BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Kriya Capital, LLC
State: MO
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 don't owe anything to Credence Resource Management with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: TX
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:
I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action. 


Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2019 I deposited my payroll check into my Bank of America checking account. Since it was a new payroll check, I wanted to know if there would be any holds ; teller instructed no, stated that funds would be available midnight on XX/XX/XXXX. On XX/XX/XXXX, I checked my account and there was an additional 10 day hold placed on my check stating funds would not be available until XX/XX/2019. I telephoned customer service and was told that my check had to be verified by my employers bank. I was told to talk to my employer. Spoke with my employer, who contacted XXXX   XXXX XXXX  XXXX, their bank, and was told that they would contact the bank. I attempted contacting Bank of America and was told 5 reps later that their verification process was online only and that they could not receive a call from the jobs bank. My job gave me a copy of the payroll check to show that it was cashed and verified by Bank of America. I walked into a branch to furnish proof that they had the funds and was told that there is nothing they could do and that no one could release a hold. As a result of this, my account is in the negative because my household bills hit. I have incurred overdraft fee 's and I have an XXXX XXXX XXXX son to take care of with no money. All of my bills have bounced and are late. Every bill I have is late because they will not release my check due to their error. By the time they release my check, I will be getting paid again.

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 2022-08-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My account has been closed however the account continues to incur interest.

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 2021-11-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had recently lost my debit card from first citizens bank, my card has the pin labeled on it, I already filed a dispute with the bank for an authorized purchase of {$2700.00}. Someone mad an a unauthorized purchase with my card. I have also had to call to cancel my card and everything to get a new one due to the incident that occurred. The bank declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Innovis
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: Account information incorrect

Complaint:
Innovis failed to do make a good faith effort to correct my consumer report. I submitted a dispute on XX/XX/2019 concerning an inaccurate reporting of an account. I explained that this information had been updated on 2 of the 3 major credit bureaus and I was working with the 3rd. I also explained additional steps that I had taken to get this information corrected. They sent me a report 2 days later stating the information had been verified. Not only did they not do a proper investigation and failed to take the new information into account, they sent the report back with correct information being changed to incorrect specifically the last payment amount that changed by {$13000.00} This is clearly a failure on their part and an example corporate irresponsibility .After reaching out to them they continued and failed to comply and correct my report. This company has failed in its corporate responsibility and failed to operate under FCRA They clearly do not care that the information is wrong. Additional complaints with regulatory authority may/will be notified if this is not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To my dismay, underwriting keeps requesting business returns to verify income however, since the borrower is 100 % owner the business, income is reported on Schedule C of the personal tax returns. Underwriting refused to further review the account without business returns or they will not include any income in their calculations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Dream Center Education Holdings
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I emailed XXXX XXXX to receive my transcript on XXXX/XXXX/XXXX. I was emailed back stating there is a financial aid hold on my account and asked to contact XXXX XXXX XXXX. I talked to XXXX XXXX and told her I did not understand why I could not receive my transcript because of a hold that she claimed I had on an account. XXXX XXXX stated that the account was sent to XXXX XXXX XXXX. I called XXXX XXXX XXXX and talked to several people at XXXX XXXX XXXX, the first conversation I was told I had a XXXX balance. The next person I talked to XXXX XXXX she told me the account was in dormant status and the account was returned back to Argosy University. I called XXXX XXXX XXXX for the final time, and I talked to XXXX XXXX XXXX and she also told me that the account was returned back to Argosy University on XXXX/XXXX/XXXX and the amount was XXXX. I checked my credit report and I have no charges on any of my credit reports regarding Argosy University.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: CO
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:
Equifax is currently reporting an account by the name of XXXX XXXX  opened on XX/XX/2021 for the amount of {$250.00}. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Defaulted payments on my deceased husbands account, in which i am the sole executive of estate. My husband had a loan modification XXXX for term XXXX, he passed in XXXX. I was not able to continue payments. Since the loan was sold, in XXXX, one servicer made a short payoff settlement agreement within 90 days of {$30000.00} due XX/XX/XXXX. The loan was sold again effective XX/XX/XXXX, XXXX the new servicer will not accept the amount nor will they modify the loan stating that I am not able to pay according to my loss loan modification application.The loan is they state as 400 days ( 13 months XXXX past due, however i do understand this but they are billing for XXXX each time the amount increases the modification PI was {$390.00} taxes XXXX .they keep increasing amount.adding taxes in which i pay the taxes yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-30
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-10-30
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I submitted a balance transfer request on XXXX/XXXX/XXXX with Discover to payoff my line of credit with XXXX XXXX XXXX in the amount of {$1900.00}. The balance transfer of {$1900.00} plus a transfer fee in the amount of {$57.00} posted to my Discover account on XXXX/XXXX/XXXX. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX due to my account still not showing paid. They informed me that they did not receive the balance transfer and do not have any sight of it in their balance transfer department. I made sure to verify all information that I submitted to Discover including my account number, payoff address, and amount with XXXX XXXX XXXX. All information was correct on their end. They advised me to contact Discover to get a 15 digit trace number, date submitted, and amount. I contacted Discover, they also verified all information I submitted for balance transfer was correct. They advised that the amount, payoff address, and account number was correct but did not and could not provide me with a 15 digit trace number. They advised that it would take 15 days to investigate. Meanwhile I still have a balance with XXXX XXXX XXXX that 's adding interest daily, and now I have a balance in the same amount with Discover plus a transfer fee. Both accounts are on my credit as balances and debt. I am in the process of purchasing a home and this is negatively affecting my credit and loan decision. I expressed concern to Discover and also frustration that my money and account information for both banks are out there somewhere and no one can find. I asked to speak to a manager, I was told they were all busy and it would take 72 hours for one to call me back. This is unacceptable and I expressed the wish to have the balance transfer cancelled, my transfer fee credited back to my account, and my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: KEYCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

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 2022-03-30
Company: Experian Information Solutions 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:
'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Central Financial Control stating that I owed {$99.00} to XXXX XXXX XXXX from XXXX/XXXX/XXXX. I have already once disputed debt with Central Financial Control which was removed now 3 years later I am receiving correspondence for the first time about another debt owed. This debt is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX, I send a letter to TransUnion in the request for verification of the debt shown as XXXX XXXX {$670.00} # XXXX. To date, I have not received any validation this debt other than, the debt was verified debt pursuant to Section 609 ( a ) ( 1 ) ( A ).

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 2017-09-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to file a complaint regarding the fact that Equifax, a company that uses my personal information without my direct permission and then allowed it to be compromised through their lax security measures, has now charged me a fee to take the step of protecting myself and freezing my own credit with their bureau. The fact that they are profiting off their own data breach is outrageous. 

I froze my credit on XXXX XXXX, XXXX and paid {$10.00} via credit card. I would like to receive a full reimbursement for the cost of this credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score with Transunion has been lowered XXXX points from XX/XX/XXXX to XX/XX/XXXX. I I applied for an upgrade card and was approved XX/XX/XXXX. I received a spirit card XXXX XXXX, XXXX. I received a XXXX  XXXX card XX/XX/XXXX that was opened with no hard pull according to XXXX XXXX. XX/XX/XXXX I was approved for an XXXX  card. And I was added as an authorized user on a XXXX account in XXXX of XXXX which should not be a hard inquiry. So before these actions my credit score was a XXXX. I was docked points for the inquiries and then again when the counts were listed as opened. My limits are no higher than 15 % on any credit card. Then even though I had already had points removed for a hard inquiry for the upgrade card on XXXX XXXX XXXX they docked me XXXX points when the one card became opened. I was of the understanding your score could be adjusted a few point for inquiries but XXXX points for one card after having my score lowered on the same account is double jeopardy. I am in the market for a refi on my home but with the score the way it is its not allowing me the APR I deserve and is going to cost me thousands of dollars just because Transunion scoring system that is self serving. I attempted to call Transunion on XX/XX/XXXX to try to resolve this issue but was basically told by a miss XXXX she could only answer general questions. And seemed clueless. Not only would I like my score adjusted in a fair and unbiassed way I want to know what rules they go by for taking points off some ones credit report. All the proof of the scoring is in the their credit reports.

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 2017-10-25
Company: EQUIFAX, INC.
State: TX
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:
sent police reports equifax is taking more than 45 days to remove my items that was taking off by their competitors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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