BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Update on XX/XX/2023 with XXXX XXXX  XXXX XXXX. They sent a dismissal of a garnishment with XXXX XXXX bank without the required judges signature through US mail and fax. XXXX  XXXX bank will not remove the garnishment for this reason. 

XXXX XXXX XXXX XXXX is retaliating against me and delaying access to my bank account funds. XXXX XXXX XXXX XXXX also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process 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 explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
USAA XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Tel : XXXX ( XXXX ) Sir/Madam, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name XXXX and I lost a total amount of : XXXX USD The details of transactions : XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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  Accounts has violated my Rights. 
Acc # XXXX XXXX XXXXs XXXX Acc # XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXXl XXXX Acc # XXXX XXXX, XXXX  Acc # XXXX, XXXX, XXXX, XXXX XXXX  XXXX U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: High Performance Capital
State: AZ
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:
High Performance Capital # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last year I rented my apt to various people as XXXX. During that time when I arrived home several months ago I noticed that my credit report had a credit card from SYNCB ASHLEY FURNITURE. I immediately contacted them and they said not to worry that I would not be responsible for the opening of the fraudulent card and transactions. I also need to note that the ironic part is that the fraudulent credit card shows that payments were made and they even had the furniture delivered to the apartment I was renting. I later found out that payments were being made moreover so I would not notice that the fraudulent credit card was ever opened I would have to guess. I received a letter from SYNCB stating the fraudulent credit account is being removed from my credit report and I would have to wait 60 days. Upon the 60 days I received another letter finalizing my dispute and being that payments were made I am responsible for an application I never authorized or approved.

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 2023-11-07
Company: MoneyLion Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
FOR SOME REASON MONEYLION KEEPS REPORTING THIS ACCOUT # XXXX AS A XXXX XXXX BANKRUPTCY ITS NOT AND THE INFORMATION NEEDS TO BE CORRECTED. FROM THIS POINT NOW AFTER DISPUTING FOR 2 YEARS THIS ACCOUNT TO BE DELETED OFF ENTIRELY. THE WHOLE HISTORY OF THIS ACCOUNT IS WRONG. 



REMOVE THIS ACCOUNT ENTIRELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Their investigation did not fix an error on your report

Complaint:
of erroneous accounts reported on my credit file. After reviewing my updated credit report, I found multiple errors that are affecting my credit score negatively. This is unacceptable, and I demand prompt action to rectify these errors in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am asking the Credit Reporting Agencies to update and rectify the following incorrect accounts on my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Your record-keeping is inadequate. This item is reported as past due, but the account is closed with a XXXX balance. Please rectify it now. Either provide evidence that you haven't reported false information or remove it. 

XXXX XXXX XXXXXXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please rectify this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX Balance : {$0.00} I am disputing charge-off accounts that are still reported on my credit file despite having a XXXX balance. These accounts have been paid off in full, and I request you investigate and remove the charge-off status, as it is adversely impacting my credit score. Additionally, I request a detailed explanation of the charge-off status.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XX/XX/2022 I filed bankruptcy to save my home. My lawyer said if my mortgage company approved my loan modification then there was no need to go through with the bankruptcy. The mortgage company approved the loss mitigation so my lawyer said not to make the first bankruptcy payment so it would be dismissed and removed from credit. It was dismissed in XX/XX/2022 for {$0.00} but they are STILL reporting it in my credit reports hindering me from receiving jobs and any 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 non-monetary relief
Consumer complaint received 2019-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS denied us a repayment plan home retention in response to XXXX we filed on XX/XX/2019 XXXX 46 days before foreclosure then scheduled for XX/XX/2019 ). XXXX completeness was affirmed by SPS on XX/XX/XXXX or XXXX, 2019. 
SPS denial letter of XX/XX/2019 stated Prior evaluation completed. SPS are currently not eligible for this option because SPS have previously been provided with a decision for this program. Prior evaluation that SPS refers to, confirmed by phone with SPS Customer Service and SPS Ombudsman Office representatives in XX/XX/2019, regarded previous SPS loss mitigation decision of XX/XX/2019 which stated Active Bankruptcy. We are unable to offer you this program at this time because there is active bankruptcy filing referencing this account or property SPS failed to exercise due diligence required by RESPA and to verify our bankruptcy status. Our bankruptcy was dismissed on XX/XX/2019. SPS was notified of the above bankruptcy dismissal by the Bankruptcy Court on XX/XX/2019 according to the Courts Certificate of Notice 12 CFR 1024.41 ( c ) ( 4 ) ( i ) ( 1 ) states : During the first 30 days following receipt of a complete loss mitigation application. Section 1024.41 ( c ) ( 4 ) ( i ) requires a servicer to act with reasonable diligence to obtain documents or information that the servicer requires to determine which loss mitigation options, if any, it will offer to the borrower. At a minimum and without limitation, a servicer must request such documents or information from the appropriate party Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
of erroneous accounts reported on my credit file. After reviewing my updated credit report, I found multiple errors that are affecting my credit score negatively. This is unacceptable, and I demand prompt action to rectify these errors in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am asking the Credit Reporting Agencies to update and rectify the following incorrect accounts on my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Your record-keeping is inadequate. This item is reported as past due, but the account is closed with a XXXX balance. Please rectify it now. Either provide evidence that you haven't reported false information or remove it. 

XXXX XXXX XXXXXXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please rectify this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX Balance : {$0.00} I am disputing charge-off accounts that are still reported on my credit file despite having a XXXX balance. These accounts have been paid off in full, and I request you investigate and remove the charge-off status, as it is adversely impacting my credit score. Additionally, I request a detailed explanation of the charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-11-14
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 Account 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1. All the credit report companies XXXX, Transunion and XXXX are all reporting late payments on my credit report. 
2 All the credit report companies are reporting hard enquiries without my authorization.

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 2019-08-30
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I emailed the bank to potentially change the due date for my payment. The Due date for the payment is XX/XX/2019. I emailed the bank due to horrible inbound customer service. The bank did not respond until XX/XX/2019. I asked for a change in due date of the XXXX of every month. They provided me with the following options XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I am very confused as to why they provide an option in the first place an not let a customer choose the date instead. I responded to the email on the XX/XX/2019 with the XXXX will be ok. On XX/XX/2019 they responded with an email saying that they could not accommodate my request. Not only could they not change my due date they are charging me a {$28.00} dollar late fee. I made an attempt to get the late fee waived but they are telling me I am not qualified for the waiver. Also, I made a payment on XX/XX/2019 after they told me that I could not get the late fee waived. I find that this bank is not willing to assist a good customer that is only attempting to avoid a late payment. I am very dissatisfied with this bank.

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 2021-03-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Navient continues to say I owe a XX/XX/XXXX payment of {$560.00} that I paid. It was not due until XX/XX/XXXX, but posted on XX/XX/XXXX. The XX/XX/XXXX bill reflected a past due amount of {$550.00} with a total amount due of {$1100.00} I called the company on XX/XX/XXXX or XX/XX/XXXX and explained the payment had been made. The representative insisted I send proof to fax # XXXX. I went to the bank, where the bank manager said the check had been processed electronically, so she gave me bank proof of payment to Navient of {$560.00} which posted on XX/XX/XXXX. Then I became confused when the Navient representative said my bill group # is XXXX???? That has NEVER previously been my group number and if it has changed, why was n't I notified? I wrote the usual Account and/or Group # s as they appear on my bill and I have NEVER previously had a problem. I pay my bill promptly and regularly every month. I received a call from Navient, when I was not home on Sunday, XX/XX/XXXX. I assume that was a collection call. 
I called the company again on Monday XX/XX/XXXX, and my payment had still not been corrected and credited. Later that day, I received a letter from Navient COLLECTIONS department demanding the XX/XX/XXXX payment. I called that department at XXXX. I originally spoke with " XXXX '' but that call disconnected. I called again and spoke to " XXXX '' # XXXX who initially told me she could see where a {$560.00} payment had been made, but it had apparently been miss-applied. She then said I would have to wait until after XX/XX/XXXX to allow for the adjustment to be made. She also said she would roll back collection calls. Why could n't she just stop those calls, since even she could tell the payment had been made? She then supposedly consulted with someone else who said the correction would be made in 2-3 days. Why? I need it corrected now! I mailed the XX/XX/XXXX payment on Saturday, XX/XX/XXXX ... 4 days after the fax proof of XX/XX/XXXX payment had been sent. The correction has yet to be made. I am now afraid the XX/XX/XXXX payment could mistakenly be applied to the XX/XX/XXXX payment and now Navient will say I have not made that payment. That will then propel me into a spiral cycle of nonpayment. I have also received three emails demanding XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is harassment. I have uploaded documentation.

Company response to consumer: Closed with explanation