BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: VA
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 filed two disputes with Equifax since XX/XX/2023 ( XX/XX/2023 & XX/XX/2023 ) regarding the removal of unpaid medical debt under {$500.00}. The collection agency XXXX XXXX XXXX refuses to stop reporting/remove it and Equifax is refusing to remove it from my credit report stating that the debt is still valid and has been verified. I am aware of the reporting changes regarding medical debt. I had no issues getting both of the collections removed from my XXXX XXXX XXXX credit reports so I don't understand why Equifax is refusing to remove them. 

The first debt is for {$50.00} from XXXX XXXX and the second one is for {$100.00} from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Fay Servicing, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I experienced financial hardship as a self-employed XXXX in XXXX Indiana. The servicing company at the time refused to allow me to catch up my payments which were around 5 or 6 months behind. They moved to foreclose on my home and refused to take any sort of repayment plan. I was forced to file bankruptcy in XXXX. 

That bankruptcy was eventually withdrawn per advice from my attorney. I then attempted to make arrangements with the new servicer Fay Servicing. On XX/XX/XXXX I had turned in hardship packets to Fay asking for some sort of modification on my loan. The interest and fees were as much if not more than the principal balance. Fay never responded to my request. 

Fay eventually refiled foreclosure to which we are currently still working in. I have hired a real estate agent who has listed the home and has brought a reasonable offer to Fay. All cash. My property has some physical repairs it needs due to being at the bottom of a hill on a lake. 

The agent helped me turn in a hardship package, again. The offer then came in. Fay failed to respond to the offer and the hardship packet. The agent pursued communications but couldn't get any answer or direction from Fay all the way up to the day before Foreclosure. So I was forced once again to file for bankruptcy to help stay the foreclosure and give me a chance to still deal with this situation. 

Over the last several months I have fallen ill with XXXX XXXX. I have sent proof to Fay. Didn't help. The agent spoke to a manager trying to get the short sale approved and the agent was informed the hardship packet was not complete but when the agent requested the manager re-review, she said it was sufficient. 

At this time, I think I just need some help. Fay seems disorganized and unable to address my account. I do not understand my total balance due and why it is so high in comparison to my loan balance. I don't understand why they will not let me short sell the house and why they would tell me my paperwork is not right when it was. 

Any and all help is welcome. I just need to get on with my life and deal with my health. I wish to sell the home and be relieved of any additional debt. I can not take care of the property any more due to my agent and health. I do not understand why it seems like I am the only one trying to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is now my fourth time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/2022 and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/2022. For the forth and final time Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint # XXXX and XX/XX/2022 under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed XXXXXXXX XXXX XXXX  and 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. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.

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 2023-01-31
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:
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 : XXXXXXXX XXXX XXXXXXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX. Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. 

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 2019-03-04
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:
Called customer service to report I had paid on a Sunday instead of Saturday bc of the short month, I thought the second was Sunday. Representative was polite but not helpful. I have kept my payments current through Gov shut down and non payment, meaning receiving no income. This month was 28 days, this was a honest human error on my behalf and humbly request that the late fee be removed from my account. The payment was due on a Saturday, paid on a Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Massachusetts Educational Financing Authority
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a previous complaint about a month ago ; I had a private loan transferred from XXXX to XXXX XXXX XXXX and was not informed of the change. While that previous complaint was resolved, I continue to have problems with the XXXX-XXXX   transition. My issues are below : 1. While my private loan has finally transitioned over to XXXX and I am able to pay online, the monthly amount requested is totally different. XXXX   extracted from me {$180.00} per month for my private loan, most of which was principal. XXXX is requesting {$86.00} ( See attached images of monthly loan payment ). Why is this amount different? How much of this is interest, and how much is principal? Since the terms of my loan are unchanged and I am not ( nor have I ever been ) on a payment plan, I expect to pay the standard interest rate and principal per month. 

2. My public loan that was previously being serviced by XXXX has now disappeared without a trace ( see XXXX documentation from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been notified by XXXX of this change. The loan is not in my new XXXX queue, and when I called XXXX, they told me that this loan ( of approximately {$9800.00} ) is not being transitioned to them. Where did it go, and how may I pay it? 

MEFA will not respond to my queries about where my second loan went or why my payment rate has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: ZARVAD III S.A.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Representative was rude used abusive language to the receptionist, Over talked the receptionist and myself was rude and unprofessional. I told the representative on the line that i revoke their permission to contact me at any listed number. She said she didn't care and continued to harass me over the phone. I asked her not to call again. She claimed it was a recorded line. I said all of this on the recording. This occured on XX/XX/2019 between XXXX - XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/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 explanation
Consumer complaint received 2020-12-03
Company: Upstart Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report on XX/XX/20, and discovered 3 credit inquiries that were fraudulently made in my name attempting to get funds from Upstart. The inquiry dates were on XX/XX/20, XX/XX/20, XX/XX/20. I immediately put a freeze on all three of my credit reports with the bureaus. I spoke with a customer service representative with Upstart who informed me that {$4000.00} was approved and close to {$4000.00} in funds were given to the person who fraudulently completed the loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I placed an order with an online retailer and a retailer never delivered the item I disputed the item charge and the company gave me a conditional credit and they without any warning they reverse the credit the credit card company did not provide any documentation for sustaining the charge at all they provided no delivery proof or anything that showed that the item order was received or even shipped

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 monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX. account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company XXXX XXXXXXXXXXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.

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 2018-05-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We have called XXXX XXXX to have them explain how a loan balance of XXXX accrued XXXX of interest in 13 months. On XX/XX/XXXX, a payment of XXXX was applied to my account. This left a balance of XXXX. The office in XXXX informed my wife that they could not accept a full pay off from her because she was not on the loan. This was really odd to us. On XX/XX/XXXX, we paid off the loan. The pay off amount was XXXX. I still don't understand how they came with this pay off. 

The interest rate on the loan is 25.00 %. When I calculate the interest based on the loan amount, the interest should be around {$37.00}. I have been sent a copy of the my agreement but I can't find it were is states I'm responsible for the full amount of the interest of the loan assessed on the full loan amount for the full term no matter when I pay it off. 

I did find a " Prepayment '' section stating that I would be refunded the unearned portion of the Finance Charge interest if the loan was p. As of today, I have not received a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I made a reservation via credit card for a hotel stay the night of XX/XX/18. I arrived at the hotel about XXXX to be told " I'm not seeing a reservation ''. No big deal, technology errors happen. I simply re-booked a reservation while at the counter, paid via same credit card, signed my name, and stayed. I received my credit card bill the next month and noticed being charged {$91.00} ( price without dog ) for the initial reservation ( # 1 ) and also the stay I signed for about XXXX ( # 2 - price with dog ). I disputed this as a duplicate charge with Bank of America immediately. The dispute was denied and I received photo copies of the receipts with signatures on XX/XX/18, then I realized what happened. The hotel mistakenly checked in a stranger under my name about XXXX and receipt # 1 was signed for by stranger on my bill, all when I was hours away from the hotel. This makes sense about being told " no reservation '' ; stranger was already in my room. The signature from the receipt is absolutely not mine or even close and again, I was hours away. The signature from the bill around XXXX ( # 2 ) is easy to see it's mine. To make things worse, when I did arrive about XXXX, the clerk was a visible nervous mess. He misspelled my name on the correct receipt while physically holding my ID and credit card. I'm thinking he realized that there was a mistake was too embarrassed to admit it. Easier to just let me pay again instead. I was road-weary and failed to notice the misspelling at the time. 

The hotel has refused to budge and refund me. They intend to unjustifiably keep my money. 

Upon finally reaching a human to talk to at BOA on XX/XX/18, I was told that BOA isn't handwriting experts and that the charge stands as valid. BOA refuses to acknowledge the common sense of this false charge ... .hours apart. If my card is on file ( which is required to hold the reservation ) and the hotel makes a mistake, it's BOA 's good faith responsibility to back me. I can't control a hotel clerk making a mistake, intentionally/fraudulently or otherwise. I can only imagine the stress to my life if the dispute was in the thousands of dollars and BOA refuses to do their due diligence. 

The notes next to " XXXX '' on the scanned images are from the hotel representative. The handwritten " pet fee '' note and the odd page numbering. The others indicating time, total, dog fee, and signatures are mine.

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 monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
Company: Sierra Holdings LLC
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: Report provided to employer without your written authorization

Complaint:
I contacted XXXX XXXX XXXX to provide me with proof that I authorize a hard inquiry on my credit report they failed to do so therefore they are in violation of the Fair Credit Reporting Act section 1681 if they don't remove my hard inquiry I want {$1000.00} dollars. They sent me a letter telling me to contact another company but XXXX XXXX XXXX name is on my credit as a hard inquiry it is there job to provide me with proof I authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent out numerous letters to the credit bureaus regarding these accounts with XXXX XXXX  regarding an alleged debt ACCOUNT # XXXX {$1800.00}, ACCOUNT # XXXX {$1500.00}, ACCOUNT # XXXX XXXX. I have been writing disputes letter to the company and the credit bureaus requesting to validate that this is my debt or account XX/XX/XXXX and they have failed to provide me with any contract that i signed with them or with any contract with the original creditor bearing my handwritten signature. And this is with XXXX AND XXXX.I HAVE WROTE XXXX ON XX/XX/XXXX AND THEY HAVE DELETED THE INACCURATE INFORMATION 0NXX/XX/XXXX XXXX HAS DELETED THE INFORMATION OFF MY CREDIT REPORTING BETWEENXX/XX/XXXX AND XX/XX/XXXX AND THEN REINSERTED IT BACK ON MY CREDIT BETWEENXX/XX/XXXXAND XX/XX/XXXXWITHOUT NOTIFING WITH ANY LETTERS OF REINSERTION. THEY ARE REQUIRED TO NOTIFY ME IN WRITING WITHIN 5 DAYS ACCORDING TO THE FCRA. AND THEY HAVE NOT YET TO DO SO AND ITSXX/XX/XXXX. I WROTE THIS LETTER TO XXXX   ABOUT THIS MATTER ON XX/XX/XXXX. XXXX IS DOING THE SAME.THEY ARE REPORTING INACCURATE INFORAMATION ON MY CREDIT REPORT THEREFORE DAMAGING MY CREDIT BEYOND REPAIR. I HAVE GIVEN THEM AMPLE AMOUNT OF TIME TO VALIDATE AND CORRECT THIS MATTER.

Company response to consumer: Closed with explanation