BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
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:
In XXXX of 2017 I complained to the big 3 reporting agencies that my balance was shown too high for a prolonged time thus lowering my score. They deleted the card from my file [ not at all what I wanted ]. XXXX and XXXX XXXX began reporting again and reinserted accurate information. Equifax never did. XXXX XXXX  assures me they report as required monthly. I have enclosed a letter from their XXXX XXXX XXXX who phoned Equifax with me yesterday in an effort to have them report my card. We left frustrated once again that they have not corrected the error. In their response to you to close my initial complaint they lied and stated XXXX XXXX is not reporting on my file. To illustrate their incompetence further about 6 weeks ago my knee was bothering me and I had my sister do some grocery shopping for me. To make it easier for her I added her to my card so she would not have to use her own funds. The incompetent Equifax is now showing my card on her credit file but still not mine. I have filed disputes with them on-line, over the phone, in writing via U.S. mail  and thru the CFPB but nothing works. On-line I can not see the remarks since they block me from access since they do not recognize me. I am frustrated beyond belief that they continue this error despite my sending copies of my statements and payment history. I have just been turned down for a refinance on my home due to their low score which dropped over 100 points since according to them I have no credit hjistory. IN truth I have excellent credit history never late, balance always paid in full early before even being billed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following identity theft report no. XXXX identifies the incorrect accounts. I did not consent to, authorize nor benefit from any of the following accounts. I am demanding that the following accounts be removed. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25
Company: PCR Group
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a washer and dryer on or about XXXX XXXX, XXXX from Lowes Home Improvement Store in XXXX Texas for around {$930.00}. ( I am looking for the original receipt ). I was told at the time of purchase that I could pay the balance off over time and I would n't owe any additional charges as long as I paid the balance off in full within one year. I began making monthly payments on the loan. Now I am getting close to having the balance paid off and so I called the company on XXXX XXXX, XXXX to find out where I stand on the payments. From talking to the loan officer on the phone, I found out that this is a credit card that is handled by a different company. When I asked about my payoff amount, it was higher than I expected ( I had calculated the difference between the original purchase price less the payments I had made ) and I inquired why. I was told that I had been charged " late fees '' because some of my monthly payments were not on time. And maybe some of those late fees also had incurred interest charges? In any event, the loan officer credited back {$83.00} to my account, representing all of the late fees, although I am not sure that all charges have been credited back to my account. It is clear to me that if I had not called to inquire then I would have had to pay these late fees. And then, how can they say that I owe a late fee when I am not subject to interest? I clearly got the impression when I took out the credit line that as long as I paid the full balance within one year then that would be all that I would owe, regardless of any monthly payments.

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 2021-09-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX reported to Experian that an installment loan that I opened in XX/XX/2019 in the amount of {$3100.00} is a charge-off. Although payments have been made regularly on this account and the account is reported correctly on XXXX and XXXX as current/open, Experian reported the information as accurate. Further, XXXX provided my payment history along with the reporting to Experian, clearly showing continuous, on-time payments. I called Experian and a dispute specialist advised that Experian does not investigate credit report disputes, they merely ask the creditor if the information is correct and update the credit report according to the response. I've contacted the creditor and they admitted it was an error but no update has been made to my credit report, which is why I went to Experian.

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 2019-11-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On a weekday between the XXXX and XXXX of XX/XX/2019 my mortgage company attempted to call me to let me know that my account was overdue. I had paid my mortgage payment on XX/XX/XXXX but I had not included {$390.00} in escrow payment because my loan to value currently is below the threshold needed to charge this amount. Since that time the company attempts to call me daily up to 3 times a day to collect a payment for the missing escrow value in an amount higher than {$500.00}. I do not owe them this money ; I have no written agreement or contract with the company ; they are attempting to collect monies not due to them which violates the Debt Collection Act of 1982.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 xxxxxxxxxxxx XXXX, has 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 : states a consumer 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 2021-05-25
Company: EQUIFAX, INC.
State: TX
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am forced to use EdFinancial Services for my student loan accounts. Since XX/XX/2023 i have been making high-dollar payments online each week to pay off my student loans. I had no warning that this digital service would be halted. In the beginning of XXXX i was informed my account was being transferred to a different platform & I was unable to make a payment online. 
I then called the company and they told me i could make payments on the new platform after creating a new account. I then made a new account. However, the new platform has incomplete information. The loan information does not correlate with my records. The dollar amounts are off. There is no information on what interest rate each loan has. There are 19 different loans listed. On the old platform the loans were organized alphabetically & on the new platform the loans are organized numerically. 
I called the company again and they told me i wont be able to see accurate details about my 19 different loans, like the interest rate, accurate remaining balance, accrued interest ; until after the student loans payments resume IN XX/XX/2023!!! 

I'm trying to pay off my student loans, especially now that they all 19 loans are accruing XXXX interest. EdFinancial is literally making it more difficult to make a financial decision on what loans to pay off first. It's impossible to make any payment at the moment ; on any loan without seeing accurate information. This is beyond frustrating. I'm literally being forced to not make a payment until loans begin accruing interest again. 
It's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had to close my bank account with Wells Fargo due to many charges I didnt know of and fees I was never explained were being charged.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATLY.

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 2019-07-29
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There is an account that has been reporting as deragotry on ALL of my credit reports, since XXXX. Name of company is CACH LLCz i disputed this with XXXX & XXXX. They will not provide proof and validation of the accused debt. Nor will they remove it. 

It is negatively affecting my credit score, and i can not get approved for any sort of loans. Including Secured credit cards that require no credit as you pay collateral.

Specific account info : - CACH LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX Also, over 5 inaccuracies in inquiries repoeted and affexting me negatively that are beyond the statue if limitations of length. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : INSURANCE UNDERWRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Please advise how CFPB can protect me as a Consumer against these predatory lending efforts to ruin my credit scores and affecting my family from obtaining a mortgage for a house to live in

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out that someone has had access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.

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 2022-01-12
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to request the immediate removal of the accounts and associated information listed below from my consumer report. It is imperative that these accounts and information are not reported, as their presence violates the FDCPA and FCRA. This violation of multiple laws necessitates their immediate deletion from my consumer report. Please take prompt action to remove these accounts and information without delay.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 a 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 2021-06-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened up a XXXX checking account to take advantage of a XXXX account opening bonus. I opened it on XX/XX/XXXX, fulfilled all the requirements by setting up direct deposit on XX/XX/XXXX and had cumulative direct deposits of over XXXX within 60 days of account opening. 

They only disclosed that : The offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. 

I had a previous checking account but had closed it in XX/XX/XXXX ( over 12 months prior to opening up this one ). 

The bonus was never applied. When I called to inquire, TD informed me that the offer was only good if you had NEVER had a checking account with them prior. This was never disclosed in any of the promotion or opening documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: MD
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation