BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
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:
I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report to help clear my file. alot of data is not 100 % valid. this is hindering my file. please review an an correct my report asap. all data invalid is in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear XXXX, XXXX, and Experian, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny 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 2022-03-23
Company: LTD Financial Services, L.P.
State: CA
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:
On XX/XX/XXXX I sent a letter to LTD Financial Services to validate the debt they assume I owe to their company. They have been reporting to my consumer since XX/XX/XXXX I never enter into any kind of consumer contract, they could not provide the validate the debt, they fail to report the dispute to XXXX FDCPA Section 807 ( 8 ). This has cause me a lot of pain and agony, do to them reporting toXXXX this on my consumer report This defamation of character, I had to live in a hotel for 2 months with my kids because I was getting denied for apartments it was very expensive and stressful. I had to pay a higher deposit with and find someone to co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XX/XX/2019. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TRANSUNION was sent an affidavit regarding notice of violations on XX/XX/2022 via certified mail. I'm showing that they received the affidavit on XX/XX/2022. They were instructed to respond within 5 days if receiving the affidavit to respond. A reasonable amount of time has passed with no acknowledgement on their behalf. Once again my attempt to resolve all of my issues with TRANSUNION have gone unanswered. According to the law TRANSUNION is now bound by the contents of the affidavit due to lack of response. All violations are punishable in the amount of {$1000.00} pursuant 15 USC 1681n and 1681o. Tracking number XXXX XXXX XXXX XXXX XXXX shows proof of delivery on XX/XX/2022.

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 2020-03-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
COMPANY IN QUESTION IS HOME DEPOT COMMERCIAL CARD SERVICES OF XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX ( RETURN MAIL ADDRESS ). 

OR DEPARTMENT XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX ( REMITTANCE ADDRESS ). 

ISSUE IS RATHER SIMPLE. I TRULY ENJOY THIS ACCOUNT BECAUSE RETURNS ARE SO SIMPLE : PRESENT CARD AND ITEM ; THEY SCAN AND CREDIT ACCOUNT. 

PROBLEM IS WITH BOOKKEEPING. THIS PAST BILLING CYCLE OF XX/XX/2020 SAW A {$50.00} CREDIT ON THE ACCOUNT AND {$11.00} OF CHARGES. THE CREDIT WAS NOT APPLIED TO THE CHARGE SO A LATE FEE COULD BE ATTACHED OF {$20.00}. THIS WAS REVERSED AFTER A CALL TO THE BILLING CENTER -- AS LONG AS IT ONLY " HAPPENS '' TWICE A YEAR. 

THIS HAS BEEN A RATHER ROUTINE ISSUE OVER TIME ; THE JUSTIFICATION IS I/WE DID NOT " TELL '' HOME DEPOT WHAT TO DO WITH THE CREDIT. TO ME THIS APPEARS TO BE A SLY WAY TO ASSESS FEES TO BOOST CASH FLOW. FORTUNATELY WE ARE A TWO PERSON ( MARRIED ) OPERATION. IN A LARGER COMPANY WITH SEPARATE BILL PAY DEPARTMENTS, THESE SNEAKY FEES WOULD SLIDE THROUGH AND GET PAID BY INNOCENT ACCIDENT. 
PERHAPS THIS ACTIVITY IS NOT ILLEGAL BUT IT IS UNETHICAL.

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 2023-11-29
Company: EdFinancial Services
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I XXXX XXXX XXXX in XX/XX/2023, and have been a little confused with all of the recent actions regarding Biden 's Student Loan Forgiveness and deferred payment programs. My latest understanding is that payments would resume six months after graduation, not to mention I do not remember ever selecting the repayment terms of the loans I received, ( six year, ten year, etc. ). I'm sure I did, at some point, but you forget that information when you don't have to make any payments or pay attention to the loan do to deferred accrual of interest. My loans have changed hands so many times that it is difficult to even remember where to log in to see their status. My biggest concern however, is that since my loans are currently in their " grace period '' where no payment is due, however interest is still being charged, I wish to receive some type of correspondence outlining how much interest is being charged and when the loans started accruing interest again. To Find this information I actually had to do some digging. It seems as if this information is somewhat hidden and the average consumer would have difficulty finding this. In fact, on the " Account Summary '' tab, there are line items referring to " Capitalized Interest, '' which shows all XXXX which seems to suggest that interest is not accruing. The Customer Service Rep simply said that it meant that interest was accruing but {$0.00} of this interest was added to the " principal balance ''. I had to call the company to ask why my balance was rising to figure that out. This seems misleading and I've never had a loan outside of this one, in which the interest that was accruing wasn't clearly shown in some type of statement.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding has been attempting to collect on a debt by way of Mail Fraud.I demand they cease and desist all communications in regards to this debt including removing it from my consumer report. I have already identified these items to the NCRA 's and this complaint will serve as notice that by law they have 4 Days to remove any information identified by the consumer as identity theft. XXXX  has already removed one of the accounts but I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to transunion which they received by certified mail XX/XX/22. Requesting the original creditor information for a collection account ( XXXX ) and also verification of this alleged debt. They sent me a letter unrelated to my request. They have violated regulation V and also 15 usc 1681c as a consumer report shouldnt include such adverse information. They were notified in writing as they never received my written consent to even publish this deragatory information about me defaming my character. Also the account was deleted by XXXX as they COULDNT verify this account.

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 2017-12-02
Company: Experian Information Solutions Inc.
State: MD
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:
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX Experian and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

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 2023-11-29
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Per XXXX, Fidelity National Financial apparently had a cyber attack a week or so ago so they shut down all systems ( including subsidiaries ) for security reasons which in turn is preventing any customer to access any of their services until the issue is resolved. The main issue is there have not been any notices sent to ANY customer that I have been able to find including myself. I have been trying to call in and access the website for over a week and am unable to get any sort of response as it seems all systems are down with no reported XXXX for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have provided XXXX with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed XXXX letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.

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 2023-11-29
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting the deletion of account NATIONAL CREDIT SYSTEM XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. NATIONAL CREDIT SYSTEM is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account NATIONAL CREDIT SYSTEM from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
The last complaint filed indicated they sent a letter to their agency to cease and desist, which is a lie. This company continues to harass me and filed a law suite without notifying me, and send a letter to my employer which caused me to be fired from my employer. Also, on my credit report its showing the account open and theyre reporting as if I still have an open account and possession of the vehicle. Theyre reporting to the credit bureau Im behind on my monthly payment. I do not have an agreement with TD Auto Finance & Im not behind on any payments. This car was sold per the blue book worth at auction for {$10000.00} and they didnt refund the warranty and gap insurance payments on the loan. They also applied additional credits, and did not include payments I made made prior to the repossession. Its showing I owe over {$28000.00} in which Im not going to pay because they have been paid for the car. This company has continued to harass me since XXXX, even more since XXXX ; desecrating my character and causes me to be fired from my job, and has repeatedly harassed me throughout the pandemic & currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: NJ
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:
THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
YOU ARE REPORTING THESE ACCOUNTS INCORRECTLY. I HAVE BEEN A GOOD PAYING CUSTOMER EVIDENT ON THE HISTORICAL RECORDS OF THE ACCOUNTS.

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 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This pertains to a previous CFPB complaint ( # XXXX ) against XXXX that was inappropriately closed by CFPB, due to lack of resolution. Bank 's response was woefully insufficient. 

We have had dozens of interactions with SunTrust/Truist bank reps, but the upshot is that Truist STILL has not reimbursed us for a {$7900.00} counterfeit check that it ( as SunTrust ) allowed someone to cash from our account on XX/XX/2022. We have had dozens of interactions with many different bank customer service reps -- including XXXX XXXX and XXXX XXXX, who were both understanding and sympathetic, but ultimately unable to bring about resolution. We have NOT been allowed to speak directly with anyone in the fraud department. 

Both we and Truist possess clear evidence that SunTrust was at fault. We sent XXXX XXXX XXXX at Truist a picture of the BLANK check -- still sitting in our pad of checks -- with the same number that was used on the counterfeit. We SAW an image on the cashed counterfeit check on SunTrust 's before that account was closed -- and saw that it was obviously NOT an authentic signature. SunTrust employee XXXX XXXX can tell you that on XX/XX/XXXX there was a similar attempt -- quite possibly by the same party -- to cash a *second* counterfeit check, but fortunately XXXX XXXX noticed XXXXrregularities, such as the signature mismatch, and stopped it. We have written acknowledgement from XXXX XXXX that SunTrust/Truist 's Fraud Department mishandled our case because it did not carefully read the case details. He therefore re-opened and re-escalated the case, but we have heard nothing since. 

This issue has inexplicably and inexcusably dragged on for more than two months. These funds are FDIC-insured, and multiple third parties ( including the police ) have said the money should have already been refunded, and expressed incredulity at the delay. 

We want ( a ) our full {$7900.00} refunded ; ( b ) full results of the investigation; and ( c ) reimbursement for other related fees. We would also be very happy to speak directly to an investigator to clarify and/or provide any additional information that might be helpful.

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 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with this creditor XXXX  department store XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and pertorm an investigation. 
The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX Transunion missing date last active and Transunion and XXXX failed to do an update and do a proper investigation.the credit account XX/XX/XXXX even disputes XX/XX/XXXX, XXXX received a update of the creditor with a late payment.

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