BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX   credit card, all of my store credit cards. There was a {$10000.00} XXXX credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with Transunion and XXXX, but have not received any response. I can not reach a live person with XXXX  to file a dispute for both of the accounts from XXXX and XXXX that are not valid.

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 2023-11-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BARCLAYS BANK DELAWARE XXXXXXXX XXXX and BARCLAYS BANK DELAWARE 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 2023-03-27
Company: Millco Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Amerifinancial Solutions multiple letters demanding they provide proof this debt is mine in the amount of {$42.00}. The debt collector has refused to acknowledge or offer a single shred of any information and continues to report inaccurate information to the bureaus and a debt that is not mine. I have contacted them multiple times and not a single response to my demand of validation of debt letters.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fidelity Information Corporation sent me formal notices to pay over {$5000.00} with no proof or explanation. When contacting the company, they claim they dont owe you any reason or proof of debt. The claim filed against me was done so fraudulently, whenever I disputed the validity, they silently closed the account and allowed the scammer again to not provide any proof. They are allowing for scammers to file false debts for collection without valid proof. They refused to send me a letter of confirmation and told me they dont owe me an explanation of the notices and closing the account since the claim didnt actually hit my credit. This did however cause me distress because they threatened to hit my credit with no explanation of the letter. They are not following the Fair Credit Reporting Act. When I called to complain about this to try to stop the scammer from affecting more consumers in the future, they basically hung up on me. I have proof of all contact if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. REMOVE INSTEAD ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2021-12-10
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting calls from this number ( XXXX ) XXXX for a XXXX XXXX that is paid. They say they are going to charge my debit card tomorrow and have the last 4 digits which I never gave to my Dr. office. They do have my correct patient number from my Dr office. I cancelled that card ( they don't know that yet ). I called the Dr. office directly and they said that I am paid in full and never sent me to collections. 

Also getting a physical bill from Continental Credit Control XXXX XXXX XXXX XXXX XXXX CA XXXX. I called them and said I had paid bill. They want copy of check- NOT going to send them anything. Somehow my Dr 's office files are compromised and they are not helping. 

And getting emails threatening to charge my Debit Card. So my Medical info with email, phone number, dates of visits and amount of charges was leaked to these scammers. BLOCKING THEM ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-06-19
Company: REGIONS FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Regions is sending me a code to get into my account, but never shows up. appears to be the only way they are able to identify me, therefore they just keep my acount?

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 2020-01-24
Company: Experian Information Solutions Inc.
State: WI
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:
You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.

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 2022-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: National Budget Planners of South Florida, Inc
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Trying to call XXXX student loans from a number online from XXXX search : XXXX, I reached National Budget Planners who did a great job of pretending to work with XXXX  on behalf of the Department of Education. This guy accessed my private student loan information and I later learned he accessed and changed my FSA ID without my permission through an email I got after the call from the US Federal Government. 

This is his info : Revised Pay As You Earn ( REPAYE ) You will pay a total of {$190000.00} over 300 months {$240.00} + $ XXXX/month  ( 11 Months ) XXXX XXXX Student Loan Counselor National Budget Planners Phone : XXXX Ext. XXXX Email : XXXX Doing some research I learned they are part of XXXX XXXX XXXX, and will identify themselves as XXXX XXXX**** as well as National Budget Planners. They are smooth talkers, know the sales jungle to try to convince you they are legit, but all research points to illegal debt collectors who will take your money. He said he would help me consolidate my loans for $ XXXX/month. I declined as I have worked in XXXX several years and wanted to do research on this company first!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2018-04-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Fifth Third issued a XXXX 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these checks were purchased by me, XXXX XXXX, to pay a construction company to replace my deck. The checks were marked " Pay to the order of : XXXX XXXX XXXX ''. On XX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed just his own name to each of the Cashier 's Check s and then photo-deposited them into his personal XXXX Bank account. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to  XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from his personal account and left town. Fifth Third had a very high duty of care to make certain the checks were properly and fully endorsed by the named payee, and they failed to do so. They should not have accepted the checks from XXXX, endorsed as they were. Fifth Third 's negligence in accepting the obviously improperly-endorsed cashier 's checks ultimately allowed the money that was specifically payable to " XXXX XXXX XXXX '' to go elsewhere. Their failure to validate and enforce the proper endorsement has left me, the Fifth Third customer and the Remitter of the checks, exposed to a lawsuit by XXXX XXXX XXXX, who never received payment for their work. XXXX 's XXXX, by their nature, are designed to be a secure form of payment, but only if they are treated with diligence and proper attention. Fifth Third 's error has left me in a bad spot both legally and personally and I demand they make good on the two XXXX, and immediately issue payment of the {$29000.00} to XXXX XXXX XXXX. If I am sued, I will certainly join Fifth Third in that suit, I will have no choice. This issue is not going to go away until Fifth Third corrects its error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Investigation took more than 30 days

Complaint:
I submitted a few disputes with Equifax over account ( XXXX XXXX XXXX ) they are reporting and asked them for thorough investigation which by LAW they are to do. They have continuously replied back to me that it was verified so I made a complaint on CFPB XXXX XXXX and Equifax told me XXXX XXXX that they were doing an investigation and they sent me something I have yet to receive anything about an investigation ( no form of results from that investigation ) and I have proof they have not done their investigation because the same account they are still reporting as verified accurate as of XXXX XXXX was deleted by XXXX. So who verified that the information and deemed it accurate with Equifax?? Equifax has and is violating my consumer rights and has caused me so much damage, Willful noncompliance with my request for investigation. They are also reporting a XXXX  on my file and I want to know the METHOD OF VERIFICATION for that XXXX  who verified the account to Equifax?? Equifax is in clear violation of my consumer privacy rights they are not allowed to report XXXX or personal information that I havent given them permission to report 15 u.s.c 1681b Permissible purpose of consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Upgrade, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, Upgrade XXXX XXXX has many issues they will not work with their customers to fix or solve. I have called several times to change my due date and they will not do that.it a set date and they refuse to budge. The card also gets refused alot, several times at gas stations and stores. I have Paid off half of my {$6200.00} debt on the card in the last month, one payment of {$3000.00} and another of {$470.00} and my payment has not reduced at all. It still at {$450.00} plus a month. I do not understand how a company continues to work like that? I need some action done on my part. Their reviews are horrible on XXXX and other review websites. Can I please have some advice on this situation. I am paying the card off and not using it anymore but I feel like they are taking advantage of people. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: NC
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:
The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/23, my autopayment of {$920.00} was not applied. The amount of {$830.00} was pulled from my bank account. This caused a shortage of {$87.00} for my XXXX mortgage payment. I called the Loan Depot rep to determine why my bi-weekly autopayment was short. The rep stated that someone would get back with me concerning this issue. I called on XX/XX/23 to see that my mortgage was showing delinquent showing that the XXXX and XXXX payments were outstanding. After speaking with the rep, I was advised to pay a shortage of {$160.00}. I was advised that {$85.00} of the {$830.00} was moved to principal. I made a payment of {$75.00} on XX/XX/23 and requested that the {$85.00} be moved back to suspense to be applied to my full mortgage payment. I was advised that I should be contacted within 2 business days. I am concerned that I will be turned into the credit bureau for being delinquent due to a processing error on their side. The rep also advised me that their system can not handle the extra principal payments and that it would be a long process to get the system developers to fix this situation.

Company response to consumer: Closed with explanation