BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
on XXXX XXXX, 2013 I received several phone calls from Onemain Financial about a payment on my account stating that my account was past due. and and the lady told me i better bring my XXXX XXXX to the office and make payment, i went to the office and told her she will treat me with respect and she called the police on me. so i sent a cease and desist letter to Onemain Financial to stop harrassing phone calls and to comunicate with me through the USPS. and since that day Onemain Financial has refused to accept my payments and caused me to breach the contract for a loan that is secured with my vehicle title. and they have listed a different account number regarding this loan with with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2023-05-02
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account and it is causing me great XXXX  to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2019-12-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been disputing fraudulent charges on a Mattress Firm Credit Card/Synchrony Bank since XX/XX/XXXX. 
The card has not been in my possession since XX/XX/XXXX. The card was paid in full in XX/XX/XXXX 
Additionally, my name changed from " XXXX '' to " XXXX '' and the card charged was under " XXXX '', a name or signature I haven't used. 
Synchrony Bank sent me a new card in XX/XX/XXXXdue to the previous card expiring. I did not receive this card in the mail, nor was I notified that I was being sent a new card. 
In XXXX, I was sent a bill for nearly {$11000.00} in XXXX XXXX charges. I disputed these charges and the bank denied my dispute saying that " the telephone number used to activate the card was accurate ''. 
Additionally, in XXXX, XXXX XXXX  notified me that they had declined multiple charges at XXXX XXXX locations due to fraud, due to someone taking information from myXX/XX/XXXX account. 
I provided this information to Synchrony Bank, as well as information on my whereabouts when these charges happened, proof that I was at my office located over 1 hour and 1 state away from these XXXX XXXX locations, but was still denied. 
I continue to open the case back up, but keep being denied. Synchrony Bank was not able to release if there was a signature obtained during the transaction and if an ID was required when these purchases were made. 
Dates charges appeared on Synchrony Credit Card : XX/XX/XXXX : {$1000.00} in XXXX, Illinois. ( XXXX XXXX ) XX/XX/XXXX : {$2000.00} in XXXXXXXX XXXX XXXX, Illinois ( XXXX XXXX ) XX/XX/XXXX : {$5700.00} in XXXX, Wisconsin ( XXXX XXXX ). 
XXXX Credit Card charges - XXXX XXXX charge attempts DECLINED : XX/XX/XXXX : {$810.00} ( XXXX XXXX ) XX/XX/XXXX : {$370.00} ( XXXX XXXX ) I am in need of support as I feel I have provided every bit of proof that I can. XXXX XXXX  is willing to provide documentation on their end to show these were fraud charges and Synchrony Bank is still denying me.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all 3 buraus but they do not want to delete the information. On their websites it states that they get their information from 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 2023-07-10
Company: Southwest Business Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am seeking a correction regarding an event occurring XX/XX/XXXX I was notified of a late payment regarding my account. My account was scheduled for auto-pay and I have enclosed an ACH transaction receipt number with this letter showing that XXXX withdrew XXXX from my account. After speaking with XXXX customer representatives to rectify the situation I was instructed to fax proof to the XXXX XXXX  department, the enclosed ACH transaction number was sent in the fax. After sending the fax there was no follow-up or communication from XXXX regarding the issue or notifying me that the investigation was closed. 
This error caused my account to become delinquent and according to XXXX customer service representatives, this caused my auto-pay scheduled for XX/XX/XXXX to not draft since XXXX had not credited the XX/XX/XXXX payment. At no time has my account settings changed to deactivate auto-pay. As I have not been delinquent prior with auto-pay scheduled and functioning properly, I was unaware that the payment was not drafted until receiving correspondence from XXXX. Most recently I spoke with a customer service representative that notified me that the last written request sent in XXXX, XXXX to address this issue was closed without my notification and XXXX investigated the wrong date and event. From this conversation occurring on XX/XX/XXXX I was notified that a ticket with roughly the following information was executed by XXXX in XXXX of XXXX. 
TICKET NUMBER : XXXX CONFIRMED WITH CLIENT TICKET. 
TO REVERSE PAYMENT ON XX/XX/XXXX AND APPLY ENTIRE {$3700.00} AS A PRINCIPAL CURTAILMENT. 
A series a XXXX Reversals on the account payment history to occurred on XXXX XXXX along with a Principal Curtailment of {$3700.00}. On XX/XX/XXXX the funds appear to be inappropriately reapplied as mortgage payments. This caused me to have to pay an additional mortgage payment on XX/XX/XXXX to bring my account to good standing as XXXX had not credited any prior payment spanning from XXXX to XXXX as current. XXXX has reported a negative credit report that should not have occurred, which has severely affected my personal XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2022-02-01
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: Personal information incorrect

Complaint:
Please update all of my personal information on XXXX, Transunion, and 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 2022-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have a account with portfolio recovery a. I have disputed with credit bearus several times asking for VALIDATION OF THIS DEBT, I never received requested information and requesting this information to be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Convergent Resources, 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 Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

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 2023-06-24
Company: Experian Information Solutions Inc.
State: AL
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, on XX/XX/XXXX I started receiving several inquiries. The inquiries have turned into actual accounts and need to be closed and removed immediately. I added a fraud alert on my credit report on XX/XX/2023. Per the alert, I am supposed to receive a call confirming the validity of each account before it is opened. Two companies failed to do so and failed me as a consumer. The companies are listed below : XXXX XXXX XXXX XXXX XXXX Each company has already been contacted and nothing has been resolved thus far.

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 2021-03-19
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I requested for Experian to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Experian responded that they verified the account via report # XXXX. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I requested verification and never received verification just that they verified XXXX report number : XXXX ). 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Experian is reporting this tradeline as account status = " Repossesion '' and reporting a late payment each month.

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 2021-07-10
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: Was not notified of investigation status or results

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

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 2023-11-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for this debt with XXXX XXXX XXXX I do not have contract with XXXX XXXX. the debt listed on my credit report does not belong to me! it is fraudulent. I looked at my credit report and noticed an unsual collection. It was completely unauthorized, done without my consent, I have in the past lost my personal credentials while searching for a job in which I had my social security card which I believe someone possibly stole my information. Please kindly I ask that remove this debt collection off my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
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:
Wells Fargo reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.

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 2017-03-25
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Attempt to transfer a credit mortgage to me without consent : The following issue paid and closed around XXXX at time of XXXX contract was signed by me XXXX initial opening in XXXX. Same was after around 11 years of payments was repossessed / by Greentree for missing a few payments remaining on the total sale to have the trailer, I lost my job and was unable to meet the payments and didnt have any finical recourse at the time, later greentree submitted garnishment of taxes, to the state, til the bill was paid and later sent me a statement of it having been paid in the mail, it was purchased by someone else and rented out for a number of years up til present XXXX began getting a notice from Ditech, along with a list of theft use on my credit of party 's trying to obtain mortgages using my identity without my consent. The Greentree company location was burned and this is someone with a confused issue. Any recent matters are identity theft, trying to use my credit at this location. Property does not belong to me and should not be in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue

Company response to consumer: Closed with explanation