BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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

Complaint:
With the recent XXXX 's breach in security and over 143 million people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like Transunion and XXXX should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX  breach is deplorable.

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 2017-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I do n't want it it keeps taking " test " an taking it out of my  XXXX  bank I wan na close all of it I do n't need it and it 's  XXXX  stupid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage with the money source ( # XXXX ) on XX/XX/XXXX and they transferred my loan to a new servicer ( XXXX XXXX  XXXX, XXXX, # XXXX ) on XX/XX/XXXX. For this transferred mortgage after the pay off, the new servicer keep sending me that I owe money. Since it is already a month passed, I only have 3~4 weeks left to solve the issue w/o hurting my credit since I'm not paying the monthly payment to the new servicer that they claim I owe. 
I have been asking The money source multiple time since the first week of XXXX to fix this wrongful service transfer, proactively work with the new servicer to fix it but The money source keep saying there is nothing they can do other than just give me papers like a transaction history, pay off letter things. Those documents, I already passed it over to the new servicer to prove it was closed but they said that is not sufficient proof. At this point, I don't have better way to get this problem fixed beside from filing a claim since the old and new servicer is not really working to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My XXXX XXXX account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.

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 2022-02-07
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX on my report I do not recognize these accounts yet Equifax continues to report them Ive sent in numerous Identity Thef reports and validation letters they have failed to comply its been over XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Commonwealth dated XXXX XXXX, 2017 stating that I owed {$700.00}. I sent them a certified letter for debt verification with a bulleted list of validation points : What the money you say I owe is for Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent In a letter dated XXXX/2017, they show diagnosis codes with no explanation, a CPT code and an amount. But, on page 2 it clearly states : Date Billed XX/XX/XXXX Amount billed XXXX Write Off Amount XXXX Deductible Amount XXXX Co Pay Amount XXXX Total Patient Due XXXX Prev Patient Pmts XXXX Cur Patient Due XXXX They have failed to verify the debt ; in fact sent me proof that there is n't one. There is nothing showing I agreed to pay. There is nothing showing how the amount was calculated ( no itemized fee ) or what it 's actually for ( diagnosis codes and a CPT code are meaningless ). No proof regarding their ability to collect is included either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Bread Financial Holdings, Inc.
State: GA
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:
I contacted Comenity Bank on XX/XX/2021 to dispute a {$47.00} charge on my credit card account. The charge was for a digital product that I never received. I emailed the seller to resolve the issue, but they did not respond. Comenity made no effort to settle the billing error instead they are contacting me by phone and mail requesting payment, and I refuse to pay the disputed amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I filed an ACH transfer on 53.com to send {$8400.00} from my XXXX XXXX account to Fifth Third bank. The transfer did not complete due to my middle initial being present on one account and not the other. Funds never reached my XXXX XXXX account and the amount debited from XXXX was never returned. I have filed disputes with both banks and they have both insisted that I need to file a dispute with the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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:
AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX. I tried to request all three of my free reports and 2 of the three requests failed in that online delivery was either unavailable ( XXXX  ) or the webpage that displayed the report failed ( TransUnion ). Once reaching these pages the system recorded that I had been provided the report and that I would have to wait 12 months again. I never received either of these reports due to the website 's technical error through no fault of mine.

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 2018-01-03
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Re : _ Investors Bank Ac # XXXX Passbook Ac # XXXX Statement Sav. 

The purpose of this complaint is to obtain funds that were withdrawn from my account due to inactivity. 

As i explained to their customer service I never received any documentation that the accounts became inactive, nor did I receive any notification or actual statements that statements were available. This pertains to actual mailings nor electronically. 

Customer service was able to credit {$45.00} to the passbook account, which is a rental account, bringing it to full compliance with the credit. Bare in mind that these funds do not belong to me and that I can not make any transactions in it. 


The actions to be taken for refunding the fees in the Passbook account, I was told, falls to the branch manager. After numerous attempts I was able to contact the branch. Speaking to XXXX XXXX XXXX ( XXXX ), over the phone, i was informed that he was going to explain the situation to the branch manager XXXX XXXX XXXX and get back to me. Upon his return call the conclusion was a flat out no refund will be given. 

Pursuing this matter, I learned that I could not log on to my account. Which entailed additional contacts with customer service to unblock the account which was blocked due to inactivity. 

The statement account was charged a monthly fee of {$5.00} from XX/XX/XXXX to XX/XX/XXXX ( I learned of this upon my inquiry late XX/XX/XXXX due to no communications from the bank ). The fees totaled {$70.00} approx. 10 % of the current 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 monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-26
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
Dear Sir/Madam I have been a long time Target customer ; I used Target red card to do my purchases. Target used to send me the card statement in a paper format using the US mail. I have never missed or delayed a payment. I decided in XXXX to convert from paper format to an electronic format to save Target paper and money. I made a purchase in XX/XX/XXXX for the amount of {$100.00} never received any email notification to pay the bill. I checked all my email account history including the spam, did not find any correspondence from Target regarding the due balance. However, there were a number of advertising emails I received from Target. The only notification I got was a phone call onXX/XX/XXXX telling me that I have been a few months late and the balance now stands at {$170.00} including {$69.00} late fees and penalties. Target also tarnished my credit score which declined from XXXX to XXXX. I was very disappointed, paid the total balance on the spot, cancelled my account, shredded the card and decided to never buy anything from Target again. I strongly feel that I was mistreated by the Target organization and the action they took against me is unlawful and unjustifiable. Can I seek legal action against Target to restore my credit and to prevent this shameful incident from happening to other people?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Credit Adjustments Inc
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My wages are being garnished for a student loan and have been for a year. This is has caused me a great deal of stress. I have XXXX XXXX XXXX and have had to have several XXXX  which causes me to be off work.Due to XXXX with my illness I exhaust my vacation and PTO days. I also have a XXXX, XXXX, and XXXX that I have to see monthly. I contact Credit Adjustments Inc,XXXX to discuss payment options and was told that I had to pay the amount in full. My health not getting any better and I would like to be able to make monthly payments toward this debt. I had to drop out of school and unable to complete due to my illness and with the garnishment it is making it difficult for me to afford the basic necessities. I understand my financial obligation and under no circumstance am I negating my responsibilities.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion today, XX/XX/XXXX, to discuss the inquiry reporting issue that they had previously, but the customer service representative told me that she could not help me remove the invalid inquiries from my credit report. The invalid inquiries are as listed below : XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX  Requested On : XX/XX/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 explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED,  USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: PMAB,LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB , LLC is attempting to collect a medical debt from me at this time. I have stated that I refuse to pay this debt because at the time of service I had primary and secondary insurance. The original creditor did not charge my secondary insurance for all remaining charges owed. I should not have to pay this debt because the medical provider was negligent and also medical malpractice occurred during the time the services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.

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 2017-07-26
Company: Commercial Recovery Systems
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted on XXXX XXXX about a debt that i owed. I had spoke to a man he was very rude and kept talking over me. I asked repeatedly for a letter to be sent to me and i would pay the debt. He stated he would send a letter but they can still proceed with garnishing my wages without me getting the letter. As of today, XXXX XXXX, I still have not gotten a letter. I received a call again today, from a different number, and a voicemail stating they were going to move forward with a hearing with or without hearing from. I call and again ask for a letter so i can take care of the debt and he states " a letter was sent but he has not idea why i havent received it ''. we verify my address and he says my only option now to recived the letters is through email. But regardless they are going to continue with a hearing and may request my presence and i SHOULD get a letter. All i want is a letter verifying this is a legitimate company requesting this. Some of his information was wrong and he says he is SURE i have received other letters trying to settle this. Which is false in the last years i have not received any letters.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-26
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial business.

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