Franklin Credit Management Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX has been harassing me, sending me false statements since XXXX of XXXX. This was my second mortgage servicing company. 

This is past the statute of limitations and they have violated several federal consumer protection laws, including the Fair Debt Collection Practices Act and the Truth in Lending Act as well as state consumer protection law. 

I sent them a cease and desist letter XX/XX/XXXX, through email and told them to contact my attorney. They know I'm in a lawsuit with the lender ( zombie mortgage ). 

However, they are now sending a monthly false statement after not sending monthly ( periodic ) statements for 13 years. The statute of limitations in Florida is 5 years past default. 

In XX/XX/XXXX, they added an additional {$30000.00}. In XXXX, they added an additional {$10000.00}. The loan was charged off in XX/XX/XXXX and the loan holders are not entitled to interest payments stemming from the years when I did not receive periodic statements. In addition, the note was canceled in XX/XX/XXXX and reduced to a judgment. It forced me into bankruptcy since I was a single mother with low income. 

" Amendments to the TILA periodic statement rule were designed to prevent the surprise appearance of a long-dormant second mortgage together with unexpected claims for years of accrued interest and fees. ( Reg. Z, 12 C.F.R. 1026.41, implementing 15 U.S.C. 1638 ( f ) ). Under the rule, servicers must keep borrowers informed about the status of a second mortgage, including whether it has been charged-off or re-activated for collection, as well as who currently owns the loan and how to contact appropriate parties for up-to-date information. The rule requires heightened periodic statement disclosures when the loan is in arrears. TILAs Periodic Statement Rule and the Bar on Collection of Interest and Fees on Charged-Off Mortgages. '' ( NCLC ) They DID NOT do that, plus the note doesn't exist! 
Their harassment is causing me much XXXX, more financial issues, sleepless nights and health issues. They, and others like them, are harassing people who have survived the last XXXX XXXX, covid, losing many loved ones, the current inflation and they want to steal our homes. The banks caused the last recession with unfair and deceptive tactics and now they're doing it again. They hit mostly low income struggling families who can't afford to fight them and will lose their homes, health and maybe even life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with Lowe's/Synchrony Bank. I have been sending in my payments via a 3rd Party at the beginning of each month. You can imagine my surprise to discover that for the last 3 months I have been recurring late charges on my account. Let me give you an example as to their explanation. I pay my bills within the first 5 days of the XXXX day of the month. I am old and ill and want to be a good consumer. Now I have been advised that the monthly cycle ends not at the end of each month but by the XXXX of the month. Therefore, as an example, the payment I made on XX/XX/XXXX, was not posted as an XXXX payment, it was posted as a XXXX payment as their " cycle '' had not closed yet. Same way with the payment made in XXXX at the month beginning and XXXX. To add insult to injury they then charge me a XXXX " late fee '' for a payment they got early! Please explain how this is legal.

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 2023-06-15
Company: Experian Information Solutions 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have placed freeze or locked on my credit report at Trans union to safeguard me any creditor to do inquiries without my permission. But unfortunately there is one creditor called XXXX based in XXXX, Ohio on XXXX XXXX went on and performed inquiries while my credit reports at Trans union was locked and I didn't unlocked it for them. So I call Trans union on XX/XX/2022 and spoke to XXXX of their representatives including their manager XXXX. According to them, the time XXXX were inquiries about my credit reports, there was indeed my credit report was freeze or locked up till today. So I asked Trans union how come Trans union allowed this XXXX to breach and did inquiries, their answer they can not understand. After hour long on the phone with Trans union, they intentionally hang up phone on my ears. I told them due to this security breach youTrans union drop my credit score with XXXX points. They have nothing to explain further but rudely keep hanging up phone on my ears. My complaint to Trans union was once a consumer locked his or her credit report, and he doesn't unlocked it, your company safeguard you from other creditors to inquired but they kept changing their company 's policy of freeze accounts.

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 2021-09-15
Company: Independent Recovery Resources, Inc.
State: PA
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:
The XXXX Credit Bureau is reporting inaccurate information on IND REC RES ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX we were notified of a data breach and put freezes on my credit with all 3 credit companies. We applied for a car loan who uses Experian on XX/XX/XXXX and was informed of a fraudulent account opened with acima for {$8600.00} ish. The account was sent to collections XX/XX/XXXX. We had no knowledge of the account being opened. How was the account even opened when the credit was supposed to be frozen? I literally had to unfreeze it TODAY. It has been frozen for the last year. Tried calling Experian multiple times. No help. This has hit my credit hard. What is the purpose of a freeze If they're negligent and allow accounts opened anyways?!

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 2022-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/XXXX - XXXX Bank of America and disputed credit card charge of {$5300.00} and {$300.00} from XX/XX/XXXX and XX/XX/XXXX for Why XXXX XXXX Also highlighted the amounts {$300.00}, {$300.00}, {$100.00}, {$600.00} they charged between XXXX and XX/XX/XXXX from my checking account. I explained them everything in detail on how this company has scammed me and is scamming several people out there. 

XX/XX/XXXX - Bank of America sent me letter to send all the proofs to them by XX/XX/XXXX. 

XX/XX/XXXX - I sent all the paperwork to Bank of America explaining how I was scammed and did not get the products or services as portrayed. 

XX/XX/XXXX - Bank of America denied my claim saying company has to be paid for the work which clearly means they did not go through the documentation I sent which shows in great length how they scam people and did not deliver the product and service they said. 

XX/XX/XXXX - I called Bank of America and appealed the decision and requested them to go through the documentation and do some research online to see how this is a scam. 

XX/XX/XXXX - Bank of America denied my appeal with the same reason as they put in denied letter. 

XX/XX/XXXX - I called Bank of America and asked them to send me all the paperwork that led them to believe that this is not scam and they have done work. I have not yet received anything.

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 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Notice of Agent I was Denied a loan application which is against the equal credit opportunity Act, I'm granting the company the right to extended credit to me therefore they have no right to deny a natural person. I am not a borrower and and I am credit worthy, further more my credit was used and I received no benefit from the use of my credit, an inquiry was placed on my consumer report which is a receipt of transaction meaning someone was paid off of my credit and I received no benefit at all ; in fact damages have been done from the denial of my rights mentally and financially. I have been discriminated against in pursuant of my right to receive credit 15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. there is no law for reason of denial, for the damages that have been to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a further federal level if my request to open an account in which an adverse action has taken place is not granted. I'm aware of my open ended credit plan and my right to contract unlimited without being denied, I demand your company reinvestigate this matter and abide by federal law and open up the account in which I have extended credit.

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 2023-10-04
Company: EQUIFAX, INC.
State: MA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I was approved for a new Venture credit card from Capital One on XX/XX/2023. The physical card was shipped to me on XX/XX/XXXX, XXXX was no tracking link provided for this. I waited to receive the card, but in the meantime I was able to use the credit card via a Virtual credit card number provided to me within the CapitalOne mobile app. On XX/XX/2023 I noticed in my app that my physical card showed as activated. I immediately went to recheck my mailbox and the surrounding area but not see any card. I also noticed a suspicious transaction of {$280.00} on my account to the merchant : XXXX XXXX  XXXX XXXX ( Capital One customer service informed me that this was an ATM transaction - cash advance - and XXXX XXXX  shows this location in XXXX XXXX, CA ). I was worried and proceeded to call the Capital One customer service line at XXXX on XX/XX/2023 to report the missing card and fraudulent transaction. The customer service representative told me that the transaction was done at an ATM at XXXX Pacific Time and that my card was activated via their IVR service. The card was blocked but Capital One has denied my fraud claim and I have lost the transaction amount plus interest and a cash advance fee as a result. 

I have since called Capital One several times to get support on this issue and have spent easily over 1-1.5 hours on the call with their team. I have been unable to appeal my decision or get any insight into - what phone number was used to activate my card- and how they came to their decision in my case. Their customer service team has been the height of unprofessionalism in all my engagements with credit card companies. They keep transferring me from person to person and no one takes responsibility to provide support in my case.

I have reported my case with the FTC but am at a loss on how to get my money back from this situation. I also maintain an HYSA account with Capital One, and have a strong credit report but they seem to not value that in their determination at all. 

1. They did not provide a tracking link for their physical card delivery 2. They allowed a third party using a phone number unrelated to my account, to activate my credit card 3. I have claimed responsibility for all other ( much larger ) transactions on the card, made with the virtual card number- and have only pointed out the cash advance which was done fraudulently and is a type of transaction I was not even aware of 4. They have caused me stress, mental strain and wasted hours of my time without providing adequate service and details on this issue, and refusing to even let me appeal it. I am on hold since 20+ minutes right now and no support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation