BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
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: Was not notified of investigation status or results

Complaint:
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.

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 2016-04-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was my XXXX XXXX that was financed and I paid if off in full XXXX 2016 they will not take it off they keep telling me that the information is accurate. It was paid along with court cost. It was a judgment so they updated the judgement as satisfied but not the original account. Also, it was a joint account and it was taken off my wife 's account.I want this deleted.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have made several calls to transunion regarding inquires on my report that was not authorized. I was advise Inquires would be deleted however that remain on my report. The first call was made on XX/XX/XXXX. 2nd call on XX/XX/XXXX and another call was made today. I requested a freeze to be placed on my account to prevent unauthorized inquires, however that still hasn't been done. I currently have freezes on XXXX  and XXXX  and have no trouble with those reports. However someone continuously use my social to pull from transunion. There is currently 16 inquires on my report that i never authorized. This is really affecting me. I need this hard inquires removed and a freeze placed on my account. 

There are inquires dated below that was not authorized. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS 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 2017-02-03
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.

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 2016-01-27
Company: SYNCHRONY FINANCIAL
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I made a {$25.00} purchase on my Belk card in XXXX. In XXXX I sent a check with the bill for that amount. The next bill had a late fee of {$35.00} added. I have called but they keep adding late fees and are now compounding interest. Is this even legal? I would never have used the card if I knew they could do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX I and I tried to open a bank account with navy federal credit union I have never had a account with them I have sent them proof of my identity DRIVERS LICENSE SSN CARD PROOF OF ADDRESS and still they say I had an account with them and I told them that was identity theft and that was not me so I am asking to cupbearer in help me get this resolved so I may open my account with navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have now called FedLoan Servicing 5 times. I have been on hold from XXXX minutes at a time while trying to contact them. I have been locked out of my account so I can't update my phone number and I can't email them because it requires logging into your account. I am trying to get documents to refinance my loan and it has been extremely difficult to get ahold of them to get the proper documentation. I still haven't had my call answered and can't get ahold of them any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - XXXX XXXX EXPERIAN XXXX HIGH CREDIT - XXXX {$2400.00} EXPERIAN {$0.00} LAST REPORTED -XXXX  XX/XX/XXXX EXPERIAN XX/XX/XXXX DATE OF LAST ACTIVE -XXXX XXXXXX/XX/XXXX EXPERIAN 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 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-06-27
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I signed registered with the University XXXX XXXX for an XXXX class ( XXXX XXXX ). The very next day I got an email stating the class is not excepting enrollments from the University XXXX XXXX and thus I did not take the class. In XX/XX/XXXX, I get a letter from Williams & Fudge , Inc stating I owe {$1500.00}, about a quarter of it is late fees. I ca n't understand why they want me to pay for a class I could not attend per the University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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:
It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for 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 non-monetary relief
Consumer complaint received 2021-08-07
Company: EQUIFAX, 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:
I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have given Highlands residential mortgage servicing both verbal and written instruction to remove escrow from my loan. They continue to use delay tactics asking me to send in signed physical documents. I did not agree to a requirement of sending a signed physical copy to remove escrow during the signing of my loan origination documents. I've already given them written notice and instruction to remove the escrow. 

Every month delayed is a month denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
WALLET WAS STOLEN AND FRAUDULENT ACCOUNTS WERE OPENED UNDER MY NAME.

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 2022-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates furnished information on an alleged debt which is reporting on my XXXX and XXXX consumer files under two different truncated account numbers. Please see the attached certified mail receipts. I have disputed this alleged debt twice directly with Portfolio Recovery Associates. Old account statements from an original creditor are just statements but definitely not proof of third-party ownership. Nor is it logical to assert otherwise. 

The alleged debt under Portfolio Recovery Associates was also reported prior on my XXXX consumer file. I disputed the alleged debt directly with XXXX, and the CRA deleted the unverified collection account following its reinvestigation. Please see the attached XXXX XXXXXXXX XXXX results. Sections 611 and 623 of the FCRA impose specific dispute investigation and resolution duties on CRAs and those entities that furnish information about consumers to the CRAs ( " furnishers '' ). 

After receiving all relevant, consumer dispute information from the CRA, furnishers, such as Portfolio Recovery Associates MUST ( i ) conduct an investigation of the disputed information ; ( ii ) review the information transmitted by the CRA ; ( iii ) report the results of the investigation to the CRA ; and ( iv ) if the investigation determines that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the original information, pursuant to FCRA section 623 ( b ), 15 U.S.C 1681s-2 ( b ). 

There is no indication that Portfolio Recovery Services adhered to part ( iv ) of the required dispute process noted above. Information about the deletion of that account from my consumer file following XXXX 's reinvestigation does not appear to have reached XXXX or XXXX. The unverified Portfolio Recovery Associates collection account is still being reporting on my XXXX and XXXX consumer files. I want Portfolio Recovery Associates to explain why the results of the XXXX reinvestigation were not shared with all nationwide CRAs to which it reported the original debt collection information as the FCRA requires. This is my financial reputation and livelihood which must be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: MA
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 send a dispute to Equifax about the following account XXXX XXXX XXXX  XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: BARCLAYS BANK DELAWARE
State: VA
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:
As per the terms and conditions of this credit card ( attached ) - { You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on XXXX Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus XXXX  miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow XXXX weeks for bonus XXXX  miles to be deposited into your XXXX Account after the qualifying purchase ( XXXX ) have posted to your XXXX Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. This is a limited-time offer and may be canceled at any time without notice. } -- -- -- -- - I received the XXXX bonus miles on my statement ending on XX/XX/22. That means I spent {$2000.00} on XXXX Purchases on my statement ending on XX/XX/22. For the {$95.00} statement credit, the terms say - The statement credit will appear at the close of the billing statement after the qualifying purchases post. This means I should also have received the {$95.00} statement credit on the same billing statement ending on XX/XX/22. But I have not received the {$95.00} statement credit. Contacted customer service and they are saying they can't do anything about it. This is a gross violation of the printed terms and conditions that the bank sent to me. Please correct the situation and give me the {$95.00} statement credit immediately as that should have already been posted on my statement on XX/XX/22.

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 2022-07-24
Company: CCF Intermediate Holdings LLC
State: AL
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:
I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX XXXX account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is Speedy Cash. Which was sent to XXXX XXXX XXXX XXXX. For collections from Speedy Cash. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I contracted with XXXX XXXX XXXX in XXXX, XXXX to conduct my move from XXXX to XXXX, XXXX. I paid for the entire move, over {$8000.00} on a Merrill Lynch, XXXX card which is owned by Bank of America. 
My move went horribly by the mover. XXXX split my shipment in to XXXX-differen shipments, with the second shipment arriving 19-days after the first. Many needed household items were missing from the XXXX shipment, in which we had to go out and purchase replacement items. 
I submitted to Merrill Lynch credit card to hold {$500.00} from payment, since XXXX was unresponsive to my requests. Merrill Lynch waited over 30-days and stated that company was entitled to payment, even though moving company did not live up to its contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief