BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In reference to CFPB Complaint # XXXX, Credit Bureau Systems ' Compliance Director, XXXX XXXX , just admitted to violating my rights and Federal law since XXXX 

I have requested verification of this alleged debt, which she has failed to provide within the 30 days allowed under Federal law or in the past XXXX years. 

I have requested documentation with my signature on it, none has been provided within the 30 days allowed under Federal law or in the past XXXX years. 

Written notification was never provided letting me know that this alleged debt was in collections or going to be placed on my consumer reports in XXXX  or in the past XXXX years. 

So as I previously stated, XXXX and XXXX XXXX have violated my rights and Federal law and have done so for the past XXXX XXXX 

This is how things are done at XXXX. It's part of their Standard Operating Procedures to willfully and continually violate Federal law and peoples ' rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account XXXX XXXX XXXXXXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}

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 2021-11-25
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX  days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2021-11-25
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
Company reported account on my record more than XXXX times. Also account was removed due to fraud XX/XX/2021. Company ( Navy Federal Credit Union ) stated I made a payment which I never did & re entered account in my credit on XX/XX/2021. Contact them to ask questions in pertain to them reporting same account more than once in my credit. They stated that Told me that my Checking acct was closed and that I needed to make a {$10.00} payment to close It out and open another one. This is the way they are getting ppl. Regardless of the info provided to me by them, I still didn't make the payment due to it sounding off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : FST XXXX {$0.00} XXXX-Balance {$3000.00} XXXXBalance {$350.00} XXXX {$12000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$1400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) -XXXXBalance {$1400.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX*-Balance {$1400.00} XXXX XXXX****-Balance {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022, and without warning this company sold my current loan to a debt collector. My loan was not overdue so there was absolutely no reason for it to go into collections. Now I have no way to pay off this loan because the debt collector is refusing to collect payment. In fact, they claim they know nothing of my account or seedfi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 Wire Transferred to XXXX Total {$2000.00} As per bank, it said : DEBIT AUTHORIZATION DENIED BY CREDITING PARTY AS FUNDS CAN NOT BE RECOVERED FOR RETURN. ACCOUNT BLOCKED FOR FRAUDULENT ACTIVITY. THIS CASE IS NOW CLOSED. 

XX/XX/2022 Wire Transferred to XXXX Total {$30000.00} XX/XX/2022 Wire Transferred to XXXX Total {$28000.00} XX/XX/2022 Wire Transferred to XXXX Total {$10000.00} XX/XX/2022 Wire Transferred to XXXX Total {$40000.00} XX/XX/2022 Wire Transferred to XXXX Total {$20000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to XXXX Total {$5000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update.

We hope this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Billing dispute for services

Complaint:
XXXX XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX $ I had a card from XXXX XXXXXXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX Bank for XXXX Card which I disputed because I paid the card off completely 4 months ago and it's showing XXXX  XXXX cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of Massachusetts opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.

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 2021-11-25
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have a mortgage with US BANK. 

I exhausted my covid mortgage forbearance on XX/XX/2021. 

I started contacting the mortgage company in the middle of XXXX around the XXXX of 2021 to see what covid exit forbearance programs I qualified for. 

I was informed I qualified for XXXX types of exit programs they offered. I selected the " Partial claim with XXXX XXXX '' program as this option best suited my situation. I accepted the terms and conditions via telephone with customer service and was told they would send me the loan modification application packet with the agreed upon terms and conditions for me to accept, notarize and mail back. 

Since then I have followed up with them every 2 weeks to confirm status of my application. Every time I call back they seem to not have a clue as to what I am referring to. They continue to close my application WITH NO NOTICE OR REASON GIVEN TO ME VIA MAIL, PHONE OR EMAIL. 

Every time I call back they are not able to give me a reason or explanation. So they have me reapply and go through the same process each time. 

This has happened to me 4 times already as of XX/XX/2021. 

The mortgage company is US BANK. 
The number I call for mortgage customer service is ( XXXX XXXX XXXX ) The most recent phone call was on XX/XX/XXXX. I called ( XXXX XXXX XXXX XXXX ) which is suppose to be a direct mortgage relationship phone number. 

I have been very stressed and am sincerely doing everything right to ensure I do not lose my home my resuming payment. There careless actions suggest this negligence is being done purposely. 

Today XX/XX/XXXX I received a letter of default mentioning next step is foreclosure. = (

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 2021-11-25
Company: GOLDMAN SACHS BANK USA
State: MA
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: Billing dispute for services

Complaint:
XXXX  XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX XXXX I had a card from XXXX XXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX XXXX for Apple Card which I disputed because I paid the card off completely 4  months ago and it's showing two Apple cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX purchased home through Countrywide with a negative amortization first and second. They went out of business and Bank of America took over the loan without the option of converting the loan. 
We continually paid $ XXXXmo in mortgage payments ( verifiable on BofA 's letterhead spreadsheet until XXXX ). 12 years = $ XXXX. BofA still foreclosed on our home. 

BofA never took a loss on our home. They sold it 3 times and made a profit each time. 

There are previous complaints filed to the CFPB regarding this after all attempts to prevent foreclosure : Make Home Affordable, Project Sentinel, letters to the former Chiefs of Staff.

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 2021-10-02
Company: DISCOVER BANK
State: MO
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:
Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trident Asset Management collection agency has been reporting a debt of {$750.00} OPEN, which the original creditor XXXX XXXX acct # XXXX Was opened XX/XX/2018, has been paid/closed/ written off, with a balance of XXXX. Their incorrect reporting practices has affected me adversely. Their actions are not in compliance with the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I contacted TransUnion about a collection from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$140.00}, which is an account I don't have knowledge of. TransUnion ignored my request for investigation and don't even answer to any of the letters is sent ( dated : XX/XX/XXXX, XX/XX/XXXX ) which are attached.I know my right and I know that by the curent law they have to complete their investigation in 30 days and if requested they have to provide method of verification. They failed both.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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