BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Smith, Cohen & Rosenberg LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
There is a collection reporting to my XXXX  credit bureau as of XX/XX/2020 from XXXX XXXX in the amount of {$44000.00}. I have never personally borrowed anything from the orginal creditor being XXXX XXXX XXXX or XXXX XXXX. Never i have personally borrowed anything from these two companies and this was removed over two months ago and not it is back on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I was just looking over my consumer report and found some addresses that appear to be incorrect. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX, MO XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names : XXXX XXXX XXXX There should be only one name on my consumer report, which is, XXXX XXXX XXXX. 

Please remove inaccurate employers as well : 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 explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Don't remember using optimum ( ( XXXX XXXX XXXX XXXX and never was contacted my car got broken into before and my is and social was stolen

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I checked XXXX XXXX and found a delinquency report from XXXX XXXX XXXX XXXX  in the amount of {$2000.00}. That debt does not belong to me. It is reporting incorrectly on my credit report. It need to be removed.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information. please update all information submitted.

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 2021-03-08
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX canceled our internet while we were in the process of moving because the new owners of the house had requested their internet. On their end somewhere timelines were messed but because I called to notify them the last day we were going to be in the house. They shut off our internet and switched it to the other individuals account prior to us moving out. I spent over 8 hours dealing with this issue multiple times. Once we moved, I called XXXX to send my equipment back and she asked about my final bill. I explained to her what happened and told them that the bill was inaccurate as I was originally paying $ 60ish per month for my services and they wanted to charge me over {$140.00}. That is when she notified me that due to them creating a new account and it being within a 30 day window that their policy is, if you are not satisfied ( which I clearly was not XXXX they would cancel the service and I would not be charged. I am not wasting any more of my time on the phone with those people at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BBVA FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Simple bank in the fall of XXXX. Some time around XX/XX/XXXX my card started to be declined. According to the XXXX statement there is {$290.00} in the account and {$21.00} in an associated savings account. Missing from that total is a {$1000.00} deposit that was withdrawn from my account at XXXX XXXX, and is shown in the Simple mobile phone app as being in process, but has not shown up in the account balance. 

I attempted to resolve the issue with Simple Customer support and was eventually informed that Simple had decided to close my account for undisclosed reasons and that after the account closure was completed I would receive an additional support message in addition to a cashiers check for the remaining balance. They were clear that no further information would be provided to me for the reason for the account closure. 

It has now been close to 60 days since Simple began withholding access to my funds and I have not heard anything from them for nearly 6 weeks. Simple appears to be a front company for BBVA and is in the process of being shut down, I attempted to contact BBVA but after being put on hold for some time I was eventually forwarded to Simple customer service which simply played a recorded message then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Law Office of Jennifer McCoy contacted me via a mailed letter on XX/XX/XXXX attempting to collect a debt I was unaware of. The debt was utilities at my previous apartment completed who'd told me previously that I did not owe them. I contacted the apartment complex and paid the debt. I then informed the law office of Jennifer McCoy that I'd paid the debt directly to the apartment complex. The law office of Jennifer McCoy told me they updated their records to show that I no longer owed. On XX/XX/XXXX they reported a collection to my credit report despite the fact that I was never sent to collections nor owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted TransUnion, XXXX, and 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 explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7900.00}

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 2023-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
==== XX/XX/2023 : I am writing on behalf of myself and other people who are XXXX and who have ABLE checking accounts with Fifth Third Bank XXXX XXXX, OH. These accounts do not pay any interest. This is not acceptable in the current economic environment. For several months, various banking institutions have been advertising XXXX month CDs paying about 5 % interest, yet Fifth Third Bank XXXX XXXX pay 0 % interest on ABLE accounts. Fifth Third Bank should be required to offer a CD that pays some interest. If Fifth Third can not cooperate, a different bank should be chosen for ABLE accounts. For a description of ABLE accounts, review the website of the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I have reached out to Transunion ( TU ) over 25 times regarding this matter each time being hung up on or transferred into dead air.

I have asked that TU follow the guidelines of the FCRA.

I have reported REPEATED VIOLATIONS of the FCRA to the company as well.

The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved.

When i asked TU who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that TU is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for TU to furnish a report - i am hung up on.

Section 604 ( a ) ( 2 ) alongside other pieces of the FCRA identify that a consumer written consent is needed for a credit reporting agency to furnish a report.

According to the CFPB and the FCRA Transunion needs to have my written authorization which gives instruction or permission to furnish a report on myself.

I have asked TU to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that TU delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: LA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-22
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint following my previous complaint number XXXX file through this portal. The bank closed the complaint and I do not agree. 

First I never bought 2 devices, it was only 1 XXXX XXXX XXXXXXXX XXXX second : the investigation provided was very vague and not reliable information third : they are still overcharging me $ {$14.00} and I never made huge payments during XXXX or XX/XX/XXXX : they are not separating the credit card payments from the installment payments. 

why : If I made installments with the XXXX and started to pay the 1st installment as the bank says : here is my explanation of payments. 

As the bank says I financed an XXXX XXXX XXXX XXXX on XX/XX/2021 On XX/XX/XXXX XXXX the taxes of the phone for {$100.00} If they keep saying that I never started to pay the installments until XX/XX/2021, I want to clarify this and I will stand my claim with the bank statements I have plus the XXXX statements. 

Payments were made like this towards the installment for 2021 XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : 2 payments were made towards th installment : one payment of {$54.00} plus one payment of {$500.00} = {$550.00} ( total to the phone ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means I have paid the total amount of : {$54.00} x 7 = {$370.00} + $ XXXX {$930.00} If I financed the total of {$1200.00} and I have paid {$930.00}, that means that to be able to complete my entire payments to pay off the phone I need {$360.00} If the payment for XXXX installment is on XX/XX/XXXX. that means on today 's date I only owe # XXXX to pay off the phone, however on the installments says that I have a total remaining of {$380.00} which is still not true. and I want this to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Windham Equity Company
State: MA
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 company is lease and rental they have reported on all 3 credit bureaus inaccurate and incomplete information each time with no loan amount listed, inaccurate payment history, no monthly payment listed and they always make sure to add 30/60/90 days late listed on all of them they have reported three times on each credit bureau every time I dispute they change remarks or just add more inaccurate information yes I did default on the car one time but previous to that the first loan was paid and then the second one was refinanced this company work side by side with my job an auto sales company in which they are just bitter and mad that I defaulted during rough times they no longer finance our vehicles and it is because of my situation with them they are reporting false information to get back at me basically I would like to move past this to repair my credit but they wont report accurately and I wish for them to be removed from all three credit institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed by a bitcoin scam. As soon as I paid scammers I realized I was being scammed. Even though payments were pending bank said they could not cancel payments. The bank is TD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
InXX/XX/XXXX we were entered into a forbearance by Bank of America. I continued to make payments though abd called each month to make sure payment was received. Each time I was given a current paid to date. Fast forward to XXXX, I received a statement with an amount due of XXXX. They reversed all payments beginnng in XXXX stating my bank rejected the payment. I called and was transferred about 6 times finally ending up with an account manger. He advised my online access was suspended when I was put on forbearance, yet they credited every payment until XXXX. So now they put us in danger of now losing our home? Yes feel as if they are acting on fraud to collect fees. Im upset as I am still unemployed. I need guidance on what to do.

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 2021-03-08
Company: EQUIFAX, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Credit Karma, LLC
State: LA
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:
I have found out that credit karma is getting paid for using your information to these 3rd parties companies to get inquiries and tell u you are pre approve and tell u its not a hard pull on your credit

Company response to consumer: Closed with explanation