BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate reporting of this account and Fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}

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 non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: United Resource Systems, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my medical privacy and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and TRANSUNION both have already " updated '' and " verified '' all the previous accounts that I have submitted in XXXX ( CFPB ) Complaint. I expressed my concerns about my rights to " fair '' and accurate reporting and they changed absolutely nothing and updated only remarks which have little nothing to do with specific details that hugely affect your account like : Date opened, current status, accurate balances on all XXXX bureaus or accurate account balance initially etc. 

It is a clear violation of my consumer Rights and my Fair Credit Act Reporting Rights to continue to report these accounts inaccurately. Please see attachment where I have uploaded XXXX bureaus and their inaccuracies.

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 2017-05-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS. MY INTEREST RATE IS OVER 20 %, I HAVE FEES ASSOCIATED WITH MY ACCOUNT OVER {$800.00} WORTH OF FEES THAT CA N'T BE EXPLAINED, THEY TELL ME THEY CHARGE INTEREST PER DAY YOU ARE LATE, CAUSING ALL KIND OF EXCESS DEES ON MY LOAN, I HAVE HAS THIS VEHICLE SINCE  XXXX   XXXX , ORIGINAL BALANCE WAS  XXXX  AND IT 'S NOW  XXXX   XXXX , MY BALANCE IS STILL  XXXX  AND NO ONE AT THIS COMPANY CAN EXPLAIN TO ME WHATS GOING ON. THEY CLAIM IT 'S DUE TO LATE PAYMENTS, I GOT EXTENTIONS WITH THIS COMPANY AND FOR THAT TIME, THE PAYMENTS WAS SUPPOSE TO BE PUT ON THE END OF THE LOAN, DATES ARE  XXXX ,  XXXX . HOWEVER, THE LATE ITS 'S SHOWING LATE PAYMENTS FOR THE MONTHS I GOT EXTENTIONS FOR, I HAVE ASKED THIS COMPANY TO REMOVE THE LATE PAYMENTS FROM MY ACCOUNT ON SEVERAL OCCASIONS AND THEY ARE RUDE AND ALL THEY TELL ME IT 'S NOTHING THEY CAN DO, THIS IS SHOWING UP NEGATIVE ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: OH
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:
Received a credit card which I did not apply for from Comenity BankXXXX XXXX I immediately checked my credit report and noticed that someone had already charged XXXX on the card. It appears the card was opened by someone on or around XX/XX/2023. I contacted Comenity Bank on XX/XX/2023, which is the day I noticed the issue. The CSR at Comenity stated that they were starting an investigation. 

I also noted that on XX/XX/XXXX through XX/XX/2023, there were four hard inquiries for credit cards in my name. These inquiries were not instigated by me or anyone I know. The banks noted on these inquiries were, XXXX XXXX, XXXX, and two by Comenity. I called each of these banks and began a dispute on each. 

I contacted XXXX and reported the above information and requested a freeze on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: In progress
Consumer complaint received 2023-07-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Someone opened an account onXX/XX/2018 and I have made a police report because i did not open this account. i need it to be closed. i have not authorized anyone to open any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with   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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 attempted to login my account at TransUnion to access my report and was met with a message that denied me access to my report and forced me to pay for my internal reporting score. My score has been up XXXX points down XXXX points and back up XXXX points in 3 days at TransUnion. This has to be retaliation for the CFPB complaints I have under investigation that still haven't been resolved. This rollercoaster and fluctuation of my score is causing me to not be able to extend my credit. My score decreased XXXX points because of an account that posted XXXX positive credit card limit with no adverse remarks which lowered my debt-to-income ratio and the remark codes, " Dispute resolved ; reported by grantor '' and " the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements '' added to my account by TransUnion. I AM STILL DISPUTING THE VALIDITY OF THE ACCOUNT AND THE DISPUTE IS NOT RESOLVED. THESE COMMENTS ARE FALSE AND MISLEADING.

Company response to consumer: In progress
Consumer complaint received 2017-05-15
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For years, I have submitted my payments electronically. I am a retired  XXXX  with a   XXXX   XXXX  . I use the grace period always since our mortgage is my largest monthly bill. When I have the funds available I submit my payment through the payment portal electronically. This usually falls near the end of the grace period per Regulation Z and I always keep excellent records of the submission dates, etc. regardless of what the vendors information says, I keep my own records.     And for years, when the payment falls over a weekend or heaven forbid a holiday as well, I have to fight with the mortgage company to get them to reverse the system generated late fees because their systems are set to use their POSTING date as the submission date which is a flagrant violation of the grace period rules of Regulation Z.     This is all well documented but I suspect the companies I have dealt with over the years do this little shuffle with intent. It amounts to another source of revenue and a numbers game for them. Not all consumers are going to understand the Regulation Z law and not all will have the knowledge to challenge their late fee char  ges. I do.
That is why I am asking for some assistance. I have filed a RESPA letter with Caliber Home Loans.   Right now, they are scrambling to fix their errors but I know this is only because I have caught them at this activity with solid proof. What happens to those who do not have the knowledge or the understanding to stop this activity? The lenders I have had to challenge over the years are   XXXX   XXXX   XXXX   ,  XXXX , and now Caliber Home Loans. It appears this may be an industry wide problem and I am ti red of dancing with them.     As a  XXXX , I know they can have this date of submission in the logic loop to see if the grace period is in play. Yet, they do not do this and I have clearly pointed this FLAW out to every lender I had this problem with. I truly think it is time to make this an issue with the industry. Their systems can and should be compliant with Regulation Z in all ways. They are not and their programming is therefore supporting a type of fraud these vendors have been perpetrating for decades.     Can you do anything about this or  must I hunt further fo r some assistance here for myself as well as other consumers who have been illegally charged late fees when their submission date fell within the grace period?     As a retired   XXXX   and a  XXXX , I can not understand why the systems are not properly tested by the regulators to assure this sort of fraud can not occur and I am truly wondering what if anything will happen to the lenders who are playing this game. I trust someone from this agency will be interested in this brand of consumer fraud or at least direct me to someone who might be interested in schooling this industry on the compliance laws of the regulations particularly those of Regulation Z and the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private student wi th Wells Fargo the payment is not affordable for me or my cosigner. We have applied for everything possible to help lower the payments. I have called on a number of occasions and have been given the run around or just left to dry. Basically they told me I should just live in a box but make sure I still make my payments. I applied for the programs offered at least three times with no h elp I even filed a complaint with corporate and nothing help. I so overwhelmed and I feel like completely giving up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 i received a call fro Bank Of America ( it said bank of america on my caller ID and was associated with the phone reflected the same number as bank of america. The person who called me said they were with Bank Of America fraud protection services and gave his badge and ID # an stated that there had been fraud on my account. I was out of town at the time, so I thought that this could have happened being that I was out the previous night. He said whoever committed the fraud had tried to take money from my XXXX account that was connected to my B of A account. They told me that the only way to reverse this and for it to be documented as fraud was to accept the payment requests ( yes multiple ) from the person who requested the money in my XXXX account and then it would immediately be marked as fraud and be returned to me. I asked who the person was that was requesting the money and i was told that it was his manager at Bank of America. I was a bit skeptical so I looked the so called manager up on XXXX and they had a ( what I now know was fake ) linkedin profile that said she was a Bank of America manager. I did what I was told and as I was doing this my friend, who i was with at the time and is a lawyer asked me what he heck i was doing. I explained the situation to him and he said YOU ARE GETTING SCAMMED! he immediately hung up on the person and told me to call XXXX and bank of america to report it as fraud. I immediately called both bank of america and paypal. Since then, I have called bank of america oer XXXX times, XXXX over 100 times, filed a police report, visited 4 bank of america in person locations, and spent over 43 hours on the phone with both bank of america and paypal. Bank of america said that this was extremely important to them, and they would resolve it immediately and that was over a month ago. XXXX is now coming after me for XXXX and the scammer got XXXX from me and I have not gotten a XXXX back from bank of america.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. This inquiry is inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was first contacted about my debt back in  XXXX . I swiftly told them not to contact me about the matter. ( As I 'm broke and could n't get on medicare to help pay my medical bills ) I then start receiving calls that ring for a second and stop. This can happen up to twice a week. Then today I received a call from someone asking if they were talking to me. I asked who I was speaking with and they would only say that it was a personal business matter. They would n't say who they were and I told them I already told them to not contact me and put me in their do not call list, the lady hung up very quick. So I called back and sure enough it was ASCI the same people I told not to contact me. I was transferred to a manger who tried to get me to pay my bill instead of helping me get off their contact list. She then argued that I have to send in a hand written letter stating that they cant contact me. I dont have the time or resources to do that right now. I work too much. I just want them to stop contacting me. Its already on my credit there is no point in paying it. They couldve just helped me out but they are too worried about commission then worrying about them being rude. they dont treat people like people. You 're just another number to them. The tactics they use are sick. I used to work there. Rudest people on the planet.

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 2021-08-30
Company: EQUIFAX, INC.
State: NC
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam, We have a conventional 30 year fixed conventional mortgage loan with Navy Federal Credit Union. We recently received a New Mortgage payment notice letter from them stating that our monthly payment is going up 27 %, and the monthly escrow increase went up 170 %. This has placed a tremendous financial hardship on my family and I.     In addition my closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and general ethical mortgage practices I had with  Navy Federal. Wh en we were in the process of closing the loan the  Navy Federal Loan  broker  XXXX   XXXX  stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop. The rates did drop and we contacted  Navy Federal se veral time to get a mortgage rate modification and the Customer Service department stated that we would have to wait a lot longer in our term for a potential rate modification. Completely opposite of what our broker stated while we were in the process of obtaining and closing the loan.     Primary this huge monthly increase of 27 % and 170 % escrow increase has placed a huge financial hardship and burden on us. In addition the fact we pa y two  annual property tax payments ourselves and they are increasing our monthly payment significantly we need your assistance to bring our payment manageable and  bring Navy Federal int o compliance on this pressing matters. Thanks for your attention in this matter.     Sincerely,  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation