BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX DEPART ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, 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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2022, Bank of America informed me that within five to seven business days I was going to receive a new credit card because the account that I had before had been closed due to fraudulent activity. The number of the acount that was closed is XXXX XXXX XXXX XXXX. I have contacted Bank of America on several occasions and they always told that they are going to mail me a new credit card but they never sent me the new credit card. Please request Bank of America to provide me a new credit card inmmediately.

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 2023-10-03
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Credit reporting 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:
These hard inquires were done on my credit reports without my authority. 
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 explanation
Consumer complaint received 2022-05-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I did not consent to nor authorize, nor benefit from the account XXXX of Midland Credit Management , Inc.. Block and Remove account XXXX. 
XXXX XXXX President/CEO and XXXX XXXX Division Manager of Midland Credit Management , Inc . is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All of Midland Credit Management , Inc. management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. Midland Credit Management , Inc. are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.

As in violation to 15 U.S.C. Section 1692 ( a ), Midland Credit Management has no right to commit fraud and send my information to debt collectors. My request is immediate removal of all Midland Credit Management from my personal credit report. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: IN
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:
My complaint is with Equifax, regarding a {$300.00} account with XXXX and a {$500.00} account with XXXX XXXX. The other issues are some inquiries on my credit file that I have not applied for. I have sent this information into Equifax and disputed it with em on multiple occasions and they are adamantly refusing to remove these UNVERIFIED accounts, as well the inquiries. 

I have never applied for or given these companies permission to pull my credit file. I understand this it is illegal to falsely report unverified information under the FCRA, Section 611 ( 5 ) ( A ). I have yet to receive any proof validating these accounts and inquiries and I am requesting prompt removal. 
They can not respond with " This account has been verified '', while having no proof. 

Lastly, I noticed on my Credit Report, my named was misspelled : XXXX with a " XXXX ''. My name is XXXX with an " XXXX ''. I am asking that the following accounts are removed : Accounts : 1 ). XXXX {$300.00} 2 ). XXXX XXXX {$500.00} Inquiries : 1.XXXX/XXXX  2.XXXX., XXXX XXXX 3.XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
My name is XXXX XXXX XXXX. I have a problem with Equifax, I have already sent two reports of identity theft, two letters from the FTC until I have sent them by fax, and every time I speak with a representative they tell me that the letters do not arrive

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express credit card, recommend me to apply for a gold card, credit card reward is three months to spend more than 2000 US dollars reward XXXX points, But now that I have completed the amount of consumption as required, they told me that I can't get the reward They said they wouldn't give me a reward because of my card opening history and closing my account. 
They said that I was prompted when I applied for a credit card, but I did not receive the prompt. This card was approved in advance Now they don't give me a reward, they charge me an annual fee, which I think is fraud and unfair. 
And why do I apply for a card, the website prompts that the reward is XXXX points, and the others are XXXX points? 
Is this discrimination against me? I received unfair treatment, and they canceled my reward. 
I tried to communicate with them, but they didn't want to help me solve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Credit Card Acquisitions Group
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FCRA 604 Permissible purpose FCRA 609 Disclosures to consumers Fosters and Monroe LLC is not licensed in VA as a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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 writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2020-07-10
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:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely 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 2022-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today, we received a letter from the note holder or investor, XXXX XXXX, regarding our loan XXXX stating that as the nominal mortgage owner, XXXXXXXX XXXX does not have the authority to review or approve loan modifications. When we requested a loan modification in XX/XX/XXXX based on a very serious XXXX, which caused us a considerable loss of income, the response from the unscrupulous underwriting at SPS was to extend the maturity date until XX/XX/XXXX, PLUS a balloon payment of {$110000.00} which does not make sense because if the loan was extended the lender would benefit because we would end paying more interests. SPS alleged that the lender did not authorize to match the amortization term and the maturity term and this statement is utterly false because the investor responded to my letter and clearly stated that they did not have anything to do with this abusive proposal. This modification has been reported to the USA Housing Department and is being evaluated. 

The purpose of this complaint is that after all these lies, I requested on XX/XX/XXXX, an analysis of our escrow account. This evaluation is pretty simple and consists in adding all the money deposited since SPS started servicing our loan in XX/XX/XXXX as of XX/XX/XXXX, and subtract the payments made in flood and hazard insurance and property taxes. A simple addition and substraction that I gathered and reflected in a simple spreadsheet that was contradicted by SPS. On a letter dated XX/XX/XXXX SPS stated that we have only paid {$38000.00}. This amount is incorrect, we have paid since XXXX to the escrow account {$40000.00}. There is not way around when talking about numbers, the sum of all the deposited money appear in multiple statements, and despite having sent to SPS proof of payments, SPS still insists that we have a negative escrow account balance of {$1300.00} and this information is wrong. We decided to close the Escrow account and requested a refund that we have not received yet. 

In short, in addition to the abusive loan modification proposal, SPS is holding our money deposited in an escrow account and is asking us to pay for an inexistent and made up shortage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am a XXXX veteran who has never been in trouble with the law, always did the right thing, always paid my bills on time so why am I being treated this badly with no recourse by GM Financial? A year ago, I leased a GM Encore for my wife whom is a XXXX. After the first year we decided to get a XXXX XXXX van ; because we needed to use her XXXX ; and the little car was not helping with that ; so we traded the leased vehicle in. XXXX XXXX of XXXX bent over backwards to make this happen. On XX/XX/XXXX they purchased my XXXX XXXX outright and sold me the XXXX XXXX. The Encore was payed off that day. My payoff was good until XX/XX/XXXX. On XX/XX/XXXX my car payment was taken out of my bank account anyway. I had Auto draft. I immediately contacted GM Financial and was told that they did receive the payoff, but they did not know whom to title the car to and that they needed a mileage statement to complete the transaction. I passed this onto XXXX XXXX. On XX/XX/XXXX I again contacted GM and was told that on XX/XX/XXXX they authorized my refund of my car payment and that it will be in the mail the next business day. On the XXXX of XXXX I called again, this time I was told that they had 30 days to get me my money. On the XXXX of XXXX I called them again and after going through all the verification that I am whom I say I am ( this included my phone #, address, etc, I was told that they did mail it out but to XXXX XXXX XXXX not XXXX XXXX XXXX, which is where I have lived since my XXXX from the military XX/XX/XXXX. The owners of XXXX XXXX XXXX stated that they did not receive any mail for me. So I asked XXXX ( GM Representative ) if the check had been cashed and he stated that it had not been cashed. He then stated and I quote " We will OVERNIGHT you a new check, void the old check, and you should have your money in 3 to 5 days ''. Needless to say it is XX/XX/XXXX and I still have not received anything. I have not received a pay raise in 8 years and am struggling trying to make ends meet. My wife and I are raising our Granddaughter as our own plus my own adult daughter has moved back home. I just need some help. Had I been late one day with my car payment, I would have had to pay a late charge, but God knows how much interest they have made using my money and the countless other people they are doing this to. Is there no justice left?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi my name is XXXX XXXX and I have noticed unauthorized inquiry from Factual Data reported on XX/XX/2023. I don't know who this company is. 
I need this inquiry to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Southwest Recovery Services, Inc.
State: OH
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 have come to the conclusion that Southwest Recovery is not a legit company. I called and spoke to a lady named XXXX back in XXXX. I explained to her that the amount they are reporting to the credit bureaus are incorrect. The email they sent me of what the property management sent them that I owed I already had. We went over the statement, and I told her what I owed. She said she would call the property management and get back with me. She never did so I called back and talked to the owne, r XXXX who is very unprofessional. 

At first, he tried to tell me he didn't have an account with XXXX XXXX. He tried to argue me down. I told him I talked to a lady named XXXX and to look at the notes in the system. He checked and seen that I indeed talked to her. I asked what was the status of her talking to the property management? Of course, he was clueless. I told him how I'm willing to pay what I owe but the amount is wrong. He flat out told me there was nothing he could do, and I would have to pay the whole amount. I said no. I also asked if we came to an agreement can I get something in writing saying they would delete the account from my credit report, he claimed they don't send letters out like that, but when I called back and talked to another guy he claimed once the debt was paid he would send a letter out saying the debt was paid. 

XX/XX/2022, I get a settlement email out the blue saying they would take 25 % off the debt. The original amount is {$3600.00}. They know I'm desperate because I am trying to rent a house. I was willing to take the settlement so they could remove the debt off my credit reports but then when I called they said the offer was only good for that day and I have to pay it in full. 

How they don't want to listen to me and hear what I do owe but want to settle for an amount that they pulled out the air knowing they bought my debt for pennies on the dollar? I'm not about to pay for debt I know for a fact I don't owe. I'm going to keep disputing this to all credit bureaus until this issue is rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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