BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Here we go AGAIN with Tweedle Dee, XXXX, and XXXX, otherwise known as Transunion, XXXX, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

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 2019-10-26
Company: MARINER FINANCE, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Mariner Finance is using predatory unethical, illegal and predatory lending practices. I renewed a loan in XX/XX/2019 requesting additional funds for a family emergency. The loan was approved for a specific amount. When it came time to sign the papers, they told me they would add another {$500.00} to the loan and use my vehicle for collateral. I told them there was no value in the vehicle as I had filed a GAP claim for a TOTAL loss. They proceeded to file a lien with Motor Vehicle anyway. The GAP claim has been settled, the vehicle has been deemed a TOTAL loss, the first lien holder has released their lien and Ive purchased another vehicle. I received no cash for the vehicle. 
They also, without my permission, proceeded to contact my insurance company and add their company as an additional loss payee. Our insurance company based on the presence of an additional loss payee, raised our rates. 
As instructed by the first lien holder, I went to the Department of Motor Vehicle to change  the title to a salvage vehicle. They would not do that until Mariner Finance releases their lien which they refuse 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 2019-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-08-19
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Out of the blue, XXXX sent me a bill for over {$400.00}, despite me having no business with XXXX for at least 6 months. 

I called XXXX and requested proof of debt. They responded by sending me another bill with late fees. 

I then sent them the first of four ( 4 ) CERTIFIED letters requesting proof or debt, itemized charges & copy of any agreement I signed. XXXX continued to send me bills with late fees but never responded nor sent me any proof of debt as required by law. 

After my 4th certified letter to them that was completely ignored, they sent my account to collections with IC systems. 

I called IC systems and requested proof of debt, itemized charges and a copy of any agreement I signed and they ignored me, just like XXXX. 

So at this point, both companies have violated the Fair Credit Reporting Act and have illegally sent my account to collections and damaged my credit. 

When I submit complaints with the credit reporting agency, they tell me that IC systems/Sprint confirmed the debt and they won't remove it from my credit report. 

However, they have refused and failed to confirm the debt with me. They have violated the FCRA and they are continuing to refuse to supply the information or remove the false claim from my report. 

At this point, they've had 6 different certified letters sent, to both XXXX and IC systems. They have blown me off for 2 years now and I demand this get removed. 

They completely failed to follow the FCRA and, as written in the act, the debt is invalid if they fail to comply with the FCRA and fail to provide me with the legally required information in a timely manner. 

I know nothing of this debt and at this point, both XXXX & IC systems have gone well past the timeframe legally spelled out in the FCRA, making this debt invalid.

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 2022-12-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
When signing up with the card they never tell you or gave me terms saying this is this or that. I never even received my card on the mail I was using a copy I was able to download online to use it. I never got statement in the mail and now that I look at the statements I see they even have my address wrong.So a year later with care credit I think I'm almost done paying my card because I make high payments like $ XXXX but always over my min payment. I go into the account to log in and I see I'm being charged XXXX instead of the XXXX dollars I was currently at going down in back at where I started it I would of known this I would of never signed up with this Care Credit company!

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in 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 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 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 2022-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2019-10-26
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BARCLAYS BANK DELAWA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-08-18
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CCB/XXXX Date of inquiry : XXXX  This is not mine. 

2. Identity Theft CCB/XXXX Date of inquiry : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Amsher Collection Services, 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: Investigation took more than 30 days

Complaint:
I've been disputing this negative information on my credit report and I have not received any information regarding my dispute. Please investigate to remove immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTOR ONCE AGAIN VIOLATING ALL ONSUMER PROTECTION LAWS, ESPECIALLY : " THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X FOR LAST TIME. WE ARE PREPAING CLASS ACTION EFFORTS SHOULD YOU FAIL TP PAY US {$100.00}, XXXX IN DAMAGES TO XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX   WITH IN 10 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: FISERV INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am a victim of identity theft and fraud. 
XXXX XXXX is a online sports betting services. I used my debit card ( XXXX  ) to purchase a betting slot on XXXX. The funds were readily available in my XXXX  account but instead XXXX XXXX sold my information to a 3rd party debt collector called TRS Recovery Services , Inc a few days later. I have never had any relations, contracts or dealings with TSR Recovery until now. TRS Recovery Services, contacted me XX/XX/2021 in attempt to collect a debt. They DEMANDED that I pay the balance in full & that If I did not pay the full balance promptly, then they would assign the file to one of my collection agents for follow up. They continued by stating that the Agent would attempt to contact me by telephone and make recommendations for further collection act. 
These are all violations to my consumer rights according to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: MN
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 am a natural person, I have rights under 15 USC 1681.

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

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give Equifax my written permission or consent to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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: Credit inquiries on your report that you don't recognize

Complaint:
There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 ) XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) 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 2020-07-20
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a digital savings account via XXXX that I use to save money. Have not been able to draft money or link account to checking account for 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-08-18
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:
FTC filed XXXX XXXX for {$770.00}, XXXX XXXX XXXX XXXX for {$8300.00}, XXXXXXXX XXXX XXXXXXXX for XXXX These accounts was the result of identity theft. According to the law 15 USC 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. Transuion have stated the do not have to comply by the FCRA.

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 2019-01-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 )  XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) 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 2016-02-08
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PMI Cancellation request denied a second time by Nationstar when my loan is current and balance is at {$28000.00} / XXXX %. The original loan originated in 2007 for {$40000.00}. Home purchase price {$42000.00} in XXXX 2007. Home at XXXX XXXX XXXX XXXX XXXX KS XXXX. XXXX County Appraised value {$42000.00}. XXXX I understand the law says PMI must be taken off at XXXX %. That would have been when the balance was at {$31000.00}. I have paid on time, and have made upwards of {$2000.00} of extra payments towards the principle since XXXX 2007. I am a XXXX vet on a limited income. Nationstar wants me to pay for an appraisal and title search which will cost over {$600.00} which is XXXX % of my XXXX payment. As far as I understand, they have been taking PMI for some months after the law says they have to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 3rd complaint against this company on same issue, the account is part of Identify Theft. 
Previous complaint XXXX was closed when CFPB received company response on XX/XX/2018 where company indicated that " I have attached notes from XXXX system as to how XXXX concluded this account does in fact belong to XXXX XXXX '' but there is not any note attached from XXXX 's system. 

Please review the company 's response to complaint XXXX on XX/XX/2018 and see how this company has been misleading all of us. 

I request Source Receivable to provide a complete details on this account when it was open, including a copy of the identification provided when account was open, how and where this account was opened, how they have come up with the amount they have claimed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was involved in identity theft which was identity was used this information was placed on my credit report which is false i i request this information be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Their investigation did not fix an error on your report

Complaint:
I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. Last year I filed a complaint with each of the respective credit bureau ( XXXX, XXXX XXXX and Equifax ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.

Company response to consumer: Closed with explanation