BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent letters out to XXXX & Transunion on XX/XX/2023 to Investigate every piece of information on the accounts I have listed below.Also I have attached the letters I sent out and the tracking numbers as well for those letters According to the FRCA The term " invertigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. these accounts are inaccurate and according to the FRCA 15 USC 1681 everthing has to be 100 % Accurate. 

XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX Transunions letter Tracking Number : 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 non-monetary relief
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: AL
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:
These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Whom it may concern, My home loan has been bought/transferred several times, I now realized one of those changes affected my credit score very badly. 
On XX/XX/2017 my mortgage payment was processed on time for {$1700.00} and also additional to principal for {$1000.00} ( attached NationStar statement as proof ). 
The lender made a change in its system that result on a system error, creating a Payment Reversal on the same day without any warning or notification. 

I received a call a month later, I was informed about the lack of payment for XXXX and the missing payment on XXXX, I submitted both payments right away ( also additional to principal ). 
I was told about the system problem, they promised to remove any late fees and clearing any negative report that could affect my credit score. 

I am contacting you to request your help on this matter, this negative inquiry to my credit was done recently ( 3 years later of the incident ). I do not think that I deserve to have this derogatory record on my credit score because there was not fault on my side. 

Please let me know what I need to do to fix this problem, I need to clear my credit score as soon as possible. 

Please find attached : Utility Bill, DL, Credit Inquiry and NationStar payments statement Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: ND
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:
ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-AXXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION

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 2018-03-03
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My father died as a non-resident alien with an account in the United States. 

I am the executor of his estate and non-resident probate has been granted in XXXX XXXX, New Jersey. I am a US citizen and resident. 

There is only one asset to be probated.This money is in an orphaned account at XXXX, XXXX the financial clearinghouse of BNY/Mellon. The money is in cash. It was in a cash account at a brokerage firm that went defunct many years ago which is how it ended up in XXXX. This account is NOT associated with any US business. 

XXXX had several requirements to release the money NONE of which they would put in writing, all verbal. Once I sent the latest requirement, they came back with two more. One of those I am willing to comply with as it is reasonable. 

I believe they have no valid reason for the second requirement. 

This second requirement is that I receive a transfer certificate from the IRS. Please note that the purpose of a transfer certificate is if the money is leaving the country. I am asking for the money to be transferred from my father 's account in New Jersey to his Estate account in Pennsylvania. The IRS will be able to track the money through the EIN of the Estate. 

Here are the reasons why I think a transfer certificate is not required : 1. On the IRS website, under " Transfer Certificate Filing Requirements for Non-US Citizens, it states " ... A transfer certificate is NOT required for property administered by an executor or administrator appointed, qualified, and acting within the United States. '' 2. XXXX also states that this is required because the assets in the account are over {$60000.00} ( It is about {$120000.00} ). On the IRS website under the same heading it says " If the value of the decedent 's taxable assets in the United States exceeded XXXX '' It refers you to Form XXXX to determine what are " taxable assets in the United States . '' XXXX is taking the position that the physical location of the assets determines that is a taxable asset. That is, that if in the US, it is a US taxable asset. 
Reading the instructions that is not correct. It breaks down US " taxability '' of assets based on the type asset, not merely physical location in the US. For tax reasons US situated assets include American real  estate, personal property, and securites. 
Exceptions to XXXX " taxability '' include securities that generate portfolio interest and bank accounts not used in connection with a trade or business in the US and insurance proceeds.

3. At this time the only money in the Estate account is the {$5.00} required to open it. There is no money in the Estate until XXXX transfers it. 

I have complied with all of XXXX requirements but I am not willing to comply with this one without a valid reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I applied for the XXXX XXXX XXXX XXXX in XXXX of 2019. The rep I spoke with on the phone informed me that the card would be rushed to me so I could get it before i went on Vacation. That was a lie. I never got my card on time and future reps that i spoke to on the phone kept giving me the run around and never got my card to me on time. I was so frustrated with the experience that I immediately cancelled the card and did not spend any money on it. Now I have decided to give the card a second chance and American Express Website is saying i am no longer eligible to receive the sign up bonus due to already receiving it. That is false. I spoke with them on the phone and they said there was nothing i could do about it. This is very frustrating and not right as i have been an American Express customer for nearly 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened the XXXX XXXX XXXX card on XX/XX/2023 directly through a public promotion offer via XXXX XXXX XXXXl. The promotion states a XXXX MILES BONUS OFFER. In XXXX, I have made sure I met all the requirements to receive this offer, which was further confirmed by the Synchrony bank as evident by the XXXX bank statement. On the statement, it shows the opening bonus miles I received is XXXX. However, as of XX/XX/2023, the total miles I see in my account is XXXX opening miles plus XXXX miles earned from other purchases. I have contacted the company many times trying to resolve this issue and has also provided all the documents proving the XXXX offer. However, the company kept asking me to call a number where the representative just shut down my call without explanation.

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 2023-04-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management Collection has been harassing me and my family for 13 years over a debt I do not owe. Apparently this is the result of identity theft. They have said they served me through the mail at an address that I have never resided at and they have an incorrect social security number for me. They have successfully secured a wage garnishment against me for {$21000.00} and have already taken {$800.00} from my last paycheck. The phone number to this agency is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: LA
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 and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items/ are unknown to me.I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX AV XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i feel behind on my morgage and tried to get a modifcation and emailed and faxed many times and still was not able to get anything done. Made many phone calls still nothing..And on the pphone they said 4 times they would have a manager call me back and never did..I have all the emails and paper work and am afraid of loosing my home and need help..I explained this and still no one has reached back out to me..I have copies and emails of eveything please help me..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 2022-07-08
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00}

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 2021-05-21
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent MACYS/XXXX multiple certified and notarized dispute letter with no response. MACYS/XXXX has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. MACYS/DSNB has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. MACYS/XXXX has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.

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 2023-04-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 explanation
Consumer complaint received 2020-11-30
Company: John C. Heath, Attorney at Law, PLLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX I received and email saying " After sending you the several Emails, We have not received any response from your side ; it seems you are clearly avoiding this legal matter. 
This is the final notification from our side to let you know that your case will be filed by next week. 
Kindly get back to our manager XXXX XXXX ( XXXX ) and let us know if you want to settle this case out of court '' I responding asking for proper documentation because this does not sound like its my debt. Instead of them sending me documentation they keep threatening to sue. 

they also gave me this explanation of who they are : " XXXX XXXX XXXX is a parental Payday loan company which owns and operates on more than 350 payday loan websites like XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX etc. We are talking about the loan amount of {$300.00} that you took from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: ENCORE CAPITAL GROUP 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:
my XXXX girlfriend and XXXX of her friends uesd my name i was in jail when they uesd my name i did a F.T.C fraud report and you can check the jail system and the video camera at the car dealer and she got credit cards and a account with XXXXXXXX XXXX i call the cops and the F T C please remove these accounts itss been over 90 days and its holding my life up from getting back on the right track im trying to open up a sober living and this info is stoping me i want to file a law suit

Company response to consumer: Closed with non-monetary relief