BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: FL
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 notified all three major credit bureaus of a breach of my personal information both through the XXXX  Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my XXXX   and Experian reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both XXXX  and Experian made it difficult to access my credit reports directly through their agencies, this was off for me because I could access XXXX through XXXX and Experian through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however XXXX denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both XXXX and Experian have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in XXXX, and Experians high and might oversees customer service team which refuse to correct my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: NC
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 found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX  XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX  and Equifax have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously received several correspondences regarding this XXXX debt from several collection agencies I don't owe this debt I've never had a residence in Texas nor have I ever lived in Texas this debt isn't my debt. XXXX XXXX XXXX XXXX continues to transfer the debt to different collection agencies trying to collect. I've advised them several times this isn't my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: ALLY FINANCIAL INC.
State: AL
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:
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXXs in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XX/XX/XXXXXXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. Transunion and XXXX  have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
I only have XXXX XXXX card that I began using in XX/XX/2020. My monthly payments from XXXX to XXXX were paid on time and in full for each month In accordance to TransUnion, my credit score went down 5 points. I have been making my payments on time for each month. As of XX/XX/2020, I had a {$0.00} balance. I owed {$63.00} for the month of XXXX. On XX/XX/2020, I paid the complete balance of {$63.00}. 

Why did my credit scores go down 5 points?

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 2018-07-24
Company: EQUIFAX, INC.
State: OH
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 fraud alerts on my credit files with all 3 credit bureaus and I placed a freeze on my Equifax credit report along with locking my XXXX and XXXX. On XX/XX/2018 I was notified by XXXX   for an account that was flagged and placed on my credit report. This account was XXXX XXXX. I immediately disputed the account as fraudulent with all three bureaus. Equifax refuses to delete the fraudulent account even after submitting my identity theft report to them. I was never notified of this account by Equifax not was I ever sent a bill summary showing or a notice of my rights to dispute. I have disputed the account countless times with Equifax, I recently received mail from Equifax stating they wouldnt reinvestigate the account any further. I have also sent my Identity Theft report to XXXX XXXX. Equifax is now ignoring any further communication with me as a result of me disputing the account. I have sent certified mail to them of my identity theft report along with the letter the FTC told me to send including copy of credit report, drivers license, social security card and proof of residency. I do not have the right to be ignored by this credit reporting agency for thier poor job into the investigation of this account that is known the be from identity theft. I have submitted to them proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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:
REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman   XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX  ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.

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 2020-05-05
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: Investigation took more than 30 days

Complaint:
REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Joint checking account held by wife and self with XXXX which became SunTrust for over 32 years. In XX/XX/2021 Truist bank emailed us to say they would be taking over SunTrust, not to worry, we need do nothing, as they would take care of everything. We heard nothing more by mail or email. We discovered our debit cards had been cancelled when they were declined whilst we were on. US based cruise ship! Not only that, when we contacted Truist online, our account had been changed from a few free account to one that required monthly payment if balance dipped below a certain level - Worse than that is the fact that they have removed my wifes name from the account. We were told she had to register to be included on account! But the firm online discriminated against overseas clients, as it will not proceed without a zip code, which we do not have. We have called repeatedly, racking up telephone bills of over {$60.00} - to no avail. We have emailed, and literally spent hours on online chats, again to no avail. We do not have any trust in Truist, and now simply want to close the account and transfer our funds to a XXXX Bank, which is where we reside. We have hit a brick wall!! We wanted an immediate bank to bank transfer- told not possible, call into your local branch!!!! In the XXXX??? Asked for wire transfer, now on third impotent call and on online chat getting nowhere!!!

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 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just received a statement from Bank Of America where they paid my back taxes on my property. I have set payments up on my taxes and have never been up for tax sale. We have up to 2 years for taxes. I have always set up payments and never defaulted. What Bank of America did was set up an escrow a few months ago {$29.00} for taxes per month. With penalties I pay a little over {$2000.00} a year for all taxes that year. I never had problems with them before on this. I had a 20 year fix mortgage with countrywide home loans which bank of America bought out. I have a little over 5 years left on this mortgage. I have never missed a payment or been late on one. So what they did was added XXXX a month to my mortgage. My mortgage is XXXX per month. They now state that I have to pay XXXX per month. I was able to make my payments before. Now I wo n't be able to. That XXXX totals XXXX per year. I thank this is an attempt to foreclose on me with no just cause. There was absolutely no reason for this. I have to live just like anybody else including them.

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 2018-07-24
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX, I've reached out to Sears Master Card services, to resolve a promotional balance program. I didn't sign up for this protional program and I requested that Sears show me proof of signature or evidence to my involvement in a promotional balance. I went on a cruise during The month of XX/XX/2017. I consumed a XXXX during that trip and Sears Master Card placed me in a promotional balance program that I didn't sign up for. I've been with this company for about 5 years and I've never missed a payment. I'm being charged outrageous high interest rates that's additionally added to my monthly note. I have audio proof of contact with Sears discussing my concerns. They can't show any signatures of me signing up for this program. I'm struggling to pay this, Sears is trying to charge me XXXX month plus, this amount is basically XXXX additional to my monthly note. My automatic payment went from XXXX to XXXX. I need proof I sign up for this program I wasn't aware of.

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 2017-11-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: American Collection Systems, Inc.
State: TX
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:
Someone who had been using my personal indentifying information obtain loans and goods in my name.I already sent American collection systems in XXXX Wyoming a letter from my attorney, as well as a police report and ftc report.they originally removed it from XXXX and XXXX as they are supposed to by law.last week I noticed the same {$540.00} collection on my XXXX credit report! it's is from XXXX XXXX.i never have done business with this place, nor do I live where loan was even taken out. My social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.

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 2021-09-12
Company: EQUIFAX, INC.
State: OH
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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation