BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!

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 2023-07-07
Company: EQUIFAX, INC.
State: WI
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/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EOS Holdings, Inc.
State: MT
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:
EOS CCA - # XXXX : I do not owe this debt. I have always paid my bills on time & never received any notice that I owed this. This is in violation of my 30 day right to dispute. This needs to be removed from my credit file as I was never notified about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid a large payment to synchrony bank for my Walmart card and they lowered my limit by the amount I paid, never been late on this account always paid as agreed. I called and the Rep said they looked at my credit and lowered based off that, I have 3 other cards with them and they did the same thing to my QVC card. This is rediculous that they can do this when you pay as agreed. I'd like my limits raised back up if possible.

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 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity Theft. I've reported to Transunion that my information has been compromised and to no avail have they remove the items from my report.

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 2021-11-03
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
True Accord continues to invade my privacy by contacting me via email without my permission or consent. True Accord rep used obscene and abusive language in an attempt to collect an alleged obligation. I do not have a relationship or contract with True Accord. True Accord has not validated the alleged debt however continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt XXXX U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ].

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

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 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have repeatedly over the last year contacted Bank of America telling them I have NEVER set foot in a BoA. I don't know how or who opened an account in my name but after repeated attempts it would seem they have once again opened an account in my name. Can you PLEASE set them straight? I fear my identity is being misused, and they aren't doing anything about it.

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 2021-08-13
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a negative balance of {$820.00} and I pay them back already {$800.00}. I just want 1 reimbursement fee of either {$100.00} or {$35.00} from overdraft fees. If they cant provide me with this simple request, then I wish to close my checking account with TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Early Warning Services, LLC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/2023, I received a message from someone called XXXX XXXX. She indicated she was interested in purchasing a sofa that I had placed on XXXX XXXX. After some discussion, I agreed to sell it to her. She asked if we could use Zelle and I said okay. She tried to send me {$100.00} via Zelle and sent me a screenshot showing this. I then received a message via text from " XXXX '' indicating that the buyer needed to send {$300.00} in order to " upgrade to a business account ''. XXXX said she could do this and sent me a screenshot showing me this. Then she sent me info " to refund her ''. So I did. Then I received a message from Zelle indicating that I needed to pay for a refundable certificate fee of {$500.00}. I have screen shots of all of these messages when/if you would like to see them- including the whole conversation with " XXXX ''. I ended up paying the {$300.00} and the {$500.00} before XXXX  and realizing I was being scammed. The names on the Zelle accounts where I sent money were XXXX XXXX and XXXX XXXX. I have reported both transactions to Zelle. I am in the process of disputing the transactions through XXXX XXXX. I plan to also file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We mailed I.Q. Data International, Inc a dispute letter within 30 days of getting their letter dated XX/XX/2019. We disputed the validity of the charges. However they have never verified this information as required by FDCPA. The apartment is actually the one that took part of our security deposit. We are in the legal process trying to recover this money from the apartment. We explained this to them politely and told them to stop calling us. However they continue to repeatedly call us, harass us, and use scare tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not Experian. I have been trying to contact Experian about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but Experian isnt following the 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 2023-01-03
Company: Capital Management Services, LP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capital Management Services , LP has tried to contact XXXX XXXX XXXX XXXX XXXX and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23

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 2022-11-30
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX reached out for a payment on account we arranged to have {$160.00} to be debited. XXXX XXXX then took {$2200.00} on XXXX and I was sent a receipt showing what was authorized. Also during the conversation I advised them that the {$160.00} was a one-time payment and to not store my banking information. I contacted XXXX XXXX to have funds refunded and contact bank to dispute. Per banking representative I was not able to dispute transaction until it posted. After transaction {$2200.00} was posted I file a dispute with bank and I have not received a resolution yet. XXXX XXXX then as of XXXX debited {$160.00}. I contacted XXXX XXXX and XXXX XXXX XXXX. Both companies pointed blame at each other. XXXX XXXX has caused hardships because of their actions for both my wife and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies Experian and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX 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 ask that this information be immediately deleted from the file you maintain under my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: NC
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:
On Saturday, XX/XX/2018 I tried to sign up for XXXX credit monitoring services and was denied because they are not able to access my Equifax file. This is the second attempt to sign up for the XXXX services to no avail because of Equifax blocking my report. I contacted XXXX 's customer service at XXXX at XXXX XXXX to see what were the next steps and they directed me to contact Equifax customer service at XXXX at XXXX pm. I spoke with a representative and informed her that I was denied subscription with XXXX because they were blocked from accessing my report. I requested that she assist me with granting access to XXXX. The female representative states that because I am not a paying customer with Equifax, paying for one of their products that she is unable to assist me. I told her that I was informed to contact that department, but she is unable to help me? She said that she is unable to look into my request because I don't have a paying subscription with Equifax. I disconnected the call and hung up to speak with another representative. A male foreign representative answered and I requested to speak to a manager. Instead of him transferring me, he repeatedly asked if he could assist me. I told him I would rather speak with a manager because none of the representatives were able to help me in the past requests. He refused to transfer me until I asked for his name so that I can add him to the complain that I planned on sending to CFPB. He hesitates for a few and says his name is XXXX, which I'm sure is not his honest name. He then says he is transferring me to a manager. After a brief pause another male answers which sounds to be the same foreign person. I asked for his name and he says is name is XXXX. I was unable to resolve anything and am so frustrated that I have to deal with such an incompetent company. 

I find it very odd that my credit report can be pulled for a new application, but when I am trying to sign up for a monitoring service to monitor my own credit Equifax blocks the request. Knowing that Equifax is unable to protect my personal information since being one of the victims in the Equifax security breach, I am trying to monitor what is going on with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I applied for a secured credit card from First Progress. 
On XX/XX/XXXX, I paid First Progress {$2000.00}. My Credit Card Available Credit was to be adjusted to {$2000.00} First Progress agree to send a credit card for this account within 2 weeks from the date of my payment on XX/XX/XXXX. 
First Progress did not send a credit card until 30 days later. 
When I received the credit card and attempted to activate the card, First Progress claimed the card had been deactivated and a new card had been sent to my address. 
I never received a second card. 
I called First Progress to request a new card. 
First Progress still never sent a new card. 
After more than 60 days had passed, I demanded that First Progress close this account, remove it from my credit report, and refund my entire {$2000.00} payment. 
First Progress Authorized Representative agreed to close the account, remove it from my credit report, and refund my entire {$2000.00} payment. 
As of XX/XX/XXXX, First Progress has since requested a refund of the amount they returned to me and they have reopened this account fraudulently after closing the account. 
First Progress now has {$2000.00} of my money and refuses to provide access to this account, provide a valid credit card, and they refuse to refund my entire payment. 
I am now in distress and suffering financially because First Progress has caused my checking account balance to be negative {$2000.00} and I have no access to the funds they claim are available via a credit card account I do not have access to.

Company response to consumer: Closed with explanation