BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: CA
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient student loan put me in an repayment plan forbearance, didnt explain properly what it is and now i have XXXX  monthly payment i cant afford, tried asking for income driven repayment declined and gave me forbearance which has doubled my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a statement with a remaining promotional balance of {$290.00} and I paid the account off in full. Before the payment was applied I made a purchase of {$42.00}. On my next statement I received a notice that my promotional balance of {$42.00} would expire soon and I would be charged {$2200.00} of deferred interest. The way the payments were applied makes it impossible to pay off the promotional balance if I continued to use the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
UNIFI is trying to collect a debt from another debt collection agency that is past the statute of limitations. XXXX XXXX  is claiming i owe a debt to them, i am unaware of what this is. XXXX XXXX  yet to provide verifying information to attach me to this debt. This debt is also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HI - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. Their lousy payment process had lost my payment last year. Again, at beginning of this year ( XX/XX/XXXX ), they just added late fee {$86.00} to my account ( XXXX ) without any proof of latency. My bank ( XXXX ) has been set up recurring payment scheduled XXXX day of each month and leave more than half month before due date. However, their payment process delayed to clear my check until almost the end of month. I have my bank payment recurring payment with mortgage for more than ten years and never has latency issue with XXXX. The bad experience just happens as I complained to CFPB last year. FM not only has less effective payment process, but no help and useless customer service personnel they have. I asked my bank to send a good faith letter to prove the sending date of payment and no response from FM. 
I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for 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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can not submit disputes on Transunion.com, at times you can get all the way to finalize step and then the website will report it has a problem, sometimes, like today you can start the dispute process but can not access items to dispute. I had much better luck with this when I was paying for their report but I should not have to subscribe to dispute an item.

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 2019-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card with Bank of America ( referred to as bank ) was lost and I reported promptly to bank. Accordingly bank declined all transactions including valid recurring ones made by me between XX/XX/2017 and XX/XX/2017. But since they declined my valid recurring ones I had to go back and pay the merchants using other payment methods. 

XXXX XXXX XXXXBILL PAYMENT XXXX TX XXXX XXXX*BILL PAYMENT XXXX TX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX GA XXXX XXXX  GA XXXX TX XXXX XXXX *XXXX XXXX  XXXX CO XXXX XXXX, XXXX XXXX IA XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX FL XXXX Grand Total XXXX Later bank recharged my credit card account for all charges including recurring ones. Now I have been double dipped. I paid the merchants and got charged by bank. Now bank is refusing to credit double dipped recurring charges. 


I need bank to credit {$1100.00} to my credit card ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: ID Analytics, 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 realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank 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 explanation
Consumer complaint received 2019-03-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National credit adjusters started calling me around XX/XX/2019 in regards to a debt they bought from XXXX XXXX. They advised me they received the account XX/XX/2019. They have since been calling me everyday, twice per day, even after they speak to me and I advise I am at work they will call back later. Per, FDCPA they can only make contact with me once per day. When I asked them when and if this would go on my credit they told me they did not know and tried to strong arm me to pay. I have never received anything in writing from National Credit Adjusters advising me that they have assumed the debt. Per, FDCPA I have 30 Days to dispute the debt and they should have sent me a letter giving me 30 days and they DID NOT. Also, per the FDCPA they are not allowed to demand payment during the 30 day validation period and they are also suppose to advise me when this account will got to my credit. As o today XX/XX/2019 this account is on my credit, without notification, without giving me my 30 days dispute period. They are in violation of the FDCPA on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Called for help spoke to XXXX, transferred by XXXX to someone who was supposed to help me with the orginal reason for my call! I was hung up on by the next person when I complained about the hold time and improper transfer. I can not access the account online. I was told by XXXX would take up to 30 days to fix my address. Called back this time spoke to a XXXX who could help me and supposedly did -we will see. XXXX promised after what I need is done my account with them will be back protected in 15 days. Why did I have to call back or get hung up on? Why is this the worse customer service ever. Automated takes info and yet you still have to provide more multiple times!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Innovis
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 realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
collection bureau Hudson valley You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information of any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonanble cause to believe that the information is inaccurate. 

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 2019-03-26
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: Information belongs to someone else

Complaint:
I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated 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 2017-09-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from XXXX XXXX. I tried to dispute the collection, because I had never heard of XXXX XXXX. Shortly after I received a court document from attorneys Stenger & Stenger out of XXXX, MI. I contacted my lawyer who after speaking with Stenger & Stenger reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys Stenger & Stenger. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX report, but not the other 2 reporting agencies. I tried calling XXXX XXXX and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX  credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: AR
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:
Today, I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; FXXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX  XXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A debt collection for a repo of {$8000.00} from XXXX XXXX XXXX was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to Jefferson Capital Systems which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX  who is disputing this and requesting for it to be deleted from XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Greetings I have initiated multiple disputes with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my Trans Union credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 3 ) XXXX  - Date Filed : XX/XX/2018 4 ) XXXX XXXX - Date Filed : XX/XX/2018 5 ) XXXX XXXX - Date Filed : XX/XX/2018 6 ) XXXX XXXX - Date Filed : XX/XX/2018 7 ) XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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