BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I've sent several requests over to the credit reporting agency to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. The credit reporting agency has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, they simply update the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. 
The credit reporting agency has ignored my requests and its been 6 months later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: MA
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 letter is about the following accounts : XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$500.00} or my account was charged off {$500.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
4 credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all 4 of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
I would like you to check the origins of three inquires that appeared recently in my credit report. I do not recognize them at all. I want to complain as I have unknown items in my credit report and I ask you to remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.

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 2022-03-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Southern Auto Finance Co
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
First and foremost on XX/XX/XXXX I went to XXXX for a consumer transaction for a XXXX XXXX XXXX, I gave XXXX my credit credit which is clearly defined under 15 usc 1602 ( l ) and it states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I extended credit to southern auto finance company " aka '' SAFCO and I the natural person received no benefit. Southern auto finance company " aka '' SAFCO practiced unauthorized use of my credit card. Southern auto finance company " aka '' SAFCO has violated multiple rights and I the consumer received no benefit, Congress has stated this under 15 usc 1602 ( p ) and it states : ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
Only I the consumer and natural person have authority over my credit card because I am the card holder the natural person. I have sent Southern auto finance company " aka '' SAFCO a cease and desist and affidavit of fact on XX/XX/XXXX which I will include in the attachments area. Also I wrote transunion and told them that I have not given Southern auto finance company " aka '' SAFCO any written instructions to report this on my consumer report. But don't take my word for it I will tell you what CONGRESS said and 15 usc 1681b states : ( 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 instructions of the consumer to whom it relates.

According to transunion which is in exhibit E they stated that Southern auto finance company " aka '' SAFCO VERIFIED this account. This company is a fraud and I will show you in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I attempted to conduct a XXXX transfer in the amount of {$2000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX ) checking account to my Bank of America ( BoA ) saving account. The money never arrived in my BoA savings account. 

I have called BoA and XXXX multiple times starting on about XX/XX/2022 in attempting to find out why the {$2000.00} was never received by BoA. I learned that there was an incorrect account number entered when the initial online XXXX transfer was attempted. In fact, there was a 2-digit error in the account number I entered, but the routing number was correct. 

When I provided BoA with the full account number ( including the correct routing number ) that I used to make the XXXX transfer, they informed me that no account number existed with the account number I entered ( via XXXX XXXX XXXX ). 

I submitted a claim to the third party XXXX vendor that XXXX uses on XX/XX/XXXX. I have contacted BoA multiple times and have been told : * They can not follow up to investigate this matter any further until they have a formal claim from XXXX. * BoA claims that they do not have an account for the account number to which the funds were sent. 

I am at a loss to understand why, if the account number I entered was incorrect, the {$2000.00} did not bounce back to XXXX. I also do not understand why BoA said that a claim by XXXX ( using their third party vendor ) has not yet been submitted. 

I believe that in fact, BoA has the {$2000.00} I attempted to transfer. They have it because it was indeed sent to the BoA tracking number. BoA has done virtually NOTHING to help me. They have my funds and have no interest in finding my funds in their system. I believe BoA has my money! This is legal theft! It should not be legal to keep someones money because of a typo. This is not a case where the money went to someone elses account. BoA has it!

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 2022-07-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2016-09-30
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
As I stated in XXXX previous complaints, Nationstar Mortgage has been running a scam to get my house. I received a letter today requesting that I turn over my house to them or sell it. I resubmitted a request for a loan modification ( which they told you I could do after a date that I could even meet the deadline. ) I was not notified of cancellation of my modification, they extended my modification by one month and denied doing so. When I called them, they told me to resubmit my modification request. I did, they then told you I could be reapproved by XXXX XXXX, 2016 ( 3 weeks before I even knew the modification was cancelled. ) I am enclosing the letter I received today. These people have been lying to me on the phone, scamming me, lying to you, ( which these documents and my previous documents prove. ) If I had not borrowed money to bring this account into good standing they would have taken my house and evicted me. I had to pay over {$3000.00} to get my house back from these monsters. I had to sell my wedding rings to get enough money to do this. I am chronically ill, on XXXX and I 'm sure they were counting on me not being able to put together enough money to do this. I have friends with money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Dynamic recovery solutions has threatened me multiple times & states that I owe them XXXX $ for a XXXX account that was opened in 2017 which I have no knowledge of, they threatened me saying if I dont pay they will sue me and take all my assets. They call me any hour of the day, sometimes at XXXX XXXX XXXX XXXX XXXX. Ive requested MULTIPLE TIMES for a hard copy of what I owe sent to my home address and they claim they have sent it but I have never received any documentation or paperwork from dynamic recovery solutions & they threatened me saying they will escalate my account to a higher price and amount due if I do not pay in full. I have no knowledge of this account and I believe this is a scam company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Allied Collection Services, Inc. (Nevada)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Allied/ Nevada XXXX XXXX Inc dba XXXX XXXX put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any debt.

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 2023-01-06
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Seminary I attended in XXXX says I have an unpaid loan for {$970.00}, but the only proof of the loan they can provide is an email, that the author has no memory of writing. 
My issues with the debt are : - I did not apply for this loan or receive any funds from this loan- I withdrew less than 2 weeks into the semester- I legally could not take out a loan due to loan forgiveness from my In the Line of Duty Injury - They can not provide a loan application or canceled check - The only documentation of the loan that LTSS has provided me is an email that the author has told me she has no memory of writing.

- LTSS has refused to provide me a loan application, canceled check or an official invoice to verify this loan - The Seminary will not release my transcripts and LSAC is requiring this transcript The loan that there attributing the {$970.00} balance to is a zeroed out forgiven loan by the department of education. It was forgiven and pardoned in XXXX and the seminary refused to give me the information they just forwarded this information to the South Carolina department of consumer affairs. I contacted the department of education and Nelnet and Nelnet says that when they forgive a loan, they pay the full loan so the {$970.00} cant be valid if its attributed to the loan they are citing. Nelnet is the administrator of loans and spoke with XXXX at Nelnet and she stated that they forgive the loan in its entirety and they said its the responsibility of the university to zero the loan out. Also i have text messages where the university has twice invalidated the loan and then brought it back to life and those messages show the administrator admitting to the other agent was lying and they knew that the loan was invalid back in XXXX when they brought me back to the university. And this same administrator admits that he invalidated the loan also and that's why he allowed me to take more courses at the university. But now the loan is back with no explanation. I also have the download and my discharge letter that shows that the {$970.00} shouldn't be valid. And according to department of education when they XXXX  out a loan not only is the loan completely paid for but if i would have made any payments toward the loan they would have been paid back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account XXXX XXXX account number ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and Equfax removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never receiveda mailed notice of reinsertion from Equifax within 5 business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). 

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
My name is 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.

Company response to consumer: Closed with explanation