BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX, I sent a letter to TransUnion stating that the unverified item listed remains on my credit report in violation of Federal Law. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their most recent investigation, they again stated in writing that the item is VERIFIED AS ACCURATE? 

As of today, TransUnion has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to promptly DELETE all information which can not be verified. 

In fact, the original creditor listed has advised that they have no account for me on file. ( A copy of their response letter to me is enclosed ). The original creditor can not verify this account, so there is no way TransUnion properly verified the account. 

I have informed TransUnion that I am prepared to seek any and all legal remedies afforded to me ( including monetary damages ) as provided under the law if this is not removed. They have chosen to not remove the account.

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 2021-02-10
Company: EQUIFAX, 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:
This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its XXXX statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Mortgage company ( Fifth Third Bank ) added force-placed homeowners insurance on my mortgage despite the fact that I have always had homeowners insurance since the initiation of my loan and sent them proof of this insurance via email on multiple occasions per their request. I spent approximately 6 months going back and forth with the bank about the aforementioned issue and ultimately had to involve my attorney to have the issue corrected by having the force-placed insurance removed from my mortgage statements. 

From XX/XX/XXXX to XX/XX/XXXX, I received six ( 6 ) separate endorsed checks from Fifth Third Bank to me with " return funds to customers '' stamps on them. I deposited these checks at one time towards the end of XXXX and a week later, Fifth Third had all the checks cancelled without any prior notice. I consulted with my attorney first about this issue, then spoke with Fifth Third ( as per my attorney ) and they could not give me a comprehensible explanation as to why the checks were cancelled. I was charged six ( 6 ) return check fees by my banking institutions as a result of Fifth Third 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been continuously calling me, my sister, my grandmother, my stepdad, and my stepdad 's sister, who we have no contact with. Everyone but the person who's debt it is, my mom. They have not called her phone once, but have attempted to contact me over 30 times within the past few weeks. I consider this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed due toXX/XX/XXXXsince XXXX, XXXX. I was placed in a forebearnce program with PennyMac. I am now employed and have been since XXXX, XXXX. I submitted an application for a modification to see if the missed payments can be applied to the end of my loan and was denied because i have a previous modification in XXXX and i will not qualify until XXXX, XXXX. I asked if i can move the missed 14 payments to the end of my loan and they said that is not option.. I have to pay the $ XXXX or consider a short sale. I called XXXX at Neighborhood housing and he referred me to you. They are not willing to give me other options. I need help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX a debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE XX/XX/XXXX a second debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last fall, Freedom Mortgage informed me that they had not received notification of the renewal of my home insurance. Twice I uploaded the info to their website but the website apparently didn't work. On the third attempt XXXX XXXX XXXX, XXXX ) I succeeded. I received an email response that " No further action is required at this time '' ( email attached ). Nevertheless, Freedom Mortgage took {$400.00} ( to escrow for insurance XXXX from my bank account, without permission, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX XXXX statements attached XXXX. 
I had decided to refinance anyway and on XXXX XXXX, XXXX, this loan was paid off XXXX payoff attached ). The attached " History '' provided by Freedom Mortgage shows that on XXXX XXXX, XXXX they paid {$2100.00} and refunded {$1200.00} with the payoff refund. For the last three months, I have requested the difference of {$810.00} several times by phone, and once by written correspondence. To date I have been told that " you don't understand '' how this works and that once the account is closed they " can not do anything ''. This is unacceptable. 
Thank you for your help.

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 2021-06-21
Company: Ascendium Education Group
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Loans dated back to XXXX - XXXX from XXXX XXXX XXXX students were consolidated in XXXX through XXXX XXXX or whichever provider was available at that time. Over the years I have had my wages garnished, collected upon through Federal tax deductions and I somehow still owe XXXX dollars from loans dated back XXXX - XXXX. 

XXXX XXXX XXXX students students were recently granted reprieve from false tactics used by that company. However, the dates only go back to XXXX for some reason. 

All students of XXXX XXXX XXXX students were told false claims about job placement and credit transfer. I had to absorb more loans due to the fact my credits were not accepted by University of XXXX and its subsidiaries. 

I have never been shown how much I have actually paid since each company can put collections costs on top of debt which continually is passed around garnering more collections costs. 

Please help research why these XXXX XXXX XXXX students loans are not applicable to the federal act signed by President Biden. 

XXXX XXXX XXXX students loans are held by Ascendium currently. One example of never getting out of debt with these companies is exhibited below : One loan has an original disbursement date of XX/XX/XXXX via consolidation loan which were all used to pay off XXXX XXXX XXXX students Example 1 : Original loan amount {$11000.00} Currently owe ( via dept. of ed. site ) : {$15000.00} Example 2 : Original loan amount {$9500.00} Currently owe ( via dept. of ed. site ) : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America offers auto pay of credit card amounts due on their website however there is misleading options which result in the Bank charging interest fees and late fees to unsuspecting consumers who do not understand what they are signing up for. When this auto pay is initiated there are several options namely two options which are offered if payments are to be made automatically : Amount Due and Balance Due. Neither of these are defined online and therefore if anyone incorrectly chooses Amount Due and believes this means what is now due on their statement will be paid it is accurate but it is not completely true. What will be paid is ONLY the minimum amount due not the full amount. Therefore the Bank will assess interest charges which can NOT be reversed if there is an error in choosing this option as I did. I have spoke with several managers at the Bank and they are " unable to correct '' this and will not. If the Balance Due option is chosen to pay the FULL amount, not the minimum amount due, then there is no interest fee charged and again this is unclear. Upon discussing this with the Bank via phone calls there is, by one manager 's admission, ongoing confusion with consumers when signing up for auto pay and the Bank benefits from this confusion by charging their customers interest. It is important for consumers to understand how the Bank offers several options and explain what is being selected and why but Bank of America does none of these on their website where the options are offered. My experience with this issue and the Bank 's inability to accept responsibility for this issue or reversing charges when there was an honest error made with each credit card has lead me to ask the CFPB to intercede and make it clear what one is signing up for or not. Only after speaking with many managers and spending significant time to the last person reverse the interest charge because she saw that I had chosen Amount Due when it should have been Balance Due. This is a confirmation that the Bank has a problem if this one manager would change this because, " there was an error. '' What about all of the other customers who are in error? What about all the interest fees this Bank receives as a result?

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 2021-11-27
Company: Consumer Portfolio Services, Inc.
State: NJ
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:
Consumer Portfolio Services of XXXX XXXX XXXX. XXXX XXXX, XXXX, C.A. XXXX has been contacted numerous times, starting from XXXX of XXXX until this date, in regards to a closed charged off account. This account is showing a balance of {$10000.00} and it should not be showing a balance sine the account is charged off. There has been numerous account changes since XXXX of XXXX made on this account. Sometimes it reports as still open then it changes back to account closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.

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 2020-04-05
Company: EQUIFAX, 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:
~In mid-XX/XX/2020, I sent a 611 notice to have information verified on my credit report. I received notice that the information will remain on my report, with " no proof provided '' that this debt was mine ~In early XX/XX/2020, I sent a 623 notice to the creditor to verify and send proof that this debt was mine and/or update erroneous reporting data on my credit report. I have received " no response '' after waiting at least 30 days for a reply. 
I have attached proof of correspondence, proof of receipt and proof of my identity. 
I am requesting prompt deletion from my report as a resolution to this challenge. 

Thank you for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 non-monetary relief
Consumer complaint received 2018-09-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good afternoon, My name is XXXX XXXX, and my complaint is about XXXX XXXX in regards of a credit card that i had with matress firm. I was offered a credit line of {$3000.00} upon purchasing the matress. First thing i never received the physical, i had to call them to make first payment over the phone, after the payment was made i requested that i received a card and still up to today no card.I created an account online so my payment could be made since i realize i would never received the card from them. I had miss one payment, which was late. But the following month i quickly got some money and paid in full the full balance which was {$1600.00} if i am not mistaken. Because of the late payment, my credit score drop  which i understand and was also my fault due to my financial situation, i still had my hope because i knew once i paid them in full it would go back up. On XX/XX/XXXX, i received an email from credit karma notifying me that the account close and for me to follow up if it was not done by me. I immediately call synchrony in regards of the matter and the representative could not tell me much beside that yes they could that. Now my credit score is extremely low, i was not notified prior, no phone call, email, or letter. I received a letter on XX/XX/XXXX in regards of the matter. Please help me if you and so this doesnt happen to someone else. 
PS. i do not have the full card number but it end with XXXX Best regards and 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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent 2 dispute letters to XXXX, TransunionXXXX XXXX, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.

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 2021-04-27
Company: GEMINI CAPITAL GROUP, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XXXX Gemini Capital Group , LLC filed Motion with XXXX XXXX XXXX for garnishment of my income for a repossessed vehicle from XXXX. I've been on XXXX since about XXXX. The same Gemini Capitol Group has filed Motion for Revival of Judgment again. Nothing has changed in my living status. I'm still on XXXX and can't believe the predatory nature of this company to do this to me again. I don't believe they can garnish my income from my bank deposits every month from Social Security. What are they wanting to do to me, ruin my credit? I have no vehicle and my credit will not allow me to finance another vehicle. They add more stress in my life with a total income of about {$18000.00} yearly that is very predatory nature of this company and what is going on in America

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To Experian I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and Experian has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against 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