BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is an account reporting on my trans union credit profile that does not belong to me. I do not have XXXX XXXX nor have I ever had XXXX XXXX Someone has opened an account without my knowledge the account is listed from XXXX from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}

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 2022-01-25
Company: WELLS FARGO & COMPANY
State: VA
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:
In XXXX Wells Fargo Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-03-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The fdcpa clearly states that harrasment aka calling repeatedly to collect a debt is against their policy, which is exactly what is happening to me, I would like to report that commenity bank is using harassing collection methods, and I have proof on my call list the amount of times a day I get called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
In accordance with The Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instructions. 

XXXX  Acct # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXXXXXX XXXX  XXXX, it was XX/XX/2021 when I had to go to my doctor, XXXX XXXX, in XXXX, and it happened that the doctor was not there and I needed him to check me out, and the doctor 's receptionists sent me to the emergency room because I needed a report of what I had and take it to school but it turns out that they did things to me that later not even my insurance covered me this is a robbery for me and I don't have money to pay so much

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 2020-08-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Seterus Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. I have an automatic payment process through XXXX XXXX XXXX that pays them on the XXXX of each month for the upcoming month. In XXXX 2015, I mailed in a {$20000.00} check and wrote apply to principal XXXX places on the check as well as a letter stating the same. Seterus applied the check to XXXX future payments and applied only a portion of the check to overpayment. After numerous phone calls, emails and a letter from the Attorney General of Arizona my {$20000.00} was applied to principal. Immediately after, Seterus without my consent changed my monthly automatic payment and applied it to principal instead of payment and charged my a late payment fee. This is gone on every month since that and when I call I get statements such as " Your Bank is not paying right '' and " The computer made a mistake ''. Now their creative accounting applies the payment on XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX payment. This is incorrect and allows Seterus to ( wrongly ) collect additional interest. This company states it does not charge prepayment penalty but I feel this is what they are trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Reporting company used your report improperly

Complaint:
I was affected from Equifax by reporting false credit scores. Equifax assumed a vital role, which I did not consent to, in assembling and evaluating consumer credit and other information on consumers. As a consumer reporting agency, they have a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, in which they have not. They were unfair, and impartial. Theyve been furnishing my information without my consent and not respecting my privacy. They never had a permissible purpose. I never instructed them to even create the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NC
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:
In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Specialized Loan Servicing Holdings LLC
State: IN
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:
Hi, this servicer ( Specialized Loan Servicer, XXXX XXXX XXXX. # XXXX, XXXX XXXX, CO XXXX XXXX ) ( XXXX ) has been negligent in the way they handle their clients information. They continue to report business loans on my personal credit in error. I've called them on similar previous issues and after much time and effort they would acknowledge the error and remove the incorrect reporting. This is happening once again, they now show one active account on XXXX credit report ( after i complained it showed on my XXXX and they removed it ), balance of {$100000.00}. They also still show multiple " closed '' accounts on my XXXX report that is impacting my credit report. Please please please make sure they correct these errors and prevent them from reporting incorrectly again, this is preventing me and my new wife of purchasing our new home with all these commercial loans showing as active or closed on my credit reporting agency reports. Thank 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 2016-10-09
Company: Alorica Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
FAILED TO VALIDATE DEBT AND WENT ON CREDIT REPORTS IN VIOLATION OF FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I DISPUTED ACCOUNT ON MY EQUAFAX CREDIT REPORT AND RECENTLY THE ACCOUNT WAS DELETED OFF OF MY CREDIT REPORT. GRANITE STATE MANAGEMENT WAS A CLOSE STUDENT LOAN ON MY CREDIT REPORT AND IT WAS A PAY AS AGREE ACCOUNT ON MY CREDIT FILE. THE REASON WHY I DISPUTED THIS CLOSE ACCOUNT IS IT WAS REPORTING A WRONG DATE FOR DATE OF LAST ACTIVITY ON THIS ACCOUNT. IT WAS REPORTING XXXX XX/XX/XXXX DATE ON THIS FILE. I MADE MY LAST PAYMENT ON THIS ACCOUNT IN XX/XX/XXXX WHEN IT WAS TRANSFER TO ANOTHER OFFICE. THE DATE OF LAST ACTIVITY NEEDED TO BE UPDATED TO SHOW THAT THE LAST ACTIVITY DONE ON THIS ACCONT WAS IN XX/XX/XXXX NOT XXXX. THIS ACCOUNT WAS CURRENT TILL IT WAS CLOSE BUT ACCORDING TO MY CREDIT REPORT IT SHOWS LAST ACTIVITY WAS XX/XX/XXXX. SO I CALLED GRANITE STATE AND THEY SENT ME A PAYMENT HISTORY OUT ON THE ACCOUNT AND I SENT THEM A FAX OF THE ISSUE WITH THE ACCOUNT. A WEEK LATER THE ACCOUNT WAS DELETE OFF OF MY FILE BUT GRANITE STATE SAID THEY SENT UPDATE TO EQUAFAX TO GET THIS ACCOUNT UPDATED / EQUAFAX SAYS GRANITE STATE REQUESTED TO HAVE THE ACCOUNT REMOVED. GRANITE STATE SAYS THEY DIDNT ASK TO REMOVED THE ACCOUNT,. THEY ASK ABOUT DOING A CONFERENCE CALL WITH EQUAFAX AND EQUFAX SAYS THEY DONT DO CONFERENCE CALLS. THIS ACCOUNT NEEDED TO BE UPDATED AND I ASK IF EQUFAX SENT ANY INFORMATION REGARDING THIS ACCOUNT TO THEM AND THEY SAY THEY HAVENT RECEIVE ANY DOCUMENT. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE. THIS ACCOUNT IS A CLOSE INSTALLMENT LOAN CLOSE IN XX/XX/XXXX AND IT NO DUE TO COME OFF TILL XX/XX/XXXX. I HAVE DOCUMENTS TO SUPPORT MY CLAIM. ON A EARLIER CREDIT REPORT IT SHOWS THE CURRENT DATES ON THIS ACCOUNT BUT A COUPLE OF FILE SHOWS DIFFERENT DATES. I WOULD LIKE EQUUIFAX TO SHOW GRANITE STATE MANAGEMNENT THESE DOCUMENTS. I WOULD LIKE BOTH OF THEM WORKING TO GETHER IN GETTING THIS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I was the victim of a large number of unauthorized charges on my credit cards that has resulted in high interest and bank fees. Unaware of the transactions I was deemed the " billing '' party and not the " shipping '' party. In the process of recovering the items from the individual who placed the charges on my account and being sure the items were returned, I discovered how difficult it is to return items because there is no recognizable footprint for internet transactions. If the " shipped '' party does not possess their electronic record ( email confirmation of the transaction ), it may be difficult to access the electronic record any other way. Banks tell me they have no information for dot.com transactions. Merchants tell me they ca n't understand and synthesize their records and easily tie the records back to the original transactions. Meanwhile, the interest and fees charged by the credit card mount for the consumer. 
The problem with record keeping starts at purchase. In my case : Dot.com merchants never validated or asked whether the purchaser and the credit card owner were the same. With this, merchants invited the possibility of an unauthorized transaction and bear none of the burden of interest charges and fees or other consequences to the " billed '' party. 

Once the transaction occurred, the merchant 's loyalty was only to the " shipped '' party. Dot.com merchants did not recognize the " billed '' party ( me ) as a legitimate party. Most would not correspond with me, send refund check for returned merchandise to me, share specific information about the account, or in some cases, even talk to me. 

As the 'billed '' party, I received only information on the credit card statement : transaction date, merchant, and total cost. These are not sufficient information to return an item for a refund. 
Ultimately, most of the items have been returned because of my persistance and luck with finding pieces of information. I am left with an estimated {$1000.00} in interest and fee charges. I feel the inaccessibility of information contributed greatly to not being able to return items sooner. 
At risk are those who are not tech savvy, the XXXX, the elderly, who could potentially incur large credit card balances and be unable to trace charges and make returns because of the morass of data surrounding their transactions should they be unable to keep accurate personal records. In the meantime, the credit card company is charging interest on transactions that this consumer is unable to resolve without the merchants ' cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Prince Parker & Associates
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:
There is an account reporting on my XXXX XXXX credit profile that does not belong to me. I do not have att service nor have I ever had att serivice. Someone has opened an account without my knowledge the account is listed from PrinceParker from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is still reporting as open accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Bankruptcy was discharged XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. 
We apologize for any inconvenience this may cause. 
I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. 

The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. 
It was clear that Bank of America had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. 

And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. 

What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????

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