BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX listed as a collection from XXXX  XXXX but the original creditor is XXXX XXXX XXXX XXXX, with an amount due of {$1000.00}. There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX which was XXXX XXXX and this was removed. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on Transunion reports as XXXX with the current status as account open while XXXX is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to XXXX XXXX agency and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed.

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 2024-01-01
Company: RAYMOND JAMES BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I submitted for a loan modification. My income is much more then what is required. Raymond James Bank has had me going back and forth for 6 months asking for documents. I have sent them everything that was asked for. They give me a list of stuff which I send in, then they give me an entire new list that has nothing to do with the prior list. They are playing games with me and many other home owners by continuing to ask for documents and allowing older ones to expire when they have more then enough to review and approve my loan modification. They have done this for 6+ months and now I have a sale date that they refuse to postpone to allow me a proper loan modification review.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2024-01-01
Company: FC HoldCo LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a loan for my truck with XXXX and they havent reported a payment since over a year ago. I also have late payments that are not true on my 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 2022-02-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a XXXX ( XXXX XXXX XXXX  member for 20+ years. They recently transitioned from XXXX XXXX to Marcus by Goldman Sachs. This transition has been an epic failure. There was very little communication ( other than the fact that there would be a transition ). You would think a bit operation like XXXX would have a strategic plan for transitioning XXXX members to their system, but no. 

I recently had my XXXX baby ( who ended up needing a stay in the XXXX ). When I returned home I went to pay my bill through XXXX like I normally do. I got an error message and assumed the site was down for maintenance, so I tried it again several hours later and then again the following day. After two days of getting the same error message I called XXXX. The representative who helped me said I had to go to XXXX to pay my bill ( you would think Marcus would have communicated this information to us ). So, I went to this site and found a link to click for XXXX members that are transitioning to Marcus. I followed the instructions online ( which asked for last name, DOB, and last 4 digits of SSN ). After doing this, I got an error message that said they didn't have enough information and to call XXXX. I called this and the wait time was 5+ hours. They gave me the option for a call back, so I selected that. It is now several days later and I still have not received a call back. In the meantime, I have tried again multiple times to register on the Marcus site, but I keep getting the same error message. I have also called the number provided several times. The last time I called ( XX/XX/24 ) I was told it was a 1+ hour wait time so I held on and finally got a representative. However, the representative had me do the same thing I had already done on my own ( going to the Marcus site, putting in my last name, DOB, and SSN ), but of course I still got the same error message. The representative then suggested I tried using their app. So, I did the same thing on the app and got the same error message. The representative then said there was nothing more she could do and she would put in a ticket for tech support to give me a call back. It has been about 24 hours and I have yet to receive a call back. I am very concerned about how this will affect my credit score. I have tried to be a responsible citizen in paying my bill- I have spent ( literally ) hours trying every which way to pay my bill/transition to Marcus, but with no luck. 

An operation as big as Marcus should have communicated more clearly about the transition and had a better plan in place for a seamless transition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NC
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:
This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from XXXX XXXX  now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during Equifax 's Data Breach. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXXXXXX XXXX with a Balance of {$7800.00}. 

I have never opened Nor Used XXXXXXXX XXXX and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in XXXX XXXX all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NC
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:
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 2023-05-20
Company: EQUIFAX, INC.
State: IL
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 a human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXX XXXX XXXX {$2300.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$890.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$620.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$980.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$930.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account According to XXXX XXXX XXXX : I have the right to privacy and did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights.

15USC 1681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.

15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15USC 1666 B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : US DEPT ED XXXX XXXX : {$3800.00} XXXX  XXXX Balance : {$430.00} Chapter XXXX bankruptcy discharged Reference # : XXXX Asset Amount : {$0.00} XXXX  XXXX XXXX Inquired oXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021

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 2022-12-07
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to Barclay Card services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, XXXX post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
XXXXXXXX XXXXXXXX

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 2022-02-24
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Vance and Huffman LLC on XX/XX/2022 and I have no recollection of doing any business with Vance and Huffman LLC. I am in the process of contacting Vance and Huffman LLC but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RESPONDENTS FAILURE TO TIMELY RESPOND TO CONSUMERS REQUEST FOR INFORMATION PURSUANT TO 12 C.F.R. 1024.36 12 C.F.R. 1024.36 ( d ) ( 1 ) Response to Information Request provides that : ( 1 ) Investigation and response requirements. Except as provided in paragraphs ( e ) and ( f ) of this section, a servicer must respond to an information request by either : ( i ) Providing the borrower with the requested information and contact information, including a telephone number, for further assistance in writing; or ( ii ) Conducting a reasonable search for the requested information and providing the borrower with a written notification that states that the servicer has determined that the requested information is not available to the servicer, provides the basis for the servicer 's determination, and provides contact information, including a telephone number, for further assistance.

12 C.F.R. 1024.36 ( d ) ( 2 ) ( B ) Time Limits provides that : ( B ) For all other requests for information, not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the information request. 

On or before XX/XX/2022, XXXXXXXX SN Servicing Corporation ( hereinafter, XXXX or SN ), received the Consumer XXXX XXXX ( Consumer or XXXX XXXX ) XX/XX/2022 request for information ( XXXX  ). The XXXX XXXX requested, among other items, call notes, loss mitigation documents and information, an accurate pay off balance, the mortgage loan owner/assignees contact information, and other information. In the XXXX, we specifically requested that RESPONDENT send all correspondence to our authorized third-party representative, XXXX XXXX XXXX XXXX  A copy of the XX/XX/2022 XXXX and a copy of the US Post Office XX/XX/2022 delivery confirmation of same, are attached hereto as Exhibits A and B, respectively. 

Unfortunately however, XXXX has failed to investigate and/or respond to the XX/XX/2022 XXXX, and has therefore failed to comply with section ( d ) ( 1 ) of 12 C.F.R. 1024.36. 

Specifically, XXXX failed to comply with Regulation X, 12 C.F.R. 1024.36 ( d ) by not providing the above items to me, the Consumer in a timely manner. By copy of this Complaint, we are once again requesting that XXXX immediately provide us with the items listed in the XX/XX/2022 XXXX  ( See Exhibit A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have violated my rights. 

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 an 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

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