BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: CITIBANK, N.A.
State: MA
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:
Hi, Citibank act ending XXXX, with customer reference # XXXX has conacted me via phone and now thru this letter stating I havae previously enrolled in a credit protection an optional debt protection program for a monthly charged fee. 
However, I have n't had a citibank credit card in the last 10 years. I am concerned because 1- I never signed up for a citibank credit card and I never signed up for this protection plan. and 2- I am concerned that someone trying to be me is using my info and has established my identity. Can you please see what this situation is about. I don ; t feel comfortable giving any of my info to citibank. 
Thank you, 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 2022-04-02
Company: Experian Information Solutions Inc.
State: WI
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 tried contacting to remove these inquiries from my credit report now I'm trying again there was 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

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 2022-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My Bank of America prepaid card for my unemployment was used in XXXX and at the end of XXXX, totaling amount {$5900.00}. I contacted BoA by the end of XXXX when I saw the transactions. Since the transactions were made to different companies, there were quite a bit of disputed claims. They informed me that it takes 90 days for investigation to complete but theyll give me temporary funds for the amount. The 90 days deadline was XX/XX/XXXX and the representative informed me that some of the claims are still open and some have been denied. I have gotten close to {$3400.00} back from the claims but the rest is still pending. I have requested supportive documents for the claims that were denied and I only received for one denied claim which stated that the claim was a duplicate. Since then, i have not had any communication from BoA.

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 2020-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
Made XXXX payment regular payment .carrington called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
P
ortfolio Recovery Associates ( PRA ) is falsely reporting se  veral different accounts from the Original Creditor,   XXXX   XXXX   on all 3 major credit reporting agencies ( CRA ). I have attempted to have the amounts updated and requested that the CRA 's validate the amounts and provide proof from Portfolio Recovery Associates. PRA falsely verified that the amounts in question are correct.
I will list 2 of the 3 accounts on this complaint and the 3rd and 4th complaint will follow separately  .  <P/>  Account Number  :  XXXX  PRA is reporting an amount ( original ) owed of {$890.00}.  <P/> I have verified with    XXXX   XXXX    that the true amount is {$810.00}.   <P/>
2nd Account PRA is reporting an amount ( Original ) of {$590.00} I have verified with   XXXX   XXXX   that the true amount is {$540.00} Documentation will be attached and additional can be provided under request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX  ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank account was hacked so informed Wells Fargo they closed the account so I thought they still allowed other individuals i did not know use the account there was transfers withdrawals and loans opened in my name with out my permission and every time I try to resolve the issue Im place on hold and left on hold for hours there all apart of the scam

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 2021-10-29
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Specialized Loan Servicing, SLS, offered and i accepted Covid related modifications during the beginning and continuation of c19 lockdowns and severe unemployment.

Was explicitly told forbearance and any.modifications WOULD NOT AFFECT CREDIT REPORT NOR WOULD IT BE INDICATED ON MY CREDIT REPORTS. It IS SHOWN, and states a NEGATIVE with a 7 year expiration time for negative to be removed. Other people with different mortgage companies have NO indication of any mods and are in good standing with credit reporting companies. NOT SLS. Requested and they said could not do, even tho they stated at time of mod,, & is allowed under both Covid relief acts...

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need to fix a debt that was incorrectly sent to collections ( it has been paid in full ). I opened disputes with XXXX and XXXX. I could not log into Transunion. I spent an hour on hold with their phone line, at which point I spoke to a customer service rep who told me that they had disabled web-based dispute filing due to the COVID-19 emergency. This is ridiculous and outrageous. He then told me that because my account had previously been the victim of fraud ( some credit cards were fraudulently opened in my name ), a different department would have to field my dispute. I was transferred to their hold line. After 15 minutes I had a work obligation and had to hang up. 

I feel that Transunion has an obligation to provide expeditious dispute filing to the Americans they track.

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 2021-10-29
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for 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 2022-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery is reporting a debt from XXXX  XXXX on my credit report and I have requested verification of the debt that they have failed to provide to me and XXXX XXXX and XXXX fail to delete this from my report. They dont care I sent them a certified letter recently with return receipt just because they have ignored all of the disputes they have ignored. If they ignore this letter I will consulting an attorney for them violating my FCRA rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This is the email I sent to the Office of the President on XX/XX/XXXX since customer service is not reachable, due to CV-19 as the recorded message states. 



Fraudulent Activity and No Assistance from PayPal XX/XX/XXXX, XXXX XXXX  to executiveoffice I'd like to make you aware that it is impossible to report fraud and get in contract w Paypal. I received a debit card in the mail that has my name but I didn't order the card. In fact, I had fraud multiple times in the past with PayPal, and also my family members. I asked to close down all PayPal accounts and not to open new ones. 

The number on the card is XXXX with the name XXXX. When calling customer service, no active agents are available during the weekends. Also, since I don't have an account with PayPal I'm unable to log a ticket. 

Can someone contact me and help me through this problem? I'm beyond frustrated about this situation, especially since I asked to flag me to not open any accounts in the future. This is like a situation of a do not call list and your company ignores customers. I'm wondering how often this happens to other folks. Or, if management is even aware what is going on with this type of problem. 

Obviously, your company has no adequate internal controls to prevent fraud and protect consumers because you put undue hurdles in place to even talk to your company. Unless I hear from you by XX/XX/XXXX I will contact the CFPB and XXXX  to log my complaint. 

--

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: IN
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:
EQUIFAX SPLIT MY CREDIT REPORT INTO 3 RESPECTIVELY!
<P/>
TO KEEP THE 3 FILES COMBINNED THEY SUSPEND 3 ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED ) 1 ) .CONFIRMATION NO.  XXXX   DATED  XX/XX/2016 -STATUS PENDING 2 ) .CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT EQUIFAX IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received ads in the mail suggesting a refinance with no cash out, no fees, no appraisal or credit checkroom my mortgage company. I applied for a refi to lower my interest rate with no cash out with Amerisave Mortgage who now is already the holder of my original mortgage. After signing the initial paper work that was all done electronically, I get a phone call from XXXX XXXX who ask me for a payment of {$390.00} in order to continue the process. I question why he was asking for money when I was not supposed to be imposed any fees. He stated it was not a fee just a something they do at this point in the process and that it would be returned to me in the form of a check. He assured me that this money was not a fee and would be refunded. Reluctantly I continued to ask him to explain and he repeated that this was not a fee and refundable and that they do this all the time. So I paid the ( no fee ) and thought about it for a couple of days and just did not feel they were being honest and I could not find mention of this fee in any of the paper work I had signed and as well why did he ask for the money over the phone when everything else had been handled electronically. I sent them an e-mail asking that the process be ended and to refund my money. A week later XXXX XXXX called and said that they would not refund my money for it was only refunded only at closing. Therefore I appeal to the CFPB for assistance in what I feel is fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed an account with Experian, the account was reported by XXXX XXXX XXXX for {$840.00}. Experian sent me a result stating that this account was removed from my report, but it was not. I called Experian trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by XXXX XXXX XXXX. This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why Experian first concluded it's investigation with a result of removal and then changed it to updated?

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 2022-09-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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

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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was an authorized user on my mother 's XXXX XXXX XXXX XXXX ( partial account number XXXX ). My name was removed from this card. I never made any charges on this card. I disputed this with Trans Union and they left it on my file. I contacted XXXX and they said that my name was removed and the credit bureaus must remove the item through the dispute process. 

I disputed this again with Trans Union and they only added : " Relationship Terminated '' in the ECOA field. This is a violation of my federal rights. All credit bureaus have removed authorized user accounts when the AU 's name is removed from the account for the last 30 years. Why am I being discriminated against on this particular account. 

If my " relationship '' has been terminated and I was never contractually liable in the first place, the account should not be on the file. I want this removed from my Trans Union file.

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 2022-01-05
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I dispute Shellpoint reporting of the above loan as late to the credit bureaus starting with the month of XXXX, XXXX and XX/XX/2021. Shellpoint contends that the protections of the CARES Act expired XX/XX/2021, if the loan was not in active forbearance and would therefore be reported as delinquent. Shellpoint has NOT addressed the fact that I entered a repayment plan prior to the expiration of my forbearance plan and have made all payments according to the schedule set out in my agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation