BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX of 2017XX/XX/XXXX contacted me and informed me that my personal information had been affected in their data breach along with 143 million other consumers. My social security number, date of birth, address, drivers ' licenses number along with other personal information has been used to open several accounts in my name without my permission. This has mentally, and emotionally affected me as my personal credit and overall credit score has been damaged due to the error that XX/XX/XXXXallowed to take place. I asked for the companies to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. It has been well over 60 days and I have yet to receive legal debt validation. 

Section 609 of the " Fair Credit Reporting Act '' states that all companies must provide legal proof of all accounts listed on a consumers credit report. Not only do these accounts not belong to me, but these companies have failed to comply with the fair credit reporting act. I have provide a police report to this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: VA
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2022-11-27
Company: EQUIFAX, INC.
State: SC
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 mailed a letter disputing items on my credit report on XX/XX/22. By law and according to 15 USC 1692g, the company is required to do so. I would like the items disputed to be deleted for breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Was not notified of investigation status or results

Complaint:
Back in XXXX over 55 days ago I filed dispute with all 3 credit bureaus. THIS IS NOT RIGHT!. I am trying to clean up my credit and I cant do so if they wont response to me. The funny this my wife letters went out the same day and her has already been resolved, so there no reason why mine hasnt.

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: FL
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:
delete hard inquiries on my credit report. These inquiries include 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 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My Unemployment benefits from Massachusetts in 2021 were frozen on my Bank of America debit. I have been trying to over a year to unfreeze my bank card and have had no such luck. Unemployment department tried to help, however the bank continued to put blame on Unemployment for the issue. I believe I am a victim of the Bank of America Debit Card Fraud Class Action.

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 2022-04-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing this complaint and there is no third party involved. 

To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return the attached completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion sent me a letter confirming that the XXXX XXXX inquiry was deemed fraudulent. I recently submitted a complaint to CFPB with details about how I reached out to these companies and Transunion concerning the inquires listed on my report. I asked each company to submit a statement to Transunion and I attempted to dispute with Transunion as well- XXXX XXXX, XXXX XXXX , XXXX, and XXXX XXXX  . XXXX XXXX is the only company to comply. I am asking for the other inquires to be removed per my rights stated in the letter attached sent on behalf of Transunion. I can not make the other companies comply but this is proof that I did follow protocol and disputed with each company as Transunion asked me to.

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 2023-10-03
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
I ordered a copy of my report on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Bureaus have not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Statuses of XXXX  XXXX Balance : {$510.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$3000.00} I believe these accounts were reported in error.

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 2023-03-07
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
to whom it may concern, i previously submitted a complaint directly with PHH mortgage so far no one has responded instead they still when ahead a placed an auction on my property. They know my loan is a bad loan I've been attempting to make payment towards my past due and so far nothing has worked. Each time i submit an application its a direct denial. That just tells me that no one is taking into consideration my file. I deserve a fair review and the opportunity to keep my house. I also demand for the auction to be postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BARCLAYS BANK DELAWARE
State: PA
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:
I have a Barclay 's XXXX and XXXX Credit Card. Payment is due on the XXXX of the month. I paid the card on XX/XX/XXXX and received confirmation of the payment on the XXXX. Yesterday, I received notice that payment was past due. Rechecked online account access. Payment on XX/XX/XXXX reflected. Today, I received notice that payment was made on XX/XX/XXXX and was late. This is the second time. The first time the company agent said the late fee would be refunded ; it never was.

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 2022-10-05
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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX  XXXX : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation XXXX, I am sending this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am an international XXXX student at XXXX university. I opened abank account in XXXX XXXX, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the XXXX XXXX  told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : Equifax Information Services, LLC ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I transferred the money to my sister in XXXX via Remitly on the XXXX. Via their mobile app i was informed that the money was transferred on the XXXX. However, the bank on the recipient end had no track whatsoever of the payment. I kept calling remitly and my sister kept calling her bank but to no avail. On the XXXX once i threatened Remitly to file a complain is when they told me that the account was not correct. I ask them why would their app say the money was transferred to a wrong account why did it take them 20 days to figure it out. 

I think this is just an excuse to hold people 's money to earn interest for 20 days. Morever, i smell a foul play here. This company is managed by XXXX and since they are the arch enemy country of XXXX, this was deliberately done to stop money from going to XXXX. 

I've had same issue with XXXX where they stopped my payment for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC. BE ADVISED, this is not a REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification " or proof of my MAILING ADDRESS, but A request for VALIDATION made PURSUANT to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTIONS AGAINST YOU AND YOUR CLIENT FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER ( PER SE ). 
ALSO, I REQUEST ANY DOCUMENTS WITH MY SIGNATURE STATING I OWE ANY DEBT ( WET SIGNATURE ). IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: GA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a {$50000.00} additional payment to the principal account at bank of america. BOA miss applied to my payment and have not corrected it. I spoke to various level in the mortgage supervisory chain and know one has fixed the problem. my complaint control number is XXXX. I have spent more than 8 hours on hold waiting to speak to someone, know one is fixing my problem. I included a letter signed by me with specific instructions to apply the payment to principal. In addition, i wrote apply to principal balance on the check. This is probably my 5th or 6th extra payment with the same instructions included each 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 explanation