BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2018-08-13
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello my name is XXXX XXXX, and an XXXX in United States XXXX XXXX.I '' ve recently opened an account with usaa and made my initial deposit of XXXX $ .but they seem to have denied me access to my account and online banking due to no 1 specific reason that they have yet to tell me.And now there talking about closing my account that I have not been able to use.so I want to be treated fairly as an Man and not a statistic.USAA never calls me or email me pertaining my account.I really feel lost and discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was in forbearance until XXXX, XXXX. I made my first full payment at my local BB & T branch bank to make sure it got to them in plenty of time. I made my next payment in XXXX and XXXX for XXXX. When I received my XXXX statement, my full payment was not reflected. I have made over 40 phone calls and spent hours on hold. Ive been transferred to many different people, disconnected numerous times, and forced to listen to loud, nerve grating music. In the beginning of this nightmare, I was told BB & Ts computer just hadnt caught up with the surge in payments coming out of forbearance and not to worry. More calls revealed every person had a different answer and my credit is being harmed. I have recorded calls to verify. As of late, BB & T stated the XXXX payment did not in fact, pay, the XXXX payment. Instead they paid the XXXX, XXXX payment in forbearance. My XXXX payment was split and part went to paying forbearance, {$400.00} went into a suspense account. My XXXX payment was applied to XXXX, XXXX to XXXX and now I owe again for XXXX and XXXX with a suspense credit of {$400.00}. BB & T, now Truist, refuses to make me current and continue to argue with me. I had no idea they had misappropriated my funds. I need your help in getting this resolved. I have also reported them to XXXX. The reviews of this horrible bank reflect many people having this problem. I feel they are doing this in the hope of stealing peoples homes and forcing us into foreclosure.

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 2020-10-14
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receivables Performance XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collecting on behalf of XXXX XXXX XXXX Is attempting to collect on a debt that I do not owe. Furthermore, they've reported this to my credit reports WITHOUT EVER TALKING TO ME FIRST. When I contacted them, their representative told me " we don't delete accounts from credit reports ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: SYNCHRONY FINANCIAL
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 never had a synchrony care credit card. They are Reporting a {$1000.00} synchrony credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished my credit

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 2020-10-14
Company: KWIK MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking to buy a home and found Kwik Mortgage out of XXXX XXXX NJ to get a loan from. I met with the mortgage broker ( XXXX XXXX ) and explained my entire situation. And what had happened to me in the past. I explained to him and Kwik Mortgage that I had a precious foreclosure and that I wasnt sure the exact date the foreclosure was finalized. Even before I filled out all the paperwork, the mortgage broker and the Vice President of the Kwik mortgage assured me that I was going to be approved and granted the loan and also before founding out the exact date of the foreclosure was found they approved me and ordered the inspection and appraisal of the home. They told me I was approved for a conventional loan at a 3.2 % interest rate. And was told that because of my foreclosure it was at 3.2 and not at 2.8. I have a XXXX credit score, I work full time and I was putting 10 % down. My official foreclosure date was confirmed that it was XX/XX/2017. Once again the mortgage broker and the Vice President reassured me that I was going to be approved. Without any hesitation. So they ordered the inspection ( which was {$550.00} ) and appraisal ( {$500.00} ). I provided every document they asked for and needed. 10 days before my closing date and even after being approved the underwriter explained that I didnt not met the guidelines and was short 4 months from 3 years. But after talking to an Attorney an Another Mortgage broker I was told that a conventional loan is 7 years after a foreclosure and 3 years for an FHA. I was wondering if there was anything that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe this amount. I have XXXX in my vehicle and it is mounted above the windshield as instructed. The machine toll neglected to read the device and I immediately called XXXX and was told my vehicle is registered with them and the toll machine did not read the device. I paid the toll via my XXXX account. I sent proof to the XXXX XXXX XXXX XXXX via mail to prove my case and was never contacted again. Now almost 9 months later I received a collection which has damaged my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report. 
15 USC 1681a - accuracy and fairness of credit reporting. 
15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: DLC, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During the month of XXXX someone compromise my accounts that made me an able to pay back a lender the company was notified and I told them I will keep them informed of whats been going on when I went to work the company had sent directly to an unsecured fax documents requesting information on myself although the fax was titled HR management The documents were never sent to the human resource department they were sent directly to my department which is a violation of my privacy. I notified the company and they said its part of their collection procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX credit card issued by Comenity bank ( are they even a bank? ) with a {$2500.00} credit limit. 
I had not used the card since I made an initial purchase in XXXX. It was paid off within 90 days or less. 
XXXX closed this account XX/XX/XXXX and reported it to the credit reporting agencies XX/XX/XXXX. 
I received an email alert to this activity on or around XX/XX/XXXX and immediately called Comenity. I spoke to their representative, XXXX ( ee # XXXX ) and requested they reverse the closure. Her first advise was to reapply. That of course was as stupid a suggestion as I've heard. I did not take it. She then stated she would contact her supervisor and request a reopening. I was to hear in " a day or two ''. I never heard back. 
I called a second rep the day after ( XXXX, XXXX ) who directed me to my online account. I gave Comenity more information online than they deserved but assumed since I was able to get online with the same account number and update all the information they wanted ( extra phone numbers, etc. ) perhaps the account had been reinstated. To reinforce that I did not want to reapply and hit the XXXX XXXX again, I sent another request to reopen my account via Comenity 's " secure message service ''. Their email reply XX/XX/XXXX directed me back to my online account and the gist of the response was " since my account had been closed so long ago '' I would have to reapply. ( of course, I will not do that ). 
I recognize that during this Pandemic Shutdown minutes, hours, days, and weeks seem endless but am I the only one with a calender and the ability to count? The account was closed XXXX, reported XXXX, I requested a reversal XXXX, email exchange began XXXX, my last communication with them was today XXXX. I think that's a total of 22 days. In what world is that too long a time period to reopen, reverse the closure of an account? 
The impact to my credit score was more than 30 points as I don't  carry a large amount of credit ; no mortgage, no car payment. It went from XXXX to XXXX. 
In the grand scheme of what's happening to the American citizen this is perhaps minor. But as a single woman, aging at a rapid pace, subjected to all the indignities that go along with being single and female in this world, I just wonder how many others are paying attention to what these no name banks are doing to people? However minor, one should not take a hit to their credit because the don't shop enough at a particular store. Thanks for your time and any effort you can give to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date opened : XX/XX/XXXX Original creditor : XXXX Type : Collection Balance {$350.00} Comments : Account information desputed b consumer ( meets requirement of the fair Credit Repoting act ) The item was updated from our processing of your despute in XX/XX/XXXX. 
This derogatory mark is still on my credit report with Experian. I did a fraud claim and the derogatory mark was removed from the other two credit bureaus.Now its with XXXX and Experian say it's not going to be removed until XXXX. I have sent certified legal documents for it to be removed but it hasent't been 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 2020-08-25
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello. Unable to repay current loan due to financial hardship directly impacted via COVID-19. Was able to sell vehicle. I have made every single payments on time or even more money. Company will not issue a deferment payment.

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 2018-06-22
Company: Red Cedar Associates LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my  girlfriend to call him for me because she works in the collection industry and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is Red Cedar Associates Llc. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NY
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 was a victim of identity theft several years back so every now again someone tries to apply for credit using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery keeps changing their caller ID number and calls me every single day. I have asked them well over a dozen times now to quit calling me but they do it twice a day anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Nelnet, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am unemployed due to covid-19 and thought they had to wait til XXXX to call everyday and ask me to pay. Well they are and I feel they should be fined for breaking an executive order from the POTUS. They are asking me to borrow money from others to pay them. I am actively looking for a job and have intentions of setting up a payment agreement when I obtain one. However, being called and harassed about my loans when to my understanding, they should NOT, is not okay. I ask that you PLEASE, at the very least ... tell them to stop. It is hard enough stressing about the ability to pay for rent and food and receiving daily phone calls about a school loan makes me feel even worse. Nobody wants to be behind on bills. Nobody wanted Covid-19 to happen. Please help. The company 's name is Great Lakes/XXXX.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX My credit file with XXXX is showing 2 charges with a company by the name of Trident Asset Management, LLC, Checks they are saying was written by me one for {$170.00} account number XXXX on XX/XX/XXXX and one for {$120.00} on XX/XX/XXXX account number XXXX these account does not belong to me I have try 10 times to disputie them and its still coming back its belong to me XXXX and XXXX are not reporting it the phone number for them is XXXX there address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have been disable since XXXX never have such account so I am asking for your help thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Solomon and Solomon, P.C.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Solomon & Solomon XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged balance owed : {$460.00} Original Creditor : 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