BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sending this letter on my behalf. I checked my credit reports recently and as I studied law lately, I realized that your agency and this collection agency is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership o

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 2021-02-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the Equifax data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
This is to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: VA
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:
On XXXX XXXX my Equifax score decreases by XXXX. It says I have no credit history and my XXXX XXXX XXXX XXXX card closes recently this week, which it did not. I tried to dispute a claim with them online. It sent me to call them. I called and they put me on hold and I had to call back. They than told me to pay for a credit report and that I cant dispute online. Only by fax or mail. The thing is my proof is online in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Remove the fraudulent information from my reports.

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 2020-09-12
Company: Radius Global Solutions LLC
State: NM
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:
Radius Global Solutions has called many times and from many numbers. XXXX was the latest. They call asking for personal information concerning a debt collection. It is usually a person very hard to understand due to an accent. They will not say what the debt is for. When asked they will not send mail containing the debt information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Total Card, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
All of a sudden I started getting harassment phone call also calls was made to my daughter as well threatening to sue me take me jail and contact my employer. I tried r play I have never hard of a company call total credit o told them it wasnt mine.. the company become belligerent and started swearing at me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
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. 


Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2022-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
i talked to capital one and they said they couldn t do anything in response to me asking them to remove hard inquiries from my credit report and they said i should call credit bureau which i did so i keep getting run around when their not honoring their policy of no harm to my credit when i check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-16
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally Auto has not updated my credit report to the credit bureaus since XX/XX/2020. They have my balance listed as {$9500.00} when my account balance as of XXXX XXXX is {$8700.00}. Also a late payment 30-59 days for the month of XXXX is listed on my report that i paid in XXXX. All these issues have resulted in a 140 point drop in my credit score which I need to be corrected.

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 2023-03-14
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Please give me the wet ink signature where I signed the contract Copy of arbitration agreement Copy of any documents I signed A clarifying statement of your role in this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-28
Company: CITIBANK, N.A.
State: VA
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 received a text from Citibank credit cards stating that it was from their fraud department and they needed to speak to me about my account and shared a phone number to call. After calling their fraud department, they are somehow unable to verify my account using my phone number or email registered on the account and have to resort to sending me a letter through snail mail to validate I'm the owner of the account. I tried talking to a supervisor and calling back again but no one was able to help me verify my account through any other methods besides the snail mail letter. The letter can take up to 10 business days to arrive and in the meantime my credit card is locked and I can't use it to pay for important purchases. This problem has been reported by many people online as seen in the links below XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CarMax, 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 status incorrect

Complaint:
I purchased a car from Carmax but financed through XXXX in XX/XX/2021, I attempted at paying my car note constantly but was told I was not in the system so they couldnt not accept my payment. I emailed and reach out before/after and on XX/XX/2021 stating I cant pay because Im not in the system. I got no response. Despite my efforts. Finally on XX/XX/2021 I received an email stated that I was having issues because they lost my contract. I preceded to have multiple phone calls with the manager of the branch where I purchased the car at. I was told it was a mistake and the false reporting on my credit would be expunged and my payments that I was not able to pay due to their faulty would be deferred. But instead they reported 10 late payments on my car which doesnt make sense because my car would have been repossessed which it was not. I am current on my payments and want them to rectify my credit like I was told would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: FIRST HOME MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to request a Mortgage Modification with my mortgage servicer XXXX XXXX. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Perfection Collection
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. Bloomingdales instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? Bloomingdales is not entitled to both.

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 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone calls early mornings, weekends or nights

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 2018-02-26
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account reporting is inaccurate. Indicates 90+ days late up to XX/XX/XXXX ... However, at the same time, it shows status of " Paid Charge off '' with last activity XX/XX/XXXX. 

If that last activity was a charge off in XX/XX/XXXX, then how was I 90+ days late in XX/XX/XXXX I haven't had this account in many years and the balance has been paid since XX/XX/XXXX. 

There are also inconsistencies. Between bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My CD account # XXXX of Synchrony Bank was XX/XX/2020 Maturity Date, XX/XX/2020 I call bank to want close CD and transfer money to my XXXX  XXXX XXXX XXXX # XXXX that register in Synchrony Bank website ( please see attached files XXXX & XXXX XXXX. The bank representative Miss XXXX sent a Code by telephone and ask some security questions for verify, but final she said she cant do it now after ask the manager. I ask her I transfer money from XXXX  XXXX  XXXX account when open CD, why cant return back money now. She said she will send me a security Code by overnight letter for verify that can close account and transfer money to me. I ask send a Bank Cashier check easy. She cant do it. 

Yesterday I wrote email to Synchrony Bank customer service ( please see attached files : SynchronyBankMessage ), no reply. Also didnt receive overnight ( Code ) letter today. I am very unsatisfied that why open CD easy and close CD difficult. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah XXXX XXXX. XXXX XXXX, XXXX, GA 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 2020-11-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed for bankruptcy on XX/XX/18, I was told not to pay XXXX XXXX auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with XXXX XXXX. I never received any documentation or information from XXXX XXXX bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called XXXX XXXX to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Due to Covid-19 was told I had time to pay the bill, paid bill in time but they had reported to credit reporting agency anyway. I do believe it was not done intentionally. Its been tuff on all. 

Eastern Accounts System : XXXX XXXX {$0.00} due account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation