BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX  (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
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America through their Attorneys obtained wrongful judgement against me on XX/XX/XXXX - XXXX for {$19000.00} I appeared Pro Se and the presiding Judge XXXX XXXX XXXX ruled for Bank of America without careful examination of the evidence and the paper work presented by Bank of America. I was therefore denied legal process and totally ignored merely based on the shoddy evidence entered by Bank of America and their Attorney. Bank of America and their Attorney failed to demonstrate debt validation pursuant to the Fair Debt Collection Practices Act 15 USC1692g Sec 809 ( b ). 

Bank of America and their Attorney presented the front side of a signature card dated XX/XX/XXXX - XXXX as evidence. The terms and conditions on the backside were missing. 
And no credit card agreement. Bank of America billing statements of prior periods before XX/XX/XXXX - XXXX were missing. Bank of America billing statements from XX/XX/XXXX - XX/XX/XXXX were also missing from the evidence. I had no way to calculate the true dollar amount of the debt.

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 2020-09-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony Bank for Lowes did not send paper statement for XXXX. Called 3 times to try to correct and requested paper statement but did not receive. Made on line payment, received 2 emails stating payment received, then received phone message to call them. Spoke to 3 people who insisted payment was NSF but the problem was it was not posted to the correct account. Unable to find a person to let me finish a sentence to correct this. Have perfect credit, made a payment when one was not due and now being harassed about it.

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 2022-10-04
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 am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX/Equifax and XXXX are XXXX in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear whom with concern, Hope all is well. I'm XXXX XXXX and thanks for your help. 

Actually, I got a letter from collection company 'Transworld System Inc. '. 
This is related with XXXX XXXX XXXX XXXX. I called to the company and they said it's about {$320.00} for 3 toll violation collections. Each is {$100.00} and the original amount is less than $ XXXX. I don't know when was the violations. I have XXXX account and I always pay the toll automatically by the Tag by XXXX since XX/XX/2016. I have all the transaction histories. 

I called the XXXX and they told me it's already transferred to the collection company and they don't let me know when was the violations. And the collection company wants to contact XXXX. 

so could you contact them and adjust total amount? I'll pay for the original amount but I can not pay over {$300.00} for them. And I'm worry about my credit history. 

I attached the letter for {$210.00} and evidence of XXXX account since XX/XX/2016. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: HI
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:
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted One Main in XX/XX/2018. I have asked them to provide me with specific information regarding the said account. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. I have previously informed them that my ex husband XXXX XXXX is responsible for the debt as stated in our divorce documents. The debt was incurred through identity theft and deception. I also has insurance and liability on this loan in the case that anything should happen. 

I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is being sent to you in response to a computer generated, unverified account CHOICE RECOVERY INC # XXXX this inaccurate information was furnished by Claimant from several offices. Be advised that these claims are disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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:
the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-07-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Currently I have 4 private student loans with Navient when I first began with Sallie Mae in XXXX for XXXX School. I currently have 3 co-signers for my student loans. I have been paying them back since XXXX at first when I graduated from XXXX in XXXX I placed my loans in forbearance costing me {$50.00} per period which was 6 months. When I was no longer able to put the loans into forbearance because Navient would not allow me to I was forced to begin paying the loans back however I was not able to afford the monthly amount, I then in XXXX began the rate reduction program which lowered my interest rate for each loan for a period of 6 months which helped me reduce my loan payments. The issue remained that all though I was in the rate reduction program the payments were only applied to the interest only and not very much to my prinicpal once the program ended and I had to reapply the monthly payments went back up and so did the interest and this continues to happen. XXXX of the requirements of the rate reduction program was that I had to submit my income statement but my co signers were not required this was fine however recently when I attempted to reapply for the rate reduction program they are requesting my co-signers to submit income statements and they are refusing because this was not required before and also I have been the only one making the payments. I am now several months deliquent on my loans because I can not afford to pay for the minimum due which is XXXX per month and Navient is refusing to assist with lowering the cost without my cosigner information. This is predatory and they have gotten several thousands of dollars on my student loans over the years and have not truly been applying the payments to my prinicpal so how was the rate reduction program truly helping me but actually causing me to go further into debt and not lowering the debt. Their lending practices are predatory and they continue to call and offer assistance to lower payments but will not work with me to lower my payments or a program that will get my balance down. i have been paying Navient for the last 5 years and not my actual loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: FIRST REPUBLIC BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We are in the midst of construction and realized we needed a significant change order due to some structural issues that arose. We called a number of banks and found out that most banks would n't do a home equity loan while under construction. We spoke to First Republic and they said that they could do things other banks could n't and offered us a home equity loan. We spent two months filling out paperwork, notarizing items, and working through their process. I was also told I could draw on my original home equity loan at another bank during this process. However, when I went to write a check I realized that they had closed my home equity loan with my other bank!
After two months, they called me and explained that they were n't giving us the loan since we were too early in construction. This seems crazy considering that they had an appraiser come out and photograph the project and we were very honest as to where we were in construction. Another large issue is that they tried to force me to open a checking account and I refused until they opened the loan.
Therefore, my complain is on three fronts : ( 1 ) useless opening of loan paperwork due to lack of due diligence, ( 2 ) closing of my other accounts when they specifically told me using that old account was not an issue and ( 3 ) trying to force someone to open a checking account for a loan they were not planning to grant me ( bait and switch ).
While I 'm not doing business with this company ( nor would I ), others should be warned about their business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Nationwide Recovery Systems, Ltd
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man calling from this number told me that the call would be recorded, stated the company name and attempted to get me to verify my information regarding a business matter. I asked him several times that Ive never heard of the company ( Nationwide Recover Services ) and to state the nature of the business before I verified any information. He refused several times and has called me 3 times within 7 business days. I asked what the company was, and he kept saying it was a business company. I outright asked if it was a debt collection agency and he refused to tell me. I called the number back to see what the company was, and he answered and didnt specify, once again, despite the fact that I called. I looked it up and of course it is a debt collection agency. They are required by law to report if they are attempting to collect a debt before they ask a person to verify information. They are harassing me and not being transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Upstart Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Upstart Network Inc approved covid-19 related hardship assistance. They told me that I was approved and didnt need to make payments for 60 days. They also sent me a letter indicating that they wouldnt report my account as delinquent to the credit bureaus for being late. 
This company went ahead and reported my account as 60 days past due dropping my Fico score by 60 points. 
I tried multiple times ( 5 to be precise ) thinking it was a mistake and hoping they would remove this error. 
Upstart Network Inc refused to remove this delinquent reporting.

This has negatively affected my Credit and and iam unable to get favorable interest rates or i am getting denials even though I have made my payments on time since the loan inception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I filed disputes with the XXXX, XXXX and Equifax. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other 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/2020 I became aware of inaccurate information listed on my credit reports by Credit Collection Servic. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement along with an itemized document. 

On XX/XX/2020 I made a second attempt to resolve this matter by informing Credit Collection Servic referencing FTC Opinion letter from Attorney XXXX XXXX XXXX that a printout of a bill or itemized document does not constitute verification. I have not received a response back. 

Furthermore, I mentioned in my second dispute the unfair inaccurate reporting of not just the account status but of the account name. Credit Collection Servic listed the mention account under three name variations I believe acting in bad faith. Credit Collection Servic, Credit Collections Services and CCS Collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Boa se

nt a 30-Day late payment to the credit bureau during the pandemic. I paid off my mortgage making the last and final payment. The 30-Day remark should be immediately removed from credit report. This voilates the cares act.

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 2020-05-15
Company: EQUIFAX, INC.
State: UT
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 victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable  conclusion has been determined.

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 2018-07-13
Company: CBC Credit Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: MARINER FINANCE, LLC
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: Account status incorrect

Complaint:
I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

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 2017-08-04
Company: STATE FARM BANK, FSB
State: CA
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:
I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.

Company response to consumer: Closed with explanation