BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
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: Their investigation did not fix an error on your report

Complaint:
Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX  and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentationXXXX XXXX  2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did Transunion, XXXX and XXXX   take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.

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 2019-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
Filed a dispute with the three credit reporting agencies, XXXX, XXXX, and Experian. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX and Experian.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That XXXX is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one. Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXX/XX/XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Trident Asset Management, L.L.C.
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:
Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My contact dates were in XXXX, XXXX, XXXX, and XXXX. I requested validation from a creditor for a medical procedure. SCA collections refuses to give me the creditors information including phone number .A mistake has taken place because in 2018 my insurance covered all of my medical bills. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days.

Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid How long can a creditor collect on a debt in NC? 
three years If you are living in North Carolina, consumer debt has a statute of limitations of three years.

North Carolina Statute of Limitations on Debt Collections.

North Carolina Statute of Limitations on Debt Debt Type Deadline in Years All Consumer Debt 3 Judgments 10

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America transferred somebody else 's charge account to my name and address some time in XX/XX/2021 but I did not realize this until hearing of the law suit. On XXXX, I received a court summons from the Bank of America suing me for not paying the other person 's {$13000.00} delinquent account. I called Bank of America on XXXX & XXXX to open a fraud alert but their representative said I could not, due to it being over a year old. I never made any of the claimed purchases. 

On XXXX, I mailed a complaint letters to the Florida Attorney General and to the Florida XXXX XXXX XXXX XXXX, Division of Financial Institutions. On XXXX, I open a local police investigation. On XXXX, I mailed a complaint letter to the Office of the Comptroller of the Currency, XXXXXXXX XXXX XXXXXXXX. On XXXX, I hired an attorney to represent me in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: NV
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:
There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX XXXX XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. 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 2022-10-16
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: 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 XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 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 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 2022-10-12
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021

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: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have had a citibank credit card since XXXX. At some point they fraudently enrolled me into a program called Payment Safeguard. I am not sure when it happened but from at least XX/XX/XXXX to Current, I was charged {$570.00} dollars. The website does not allow me to see anything prior unless I order statements. Payment Safeguard sent a claim to Citi to refund me but Citi won't talk to me. I emailed on XXXX, I sent a letter on XX/XX/XXXX, and a fax on XX/XX/XXXX. I have called several times and they just keep transferring me to different people. I am sure in total exceed the {$570.00} but all I was asking was to be refunded. I went ahead and paid the card off because they were going to charge me late fees. I never signed up for or asked for this program. I didn't know they were allowed to.

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 2023-07-27
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Express Recovery Services, Inc.
State: UT
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:
Today XX/XX/2020 I received in the mail from Express recovery services, INC that they got a Motion for disclosure order of judgment debtor 's employment information, when on XX/XX/2020 I told them that I have been unemployed scents XX/XX/XXXX. Not only did I not know of any judgments they never told me of any. I told them I was unemployed and I was starting a new job in a few weeks, they then proceed to ask me how am I paying my other bills. I do not know who that collections is for. The amount on the paper work I received to day stated that the original was {$140.00} with interest of {$17.00} and attorney 's fees of {$350.00} and court costs of {$100.00} for a grand total of {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As refrence prior complaint XXXX in regards to FCRA none of these issues have been corrected per a response from Carrington Mortgage dated XX/XX/XXXX by referencing CFPB that they could supress info 60 days after a QWR derogatory reporting began on my account on XX/XX/XXXX I had not submitted a QWR until XX/XX/XXXX and there after only on the dates of XXXX, and XX/XX/XXXX of XXXX so as it stands my FCRA should have been accurate by XX/XX/XXXX it's not and in fact by their own admission the XX/XX/XXXX payment that was reversed was reported a missed payment when that was false.On XX/XX/XXXX I made a payment in the amount of XXXX and additional XXXX to Escrow account which dropped my payment to XXXX. With no payment due until XX/XX/XXXX On XX/XX/XXXX I made a payment in the amount of XXXX and an additional XXXX to my Escrow account which then dropped my payment to XXXX with the next due date of XXXX a response letter sent to the Department of Financial Services and myself dated XX/XX/XXXX that they didn't submit in full detail to CFPB pg XXXX states they added XXXX to my XXXX payment.Which is false the payment on XXXX in the amount of XXXX was all that was due there was no necessity to add anything per the additional Escrow payment on XXXX the account was paid in advance on XXXX no payment was due until XXXX in the amount of XXXX due to the additional XXXX paid to Escrow account. Carrington Mortgage Services has not added any funds to any monthly payment nor was it necessary to do so no amount of XXXX was due. 
Per pg 3 of the response on XX/XX/XXXX it was stated my taxes were projected at XXXX used to calculate my Escrow payment which was inaccurate as well my taxes were XXXX paid on XXXXPage 3 of response dated XX/XX/XXXX also references XXXX being placed in suspense on XX/XX/XXXX for which a falsified proof of claim was submitted to Federal Court on XX/XX/XXXX when all my account information per their own website showed the account not only current but paid in advance as well as monthly statements reflect corresponding information. FHA/HUD have also reviewed the loan/account and confirmed paid in advance on XXXXOn XXXX as well per Carrington Mortgage Services response that XXXX was attempted to be reapplied without success when no reversals alterations or were ever necessary my information should have remained in a factual state.To add insult to injury a full correction should have occurred on XX/XX/XXXX per the Carrington Mortgage Services response letter dated XX/XX/XXXX now another letter dated XX/XX/XXXX asking an additional 7-10 days is beyond comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America started charging my account a {$25.00} per month fee, saying that my checking account was not " linked '' to my Mortgage and Home Equity Loans. My accounts were always linked, then in XXXX of 2021 they " unlinked '' them. They said they would relink the accounts but could not refund the fee. This is a scam to gain fees. I want this fee refunded.

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 2022-10-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Synchrony Bank billed me {$230.00} on XXXX XXXX credit card statement with no explanation of the charge. XXXX XXXX says they did not charge my card. I submitted a fraud inquiry to Synchrony, they said it was fraud, can explain what the charge is for and demanded payment. I paid the charge to avoid finance charges and fees.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: MN
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:
The accounts listed are not my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
T

HESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES.
THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.

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 2021-01-29
Company: EQUIFAX, INC.
State: TN
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've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my report.

Company response to consumer: Closed with explanation