BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Applied for a XXXX XXXX credit card through XXXX Bank. Applied XXXX different times. 
Received letterS stating EQUIFAX has an extended alert on my account and to call them. 
Called Equifax- they state there is no such alert on my account. 
I have called Equifax on XXXX separate occasions over the past month. 
I have spoken to XXXX Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
Equifax now says to call XXXX and have them call Equifax. 
XXXX says to come into a branch office for some reason. 
I need to be sure that Equifax will not be giving out bad information. 
Feeling frustrated and caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are actually a FEW problems with the debt collectors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1 ) They are misrepresenting themselves. XXXX has been reporting to the 3 major credit bureaus, but all of a sudden, around XX/XX/2018, I get a letter from a XXXX XXXX XXXX XXXX , XXXX ( XXXX ) The letter is misleading and appears as though XXXX  are the NEW holders of the debt ; however, XXXX continues to report on my reports months later! 2 ) Alongside the previous, they are essentially trying to collect the debt from two companies ( and I have proof of this ). They are two separate companies with two separate addresses, yet one is reporting to the bureaus ( with their own address, mind you ) and the other decides to randomly pop up with a letter and I'm sitting there like 'who is this? '. In fact, I never signed a contractual agreement with EITHER company. 3 ) I did not receive ANY verification of the debt 's validity after I disputed thru the bureaus and directly with them both. Lastly, 4 ) after disputing with both companies directly, I NEVER HEARD FROM EITHER COMPANY. They didn't respond to me and they did not provide verifiable proof of the account 's validity ; this is/was to be an original consumer contract bearing my signature. They violated the FCRA and FDCPA by dismissing my debt validation letters, as well as the disputes from the credit bureaus -- the bureaus also being complicit in this -- and CONTINUE to do so by still reporting this unverified, invalidated account. I wrote directly to both XXXX and XXXX and I clearly state in my letters, " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX   } request shall be sent to me immediately. '' The letter was dated XX/XX/2018 ; it is now XX/XX/2018. Under the FCRA, they are required to delete the false account. I have attached copies of the letters to them, as well as a screenshot of their account on XXXX ( just in particular ) and a copy of the third letter to XXXX ( redacted ), showing what I sent them and the other bureaus -- and essentially how despite this, they continued to allow this unverified account to remain on my credit report. ( All the bureaus did, and I am outraged at this. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
XXXX XX/XX/2022 hard inquiry this account was opened fraudulently this not my account please remove

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. following 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 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 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 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 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 2020-02-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a complaint against Equifax. Because my personal information was stolen and I was notified that someone tried to apply for a credit card with that information, it was neccesary to freeze my Equifax account. After submitting personal information on their website, I was then denied on-line access to my account until a verification code was sent in the mail. 

After 10 days, I finally received a verification code. I entered it on the Equifax website and then was directed to enter my password. I entered my password then was prompted that I could not access my account until I changed my password. I changed my password then was prompted that I could not access my account at that time and to callk XXXX. I called that number. I was asked to type in my full social security number and other personal informtion, After 10 minutes I was routed to a customer representative at a call center in the XXXX. They said they woild freeze my account. I asked them for access to the Equifax website so that I could check if it was frozen as verification. They said they would send a verification letter in XXXX to XXXX business days. 
So first of all, how is my account that I do not even have access to protected from over-seas hackers in the XXXX, etc. And, if they are indeed freezing my account, How do I unfreezed it of check if someone else asked for it to be unlocked if I can not check the status. 
If Equifax is so disfunctional, how is it they are allowed control of our personal information. How is it that a call center ib the XXXX has more control over the use of my personal information than I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2022-09-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company LVNV FUNDING XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to
innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a credit card with Citi Bank. I called them in XXXX of 2017 and made a payment for {$450.00}. After processing the payment and the telephone clerk stating the payment was processed I told them I had to make another call and promptly ended the call. The clerk input my zip code incorrectly after telling me the payment was processed, and the payment never went through. They never called me to notify me, nor sent anything in the mail to inform me of the issue. They did tell me on the phone call my payment was processed. If I would have known it didnt process I would have made another payment. Because of this they hit me for 60 day late on my credit report. I had made a payment the previous month for {$450.00} to cover XXXX and XXXX but they didnt apply to both months. I over pay on this card every month by more than double what I am supposed to pay. I attempted to make this payment and they made the error. They refused to undo the lates because I said I had to get off of the phone on the conversation. I dont remember the exact date or time of the phone conversation, but I can obtain it if needed.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that one specific account on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this account XXXX XXXX XXXX  XXXX Balance : {$21000.00} I already sent the necessary file in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so please 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 2018-08-30
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second time contacting CFPB this year about Ocwen. The first time Ocwen agreed to put the mortgage in my name only as long as I had the paperwork notarized which I did immediately. I called the second week in XXXX and did not receive the relationship manager I was given but was passed onto another. I believe his name was XXXX. I asked him if my paperwork was received and he said yes. I then told him I didn't see where it said a dollar amount I needed to send in or where I send it to. He told me they wouldn't need the money they just needed to get the final approval on the paperwork. Said call back in a couple weeks. A couple weeks went by and I called again. They said that it was still going through the process and should be done soon. I called every two to three weeks checking on this and each time receiving a different relationship manager. Meanwhile they would not take my mortgage payments. Two weeks ago and I called again livid! The women I spoke with told me that all I had to do was send them {$2800.00} and they'd approve it. What?!! I've been wanting to pay three months ago and now they tell me once again if I send them money they will approve it! 
I honestly do not know how this mortgage company is allowed to continue the fraudulent business they have! Every single day I'm stressed to the max wondering if today is going to be the day my house goes up for foreclosure! I on top of all this have received a notice that I will be getting a temporary trial period payments ( Nothing I've seen yet ) and a lawyer that is saying that my house is going to be foreclosed on if I don't pay the full {$64000.00}! Btw before all this modification bs, I only owed {$49000.00}. So I have no idea what the truth is, where I'm suppose to turn and again, how this bank can continue to do this to their customers!! I hope once and for all this gets resolved and Ocwen is made to stop playing with peoples lives. As you can see from these documents, this is what I'm dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.

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 2023-02-21
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:
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 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 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 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 XXXXXXXX ( It's been more than 7 years.

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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : XXXX  # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, 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 2023-11-13
Company: Comerica
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was approved for XXXX in XXXX from Washington State during this time from XXXX and XXXX Mississippi including XXXX XXXX LA and now XXXX  XXXX Missouri I have been trying to contact Direct Express through the automated phone number in regards to filing disputes and receiving bank statements regarding my Federal benefits I have been cut off no response including receiving false documents and unknown amount of prepaid debit cards that are still currently active and my name XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX has or is still being used to illegally collect Federal benefits through the process of international funds and currency as Direct Express and Comerica Bank have been in the news this year for banking fraud and identity theft issues regarding the elderly and XXXX including VA beneficiaries about their accounts and funds not being available or stolen. I believe that this company should be held accountable for their banking violations if all laws and regulations just in XX/XX/XXXX they were sued by several states for violating banking laws they also are or were using my personal information to attain Federal benefits including using my children 's personal information through fraud and identity theft please investigate as these people or group maybe using this for Tribal benefits and Federal benefits illegally

Company response to consumer: Closed with explanation