BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: IN
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:
The credit bureaus are reporting an account onto my credit report that does not be One to me and I have submitted and identity theft report in the past According to FCRA Im due a proper investigation which provides documentation showing my signature giving permission to gain lines of credit. I would like this account removed from my credit report if proper debt validation isnt completed. This is a violation according to FCRA. 
Should you choose to be negligent in rectifying my aairs, I will initiate monetary arbitration in small claims against Equifax, XXXX XXXX XXXX I WILL BE LISTING BELOW FCRA POLICIES THAT ARE BEING VIOLATED : 15 U.S Code 1681c- 2 / 15 U. S Code 1681b- 15 USC 1692 g / 15 USC 1681i / 15 USC 1681e Section 609 of FCRA / FCRA 623 ( b ) ( 1 ) / FCRA 623 ( a ) ( 2 ) / FCRA ( a ) ( 6 ) ( b ) FCRA 616, 617, 621 / FCRA 605B Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Reporting company used your report improperly

Complaint:
In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : RentRecovery ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
In 2021 I received a debit card for unemployment a boa prepaid debit card I'm supposed to have a balance of XXXX on there which I never received any of the money at once it was put in multiple payments I only spent a little bit of the money as they closed my card over and over and over again and told me to verify in the bank with two forms of ID in California which I now live in Idaho because I had to come home because I was homeless and broke with my account frozen over and over again I'm still trying to resolve this matter as the EDD just closed my account because of a another fraud thing I don't know really the whole thing is just a big mess the money was stolen out of my account by fraud when I didn't even have an active card on file I still don't have an active card on file and I was trying to dispute the money they denied every claim I made made me wait 90 days for an answer and still never got it cleared up I am still walked out of my account still trying to get back in it I still have to clear my ID check with the EDD to even be able to start the dispute process with Bank of America again on the card and it's two years in the making now and I'm still looking for some kind of resolving I'm filing this complaint because as soon as I verify my identity with EDD again I'm afraid the Bank of America will put another lock on my account so that I can't start the dispute process for the third time I'm very tired of doing this and now I have to pay taxes on that money that I never received because it was all taken out of my account by Bank of America and so I'm going to upload my documents as soon as I can and try to get this straightened out so I can pay my taxes on this money that I never received that was stolen and I need to start this dispute process all over again and it's going to be a wreck so I'm going to file this complaint so you guys know what's going on and I hope to get this resolved as soon as possible Bank of America is impossible that have just been back and forth with EDD Bank of America EDD Bank of America it's just a never-ending battle

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 2023-02-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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 have reached out to Experian several times in regards to a credit report update which has not been dont since last year. They keep giving me reference numbers but I still have not has a change. I have been denied credit due to this.

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 2020-02-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke on XX/XX/2019 to XXXX XXXX about my past due balance to Synchrony Bank. I explained that a recent divorce and medical issues had caused me to get behind but that I did want to get current on my payments. He explained that I could pay a lump sum of {$620.00} and then {$110.00} per month thereafter to bring my account current. I made the payment of {$620.00} just a few days later and a payment of {$110.00} in XXXX. 

I started getting calls again in late XXXX saying my account was past due. I spoke to XXXX XXXX who communicated to me that because I had mentioned that I was considering bankruptcy in the XX/XX/XXXX conversation, that those payments somehow didnt count to bring the account ( there was a language barrier and I didnt understand his reasoning ) current and that I will need to work out a new payment arrangement with him. 

I asked to speak to his manager, and was transferred to XXXX XXXX. She was extremely difficult to deal with in general, but said that the earlier payment arrangement isnt valid anymore and I would need to work out a new one with her since the fees were different now. 

She offered me a new payment arrangement of : XXXX- XXXX XXXX- XXXX May- XXXX XXXX- XXXX XXXX- XXXX XXXX  XXXX  Clearly refusing to honor my earlier agreement from XXXX. She also emphasized that I would need to schedule these payments with her automatically from my checking account and I could not pay by check or use my bank accounts bill pay feature. I was very skeptical to provide my bank account information due to the apparent disorganization on their end providing multiple catch up arrangements and I also prefer to make payments on my paydays rather than having to reserve the amount in my checking for automatic payment. 

The refusal to honor my agreement with the first representative I spoke to now puts me in a bad situation and it will be hard to catch up on this balance. I understand that I have fallen behind and I want to get caught up but its difficult when the Company just changes their mind about your workout arrangement. It just feels like Im being played with and they are taking advantage of me when I am already in a vulnerable situation financially.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
According to XXXX XXXX, TransUnion is reporting credit score/credit history from 6+ months ago. When I log on to TransUnion account, I am unable to get a copy of full credit and in order to see my credit score on TransUnion, it prompts me to pay.

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 2023-08-15
Company: EQUIFAX, 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: 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA
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:
XX/XX/2022 i contacted each bank that showed on my report i did not apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive submitted paperwork for this account several times. from what the company is saying the debt was opened in XX/XX/XXXX. Ive disputed it many times but they still reply with this debt is valid. A month ago I sent an validation letter to the credit bureaus. I did not get any validation of the debt, only a letter from the credit card company saying that they validated the debt but only listed my name and when the account was opened. No other information was given and none of the information I requested in the validation letter was given. 

Then I checked my credit report and saw that the account had been updated to paid in full but still no deletion either way. Then today XX/XX/XXXX I get a notification from my credit monitoring services showing that the same account has been transferred to a collection agency and is showing as a collection. As stated above Ive sent in FTC afidavit forms stating that Ive been a victim of identity theft, yet this company refuses to remove this account from my report. 


( Ive included documents from my credit report. It states at the bottom that the account transferred or sold, charged off, credit card ) it has said this statement since it appeared on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi Bank offered a Savings bonus of {$450.00} when {$50000.00} was deposited within 20 days of opening the account and balance was maintained for 60 days from when the funds were deposited. I deposited {$50000.00} on XX/XX/XXXX and have maintained the Balance to this day, ( XX/XX/XXXX ). I contacted the bank 3 or 4 times in XXXX but did not keep records of contact until XXXX. Since the first part of the year I have been in contact with the bank no less than 6 times. XX/XX/XXXX was when I actually got a case number from XXXX who acknowledged I had meet the qualifications of the offer in a chat. Follow ups were made XX/XX/XXXX, XX/XX/XXXX, XXXX, ( talked with a supervisor ), XX/XX/XXXX, ( talked with XXXX who said she would forward to a manager ), and XX/XX/XXXX, ( talked with supervisor, XXXX. Each time I talked with someone I was told someone would get back to me with in 5 business days. Twice I was told they would get back to me within XXXX hours. I have yet to be contacted by anyone. This last time I called, XXXX, told me they have a backlog and I will just have to continue to wait. I've continually asked if there is another department I can contact and they always say no, we're it. It's been over a month since I was given a case number and 7 months since making my deposit. That seems like long enough for them to rectify this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
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: Their investigation did not fix an error on your report

Complaint:
Transunion shows that I missed a payment in XX/XX/XXXX in the amount of {$540.00}. 

I have disputed this on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time the missed payment is removed but then put back on the next month. 

We have spoken to the bank ( XXXXXXXX XXXX XXXX XXXX ) and they said they are not the ones putting it back on the credit, Transunion is also saying they are not putting it back on my credit. 

Please help!!!!!

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 2023-08-15
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from XXXX XXXX that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my dmv history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life

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 2016-08-01
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became suddenly ill in 2013 and had to go on long term XXXX. My salary was cut in half but I managed to pay my mortgage on time every month until the long term XXXX just stopped paying me. I had to appeal the XXXX while also waiting for an answer from Social Security. At this point I became two months behind. I was honest enough to call Nationstar right away and tell them what was happening to me. I was eventually turned over to a FORECLOSURE PREVENTION SPECIALIST. How ironic is that title. I won my long term XXXX appeal and have also been approved for social security so I have been able to make XXXX payments, but I am still XXXX behind. I filled out a application to modify my loan on the basis of medical hardship. It was denied pretty quickly. Explanation was I did not qualify ... ..that 's all the " specialist '' could tell me. She did say I could fold in the XXXX late payments to my already {$940.00} a month payment and add extra to it. So I qualify to make extra payments on half of my salary but I do n't qualify to lower my payment. These are crooked people, they do not take your hardship and decrease in salary into account. The problem for me is I am under water, I can not sell my home for what I owe on it, and the payment is too high for my decrease in salary. I need help. But when it comes down to being XXXX, I do not qualify. I have owned my home for nine yrs. They are unwilling to budge because frankly they are making a killing off my payments. I want to add that I asked my " specialist '' if they would consider waiving the penalties and interest and remove the credit ding that this has caused, and that was a also a big NOPE. If I had deliberately caused these things to happen, I would understand. I think this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: ClearLine Loans LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On or about XX/XX/2023 I began receiving emails in my gmail acct about pre approved, unsolicited loans> i have not applied for any online loans. On XX/XX/2023, I received 2 voice mails on my cell phone to call and complete the process for my pre approved loan. i returned both call to Clearline Loans and informed them i had not applied for a loan and this was a fraudulent claim. Both representatives requested I file a police report and they take fraud seriously. They would flag and remove my account from consideration and that the application was from a clearinghouse and I would likely receive more offers. The company did verify my birthdate. 
I have filed a police report and have had a lock on my credit due to 2 prior identity theft issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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 ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-07-06
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld systems has been trying to collect an invalid debt. I asked for validation of the debt aside from the wrong information they're using to validate the debt they didn't send me the letter within the 30 day period. This invalidates the debt and allows me to collect {$1000.00} from them. I sent the letter asking for debt validation via certified mail with return proof. I sent to their headquarters and where they told me to send it. They signed for it on XXXX/XXXX/23. The letter they wrote validating the debt is labeled XX/XX/23. The letter I sent where to send it too they have a stamp that says " XXXX XXXX '' which they put in the date of delivery. I'm not sure what day XXXX XXXXXXXX days but it's over 30 days. 

So the validation was wrong and they broke the law by not responding in 30 days and I don't know if it's legal to use a stamp to sign for certified mail and not fill in the day you received the letter. Also the debt validation has wrong information it says XXXX XXXX was my referring physician. This is wrong and I will be googling and telling him that he is being used by a debt collection company to justify a debt. Also there's minimal information on the actual validation. It's riddled with blank spots. The original creditor XXXX XXXX should be investigated for insurance fraud XXXX XXXX did not refer me to them.

Company response to consumer: Closed with explanation