BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion has been notorious in holding my credit hostage. 15 USC 1601 explains that grave responsibilities consumer reporting agencies have with consumers yet TransUnion seems to not abide be those rules. Federal law explains what should and what should not be on consumer reports yet every time I dispute an item it always comes back as accurate and complete. Even though federal law Pursuant to 15 USC 1681a ( 2 ) ( B ) says any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. TransUnion has taken it upon themselves to hold my credit hostage fraudulently. Pursuant to 18 usc 241 you and your counterparts are in violation of my rights under the constitution. 18 usc 8 clearly explains all indebtedness is obligation of the UNITED STATES. Yet you and your counterparts want to collude to keep me down and enslaved. The accounts need to be removed immediately or I will file suit and you will be charged.

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 2018-12-28
Company: Certegy Holdings, LLC
State: IL
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: Problem with product or service terms changing

Complaint:
Check was declined because of Certegy authentication failed. The validation report provided acknowledges they dont have access to my account balance. How can they decline checks without knowing my account balance?

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 2021-06-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
IM TRYING TO OBTAIN A LOAN MODIFICATION WITH SLS. 

UNDER THE CARES ACT XXXX AND RESPA, REGULATIONS ACT OF XXXX  XXXX  AND XXXX  THERE ARE SEVERAL VIOLTIONS I FEEL HAVE BEEN MADE AGAINST ME. I WAS NOT TOLD I HAD A SECOND MORTGAGE I RECIEVED NOTHING FROM XXXX TO XXXX. 
WITH GETTING SICK WITH XXXX  AND MY WIFES LAYOFF, OUR SITUATION IS EVEN WORSE. I FEEL SLS SHOULD PROVIDE A LOAN MODIFICATION UP TO 40 YEARS AMORTIZED AND DEFERMENT WHERE I AM ABLE TO PAY IN A TIMELY MATTER.

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 2018-02-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
REFER TO - ( cfpb complaint XXXX ) PROVIDE YOUR METHOD OF VERIFICATION VIA FCRA 611 ( a ) ( 6 ) and ( 7 )  within 15 days of said complaint. YOU HAVE NOT!, AND BECAUSE OF THIS YOU LEAVE ME NO OTHER OPTION THAN TO SUE FOR FCRA VIOLATIONS AND NEGLIGENT NON COMPLIANCE. 

ACOUNT- XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX XXXX NONE OF THESE COMPANIES HAVE A CONTACT OTHER THAN PHYSICAL MAIL, YOU NEVER PROVIDED ME THE PROOF OF HOW EQUIFAX VERIFIED ANY INFORMATION WITH CREDITORS. 

ATTACHED IS A LAWSUIT I WILL BE FILLING SOON IF YOU DO NOT ADDRESS THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SCA Collections has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and XXXX. 

Her private doctors office reffered her to XXXX XXXX for tests. 
XXXX did not take down her insurance info and correct mailing address from the Doctors office. I never got any mail. I had moved out of XXXX XXXX and was living at XXXX XXXX XXXX, # XXXX XXXX XXXX CA XXXX. My doctors office was given this address at that time. 

In addition, XXXX did not bill my XXXX XXXX insurance, even though my doctors office had her insurance info and sent it to XXXX. 

In the end the insurance company ended up paying the bills. This collection account should have been removed. 

Also, the credit bureaus are showing different original amounts. They put on account after 90 days, by law they are required to give client 6 months before reporting a medical collection. These are serious violations under the FCRA. 

The accounts information is as follows : Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$500.00}. 
Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$470.00}. 

This situation has caused me several damages and violations that I have suffered, I demand to get the accounts removed from my records ( from all three credit reporting agencies ) in 30 days. 

See attached documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-06-27
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last friday XX/XX/19 I tried to get cash from my account and transfering money sent to me by relative to distribute to other relatives. One I  found out later I sent over the limit and I have admitted ( Just forgot ) I'm XXXX and do forget. My aunt wanted me to sent them cash and I went all day trying to get cash from atms and other ways, none illegal. I didn't know my account was locked till I tried to buy gas and after filling up my card was frozen. The cops were called and it was a mess. 
Paypal does not have humans to answer questions or answer the phone so I have sent messages through their message center and have heard nothing except it could take 5 days which is past that. 
They keep wanting a bank statement from a bank I no longer have and never even used. 
I have done everything I know to do. I need my medicine and food to eat and finish the transfer for my aunt. 
Please help me get my money freed. I have opened another bank account for my social security next month but I still might come to paypal and I will really be in trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I called Synchrony Bank ( CareCredit ) to pay my balance in full. I was instructed that there was a {$10.00} charge to pay over the phone. I agreed to the charge, as I wanted to make sure my balance was paid in full, the reason I called in the first place. I thought this {$10.00} was being added to the large payment I made that day, I went about my life thinking my account was paid in full. 
On XXXX XXXX, I was conducting a check on my finances and saw that my credit score had dropped nearly 100 points. Alarmed, I quickly searched for the source of the drop. I found that on XX/XX/2020, Synchrony Bank had ( unbeknownst to me ) charged the {$10.00} pay by phone fee to my credit card account. I was completely unaware of the charge, thinking I had settled my debt in it's entirety the day prior. 
Synchrony Bank subsequently charged me a late fee and two interest charges as a result of their {$10.00} pay by phone fee. I was unaware of this, as I was told my balance was paid in full and was not monitoring any statements coming through my email. CareCredit regularly sends tons of advertisement emails and spam, so I was not on the lookout for any statement emails that may have come through and must have deleted them. 
I made contact with the company on XXXX XXXX, 2020 and spoke with customer service agent, XXXX. I spent 1 hour on the phone with him. After several long hold periods, He informed me that they were willing to remove the late fee, but that I was still responsible to pay the {$10.00} pay by phone fee from XXXX, as well as {$4.00} in interest from that fee. 
Though I am unhappy with this result, I agreed to pay the {$14.00} to avoid further damage to my credit report. The company also agreed to send a letter to the credit bureau on my behalf. 
I feel the company has taken advantage of me as a consumer and also done significant damage to my credit report. Prior to this incident, my credit score was over 750. 
Had I been made aware that this " convenience '' fee was going to be so inconvenient, I would have never agreed to pay it. I only paid it to insure that my balance would be at {$0.00} following my phone call.

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 2018-10-17
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I was a victim of identity theft. I was called by the branch manager at M and T bank saying that people were calling to be me and that I have had two activities on my account that were suspicious. One being a purchase at a shell for XXXX and the other is a XXXX at an ATM in XXXX XXXX, NY. I've filed a police report with the XXXX and the bank filed a dispute. The dispute for XXXX was given back to me. The XXXX has yet to be refunded and the bank has not been of any help or assistance to give me the XXXX. The last time the bank told me the case has been closed and told me to write a complaint letter which I did. The regional investigator accused me of taking out the money when he never spoke with the detective on the case and also the regional investigator also verified the recording of the people calling the bank pretending to be me was not me. I'm very irritated with M and T bank and would like my money back so I can finally switch banks.

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 2019-03-21
Company: EQUIFAX, 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:
We sold our house in XX/XX/XXXX, on the day that we closed I called to cancel our services at XXXX XXXX XXXX and was told there was a {$0.00} balance. In XX/XX/XXXX I received a notice saying they were sending us to collections for a bill of {$310.00}. After receiving this notice I called to pay our balance that I was unaware of before receiving the collections notice. I was told after giving my account number that there was no balance due. After being notified that there was in fact a balance due and it was sent to collections and had affected my credit score poorly I called again and paid the balance in full on XX/XX/XXXX. I am supposed to close on my house on the XX/XX/XXXX and they just now sent me to collections. This is affecting us being able to close on a house. We want this removed off of our credit report as soon as possible so we are able to move like we planned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
IC SYSTEMS is attempting to a collect an invalid debt from 2019 from the consumer although consumer is still an active customer of the original internet service provider XXXX with no payments due or owed and in good standing. Consumer is a victim of identify theft. CREDIT HAS BEEN RUINED. IC SYSTEMS is liable for failure to validate debt and damages to reputation, etc. Immediate resolution and updates to the 3 major credit reporting agencies, removal of any such reported debt required.

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions. I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: IL
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 did a hard inquiry on my report when i applied to preapproved offer which was preapproved hardest preapproval i ever had

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HI THERE, I HAVE CONTACED TO CONVERGENT OUTSOURCI # XXXX. I TOLD THEM IN WRITING THAT THE XXXX XXXX ACCOUNT WAS OPEN DUE TO FRAUDULENT ACTIVITY. I NEED GOVERNMENT 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 2021-05-04
Company: SLM CORPORATION
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Once the due date has passed by a few minutes, they call both myself and my daughter more than once per hour which is very unreasonable.

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 2018-12-28
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 information incorrect

Complaint:
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, Equifax, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.

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 2021-03-25
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONSUMER ADJ CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and 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 explanation
Consumer complaint received 2020-12-16
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, XXXX, Experian, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.

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