BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX 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 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
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 non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
under 15 us code 1681b permissable purpose of consumer reports I never gave transunion, XXXX and XXXX  any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

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 explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I 'm am unable to update my score and report as per my product to soft pull my report on equifax. I have called numerous times and it is fixed for a short period and then again has to be escalated to technical support so it " does n't happen again ''. I 'm on the phone for 1 hour each time and ran in circles. My creditors are unable to soft pull current information, the only information they can soft pull is from the last time my report was able to be updated. I 'm unsure of what information would be pulled during a hard pull. The supervisor I spoke to said that this is n't a new problem and they are aware of the issue. It is also frustrating to try and understand the representatives as they do n't speak very good English. I think this problem goes beyond paying for a service that does n't consistently work. It is my credit and they are put in charge of keeping accurate information for my creditors. I 'm concerned that if they ca n't get updated information that this will have a negative effect on my credit standings. I do n't have the same issues with my credit monitoring from XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Their investigation did not fix an error on your report

Complaint:
I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
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 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-07-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am having significant problems with Bread Financial/Comenity Bank XXXX I have been trying for about XXXX weeks now to make payments on my XXXX Credit Card and XXXX XXXX cards. They keep saying online that you can make payments by XXXX XXXX or by phone. Neither are working. I can't reach anyone on the phone and since the XXXX account was always online ( I never got a credit card ) I can't even go to a physical store to try to make payment. They " say '' no fees will be charged but that is not what I am hearing from other consumers who are getting charged additional interest, late fees and credit reports due to this outage. No indication of when services will be restored so payments can be made again. On My XXXX card which has a balance, they keep telling me that either there is a " glitch '' or that the account is closed and on the XXXX card that there is a " glitch ''. I can not reach XXXX person on the phone either!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: Social Finance, 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 status incorrect

Complaint:
We have had a personal loan through Sofi for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from Sofi. We feel that our request is reasonable but Sofi is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX XXXX requested that we request validation of his alleged debt with Capital Accounts that appeared on his credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Capital Accounts failed to validate XXXX XXXX ' alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.

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 2019-11-26
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019, AFNI INC, caused my phone to ring attempting to collect an alleged debt. 
The prerecorded greeting states they AFNI is a debt collection agency and they are actively attempting to collect a debt. It further went on stating all information collected during the phone call will be used to collect alleged debt. 
When the male associate picked up, he immediately assumed my identity. His first words were " XXXX   XXXX? '' The associates I spoke with did not identify themselves, I had to ask them for their names repeatedly. 
I do not have any CONSUMER INITIATED accounts open with AFNI INC . 
XXXX, the second associate of AFNI that I spoke with, informed me that they collected my information from the XXXX XXXX data base, but she would not disclose any information on the alleged debt. She stated she can not give me any information without me first verifying my personal information such as my current address. XXXX also informed me that I did not sign any release of information or any contract with AFNI, that they are a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Bread Financial 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:
XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU COPY : XXXX XXXX XXXX FROM : XXXX XXXX XXXX   RE : COMPLAINT AGAINST XXXX XXXX, ACCT : XXXX. 
XXXX Account Ending XXXX This is a second complaint against XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX, who CONTINUES to report the Charge Off on my credit report incorrectly. ( See Their Letter dated XX/XX/XXXX ) My credit card account with XXXX was unfortunately first reported as a charge off XX/XX/XXXX due to the death of my husband. This is correct. My final payment was made to XXXX XXXX XXXX, XX/XX/XXXX and the account was closed. However, in several letters written to XXXX XXXX XXXX, I asked if they would simply report that the account was paid in full rather than paid for less than the full balance, for I paid them {$4000.00}. in cash and they also reported the total amount to my income tax. This I thought should have resulted in the wording of Charge Off, PAID IN FULL. Instead of making this correction or explaining their rationale, XXXX XXXX responded punitively and changed the First Reporting date, the Charge Off date and the Date of Status as indicated below and in attachments : # 1 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX Date of Status XX/XX/XXXX # 2 Date of Credit Report XX/XX/XXXX Same Same Same After Letters of Dispute, the First Report Date, Charge Off/Closed Date & Date of Status were CHANGED to : # 3 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX & XX/XX/XXXX Date of Status XX/XX/XXXX # 4 Date of Credit Report XX/XX/XXXX Same Same Same # 5 Date of Credit Report XX/XX/XXXX Same Charge Off XX/XX/XXXX Same It is clear that XXXX XXXX XXXX responded punitively after my request for them to change their wording to Charge Off, Paid in Full. They changed the First Report Date from XX/XX/XXXX to XX/XX/XXXX! The First Report Date is not a variable in reporting facts. Likewise, how can one change the Charge Off Date, XX/XX/XXXX to two  different dates of XX/XX/XXXX and XX/XX/XXXX as well as the Date of Status to XX/XX/XXXX, and then after a second complaint change to one Charge Off date of XX/XX/XXXX. The Charge Off was paid in full and closed XX/XX/XXXX. This should be the charge off date forever as well as the Date of Status forever. Any other change of dates is fraudulent facts. 

There is quite obviously something fraudulent in XXXX XXXX XXXX facts and figures. I am registering this complaint for their failure to correct after three requests & disputes. See their letters XX/XX/XXXX & XX/XX/XXXX, restating their position to support their fraudulent facts. 

4 Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, 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:
I am filing a complaint because XXXX, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX. 2018 we received a letter from SunTrust Mortgage stating our account was past due.

We found this to be strange as we have automatic payments and the money was taken from our account.

My spouse called SunTrust the same day and the representative said that we are not in arrears and the mistake was theirs. My wife asked for a letter to that effect and was told their was no need for a letter and not to worry. 
On XX/XX/2018 we received another letter about the delinquency of our mortgage and that it is a serious matter. I called SunTrust on XX/XX/2018 and was told that the letter was automatically generated do to the glitch in their system and to ignore it. i stated that i could not ignore the problem and would like a letter stating that we were not at fault, in case the problem arose in the future. I was told to call their customer service at XXXX. 
i called that number and was told that they were a different company not affiliated with SunTrust. 
We are beginning to suspect this a scam and would like help in obtaining written acknowledgment from Suntrust.

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 2022-07-07
Company: EQUIFAX, 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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I transferred ( by way of XXXX XXXX, through Capital One 360 ) {$1100.00} to a XXXX  XXXX XXXX account. Within minutes, I received an email notification stating that the funds were sent and that the said funds would be available immediately by the receiver. They were never received. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX and advised of the problem, she advised it would be " researched ''. I received no response back from XXXX. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX, XXXX, and XXXX, in which they all insisted that the money was transferred and that they could do nothing, but that it was " being researched '' and to contact XXXX XXXX XXXX to have the funds released. By XX/XX/XXXX, the recipient still did not have the {$1100.00} in their account, had confirmed that their email address and cell phone # with XXXX XXXX XXXX ( how funds are transferred with the XXXX XXXX  XXXX  ) was correct, and that no funds had been received from Capital One 360 and no funds were on hold. I ( again ) called Capital One 360 ( XXXX ) and spoke with XXXX, whom again, could do nothing for me and advised that this was ( again ) " being researched ''. On XX/XX/XXXX, I received an email from an XXXX stating that " we are researching '' and yet still NO RESOLVE. By XX/XX/XXXX, I still had not received the funds back to my account and the recipient had not received the funds, so I called Capital One 360 ( XXXX ) and spoke with XXXX out of Delaware ( ID # XXXX ), who stated was " part of the management team ''. He was arrogant, dismissive, and provided zero assistance. He also stated that there was " NO CASE # assigned to my issue ''. I tried to file a " claim '' on my money, in which i was advised would take " more research ''. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX. Still NO RESOLVE AND NO MONEY BACK INTO MY ACCOUNT. It is now XX/XX/XXXX, and I have yet to hear back from the " management team '', have not received any additional emails of resolve and still do not have the funds back in my account. Please be advised that this is MY CHECKING ACCOUNT, not borrowed money, not a loan, but MY MONEY. CEO, XXXX XXXX needs to be THE person to contact me, advising me that the money WILL BE in my account today!

Company response to consumer: Closed with explanation