BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to 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 non-monetary relief
Consumer complaint received 2021-09-09
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: OneMain Finance Corporation
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: Old information reappears or never goes away

Complaint:
I got a loan through one main financial around XXXX or XXXX. I was unable to pay it back in full and it did become deliquent, but it now shows in my credit report that I have multiple accounts through them with different amounts. It makes it appear that I have 6 or 7 different loans with them. Also it says my last payment was in XXXX and I'm sure it was in XXXX or XXXX. I am now paying this loan off and have an agreement that it will be paid off through a debt collector by XXXX of this year!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The debt collection agency XXXX XXXX XXXX, garnished my wages without any notification or correspondence from them. I am a Veteran and I served my country to the best of my ability. I am already struggling to pay for things like housing, food etc. This company never contacted me. I had just gotten notification from my employer that my wages were being garnished. I never got a court order to appear in court to dispute the validity of this loan. This loan I believed may have happened over 35 years ago. The debt collection company, XXXX said I owe, the principal of {$55000.00} interest of {$19000.00} and the collection charges of {$13000.00}. After my wages were garnished I got a letter from XXXX, stating those above amounts. They are taking out {$130.00} per pay period. This is not disposal income.

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 2019-04-03
Company: CASHCALL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The guy claim his name is XXXX XXXX and he work for a debt collection agency for a online payday loans company. This man has call my job since the first week in XXXX. He will call my job several times in one day. I ask him to stop calling my job and he still does. I told him verbally and by e-mail. I ask him for more information on this loan who I got it through but he will not provide it for me. All he keep saying is a online payday loan. I ask him to stop calling my phone but he still calls. XXXX is demanding I pay him money by putting it on a gift card from XXXX or I tune card. I have had the police to tell him to stop calling and he still calls. My boss has told him I can not take personal calls and he still calls and my boss had the police to talk to him. This man is making me ill. I am not sure if this is his name because of the foreign accent. I can not get him to stop calling my job. I don't owe this debt as far as I no. When XXXX call the job and I refuse to talk to him some kind of way he will have all the phones ringing in the office all at the same time. I no he is a scammer but I don't no how to keep him from calling my job. I have the number block from my phone. I have also got in contact with a debt collection agency for online payday loan debts and they told me it was a scam. They do not do money on a gift card.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has failed to delete the negative account from my credit reports. 

They have sent a letter stating that they would proceed to delete but it has been more than 30 days. 

Please see letter attached.

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 2020-05-06
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: AL
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:
Hi - XXXX XXXX XXXX XXXX has refused several times to remove a deliquency from my credit report, despite my providing a screenshot from my online banking proving it was paid. I am happy to furnish documentation.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-03-23
Company: CITIBANK, N.A.
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:
Citibank Closed my credit card and I disputed it without any valid reasons. My husband joined a XXXX XXXX XXXX to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then Citibank sent my account into collection with a company called XXXX XXXX XXXX XXXX acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my Citibank CC that is closed with auto payment from my Citibank Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. Citibank reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted Citibank, XXXX XXXX by phone, mail and fax numerous times. 
I contacted XXXX XXXX as Citibank would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to XXXX XXXX  and still continued my monthly payment. I contacted my real estate agent to get advise about what XXXX XXXX told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
Citibank sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX XXXX XXXX and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.

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 2021-04-11
Company: Phoenix Financial Services LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been a victim of identity theft and there are 2 medical bills on my credit that keep sending in bad reports that is damaging my credit. Ive explained to them that it was not me and I have a police report with number, and they are still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom it may concern, Name : XXXX XXXX XXXX ; Account ending : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX points as it was advertised on the XXXX bank website. I did apply and was approved and I did spend {$XXXX} to full fill the terms of the bonus points but instead I got only XXXX. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX points online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking XXXX XXXX to honor their promise and honor XXXX bonus points. 

Thank you for your time, 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 2018-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to XXXX and Equifax for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, 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:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal is somehow connected to synchrony bank.

Whenever a paypal transaction is made it transfers to synchrony and they are the ones who accept payments billing etc. 
I attempted to transfer money to an individual thru paypal and it went to the wrong recipient. 
I mmediately notified pay pal and they advised me to collect funds back from the unintended recipient. 
Of course that did not work. Then they told me synchrony is where i should direct my problem and in turn synchrony told me to direct my problem back to pay pal. Neither of them have given me a timely accurate way to resolve this issue. 
The transaction was on XX/XX/XXXX in the amount of XXXX I am at a loss. I just want my money back and neither of them are taking ownership of how to refund my money. 
Please advise.

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 2019-04-03
Company: RFNA, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This initially began in XXXX and XXXX when the XXXX, TN Republic Finance employees ( XXXX and XXXX ) would repeatedly call me as soon as my payment was 5 days past due ( after the company grace period ) but I could not give them an exact date on which I would be able to make my payment. If I was unable to answer the call because I was working, they would call all of my references ( even though I was only a few days late ). They would often speak rudely to me and talk over me. I finally filed a complaint with Republic 's customer service department. I spoke with XXXX on XX/XX/19, who said that she would reach out to the Regional Vice President regarding my issue. I received a letter a few days later from XXXX XXXX stating that the representatives would no longer be able to phone me. I began making my payments online so that I did not have to interact with the rude employees. On XX/XX/2019, I made my payment online at about XXXX XXXX. Shortly thereafter, I was on the telephone with my husband ( one of my references ) when he received a call from XXXX stating that if I did not call him in the next five minutes he would flag my payment as late. I called XXXX, feeling threatened, and told him that I was returning his call. He immediately began to be rude to me and told me that because I made my payment online at the end of the month rather than calling the store to make my payment that it was going to be considered late. He said that they tell customers that the payment must be made by 3 to considered the same day. I told him that as many times as they have called me no one ever told me that. I tried to ask XXXX if my payment was definitely going to be considered as late because that was not what was said to my husband. He refused to answer my question but instead continued to chastise me for not calling the store. I became very frustrated with how he was talking to me and by him not simply answering my question so that we could end the phone call and explained to him that that ( the way he was speaking to me ) is why I do not like to call. 

I have tried to work with the employees at Republic Finance yet they refuse to be polite and work with me. I understand and honor my responsibility to the best of my ability. I am a hardworking bill paying adult who does not deserve to be treated ( abused & harassed ) the way XXXX and XXXX have treated me.

Company response to consumer: Closed with explanation