BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
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:
After disputing numerous times for equifax to verify XXXX XXXX XXXX XXXX on my report, equifax just update and didn't send no proof from this company that this account is valid. They are reporting this as a repossession, which is incorrect and fail to remove. Told me it was nothing they could do when this has been on my report since 2013. They allowed this company to send false payments reports without verifying. As a consumer I do have rights, especially when the company has used my credit report as leverage over me. 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. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX Experian : 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 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX BALANCE {$450.00} This is Fraudulent and not my debt.

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 2019-09-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have reported this same reoccurring issue of my transcations being declined on multiple occasions in which Citi bank has responded with several inaccurate excuses as to why each and Everytime my transactions have been declined. Citi bank has failed on several occasions to make any attempts to resolve this reoccuring matter. Today once again XXXX XX/XX/2020 Citi bank intentionally stopped my transaction. This reoccuring issue has caused me a great deal of stress along with financial issues. I'm asking that my account is investigated and Citi bank doesn't not stop or attempt to stop any of my transactions in the future. Funds will be fully available in my account and Citibank will deny me access to my funds along with stopping any transcations. I have also reported another time an issue happened similar to this one to the CFPB on XXXX XX/XX/2020 which is when Citibank declined another one of my transactions and purposesly freezed my card from being able to remove my funds for days. So once again I'm requesting that this complaint is taken seriously enough to be properly investigated.

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 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I never had an account with them and they wont allow u to open an account

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 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/19 I received an email from American Express stating that your account had been permanently suspended, that the account has been locked. So I called American Express to find out whats going on, they told me there was suspicious activity on my account and they locked my account, if there was any money on the card that it was gone. My husband just got paid through direct deposit and they closed the account and our money was gone. They sent me three more emails stating the same information and gave me an address to write to them these emails were received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
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: Account information incorrect

Complaint:
I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.

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 2019-09-23
Company: SLM CORPORATION
State: RI
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:
This issue all began when SallieMae stopped auto charging my bank account without notifying me. At this point in time, I was diligently making on-time payments ( while in school as they wouldn't allow me deferment ) so I did not realize that the company stopped charging my account until this happened. When I noticed after two months that SallieMae wasn't charging my account, I called them to discuss this issue. Immediately the response I received was negative. The man I spoke with told me that I was in delinquency for months, despite never receiving notice about it. Additionally, he demanded I pay the full amount or I was to be sent to collections. I told him that I couldn't pay the full amount upfront as it was over {$9000.00}. I told them that I would like to stick to my original payment plan, as I will make the continued payments. He became rude and aggressive and wouldn't listen to me. At this point, my father 's credit was affected and now is horrible as he is my cosigner. I am willing to pay this loan, I just can't pay the full amount. I called several times, but the woman I was speaking to XXXX XXXX ( XXXX ) and at first she told me she would help me with arranging a payment plan, this call was today, XX/XX/23 at XXXX XXXX but I need my father present, at the time he was at physical therapy. I called back at XX/XX/23 XXXX XXXX with my father present and suddenly she told me that I couldn't do the payment plan, and I had to pay {$5000.00}. When we notified her that we couldn't pay that amount on such little notice, she became rude and abrasive and tried to hang up on me without continuing the conversation. This left me feeling dejected and alone in my situation. At this point, I asked for the collection departments number so I can speak to them directly and she wouldn't provide me with any information in regards to them. I am very willing to pay off the amount but I need to do it in monthly increments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My fraud alerts are 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 non-monetary relief
Consumer complaint received 2020-02-03
Company: ONEMAIN FINANCE CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I CONTACT XXXX BY PHONE TO INFORM THEM ABOUT ABOUT THERE WAS SOME INQUIRY ON MY CREDIT REPORT THAT I DIDNT AUTHORIZED. I THEN CONTACT THE CREDITOR ABOUT AND I COULDNT GET THROUGH ON THE PHONE. I SENT LETTERS TO THESE CREDITOR ABOUT AND NOTHING. I NEVER AUTHORIZED ONE MAIN FINANCIAL ON XX/XX/ 2019 TO RUN MY CREDIT. I DIDNT NOT SIGN AND DOCUMENTS WITH MY NAME ON IT. XXXX XXXX XXXX XXXX WHICH WAS XX/XX/ 2019 I DIDNT AUTHORIZE THEM TO RUN MY CREDIT REPORT AT ALL. TO XXXX ONE MAIN FINANCIAL AND XXXX XXXX XXXX XXXX THIS IS TO CEASE YOUR AUTHORIZATION ON MY CREDIT REPORT. TO MY KNOWLEDGE I HAVE NOT SIGN ANY DOCUMENTS AUTHORIZING YOUR ORGANIZATION TO VIEW MY CREDIT HISTORY THEREFORE YOUR INQUIRES INTO MY CREDIT REPORT VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 1681B I REQUESTED THIS TO BE REMOVED OFF OF MY CREDIT REPORT IMMEDIATELLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-02-03
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have recast our mortgage by paying {$100000.00} toward the principal ; reducing the principal from roughly XXXX to XXXX. The mortgage service provider - AmeriHome Mortgage - received the wired money on XXXX XXXX. I am having two issues with AmeriHome : 1. They want to charge {$250.00} for the mortgage recast. Before we refinanced our loan in late 2019, I was looking to recast our mortgage for the same amount down ( {$100000.00} ) with XXXX - our loan service provider. They were only going to charge {$50.00}. Given that that AmeriHome 's charge is 5x as much as XXXX, I find the the {$250.00} charge a penalty for early payment toward my mortgage. This goes against the loan agreement that I signed when refinancing the loan, as this is a penalty, not a service fee. I am happy to pay {$50.00}, as that seems reasonable, but it is not my responsibility to cover AmeriHome 's poor administrative operations that may require a 5x charge versus their competitor. I have contacted AmeriHome several times by email regarding this issue, and they have not responded favorably.

2. We have been trying to set up regular payment from my wife 's bank account for the new loan amount. However, AmeriHome 's website is not allowing us to set up they payment for what is stated in the contract. In fact, they are insisting on-line that we pay the old payment amount, which is about {$500.00} more monthly that the recasted amount. We have a contract that we will be notarizing to send to AmeriHome, that specifically states the amount that we are trying to set up for automatic payment. Upon speaking to an agent for AmeriHome, they said that they should have the amount corrected by the end of the week, but that we would only have a week to get it set up - by XX/XX/XXXX. Why does it take them 3 weeks ( from receipt of the XXXX ) to enter proper coding, but they only give us 1 week to set up payment? It looks like they are trying to make us fail in the payment.

I am having a hard time with AmeriHome as a customer. XXXX was so much superior to AmeriHome, and I wish they were handling our mortgage. AmeriHome is not customer friendly, they are usurious and they are going against the contractual agreement that we signed with our refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of capital one auto. At that time I lost my job and couldnt pay for the car. Unbeknownst to XXXX  XXXX XXXX, capital one auto has already made their money back through an auction. I know this to be true because capital one auto sent me the bill of sale. So if they got their money back, why would capital one auto get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, XXXX XXXX XXXX are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.

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 2019-09-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, I recently went through a financial hardship this summer. I am a XXXX XXXX XXXX who works only on commission and because it's getting more and more challenging to find clients I was late on making my XXXX credit card payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020, the Equifax credit bureau received a certified letter from me disputing items and requesting validation of multiple accounts. On XX/XX/2020, I received a letter from Equifax stating that they needed more information to confirm my identity and my current address. I was able to gather that information replied to that letter via certified mail on XX/XX/2020, and that letter was then returned to me on XX/XX/2020. 

When I did not hear back from Equifax by XX/XX/XXXX with return receipt, I sent off a second letter which was received by Equifax on XX/XX/2020, of which I DID receive the return receipt for on XX/XX/2020. 

I feel that Equifax Should be held accountable for rejecting my letter with the information that they requested. The actions set forth by Equifax has displayed an inability to accurately follow federal guidelines set by the FCRA Section 623 ( a ) ( 3 ). They have not afforded me a proper dispute within the given timeline set by the FCRA.

All documents have been attached as proof Page 1. Return receipt for initial dispute singed for by Equifax on XX/XX/2020 Page 2. Equifax 's request for additional identification dated XX/XX/2020 Page 3. Return receipt for dispute follow-up signed for by Equifax XX/XX/2020 Page 4-6. Returned Mail Slip from USPS Along with USPS tracking printout I have also attached the same documentation to verify my identity to avoid any further mail rejections or delays

Company response to consumer: Closed with explanation