BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}, {$370.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.

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 2020-02-05
Company: SYNCHRONY FINANCIAL
State: FL
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:
Company is Synchrony Bank. Merchant is XXXX XXXX XXXX. Company did not fully arbitrate my dispute with Merchant. Company made super fast decision in Merchants favor. Dispute involves my cat and approximately {$900.00} in Veterinary charges for tests not done, a wrong diagnosis and wrong treatment from Merchant. Merchant is a theif! Read attached XXXX Reviews from other customers who got ripped off by this Merchant. Company is not fair and obviously arbitrary in Merchants favor because Company gets a lot of business from Merchant.

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 2020-06-05
Company: V and H Portfolio
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with Freedom Mortgage where I sold my property on XX/XX/18 and they sent me a statement that my escrow surplus of {$790.00} was mailed on XX/XX/18. I looked for it in my mail until XX/XX/18 and then called to ask where my escrow surplus was. They mailed it to my old address and would not forward to my new address. I was told on XX/XX/18 that a new check would be cut on XX/XX/18 and sent to my new address. By XX/XX/18 I had not received it so I called and was told that they could not void the first check until it was 30 days old and I would have to wait until the following Monday for them to do so. They then needed 10 days to cut the new check and an additional 10 days for it to be mailed to me at my new address. 

I do not feel this to be in the proper guidelines for returning escrow surplus on a loan that was paid in full on XX/XX/18. I am still awaiting my funds.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ). It is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.

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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2020-06-05
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan number XXXX Mr. Coorper PXXXX XXXX, XXXX, OH XXXX Address of the property XXXX XXXX XXXX XXXX, VA XXXX I received a letter notifying tha my hazard Insurance expired, I don't know how it can happen when they are who has contact with Insurance Co.and do the payment. 
Immediately take a new insurance with my agent local one have me all my insurance. 
On XX/XX/XXXX I received another letter with a charge of {$74.00} for 23 days the lapse period the cost of this Insurance would be {$1100.00} per year, my insurance cost me {$500.00} per year Because I have to pay that cost if it is not my responsibility what happened Tanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I've been signed up for a {$19.00} service from TransUnion. It started on XX/XX/2017, and I've since been charged on XX/XX/2017, XX/XX/2017, and XX/XX/2017. I never contacted TransUnion to set this service up. The only way I even discovered what it was is because the bank statement says " TU *TRANSUNION XXXX CA '' and on their website it looks like their monitoring service is the same {$19.00} price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacting Enhanced Recovery for over a year to be ignored. The company has a fraudulent account reporting on my credit report on XX/XX/2015. I have been incarcerated in the Alabama Department of Corrections for the past 10 years and have never lived in XXXX, Michigan. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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:
XXXXXXXX XXXX XXXX XXXX XXXX Account Balance has been actively under dispute since XX/XX/XXXX and is the subject of a CFPB investigation, TransUnion was notified on XXXX with documentation to demonstrate dispute status however continue to report late payment status affecting my credit score.

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 2021-08-20
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: Was not notified of investigation status or results

Complaint:
I had a bankuptcy removed from my file along with all other positive information on my credit report. On XX/XX/2021 this happened and despite the information being all very positive.my score dropped 23 points. ON XX/XX/2021 an agent told me an investigation was being started on why the score the dropped. I called for a status check today and was told there is no mechanism to dispute/investigate an unexplained score drop. They will tell you there were hard inquiries but those were all subsequent to the score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a very angry call from my grandmother on XX/XX/2019 about the debt Im in with JcPenney. Specifically told her details about the debt, the amount, and even attempted to organize a payment arrangement THROUGH HER. Ive had to shift my entire life to begin being able to pay off this card. Now Im so ashamed and angry that Id be happier giving my saved money to a lawyer instead.

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 2018-06-06
Company: Prosper Marketplace, Inc.
State: AZ
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:
Dear CFPB and Prosper.com, I recently noticed ( Last month ) that I was late on my account, and I called Prosper.com immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from PROSPER, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had disputed a charge from liberty mutual that took place on XX/XX/2021 and direct express the card company who my government funds go to had issued back a provisional credit adjustment on XX/XX/XXXX in ny favor of dispute. I had then withdrawn the amount ( {$32.00} ) on XX/XX/XXXX I noticed on my app for direct express there was a reverse credit added for {$32.00} so I withdrawn that. Same day on XX/XX/XXXX a couple hours later I noticed on app that I had overdrawn {$31.00} wondering why when these credits was given to me ( both ). So same day later I contacted directed express by phone one department seem to understand and was confused to why overdraft but wasn't her department to handle so she transferred me to the dispute team to see what was going on with my dispute I had. The lady there claim the dispute was still open. I asked why did I receive the credits already. She stated it was a temporary credit. And I told her I received two that I withdrawn that " they '' sent .she stated that one was sent back .I told her thats not my fault a d shouldn't be held accountable .also told her if they send two credits I felt I should withdraw if its on my card. And also told her that 1 dispute was XXXX I didn't dispute two XXXX thats not my fault for any overdraft fees and my account showing overdrawn XXXX. She stated that they still have dispute open and all she can tell me is " with attitude " is to wait and see if fund will be placed back on card or otherwise it will stay the same.i figure saying the same isn't right! None of thats my fault. This is direct express government card.and they are no good when it comes to issues like this. Once this is solved I'm thinking of having my funds go elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I deposited XXXX into a money market IRA account on XX/XX/2020. The funds show available to use today, but the bank is not allowing me to transfer any amount to my personal checking account because of a 11-day hold. This is an issue for me because the banks have been bailed out due to COVID-19 and I have not been able to be employed since the beginning of this pandemic. There was no effort by the branch manager to call XXXX XXXX to ensure things were in order for them to transfer my funds and this is extremely not helpful to my financial situation. 

I have been a hardworking tax-paying citizen and this is unfair and unacceptable. Is there any that you all can do to help my situation? 

Thank you.

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 2020-06-24
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BBVA Compass closed my account, due to inactivity. But they did not send any sort of a notice before or after. Because of this unilateral account closure, my credit scored experienced a drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Southwest Credit Systems, L.P.
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 had cable T V service with XXXX XXXX XXXX years XXXX XXXX. I was issued 1 cable box and 1 remote. 
In XXXX I terminated my service and physically returned all equiptment to an in-person location. And paid my final bill which I believe was {$120.00}. 
I never resumed any service nor receive any bills until XXXX. 
In XXXX I received a bill I believe from XXXX XXXX demanding XXXX. Although I did not owe money, I paid, in hopes of avoiding this current situation. 
In XX/XX/XXXX I received a bill from Southwest Credit Systems demanding {$1100.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX went out of business in XXXX, 9 years ago and now operates as XXXX. I called a representative to explain and request a resolution. She could not verify specific details about the account she said because the account was so old and XXXX XXXX did not release clear verifiable records when XXXX took over. 
In the interim this account was also transferred as a collection through XXXX XXXX XXXX which I was able to get dismissed. 
XXXX XXXX XXXX is selling accounts to collection agencies with zero regard to how this adversely affects prior customers. 
Recap of facts : 1. I had XXXX XXXX XXXX XXXX 2. XXXX paid in full returned all equiptment and never heard from them 3. XXXX XXXX  purchases XXXX Cable 4.In XX/XX/XXXXTEN years after I terminated my service, I get a bill for XXXX which I pay, simply to avoid damage to my payment record.When I spoke to the XXXX representative she acknowledged payment. 
5.XXXX XXXX 13 years after my final service I get a bill for {$1100.00} This is extortion. I do not owe money and additionally. I had service 13 years ago. XXXX XXXX XXXX can not exhort money from me for an account they could not verify and is 13 years old. 
Please help me. I called Southwest credit and they are demanding {$1100.00}. 
XXXX  says it's they can not verify the records because they do not have full information and the account has been sold. This has been reported to XXXX  as well. XXXX  removed the charge when the account was sold to XXXX XXXX XXXX. 
The statute for negative reporting is 7 years. This is a 13 year old account, which is being sold and resold to various agencies, this can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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 a loan with XXXX and NISSAN MOTOR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NISSAN MOTOR with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation