BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved onXX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments

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 2020-12-03
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Barclays originally denied 2 disputes that were eventually settled. After weeks and weeks of enduring poor customer service and my needing to invest hours and hours of time, the ordeal seems to be over with refunds in my account. However, I have interest charges associated with the amounts that were disputed. I asked customer service to take care of the charges. For the umpteenth time, they are having me wait 24 -48 hours for a manager to call me to discuss it. The lunacy must end. I can not handle getting involved with any other lengthy round of circular conversations. I just do not have the time, and I should not be asked to do this! I am tired of wasting time because of their most inferior customer service!

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 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-03
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My husband and I explained to Ally Financial, our current Auto Finance Company that we were currently having financial issues with both of our vehicles financed through their company due to Covid 19 Pandemic hours being cut at my work and my husband 's work, layoff. Ally Financial refused to listen or cared to work out a rebill or lower our interest rates in hopes of lowering our auto monthly payments for a XXXX XXXX and XXXX XXXX XXXX XXXX. They refused to listen to us. My husband had XXXX  and my job hours were cut. We really need help from Ally to assist in a payment plan to lower our auto payments in order to keep our vehicles, but instead, Ally Financial has refused to offer any Covic programs to help us. No one ask for this Pandemic! Auto and credit card companies should be more sympathetic or at least pretend to care to help individuals like us during this serious crisis.

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 2020-08-29
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Good morning My wife and I have a problem with : Money Network Cardholder Services related to the Economic Impact Payment Card. 

We have called their customer lines several times but We were unable to contact someone to help us with this request, the available options are only with a card number, but this is not our case as we never got one. We have also sent to certified letter through USPS and XXXX and  both have been returned saying the company moved from that location, but that is the only address shown on their website. 

We received a White House letter on XX/XX/2020, and notice number XXXX XXXX XXXX XXXX which indicated we are receiving an economic impact payment of {$2400.00} by check/debit card, nevertheless, so far, we have no received it, reason why, we contacted to the IRS to get more information about it. The IRS informed us that Money Network Cardholder Services is in charge and responsible for sending the cards with the economic impact payment so we contacted them directly with no response. 
We daily carefully check our mail but nothing has arrived yet after almost 4 months where even my neighbor got it. 
We truly appreciate your prompt reply to this request, due to the current situation, we really need this economic assistance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with American Honda Account # XXXX I am writing in regards to a 60 day late reporting in XX/XX/2020. My concern is how can an account be 60 days late without ever being 30 days late first. in XX/XX/2020 it reports on time payments. This means inaccurate data is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a letter to avoid garnishment. I answered followed the directions and remitted payments. No one wants a garnishment. I never received an itemized bill. Dates of service or anything even showing me how or why I owed this debt I made XXXX dollars in payments and they got a garnishment for XXXX when the debt was only XXXX in the first place. I should only owe about XXXX dollars. They stated when I called today that I failed to answer if I made a payment in XXXX and XXXX how did I fail. I have receipts for these payments. All they did was lie and tell me I could avoid garnishment to obtain my employer information to garnish me. They just flat out lied. I mean I know its common practice to do what you have to but for a medical bill I obviously couldnt afford in the first place is just wow. I was also not told I could dispute the debt because, i was told pay or be garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX at 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 2021-08-11
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Elan Financial Services sent a request to have a client take a photo of herself on her mobile device BEFORE they would decision her request for a credit card she applied for online. This seems to be in direct violation of reg B and overt discrimination. 
Why does a creditor need a picture of you before deciding if they will extend credit to you? Are they looking to see what race, gender and nationality you are before they give you a credit card?

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 2017-08-03
Company: EQUIFAX, INC.
State: TN
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 have been trying to establish my identity with Equifax. My identity have been stolen and is being abused. Also I filed bankruptcy in XX/XX/XXXX. XXXX District of Tennessee. XXXX XXXX XXXX XXXXe was included in the bankruptcy. The case number is XXXX. XXXX XXXX XXXX loan number is XXXX. Equifax sent me a copy of my credit report. Yet XXXX XXXX XXXX is no longer listed on my credit report. The property at XXXX XXXX XXXX XXXX TN XXXX, was foreclosed on in XX/XX/XXXX, you states a bankruptcy remain on your report for 10 years. All of my history is being deleted by someone. The property was sold to Tennessee Housing Development Agency in Tennessee. XXXX XXXX XXXX XXXX have been working with me and sending me all transactions. XXXX XXXX XXXX XXXX confirmed they began servicing my loan in XXXX. XXXX XXXX /loan number XXXX was established on XX/XX/XXXX. XXXX XXXX is no longer on my credit report. Yet XXXX-mortgage interest statements have been reported to IRS using my personal information. My social security number and I was told to notify Equifax. You may want to confirm this information with the Trustee XXXX XXXX with the bankruptcy court. Honorable XXXX XXXX is the Judge over the case. I have mailed you a copy of my drivers license, voters registration card and social security card with my name change. And the identity theft affidavit sent to XXXX XXXX XXXX XXXX for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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 have called Transunion 3 times and spoke to representatives regarding unauthorized inquiries on my credit report. Each time, I am told called the creditors to resolve. Yesterday I called Transunion twice and both representative said called the creditor. I also asked for a supervisor both times, one rep hung up and the last rep refused telling me he could help me. He then proceeded to put me on hold and come back and state that there was nothing he could do, call the creditor. I advised him that he di not even ask which inquiries I was referring to, He stated it did n't matter because that was the policy to advise to call the creditor that pulled the credit and I told him for the fourth or fifth time that I did and the creditors are stating they have no record of ever pulling my credit. I asked him what proof did Transunion have on file that any of companies had authorization to pull my credit, he then put me on hold and he said that he checked and they had none. After, going back and fourth he stated they ( transunion ) required to have proof. And then he hung up. I am confused on what to do to resolve this. I think I may get my attorney involved, however, transunion, has incorrect information and they refuse to assist me.

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 2019-08-21
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
I got a letter in the mail today which is XX/XX/2019 saying I had requested a US Bank card dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, XXXX and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX XXXX where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX and XXXX. I came on here so I can talk to all parties Involved and get this removed.

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 2018-03-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX2019 Problem : Failure of access Citi Bank Thank You reward points XXXX XXXX  Checking account is linked to Citi Bank Thank You REWARD points with Ciit Bank.

When transferred to XXXX XXXX I am verified with my checking account number, last 4 digits of social security number. XXXX struggles each time I contact Ciit to redeem points then transferred to XXXX and FAILURE to allow me access to my reward points. XXXX XXXX   can not access my account by by Name nor checking account number even though automated system can!

XXXX   demands my Member ID number which is NOT on my checking ccount statement, XXXX tells me it ; 's on a credit card statement but I do not have a XXXX  Credit card.

XXXX is equal to {$550.00}. XXXX of CASH!

CITI BANK is denying me {$550.00} which I trying to sue for travel purposes.

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 2019-03-14
Company: EQUIFAX, INC.
State: NC
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 sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: MS
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:
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America wrote to me in official letter stating that they would be closing my accounts due to risk. They also told me that their decision was to protect me as a customer, and to protect themselves as a bank. 

This happened in XX/XX/XXXX and beyond. From last year, the bank has never sent me my money, instead, they have continued to charge me for Maintainance fees, overdrafts and in addition they have continued to pay transactions which I do not authorize. I never have access to my bank accounts because they blocked me from Accessing them, after scammers attempt to access my account. The bank continues to hold on to more than {$8500.00} of my money and denies me from Opening an account with them, fir which they claim it was risk prevention. Some of the money in those accounts being to my XXXX child XXXX years old, survivor benefits, and money in arrears from my paychecks and so on. 

I am tired of waiting for my money and I am feeling abused, discriminated against from banking with them, even though I am a victim of identity theft. Bank of America punishes me by not allow me to have access to my money and accounts. I need proof, results and details of the investigation which they claim is still ongoing. I need the bank to add interest to my money which they hold XXXX and to pay for inconveniences caused. I am a XXXX woman. For far too long, banks like BOA have discriminated against us, XXXX us in overdraft fees and in predatory lending. I need my money with interest of 15 %. Counting from XX/XX/2020. 

Thank you. 

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 monetary relief