BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
Update and remove the account that is inaccurate. Please see the documents I attached to confirm.

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 2022-09-08
Company: Carolina Finance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job during Covid which I had for 24 years. I have been very open about this. I finally landed a Full Time job after working for a temporary agency for a year and half. I had to go 3 weeks before my pay days got squared away. When I called XXXX XXXX he talked over me and treated me very poorly and hung up on me. I almost have the XXXX loan paid off I only owe about XXXX more dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account 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/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX BANK  XXXX, XXXX XXXX STEOTY/TS, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a checking account on XX/XX/2018 that promised a {$150.00} bonus for receiving a direct deposit of {$500.00} within 90 days. I received a direct deposit of {$500.00} on XX/XX/2018. 

Per the terms of the deal ( which I took screen shots of as proof ) the bonus was due on XX/XX/2018. More than two months ago. 

I got the run around on a phone call to customer service earlier this month, and my detailed secure message sent on the website on XX/XX/XXXX has not been responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX XXXX XXXX sent me a letter future-dated XX/XX/2021 stating that a correct copy of the certificate to levy my bank account. On XX/XX/2021 they levied my bank account for {$1700.00} without my knowledge. nd did not provide any of the following information that I requested : 1. ) What is the debt for?

2. ) Proof that this was my debt?

3. ) What date the debt took place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: IN
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX have 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 2021-09-25
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I issued a check # XXXX on XXXX assigned to XXXX XXXX. This check shows on my online register as honored by US Bank. The Company assigned did not endorse back of check, instead initials were present. No Bank stamp showing how/where check was cashed. This check was cashed illegally. 
I have requested an explanation of how this was honored? 
I feel US Bank failed to protect my account by illegally processing. I have requested in writing and e-mails to US Bank Fraud Div. and have not received a reply. 
I have further found the assigned Company was fraud. An Attorney 's name was used in this scheme and I have also contacted : 1. US Treasury 2. US Postal Service 3. California Bar Assoc. 4. XXXX XXXX District Atty Office 5. XXXX District Atty Office 6. XXXX XXXX  XXXX. 7. XXXX XXXX XXXX 8. California State Atty General Fraud Div. 9. FDIC Due to this error by US Bank and their failure to assist me, I have closed the checking/savings/debit/visa accounts that I have had over 25years.

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 2022-09-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For my Marcus XXXX Rewards Card I was charged a late fee and interest. The company refunded me the late fee and interest but charged additional interest on the late fee and interest that was refunded. No other card charges interest on a refunded fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: MS
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 opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX mortgage had my principal balance at {$130000.00} XX/XX/XXXX. XXXX changed the servicer to Select Portfolio Servicing. XXXX fraudulently submitted a Modification that XXXX never signed in XX/XX/XXXX. 
I was in XXXX XXXX Bankruptcy in XXXX when XXXX XXXX  submitted their proof of claim as {$130000.00} as my principal balance. Now it is at {$230000.00} with Select Portfolio, please investigate XXXX XXXX for this fraudulent crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Investigation took more than 30 days

Complaint:
i sent a dispute XXXX on XX/XX/2020 and still havent recieved a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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:
I reported the following information to Experian via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they would review the information, begin a reinvestigation, and contact the creditor. On XX/XX/2021, I checked my Experian credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. My credit report was updated to include a singular charge-off date of XX/XX/2021, which is incorrect. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, Transunion credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

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 2023-10-05
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from IC System Inc for a XXXX XXXX account. 
IC System XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX I never opened up this account. It's also showing up on all three of my credit reports as a delinquent account. This is fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type XXXX Balance {$1600.00} Date Updated XX/XX/2023 Payment Received {$0.00} High Balance {$1600.00} Past Due {$1600.00} Pay Status >Collection< Date Closed XX/XX/2023 Estimated month and year this item will be removed XXXX/2030 Remarks PLACED FOR COLLECTION

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 2019-07-22
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my SECOND attempt at resolving this claim. I was last referred to fill out a Identity Theft Report. This report is NOT VALID as this is not Identity Theft. The account is NOT UNDER MY SOCIAL or birthdate. This is NOT IDENTITY THEFT. The company doesn't have my social OR BIRTHDATE. NATIONAL CREDIT SYSTEMS INC,  showed up on my credit report with an original creditor of XXXX XXXX  in XX/XX/XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manageXXXX at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had an FHA loan with pennymac for 6 years. All payments have been made on time and every single payment has been accompanied by an EXTRA sum to go to principle. I pay over XXXX dollars a month pmi. They will NOT give me a refill. They say my credit score is XXXX. It is not. It is XXXX. They say I have debt. I do not!!!! 
They have lied to me and discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TX
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 disputed this account more than once with the final time being XX/XX/2023 and Equifax continues to claim that they have properly verified it. This account is PAID and even AFTER I sent in my receipts from the creditor and they still claim that it's been verified.

Company response to consumer: Closed with explanation