BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my Transunion credit report there are two hard inquires from XXXX. One inquiry is dated XX/XX/2017 while the other is dated XX/XX/2017. Both are being shown on my credit report when I applied for a home mortgage both times. Since both inquires were for a home mortgage during a two day time frame, shouldn't my credit report reflect only one inquiry?

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 2019-09-05
Company: Deatrick & Spies PSC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX ; a claim was filed with my nationwide insurance, as the XXXX XXXX XXXX had full coverage. A check was issued to XXXX from XXXX on XX/XX/XXXX in the amount of {$5900.00} to pay the loan in full. 

Since my XXXX XXXX XXXX was totaled I have since bought another truck from XXXX in XXXX a XXXX XXXX XXXX Vin # XXXX and no issue has ever been brought to my attention about an outstanding balance on a previous loan with them. I am requesting an investigation be conducted ; I am attaching proof of payment from XXXX to XXXX. 

I have never received a previous notice from the original creditor Autosmart telling me I had an outstanding balance and now Deatrick and Spies, P.S.C is trying to garnish 25 % of each check I receive.

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 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America has been deducting funds from my account well before checks are actually cashed. 

When customers use the Bank of America 'bill pay '  service, the bank 's 'standard ' practice is to deduct the amount of the check from the customer 's account on the day the bank says the check has been delivered instead of when the check is actually cashed. Customers frequently have no way of knowing if the check was actually cashed at that time or much later. 

I sent 2 checks for {$3000.00} through 'bill pay ' ; both checks were deducted from my account on XX/XX/XXXX. The bank did not provide me with images of either 'cashed ' check. In fact, one check was received well after XX/XX/XXXX and cashed on or about the XXXX. The other was never received and I had to cancel payment. Meanwhile, the funds were held, and I'm assuming used, by the bank. In my youth, this was called kiting. 

As a XXXX, I can imagine the interest the bank must collect on the funds resulting from this 'standard practice ' when calculated on a national basis. 

What can be done about this? 

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 2022-09-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. According to 15 U.S. Code 1692e - False or mislead
ing representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 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. 1681s-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 reasonable cause to believe that the information is inaccurate.

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 2019-09-05
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We tired extremely hard working with Salle Mae they refuse, they robo call us daily sometime 10 times daily, ringing us all day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Ocwen Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : OCWEN XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: TFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
To sum up what has transpired with myself and Third Federal is I have been making payments just about all on time to them for ten years. About four years ago I filed bankrupcy because I was a single mom and full-time XXXX student. In that time I had always paid my bills to Thhird Federal on time. After the bankrupcy my loan was discharged but I continued to pay because of course I want my house. This has been at least the third time I have received threatening letters from Third Federal as well as them putting a delinquency on my credit report which I have rebuilt. For most of my loan I had paid approximately {$55.00} a month. Apparently after bankrupcy they raised it slightly yet they never informed me. They stated when I called that they are not allowed to send me bills even though I was rerquesting them so I can stay on top of paying them, yet they refused. I paid the outstanding portion I had owed because i was never made aware of the increase. Then about a year later they send me another threatening letter that I am delinquent because of non payment yet I said I have made all my payments. The rep said my loan amount increased and I owed {$220.00} extra, I asked if they could inform me so this does not happen again and they refused. I had made a complaint with you but nothing transpired. I did pay the difference immediately and that was approximately six months ago. Again, I continued to make monthly payments on time which I have enclosed a copy of. Now six months later they send me another threatening notice saying I owe {$450.00} and this letter is a notice of default on my mortgage loan reference # XXXX resulting from my failure to make all monthly installments due as of XX/XX/18. I HAVE made all payments, they continue to reck havoc on my credit and my mortgage, I am trying to rebuild the excellent credit I had had yet they continue to sabatoge it as if to forclose my house and get their money. My loan is approximately {$23000.00} and I had for the most part paid $ XXXX/month, then this year I find out it had gone up to about {$74.00}, the actual amount I am uncertain of whereas they continue to refuse to inform me. I have paid the $ {$220.00} owed plus the $ XXXX   monthly, it is impossible that I could owe {$450.00} in six months when I have made AL, again ALL of my payments. This is harassment and sabotage to my home and welfare. It has got to end. They need to remove that {$450.00} and from now on send a written estimate of my payments and what I owe. They can not continue to send me frivolous bills of outrages sums without any explanation. I can not even go online to review anything, I have no idea what they are doing, what they are charging me or what my interest rate is. I believe if I aim making and have made all my payments for ten years I am entitled to receive a bill, a reason for owing {$450.00}. This is UNACCEPTABLE. They are trying to forclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
On XX/XX/2021 I sent a letter to Equifax requesting a block on information they are reporting on my credit report due to this information being fraudulent. I am a victim of identity theft so per the steps at FTC.gov I sent this letter along with a copy of my drivers license, social security card, a copy of section 605B of the Fair Credit Reporting Act and a copy of my FTC identity theft report and per the letter they had 4 days to respond. 

Instead they sent me a letter stating at this time they were not blocking information on my credit report and they were just going to contact the creditors about my dispute. Then the letter states if I want them to block I have to send proof of my identity, the specific information of identity theft, and a copy of my FTC identity theft report. I sent all of these documents along with my letter, so they should have blocked everything requested to be blocked. I believe Equifax is violating my rights as an identity theft victim and were just looking for additional time, therefore they sent this letter to me to delay the blocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 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. 1681s-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 reasonable cause to believe that the information is inaccurate.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2017-08-27
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: Account status incorrect

Complaint:
I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 2021-09-03
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is reporting on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XXXX XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector Portfolio Recovery Associates , LLC They already sued me for the balance of {$640.00} they said that I have been using the amount for my XXXX XXXX credit card for shopping, the account does not apply to me because someone has been using my information my XXXX, XXXX, and opened this account in XXXX  XXXX and I never lived there before and that account has been opened my someone in XXXX XXXX and the address was XXXX XXXX XXXX, XXXX, XXXX XXXX and In the same year 2014 I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: I.C. System, 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: Account information incorrect

Complaint:
Accounts that are closed are still on my credit.

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 2017-06-05
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested.  I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my  permission and marked it like I requested it.

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 2023-07-18
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: Information belongs to someone else

Complaint:
I have been reporting this with TransUnion for years now that accounts was open fraudulently with my personal information and nothing is being done

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 2017-08-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

Company response to consumer: Closed with explanation