BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
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:
Please see the attachments on this complaint by me- I am requesting that your company send me copy of the 1099-C, Cancellation of Debt / CHARGE OFF or write-off that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I XXXX, XXXX Authorized Representative for XXXX XXXX requesting documents and has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, XXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

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 2021-04-19
Company: Resurgent Capital Services L.P.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Hi, LVNV Funding LLS needs to take this off my credit report. My medical bills are covered under a XXXX XXXX  XXXX. I got 100 % coverage and they are refusing to remove it. With that being said, that bill was paid and it should have never been reported to the cred reporting agency 's in the first place. I was granted full coverage from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
In XXXX 2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XXXX 2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, 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 have mailed in several requests to the credit bureaus Equifax, XXXX and XXXX and requested that they remove inaccurate information from my reports. They have not verified what they are reporting per my request and rights under the FCRA, nor have they made the changes requested. I have enclosed proof of my previous correspondence and letters from the courts that state they do NOT report any information to the credit bureaus which is contradictory of what I am being told by all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: AZ
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 sent a letter multiple times to XXXX, XXXX and Equifax. However, it has been more than days and I have not received a response regarding my investigation. The status date on my credit report has not change, which means they are clearly not investigating the accounts. I discovered multiple billing errors under 15U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. Despite my initial request, I have not received any hard proof from the creditor that proves I did not pay and was marked late. Therefor, I am still adamant that these errors were purely billing errors. and I urge to rectify them promptly furthermore, I request that the following items be updated on my consumer report, as agreed. As a consumer, I have the right to have theses accounts updated immediately. in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state Under 15 U.S.C 1681 Civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CITIBANK, N.A.
State: TX
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 made payments on my Citi credit card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am being told by Citi the payments for XX/XX/XXXX and XX/XX/XXXX apply to no bill. They do not count toward my balance due. My bill for Citi is due XX/XX/XXXX. I received a notice of my bill posting on the XXXX. In fact the transaction history shows interest accrued and then my payment for {$500.00}. I made another payment on XX/XX/XXXX. I was told by Citi the payment for XX/XX/XXXX applied to XXXX bill but the payment for XX/XX/XXXX was a day late and didnt apply to the future bill or my old bill. I dont understand how I can make three payments in 39 days and only one of them counts towards an actual payment. How is that right? Or ethical? So its as if the payments dont count.

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 2022-12-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2019-10-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. 

I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. 

First of all, what kind of bank says this to their customer??? 

Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. 

The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). 

This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. 

This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
For 4 years, I have tried to resolve this issue. In XXXX, I spoke with an account representative at IQ Data named XXXX XXXX, who began yelling at me over the phone as to why I could not afford to pay the account. He told me he does not care about any of my reasons and he will make sure I can never own a home, demanding I pay or there will be consequences. He would talk over me and not listen to anything I had to say. 

I hung up the phone and called the main line at IQ Data where I explained the situation. The lady on the phone said that XXXX 's behavior was inappropriate and they were transferring my account to another agent. She assured me " you will never have to speak with XXXX XXXX again as we do not handle business in that manner and I apologize for the treatment. '' Two years later, I called again to resolve the account and they told me " XXXX XXXX has since been promoted to manager and will be handling your account-you can only speak to him. '' That time on the phone, XXXX said he didn't recall how he spoke with me last time and so he refuses to move my account to someone else. I attempted to pay the original balance and he said I need to pay him an additional {$600.00} of an illegitimate debt. 

Please see attached supporting documents of correspondence. I drafted a letter to this agency outlining timeline of events and why this debt is illegitimate. I did not receive a response. I also included information from Data IQ attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My debit card is also a credit card I keep getting overdraft fee late payment fee XXXXevery month I never signed for credit card only debit card from bank of America my income and spending and beganing and ending balance don't match my online statement every month in XXXX  I was overdrafted and charged XXXXdollars overdraft fees.my monthly ending balance is not applyed to next months beganing balance for 2years now I have been loosing money with bank of America insufficient fund every month in XXXXand late XXXXthere are 31computer generated checks from XXXX XXXX payday loan all XXXX by bank of America XXXX dollars each paid from my account all 31.overdraft XXXX dollars each paid then overdraft I never signed for overdraft protection.bank of America has charged my account for many reason I have received a couple refunds because of fraud to my account by bank of America I have most of evidence to show fraud by bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MS
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 recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I HAVE A CHECKING ACCOUNTS WITH NAVY FEDERAL CREDIT UNION FOR OVER 3 - 4 YEARS. ON XX/XX/2021. I TRIED TO USE MY ATM CARD AND IT DID NOT GO THROUGH. I REACHED OUT TO THE BANK RIGHT AWAY BECAUSE I WAS HAVING A BALANCE OF {$1600.00}. THEY TOLD ME THAT THEY HAVE BLOCKED MY ACCOUNT DUE TO A FRUD THEY HAVE NOTICED ON IT, AND SHOULD HAVE TO WAIT FOR A COUPLE OF DAYS FOR THEIR INVESTIGATION BEFORE I COULD WITHDRAW OR DEPOSIT. I WAITED FOR XXXX WEEKS AND CONTACT THEM AGAIN FOR I WAS GETTING READY TO TRAVEL TO XXXX HAVE ISSUED SOME CHECKS FOR MY CAR NOTE AND ALSO SOME OTHER BILLS. ALL WAS IN VAIN AND HAVE TO PAY A LATE PAYMENTS AND ALSO ADITIONAL FEES ON ALL THE RETURN CHECKS. SINCE THEN, ALL THE ATEMPTS I HAVE MADE HAVE PRODUCE NOTHING. LATER I CALLED THEM AND THEY TOLD ME THAT WHAT THEY HAVE DONE ON THE ACCOUNT WAS PERMENANT, MEANING I CAN NOT GET MY MONEY OR DEPOSIT ANY MONEY INTO THE ACCOUNT, AND ALSO THREATINING ME TO PAY AN AMOUNT OF {$1500.00} TO THE BANK IN ADDITION TO MY OWN MONEY DEPOSITED IN MY ACCOUNT. THIS HAVE PUT ME INTO FINANCIAL DISTRESS BECAUSE OF THE PENDAMIC AND NEEDED HELP TO RESOLVE IT FOR ME TO GET MY MONEY AND IF POSSIBLE A REWARD TOWARDS THE EXTRA EXPENSES THAT HAS BEEN MADE TOWARDS THE RETURNED CHECKS AND THE LATE PAYMENTS. I CAN BE REACHED ON XXXX OR XXXX. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the claimant of my deceased brothers count at BoA. He passed away two years ago. Since that time I have been working with Bank of America to close his accounts out and return those funds to his estate. In that time I have filled out paperwork with them, had it notarized, returned it to them per their instructions. I have made multiple phone calls trying to understand what is required of me to close my brothers account. I continue to get the runaround and the bank continues to hold on to my brothers funds. When I use their website, I receive warning issues saying the site functionality is unavailable. When I speak to them on the phone, and follow up again via phone, I am told there are no records of our previous conversations. I believe that Bank of America is taking advantage of me given that I am over sixty-five by employing deliberately ambiguous and abusive practices. They are certainly unfair.

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