BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: Millco Management
State: AL
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 have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes  this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the Agency to remove incorrect information and provide proof that they have my permission to share, sell, or use my personal identifying information. I originally asked on XX/XX/2022 and have been ignored and been sent stall letters and none of the FCRA rules seem to apply to this Agency This is the request I submitted to each Agency This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. 
You have no permissible purpose by law to contact third parties with my private or personal information.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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 2022-05-26
Company: EQUIFAX, INC.
State: NY
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my Equifax and XXXX reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting Equifax and XXXX, they are stating that they have never received the information from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 explanation
Consumer complaint received 2021-10-05
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:
Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: CT
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
When I investigated my credit report, I realized that some of the information was erroneous. Transunion is 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : 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 2022-05-25
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
An audit of the " Account 's '' XXXX shows wrongfully interference on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Plaintiff : Sur-name : XXXX, Given name XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Transunion Consumer Solutions The Executive office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : File Number # XXXX Date : XX/XX/2023 This notice serves as Notice of Fault and opportunity to cure your negligence in Violation of the Fair Credit Reporting Act ( XXXX ) Statement of Facts On XX/XX/2023, Plaintiff, sent a dispute letter challenging the response from your company that the description of reinvestigation came from the Bankruptcy court. Account : XXXX XXXX XXXX XXXX  XXXX Attached with the letter was proof from the Bankruptcy court Clerk did not validate the public record listed on my credit file. 

XX/XX/2023 an additional letter was sent not agreeing with latest response from your company not taking liability that the dispute center did not validate the public record on my credit file. 


As of XX/XX/2023, your company has continued to ignore the proof and state the account on my credit file is accurate and has been verified. 

Your company responses not complying with the Law according to the Fair Credit Reporting Act Pursuant to 15 USC 1681i ( 5 ) ( i ), is resulting in making the Defendant ( Transunion Consumer Solutions ) at fault in this matter.

Pursuant to 15 USC 1681i ( 5 ) ( i ), states you must delete any Unverifiable information in the consumers credit file. 

Opportunity to Cure In the event that the Defendant failure to respond to this Affidavit was an oversight, mistake, or otherwise unintentional reinvestigation with your Dispute Center. 

Failure to cure will constitute as negligent by not following the Fair Credit Reporting Act.

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Im filing this complaint because on XX/XX/2023 I deposited a check in my account, the XXXX check was a refund on my security deposit from my rental company. After waiting several days the check finally cleared, and on XX/XX/2023 I went inside of a local Bank of America branch ti access my money. Upon doing so i was immediately met with skepticism and a bunch of question, being a XXXX male I personally feel like I was stereotyped and ultimately was told Id have to stand by as the teller verified my check deposit from days prior. After waiting over 30 minutes the teller finally arrives and tells me the check couldnt be verified, I dont understand how that could be as although my rental company had a history of long hold times someone always answers the phone, so once again I think this was more personal then business. Moving forward I leave the bank upset that I couldnt access the money I waited so long for, however that wasnt even the worst part, I soon found out my whole account had been frozen, with no access to my money. I couldnt pay for food, the hotel I was staying at and ultimately ended up having to sleep in my car for a few days. The support lines were no help and only told me Id have to wait as my account was under review. It is now XX/XX/XXXX and I still have no access to my money, bills are piling and Im running out of excuses to tell my creditors. Im very disappointed in Bank of America and once this is resolved will be swiftly changing banks.

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 2023-06-21
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer of the credit union for over twenty years. I am satisfied with the quality and banking service provided. 
However, most recently, I found I have been charged monthly for a number of months without having signed up for a Bill Payer Plus service. I never signed up for the this service provided by San Diego County Credit Union. I don't have any payments through the systems. I noticed charges have been incurred for the last few statements. I called SDCCU. They claimed I signed up for this service in XX/XX/2021. I asked for proof of this? They could not provide it. I also searched my email and communication. There is no record of me signing up. Since then, they have been charging me {$4.00} for this service, monthly. I don't check my statements as thoroughly. So, that is on me. However, the call agent was willing to refund me XXXX months of the fee, ~ {$20.00}, while the fees have amassed to {$140.00} over the last two and half years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred {$380.00} from WellsFargo to XXXX XXXX  once on XX/XX/23 ONLINE TRANSFER TO XXXX XXXX AND XXXX  CHK XXXXXXXX XXXX XXXXXXXX REF # XXXX FOR TAXES {$380.00} However, I see 2 deposits of {$380.00} in XXXX Bank. Please recover {$380.00} from XXXX Bank. I didn't logon to my account until today after traveling out of state. I apologize for the delay in reporting the incident. Even though I have received email, I thought the notification was about the transfer I made once. 

{$380.00} WELLS FARGO XXXX XXXX Checking XXXX XX/XX/XXXX at XXXX Notes Attachments Add an attachment Bank description WELLS FARGO XXXX XXXX WELLS FARGO XXXX : XXXX XXXX XXXX XXXX ; with reference : ACH Trace ID XXXX Company entry description DDA TO XXXX ==================== {$380.00} WELLS FARGO XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Notes Attachments Add an attachment Bank description WELLS FARGO XXXX ; WELLS FARGO XXXX : XXXX XXXX ; XXXX XXXX with reference : ACH Trace ID XXXX Company entry description DDA TO DDA

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Issued check payment to Comenity Bank on XX/XX/22 through my XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/22 I was assessed a late fee of {$30.00} and on XX/XX/22. I was never alerted of these charges until I saw them on a month invoiced. I repaid the original amount as well as the finance charges to avoid being charged further penalties. I furnished to Comenity Bank proof of a good faith effort to send payment in time and they are trying to pocket the {$32.00} in finance charges that they have no right to. Theyre saying I have to prove they received the payment which is ludicrous. They could have dropped it behind a filing cabinet somewhere. I paid what I owed and showed that I sent the original payment with plenty of time to spare and the minute I learned they didnt receive it I paid it again. I want the finance charges back. They have no right to it. They are also reporting this to credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As advised by the CFPB representative, I am filing the repeat complaint as the defaulter company is not responding to the orginal complaint # XXXX. Following is the details of the complaint This complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ). Here is the sequence of events as it happened 1. XX/XX/2018 - collection worth {$160.00} added in my XXXX  credit report by this agency for not settling pending dues for apartment rented for XXXX XXXX XXXX. Informed collection agent that, I did not receive any statement and asked for dues statement 2. XX/XX/2018 - Statement received from collection via email 3. XX/XX/2018 - Dispute raised via email. Statement had many discrepancies and invalid amounts. Main discrepancy in the statement is {$90.00} added under the head of " XXXX - Error Charge ''. They have also added additional collection charges on top of original dues. 
4. XX/XX/2018 - Sent the dispute by post as no response from agency for email for more than a month 5. XX/XX/2018 - Agency replied that they have done the review and the amount found to be correct and did not provide any clarification on the discrepancies. ( See CollectionAgentDisputeResponse.pdf attached ) 6. XX/XX/2018 - Sent letter to agency and asked to clarify amounts in detail. ( See DisputeLetter.pdf file attached ) 7. XX/XX/2018 - Letter was received by collection agency. ( See the  USPSTracking.png attached ) In between, I have reached the original creditor, XXXX XXXX XXXX, for clarification on the discrepancies and got clear reply that the collection agency has the details about the statement. 

I have made multiple attempts on XX/XX/2018 and XX/XX/2018 to reach the collection agency by phone. They are now applying confusing communication tactics to forcibly collect invalid amount which they are not able to clarify. here is how they respond to the calls : 1. Keeps quiet when asked about the clarification and calls gets automatically disconnected abruptly multiple times. 
2. Telling me the dispute is still in review and do not provide ETA when the they have done with their review on XX/XX/2018. 
3. Keep my calls on hold and transferring to a person who is not available. 
4. Calls up my friend when they have my contact information. 

I have already informed the collection agency, that I am willing to pay the dues if any once they clarify the discrepancies. But they are intentionally delaying the resolution of dispute which is affecting my credit score and causing mental harassment to me and my friend.

Company response to consumer: Closed with explanation