BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.

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 2018-07-03
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This company bought by loan a month after I purchased my loan, they are not honoring the terms of the previous loan by charging to pay {$12.00} by automated phone call, or making an additional charge of making a payment after 5 days, 10 up to 15 days a specified amount. My previous terms, free over the phone, late after 15 days past due date. This company you must pay on line in order for it to be free. The web site is continuously down, the wait time is awful, today I waited on numerous occasions, recieved 5 passwords that wouldn't work, my old password wouldn't work, I'm just trying to make a payment before the 5 that of the month. I haven't had paperchecks in over 15 years so I can not mail.Frustrated with the business operating practices.

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 2020-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XX/XX/XXXXXXXX  Via Certified Mail Equifax Information Services, LLC. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX : Inaccurate Residential Address Listings - Equifax Willful Noncompliance to Correct Issue To Whom It May Concern : On Thursday, XXXX XXXX, XXXX, delivered to your office was my initial certified plea to remove the incorrect residential addresses that appear on my Equifax ( EQ ) credit report. Yet, concerning I never received a Notice of Results of Reinvestigation. Consequently, on Thursday, XXXX XXXX, XXXX, you received a second appeal asking that the inaccuracies be corrected. And, appropriately the response dated XXXX XXXX, XXXX, reflected that 6 out of the initial 10 listings had been expunged. 

However, upon reviewing my XXXX XXXX, XXXX, EQ consumer history, there are once again 10 erroneous entries, of which six ( 6 ) have the same XX/XX/XXXX, Date Reported ; which is noticeably wrong, as I couldnt have lived in 6 different places at the same time. 

Therefore, because this is my third ( 3rd ) correspondence asking that you uphold your legal obligation under the Fair Credit Reporting Act ( FCRA ) to report complete, and accurate information, I have also escalated this matter to the respective agencies that appear in the CC portion of this letter. 

Hence, to reiterate, as noted on the enclosed infile pages, ALL mentions that are labeled INCORRECT are misstatements, as I NEVER LIVED AT ANY OF THESE ADDRESSES ; and per the FCRA should be deleted. 

Finally, failure to provide such validation may abridge such rights. However, erasing the highly questionable credit bureau reporting, and furnishing me with a corrected consumer file, as a result of the reinvestigation4 will be acceptable in lieu of further legal action. 

In conclusion, I want to thank you once again, in advance for upholding the letter and spirit of applicable statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Nothing in the boxes covers my complaint but to explain. I am XXXX and my name is Mrs XXXX XXXX. I am XXXX years old and I do not know the systems in the USA. However my dispute is with the Bank of America and although I have tried every which way I can I have gotten nowhere so I wish to entrust the CFPB. 
In XX/XX/XXXX I was awarded a huge compensation payment from the UN plus others. 
I received notification from the Ceo and President Mr XXXX XXXX. The payment was for {$30.00} XXXX usd which was lodged with the Bank. The proposed actions were to transfer the money into an account for me in my name. Mr XXXX XXXX XXXX who is the co-head of consumer banking. I was not advised at this time I would be responsible for numerous fees. It began with opening the account charged at {$500.00} then {$390.00} for activation. I had two other fees added for {$250.00}. Another {$190.00} for signing papers to be done by an attorney Mr XXXX XXXX at a cost of {$20000.00}. Then came the news the dates on the account cards were out so {$650.00} was needed for updating The bank wanted {$250.00} as a keeping fee and another {$250.00} for a courier fee, This all happened in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX and made a payment arrangement with them. I made the first payment. They only reported the new balance and did not change the remarks on the account to " paying as agreed. '' FDCPA requires creditors/collectors to report only accurate information. Despite me paying, they are hurting my FICO by only saying 'placed for collection ' when it is actually being paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Care Credit I had a balance of {$3100.00}. Every month i send more then the mim payment. Now they send me a bill for {$1500.00} more! They advised i didnt pay the derred amount by XX/XX/2020? the payments i send they are not applying the derred amount like i was advised they would do. Now they applied {$1500.00} more in interred to the account!

they have has a prior suit for doing this in the past. When i called they were extremly rude and didnt want to hear anythign i said. I asked them where on the Statement does it say they can charge {$1500.00} in back interset? He manager says its the LAW. Its not the Law i understand going foward charging the 26.99 % interest but chraging me {$1500.00} in deferred intrest and charging me 26.99 % each month too thats unreal. wihout any explanation of this on the bills they send monthly. Not sure if anyone can help 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 monetary relief
Consumer complaint received 2021-03-04
Company: SYNCHRONY FINANCIAL
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:
Synchrony bank ( the issuer for GAP credit cards ) automatically enrolled me in paperless billing but they did not enroll me in text / email alerts. This caused me to miss payments on my credit card bill because I was unaware that they were any due. The payments were for XX/XX/2021 and XX/XX/2021. This has resulted in {$80.00} fees, which I am certainly upset about in this economic environment. What I am also concerned about is the damage to my credit score. The damage can result in more expensive financing in the future. I don't have a satisfactory answer from the bank about the result.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.

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 2021-05-23
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX is reporting incorrect information on my credit report i have never had an XXXX XXXX credit card they must have mistaken me for another person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I dated XXXX XXXX for approx. 1 year before I called it quits because of the XXXX. He was so controlling. I gave him permission to use my Navy Federal Debit Card for gas only. He's the only one with access to my card number and someone has drained my navy federal account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that XXXX XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX threats I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my XXXX  account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my XXXX credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and XXXX XXXX to defraud me and thieve my identity. Please contact me anytime for further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Integrity Funding Ohio, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I obtained the title loan and was making payments, but I had a XXXX and was off work for XXXX XXXX. My job did not pay while on leave and unemployment disputed those days I was in leave because they stated I was off work. I attempted to explain this to the company, but theyre response was pay all or there repoing my vehicle. I tried to get a third party to mediate with them for me, but theyre only offer was that they would except the refinancing fees of $ 700+ dollars and refinance the principal amount in its entirety. Which was not a payment arrangement, I have one week left on leave and need to resolve this without losing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: M&T BANK CORPORATION
State: NY
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 writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue

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 2021-03-04
Company: EQUIFAX, INC.
State: NC
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:
This complaint is in response to a previous complaint I made against Equifax on XX/XX/2021 case # XXXX. In my initial complaint which I will attach for reference, I sent Equifax a dispute demanding alleged accounts be deleted from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Pursuant to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my consumer report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax this correspondence which they received XX/XX/2021 and here it is now 2 months later and I have not received the results of my dispute. My reputation has suffered tremendously from the reporting of these fraudulent accounts. Equifax is civilly liable pursuant to 15 USC 1681n so once again I am demanding that these alleged and disputed accounts be immediately deleted from my consumer report and I am demanding to be compensated for each disputed account in the amount of {$1000.00} per disputed account totaling {$15000.00} and I would like this compensation via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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: Their investigation did not fix an error on your report

Complaint:
I have 3 accounts listed on my credit report that I have requested that Trans Union verify and send proof of verification of the payment history and the balance. XXXX XXXX is being reported as being sent to collections with 30, 60 and 90 day lates and charged off. I have requested proof from Trans Union that this information is correct. According to my records and XXXX XXXX this account did not go into collections, has never been late and has a {$0.00} balance. XXXX XXXX XXXX is listed twice on my credit report for 1 loan and with a total balance of $ XXXX. There is only one loan, and the balance is {$0.00}. I have requested 3 times for Trans Union to verify these accounts. And all 3 times they have came back as verified, but will not send me any proof. They list only a partial account number on my credit report so there is no way this information has 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 2020-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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:
I have requested Experian to investigate and send proof of investigation of the account XXXX XXXX XXXX. First this account is over 7 years old. Second this account was paid as agreed and in full to the Original owner of this account XXXX XXXX XXXX. Experian refuses to send proof of any verification after 3 request sent to them.

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 2017-08-11
Company: EQUIFAX, INC.
State: IL
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:
I have filed disputes with all 3 Credit reporting agencies XXXX, Equifax and XXXX in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of X/XX/2010, Equifax shows a file date of X/X/2010, and XXXX  shows a file date of X/XX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have now disputed this with XXXX and Transunion and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of XXXX just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my XXXX  credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.

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