BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: Clarity Services
State: IL
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 received an updated copy of my credit report and observed a credit inquiry on XXXX XXXX from clarity services inc.clarity services inc has not given me written documented proof I consented to these hard inquiries as required per section XXXX and section XXXX of the federal credit reporting act and proof of accuracy of inquiries as required per section XXXX of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Collection agency Name XXXX XXXX XXXXXXXX XXXX Collection agency address XXXX XXXX XXXX XXXX, NJ XXXX Account name XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im in a XXXX XXXX bankruptcy due to a couple missed payments on mortgage. I went to a company out of California and they screwed me out of {$5000.00}. And that put me further behind and Im in bankruptcy owning XXXX for 7 years. It was a court order to refinance in order to keep my home Ive been current since then.Wells Fargo denied approval for refinance for a loan modification I went to 7 other banks and Wells Fargo would not provide the pay history and Im still in the bankruptcy payment my First mortgage and Second Mortgage and the Trustees. My Mortgage is XXXX and my Second Mortgage is {$200.00} and the Bankruptcy Trustees is {$900.00} Please 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 2019-05-31
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon requesting and viewing my credit file with Equifax ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Equifax ). Here are the errors that I need Equifax to correct. 1. XXXX XXXX XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX- This account is paid in full. 3. XXXX XXXX XXXX This is not my account. I have never done business with the company listed. 4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: ACIMA CREDIT, LLC
State: GA
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:
Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 


I, never gave any XXXX party any written consent to report anything on my consumer report. No contract is identity theft. 

Concerning all accounts as a consumer I am demanding a deletion of these accounts. 


Under XXXX XXXX XXXX XXXX. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector XXXX not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Even with a FTC Identity Theft Report and a police report. Transunion will not delete these accounts. I was told they couldn't block it. I have done everything in my power and by the law to get these accounts 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 2020-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For months now, I have made payments to my PayPal Credit account with a PAYMENT REALLOCATION request. That is, my total balance consists of several charges made under the " EASY PAY '' ( which allow for 12, 18 or 24  months repayment without interest ), or " DEFERRED INTEREST PURCHASES '' ( which typically give me 6 months to payoff the balance interest free ). Naturally, my intention is to pay the balances with shorter repayment period first. So, when I make my payments, I specifically ask for a PAYMENT ALLOCATION, that is, for a portion of my payment to be applied to the EASY PAY balances ( this would be a REQUIRED MINIMUM payment ), and the balance ( this is not required, but I pay EXTRA each month to help pay these balances off before interest starts accruing ) to be applied to DEFERRED interest balances. 
Each month, my payments are inevitable MISAPPLIED. They are being FULLY credited completely to my lower APR or EASY PAY balances! Each month, I call 7-10 times, explain my situation, and spend at least an hour on the phone! I am told that " a ticket is created for this case '' and that someone in some back office has to go in and manually change the payment for it to be applied as intended. It takes many calls, but the payments eventually get reallocated somewhat correctly ( not 100 % as I requested, but close enough to where it is not worth spending hours on the phone again ). 
Now, since businesses have been operating remotely, the situation has gotten A LOT worse! My last two payments have been misapplied, and I CAN NOT get any help from anyone! I spoke to " representatives '', " account managers '' and " supervisors '' ... ALL TO NO AVAIL! They all sound like parrots, repeating the same lines each time : " we are sorry for inconvenience '', " your case is being forwarded to the proper department '', it can take 1-2 billing cycles for your account to be adjusted '', and on, and on, and on .... 
I just got off the phone ( 1 hour & 25 minutes total! ) with a supervisor ( XXXX ID # XXXX ), who assured me for the 3rd time that " they are working as hard as possible to resolve these issues ''. I have a huge list of names, employee ID numbers and dates of all the people I have spoken with over the last nine months! I will be more than happy to provide this information, if needed. I just can not spend hours on the phone anymore, and now filing complaints! This is inexcusable! The amount of internet aggrievances posted against this company are staggering! Someone needs to hear US!!! 
PLEASE 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 2019-11-11
Company: Franklin Collection Service, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Franklin Collections on XX/XX/2019 about an item showing on my credit report. In the phone call, that I have attached to this complaint, I advised the collector that I did not know what this item was for and that it was the result of identity theft. 

Per the brady decission, a collection agency is to record a dispute, regardless of how they receive the dispute, and answer the dispute and mark it as disputed on their credit report. This is further required by the Fair Credit Reporting Act. 

In the call, the collector refused to mark my account as disputed, despite receiving a clear verbal dispute, and demanded I complete paperwork in order to answer the dispute. This requirement is in clear violation of the Brady Decision. Further, because there is paperwork, it seems that this goes beyond just a collector violating the law, but an industry practice on the half of Franklin Collections for which they should be liable for. 

As I clearly outlined the dispute and Franklin Collections engaged in practices to suppress my consumer rights, and they are clearly liable, I have obtained an attorney to pursue a lawsuit against Franklin Collections and the collector individually. 

It is clear that the CFPB should initiate an investigation into this matter as well as an audit of Franklin Collections to ensure they are complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2019-05-31
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
NetSpend authorized over 21 charges in XXXX over 88 minutes directly after my direct deposit. This was clearly an inside job of a NetSpend employee as the first phishing attempts occurred the same time of month my regular direct deposit occurs, always XXXX XXXX of the month. 
They refused to open a case with a case number while the requests were pending showing hold which further jeopardized my efforts to conform to their policy, report within 24 hours. 

Their call center is in XXXX. All my legal charges are in California, XXXX and only ever in XXXX out of America. 

Four to five charges from XXXX occurred per minute directly on the XXXX my paycheck direct deposit came in at XXXX XXXX with 5-6 companies repeatedly making charges. NetSpend provided the approval codes starting at XXXX, XXXX all the way consecutively through XXXX. Fraud of $ XXXX+ occurred and NetSpend made 0 efforts to warn me. These were all made in XXXX where I have never purchased online, I am born in California, have never been to XXXX and charges totaling $ XXXX+ were  taken from my checking account balance before I looked at my phone, my paycheck availability immediately was reduced {$2600.00} versus a Hold being placed. 

Card was cancelled within 2 hours of this. After cancellation, 10 hours later another 29 charges from the same criminal organizations in XXXX and charges below were placed on Hold and Pending by NetSpend.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 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 2023-07-03
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-01-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage company ( LakeviewXXXX  ) has set us up in a loan modification program. 

The issue I have is that I received an email from an XXXX XXXX stating we were in default of our mortgage. XXXXtates they are in process of foreclosing on our property. Email has the Lakeview Mortgage logo on it. I called the number listed and XXXX XXXX answered the phone. He proceeded to tell me the same thing the email said. He also told me we were in default on escrow and owed over {$500.00} payable immediately. He asked for my credit card number. I got very nasty with him still thinking this was a valid notification. 

I looked over the email closely and noticed it was poorly written. I called Lakeview and was informed it was a scam. I asked how this guy got all of this personal information that only Lakeview should have. The girl started double talking and I finally asked her whether Lakeview was concerned about this. She stated they were but all I could is report this scam to 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 2018-10-14
Company: Convergys
State: IL
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:
Received letter from collections in reference to a debt from XXXX XXXX for XXXX XXXX XXXX. 

The collection agency, the 1st party XXXX XXXX XXXX XXXX XXXX   changed the address without authorization. 

The address is only a forwarding for care of.I never gave authorization for any change of address, contact to this address and or other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
i have tried to dispute XXXX  times the company have no proof the account is mine no proof of my signature or proof that i owe this 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 2018-11-23
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: Investigation took more than 30 days

Complaint:
A previous report was filed because XXXX XXXX refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,

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 2019-05-31
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX Charge of {$5500.00} by Government Contracting XXXX Dispute of charge filed with Cardmember Service XXXX Contacted merchant to try and resolve issue - merchant refused XXXX Provisional credit of {$5500.00} charge XXXX Submitted 25 pages of supporting documents to Cardmember Service regarding dispute. XXXX Discovered that the provisional credit had been reversed. XXXX XXXX called and inquired about this. Then she requested that she be contacted by someone in the dispute department because we didn't agree with the information that Government Contracting had provided to Cardmember Service and wanted to continue to dispute this charge. She was told that she would receive a call back within two business days. XXXX XXXX XXXX contacted Cardmember Service by phone asking to speak to someone regarding the dispute. She was told by the person who took her call that someone would call her back that week. XXXX XXXX XXXX contacted XXXX XXXX  XXXX for help with our credit card issue and was told that they don't handle these things and we have to deal directly with XXXX, the owner of the credit card. XXXX We faxed a letter to Cardmember Service explaining that we were still waiting to hear back from someone regarding this dispute and that if we didn't hear anything by XXXX we would be filing a complaint with CFPB. XXXX we mailed a copy of the fax that was sent on XXXX XXXX XXXX XXXX is filing this complaint for us and is representing 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 2018-10-14
Company: SYNCHRONY FINANCIAL
State: IL
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:
A letter was sent from XXXX XXXX XXXX XXXX XXXX about a walmart credit card by XXXX XXXX. 

This company, walmart credit card XXXX XXXX changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party

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