BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
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:
This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX & XXXX XXXX ), yet they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and TransUnioncould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.

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 2022-01-11
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My card was hacked and the culprit took XXXX and my bank allows my paycheck to be deposited into this account when I called them with this information they simply canceled the card and didn't investigate the fraud nor refund my money and my payroll check goes into that account please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. 
A XXXX search on this company seems to indicate that they are a scam company. 
XXXX said that they never heard if them and do not use them or their service. 
XXXX XXXX Said my account # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
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:
On XX/XX/XXXX I disputed a charge in the amount of {$770.00}. 

On XX/XX/XXXX I received a letter stating our claim is in the review process. 

On XX/XX/XXXX, I received a letter stating the research has been concluded and a provisional credit has been issued to my account. The letter also states the merchant has the option to provide documentation within the next two billing cycles that the credit to me was not due. 

On XX/XX/XXXX, I still had not received the credit so I contacted the dispute department. I was told they would have this escalated for review. I received a letter dated XX/XX/XXXX. The letter stated the amount was applied to my account on XX/XX/XXXX. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit due. I spoke with XXXX and she again stated this would be escalated for review. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit. This time I spoke with XXXX. She stated this should be resolved within 5-7 business days. If not, I should call and speak with a manager. I received two letters dated XX/XX/XXXX. The day I had spoken with the dispute department. One letter stated they are opening a dispute claim and to alow them up to 90 days to complete their review. I do not understand why this letter since the dispute was started XX/XX/XXXX. The second letter stated the amount of {$770.00} was applied to my account on XX/XX/XXXX. The same letter also stated a refund check will be sent within the next 45 days for any credit balance on the account. 

Today XX/XX/XXXX I spoke with the dispute department and was transferred to the billing department. I spoke with two managers there. One by the name of XXXX and the other by the name of XXXX. Again I was told there is nothing they can do since a XXXX from the dispute department started an investigation. I to this day have still not received the credit I was due. 

I informed them I have been patient enough and would be filing a complaint. The credit card affected by the dispute was ending in XXXX. We have closed that card and were issued a new card ending in XXXX. I am mentioning this since one of the letters I will be providing as documentation has the account number ending in XXXX. The remainder of the correspondence has the new card listed ending in 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 monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, 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:
I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX  # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I researched buying a new vehicle at a local XXXX dealership, XXXX XXXX in XXXX XXXX New Jersey. I found a vehicle I wanted, emailed their sales department and received an email laying out the financials of buying this vehicle. The most important detail was a {$7400.00} " upfront savings '' discount. 
I went to the dealer, spoke with a sales person, picked the vehicle and sat down with sales person and sales manager to go through the financial details. The manager wrote down the information including the {$7400.00} " upfront savings ''. 
I signed the contract and left with the vehicle. Upon further inspection of the contract, the financial detail page is behind a page that I signed and it did not have the {$7400.00} savings. I immediately phoned the original online sales representative who promised to look into it, I waited a week with no response. I emailed the representative and have not received a response back after another week. 
I feel like I was knowingly deceived by the sales manager.  I believe that this was a simple bait and switch situation and would like to receive the savings or return the vehicle. 
I have not made a payment yet and am not due to until XXXX XXXX. 
If I can not receive the savings or return the vehicle, I would ask that XXXX XXXX of XXXX XXXX be monitored for other shady sales tactics towards XXXX XXXX members. 
Thank you in advance for your time and consideration. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for loan modification after a status of employment and income changed due to the company I worked for being closed, therefore unemployed. I was not given a clear reason why my modification request was denied, but example such as credit score was referenced as possible reason. Mortgage origination date is XXXX, an 80/20, conventional & equity combination. Equity is adjustable rate. Conventional is 6 %. The mortgage was not reaffirmed after bankruptcy filing but plans to keep the home and continue payments. After divorce, XXXX XXXX XXXX XXXX looking for a career, and hardships with companies and consistent pay, I have had trouble making payments on time. When denied for modification I realized the lender had suddenly started reporting missed/late payments years after bankruptcy was filed when they had previously not reported against my credit ( my score improved but then dropped once reporting missed payments ). Lender is aware of bankruptcy and denies reporting, credit department states they dont acknowledge the issue hence cant correct it, and improper reporting has affected my ability to qualify for modification, refinance with another company and secure decent employment due to pre-screening credit analysis cause my work skills are in real estate and financing. The issue is affecting me personally, as far as finding new employment and foreclosure risk. I have significant equity in the home, $ XXXX {$75000.00}, and the lenders only requested solution is deed in lieu or short sale. I feel this is because of the equity to lenders advantage. A history of misreporting and applying payments correctly and have requested account history on several occasions to no avail. Wells Fargo Mortgage, Wells Fargo Bank, f/k/a Wachovia Bank, has trapped me into the hardship with no solution to recover without outside, escalated assistance.

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 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed, as well as sent an Identity Theft Report to TransUnion in reference to a Bankruptcy and some unauthorized credit inquiries that are showing on my credit file, and I keep getting a verified response back from them. They are not advising of how or who they are verifying through. I have called the Superior Court listed in the BK and I 've been told that they do not report nor verify anything with credit reporting agencies, I have checked with multiple third party consumer reporting agencies to see if TransUnion have attempted to verify this item with them and I have been told no, because it would have been a violation of the FCRA since all of my consumer files have a freeze on them due to identity theft. So I am unsure if TransUnion has tried to verify or validate this inaccurate account that is reporting on my credit file or if they just say it 's validated because it simply appears. I 've asked for the name, address, and telephone number, of who they contacted in order to verify the information. I 've asked to be informed of the name and title of the person in which they speak to to verify the information, I 've asked was the verification done in writing, was a UDF form used, or was this through an electronic automatic dispute verification and were you able to reach them at the same address/phone number listed on my report? 

I 've asked all of these questions so that I could follow up to see what information I would need to supply to have this information corrected, but have yet to r'cve any of the requested information.

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 2019-07-19
Company: Navient Solutions, LLC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient keeps calling me everyday. I had to look them up to find out what they were. I told the person I have no student loans. I confirmed my name. He insisted that I give them my social security number over the phone ... .I WILL NOT DO THAT! I even asked them to tell me my last four digits to confirm them ... .he refused. He will not take me off their list. I asked for a supervisor, he says he tried but they are all busy. I bet they are! 
He mentioned a university or college I have NEVER heard of ... that did not phase him. He mentioned an address supposedly for me that I have NEVER heard of ... that did not phase him either. 
If they are legitimate, why are they operating this way? I said send me a letter stating what you want because I am not giving out any information over the phone ... no response to that. 
I will say this also happened a few years ago, I asked them to stop and after a long while they finally did. But they have started up again. Any student loans I had were paid off long ago -- a fact that is verified on my credit report. 
I want this company to stop harassing me and all other innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXXI notice a collection on my credit report from XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX Texas XXXX. in the amount of {$7600.00} for a car loan charge-off closed account which was stated open XX/XX/XXXX on my XXXX XXXX report andXX/XX/XXXX on my XXXX report .I reached out to this company by certified mail on XX/XX/XXXX and tried to call several time with no response from the company they failed to mark my credit report as disputed and failed to reach out to me about this account via mail I waited 31 days and reached out to the company again via certified mail onXX/XX/XXXX still with no luck. On XX/XX/XXXXI check to see was this company license or had a surety bond active and place to even collect a debt in the state of Texas which is required under the Texas Finance Code Section 392.101 and the surety bond was canceled on XX/XX/XXXX I need this company to validate this collection account they have placed on my credit report stating I owe them any help from the CFPB would be gladely appreciated because this company is not responding to any of my letters nor are the legally authorized to collect third party debts in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I, sent a debt validation letter, as well as a cease and desist letter via certified mail to XXXX XXXX XXXX in regards to an alleged debt from ORIGINAL CREDITOR ( XXXX ). XXXX XXXX XXXX DID NOT or simply COULD NOT validate the alleged debt so they removed it from my credit file with the BUREAUS. On XX/XX/2021 the same alleged debt/collection from ORIGINAL CREDITOR ( XXXX ) reappeared on my credit reports under a different Collection Agency name : Receivables Performance Management. On XX/XX/2021 a debt validation letter and cease and desist letter was sent to Receivables Performance Management via certified mail. Violation ( 1 ) Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ) Treatment of Inaccurate or Unverifiable Information In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation ( 2 ) Pursuant to 15 USC 1692g of the FDCPA Validation of Debts ; Violation ( 3 ) Pursuant to 15 USC 1681i ( 5 ) ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). Violation ( 4 ) Pursuant to 15 USC 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the the information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX/XXXX/XXXX A Company who calls themselves XXXX XXXX XXXX was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the XXXX XXXX XXXX without XXXX XXXX. I want these XXXX agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.

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 2018-01-15
Company: Experian Information Solutions Inc.
State: GA
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: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score.  I then called the three Credit bureaus, XXXX, XXXX, and Experian to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX  XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my 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 2018-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CRA violation Equifax never send back my credit report were disputedXX/XX/2018

Company response to consumer: Closed with explanation