BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Complaint number 5 - XXXX XXXX. 

There are at least 4 prior complaints regarding Equifax 's reporting of this account on my tradeline. 

All complaints have surround the " Activity Designation '' that EQ uses to define the current status of an account, be it Paid/Closed or NA when Open. 

It is apparent that when this value is not accurately set, that the PAY history - fills in wholly inaccurately, as the account has been closed for months. 

I have attached a sample report from Equifax 's own website, and on page XXXX, is an account with a " Closed Date '' and then - an Activity Designator that they display and expect to be present. 

During these XXXX previous disputes with EQ - their manual updates, have destroyed the tradeline. 

The Pay History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

The Balance History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

That is attached as well. There is also an attached document from the printed reports showing the Pay and Balance History - deleted. 
This account had perfect payment history. 
This account has perfect balance history, to support its pay history. 

Equifax - if you can not go back to the original creditor and put the account back to which it started and then stood until closure, you have left this trade line inaccurate and wholly incomplete. 



In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: SYNCHRONY FINANCIAL
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:
I sent a certified letter to the XXXX collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have 1 item pending on my account that would have overdrafts my account. I fully expected this. 
But SunTrust charged 4 overdraft fees for items that processed overnight. None of the 4 items actually caused an overdraft. The only thing that would have caused it is the pending item. 

How can you charge for items that are not overdrafts costing XXXX each or XXXX total? 

As I'm sure most understand a pending transaction isn't a final transaction. The price could and will change, or completely go away. Or even a deposit could be made before the item even finalizes. 

I have screenshots proving the 4 transactions did not cause overdrafts like the fees that were charged. 

Fraudulent and misleading use of the overdraft system..

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.

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 2016-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called Equifax and notified them that there must be a mixup with my file due to the account is not in my name. They removed XXXX. XXXX and XXXX Bank were those removed of the XXXX. As if today, they appeared back in my report. Also, there are XXXX collection accounts that do not belong to me. Please remove the XXXX negative accounts and collections from my file as they are hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, 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:
I got notified by my employer that there was something on my credit that was a charge off from XXXX but was just added to my credit report XX/XX/XXXX. I called XXXX and they were to be looking at it. It belongs to my dad but my SSN got attached to it somehow. It is for XXXX. It was charged off and shows consumer deceased on XX/XX/XXXX. I talked to the XXXX XXXX and they just give you the run around and tell you that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I bought this property in XXXX, XXXX. We owned a home in XXXX, but this was going to be our retirement home.The 30 year fixed mortgage was with XXXX XXXX at an interest rate of 6.875 %. When Countrywide went under the mortgage was picked up by Bank of America.With the housing collapse in XX/XX/XXXX-XX/XX/XXXX we couldn't sell the XXXX house ; we were paying on both mortgages. I was still employed by XXXX XXXX, but was " retired '' in XX/XX/XXXX. The XXXX house finally sold in XX/XX/XXXX, at which point we tried to refinance the XXXX  property.The 1st result was they agreed to a short sale, which we rejected. In XX/XX/XXXX we applied for a loan modification, which they made extremely unpleasant. In XX/XX/XXXX they approved a loan modification, decreasing the interest rate from 6.875 to 6.75 % .They said they couldn't change the term-18 years left, but we should pay the new monthly payment and at the end of 18 years we would owe them a final payment of {$750000.00}. So, in addition to a usurious interest rate, this would increase our total payments to them over the 30 years by another {$250000.00}. I'm XXXX, XXXX  military ( 23 years XXXX ), and have no income other than my XXXX   military XXXX, my social security, and disbursements from my 401K. The balance on the mortgage is {$820000.00}. I was hoping to achieve a reasonable interest rate and would have preferred a 15 year mortgage.Any help would be greatly appreciated

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 i received a notice from XXXX XXXX that a hard inquiry had been made on my credit history. The inquiry was listed as XXXX/XXXX date XX/XX/18.. Supposedly from XXXX XXXX using Transunion credit service. XXXX said to contact XXXX, they said to contact Transunion. Transunion gave me a phone number that didn't do anything. XXXX said not there problem, call Transunion, etc., etc.. they say i need a letter of removal but no one wants to give it to me as it is " not there fault ''. Please 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 2020-05-16
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:
I submitted an identity theft and police report to XXXX, Transunion and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my 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 2018-11-26
Company: Experian Information Solutions 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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18, I logged into my USAA mobile app and noticed several unauthorized transactions that were made in different cities in the state of Texas. I currently reside in XXXX, TX. 

On XX/XX/18, my card was used at a XXXX in XXXX, TX, in the amount of {$1.00}. It was used again, on XX/XX/18, at XXXX XXXX XXXX in XXXX XXXX, TX for {$15.00}, and again at XXXX XXXX XXXX XXXX XXXX in TX for {$16.00} On XX/XX/2018 two purchases were made. 1 ) XXXX XXXX XXXX for {$580.00} 2 ) XXXX  XXXX for {$1000.00}. 

After a " full review '' from USAA, it was determined that the charges are valid. I might add that this process was concluded in one business day. That hardly seems sufficient. 

Furthermore, USAA states the transaction were made close to my home. After personally reviewing, I determined that to be false. The aforementioned transactions occurred well over 200 miles from my home. USAA also cites my USAA mobile app was used while the fraud was in progress. To date, they have been unable to provide me proof. 

Nevertheless, I cooperated fully with USAA and filed a police report. To date, my case with USAA remains closed, and I have been unable to reach anyone. I have left two voicemails at the extension provided, but have heard nary a word. As a consumer, I am not being afforded Zero Liability Fraud Protection. 

Coincidentally, my credit card at another financial instutation was used in XXXX XXXX, OK for {$180.00} on the same date ( s ) as the transaction ( s ) that occurred on my USAA account. I have submitted documentation to the email address USAA provided - XXXX - that went without a response. 

As a result, I am left without a significant sum of money and no clear answer from my bank - so much for protecting the cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: AMERICAN HONDA FINANCE CORP
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I mailed a check to pay off the lease and it was applied to our account on XX/XX/18. This payoff resulted in an overpayment. XXXX XXXX XXXX mailed a check on XX/XX/2018 to our home address which was on file. This payment had no tracking number nor was it sent requiring a signature. Unbeknownst to us, this check was fraudulently taken and cashed on XXXX at a check cashing facility. We contacted XXXX XXXX XXXX on XX/XX/18 about the whereabouts of the check. At that time, we were advised that the check had been cashed. We informed them that we had not received or cashed the check. We asked that we be provided a copy of the check and were told that it would take a couple of days to receive from their bank. After the phone call with XXXX on XX/XX/18, we immediately filed a police report and a complaint with the postal inspector. We also advised the local post office that this check may have been stolen from our mail box. On XX/XX/18 XXXX XXXX sent us a copy of the check that was provided by their financial institution which shows that the Payee was not the one who cashed the check. Despite knowing that we were not the ones who cashed the check, they refuse to reissue the funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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 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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion and XX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their comoany has on file that was used to verify the accounts I disputed. Being that they have gone [ ast the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verifed '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, Specialized Loan Servicing LLC ( " SLS '' ) ( investor and servicer ), owned by XXXX, and XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX both located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX illegally foreclosed on my property in violation of state and federal statutes. In XXXX XXXX, XXXX XXXX XXXX Bank, XXXX. sold the loan and servicing to SLS and assigned a new loan number. XXXX Bank XXXX, XXXX XXXX remained as the Trustee. As of XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX. never filed the transfer of servicing with XXXX XXXX XXXX XXXX and the XXXX number associated with my home shows that the XXXX status is " Inactive '' and the servicer remains XXXX XXXX XXXX Bank XXXX located in XXXX, XXXX. Also, the Assignment of Mortgage with the county Clerk/Register XXXX is invalid since the old loan number has not changed and the new owner and servicer have not been recorded. A Lis Pendes was filed with the county Clerk to clarify the ownership of the property since a civil lawsuit was filed with the district court seeking damages. XXXX XXXX XXXX Bank, XXXX. was contacted to change the information in XXXX, but the Assignment of Mortgage should also be changed with the county Clerk/Register of Deeds. XXXX XXXX XXXX Bank, XXXX. confirmed that they made a mistake in not properly recording the documentation with XXXX and the county Clerk/Register XXXX. Therefore, Specialized Loan Servicing LLC and XXXX Bank XXXX, XXXX XXXX were not in a legal position to initiate foreclosure on the property. The last Assignment of Mortgage for the property was dated in XXXX. XXXX XXXX XXXX Bank, XXXX. was made aware that a civil lawsuit was filed against SLS and XXXX Bank XXXX for wrongful foreclosure based on state and federal statutes.

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 2016-10-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company XXXX sold my account to a collection agency by the name of XXXX, XXXX XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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: Their investigation did not fix an error on your report

Complaint:
In correspondence dated XXXX XXXX, 2017. I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I received an email from XXXX notifying that XXXX XXXX was added to my account. That was a result of me informing them that it had stopped. 
This is a very important issue with me because any thing that occurs on any day regarding my account is texted to me immediately. Having been a victim of fraud with a bank before this was important. This was XX/XX/2021 I know I had the balance of my stimuluss check so wasnt concerned or worried about paying a few small bills. I then learned that I had no funds. I reached XXXX I told them I could not access my account she then proceeded to ask me questions and security questions that I answered incorrectly then she informed me that all my info was changed to allow a secondary user whohad changed everything on line and. I have never changed anything in my accouunt and I certainly would nothave added anyone. They never called me to checkit out and because I wasnt receiving alerts I had no idea it was going on. I never recd my money back and they continued to let my money go including my entire ss check, I have yet to recieve the first dime back. Shouldnt I have been informed? I am totally broke and theyhave now closed myaccount I have documentation. 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 explanation