BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be 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 2022-04-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I requested debt validation from trans world Systems Inc. On XXXX XXXX Transworld Systems Inc responded to the debt validation with a statement disclosing my diagnosis which is a HIPAA violation as I did not authorize for my medical records to be released to Transworld Systems . What I requested was a copy of the contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 I wrote Letters to all three credit bureaus telling them that my personal information has incorrect addresses phone numbers and names I even seen my little sisters name listed on my credit report. I told them to remove and I gave a list of my correct addresses name phone and phone number and the information is still listed as accurate and mine also the ssi numbers are wrong I am being ignored and need help with this investigation I didnt give them consent to put that information out there

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 2022-10-25
Company: Prosper Marketplace, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was shopping for a new loan with a better interest rate. While navigating on line, Prosper XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called Prosper XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around. 
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.

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 2022-04-28
Company: EQUIFAX, INC.
State: AL
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:
From XXXX, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are two different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on equifax. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax credit reporting agency is merging my brother  XXXX   XXXX  Personal information with mine we do not live together and never have i have asked them to remove it and they have but then  XXXX  keeps adding it on there. I have also sent over several documentation for them to remove information on my account such as previous employers, addresses, and name that i have never used. I have sent over certified documents they received  XXXX   XXXX  to validate 2 accounts that do not belong to me yet they are reporting it to my credit report and also  6  inquires i have asked for them to remove. Equifax is violating the FCRA act and they are not validating accounts they are just adding them to my account without proper authoriztion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America has furnished data to the credit bureaus that is inaccurate. Specifically Bank of America is reporting that I have a delinquency ( late payment ) for XX/XX/XXXX fro account ending in XXXX. I have been in constant communication with Bank of America. On multiple occasions, Bank of America advised that that the delinquency would be removed because the bank agreed that the data was inaccurate. On XX/XX/XXXX Bank of America sent me a letter advising that the credit report would be updated. That never happened. I hired a lawyer she wrote to the three bureaus requesting that they update credit reports to show no late payments. That also never happened. I have confirmed with Bank of America that their consumer dispute department agrees that I was never late on this account. Despite this Bank of America has failed to properly advise the three credit bureaus. 

The XX/XX/XXXX late payment data furnished by Bank of America is not accurate and must be corrected.

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 2020-03-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In a previous complaint about Equifax they responded and said the accounts were removed and not reporting. That was false and the accounts are still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I applied for a free credit report on Experian 's web site and was charged  XXXX  a month instead. This is what the page says : When you order today, you 'll get : Free Experian Credit Report Report Refreshed Every 30 Days on Sign In Toll-Free Support Available 7 Days a Week Experia n Credit Mo nitoring Alerts FREE Completely Free and Easy Experian agreed to refund my current month 's charges, but NOT the charges from the month prior, for which they sent NO email, invoice, or any record that I was being charged. I only discovered it on my credit card statement, which of course reflected the PAST month 's charge. This is a trick. My credit card refunded my money, but I do n't want others to be duped by this unethical practice.

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 2019-08-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received communications from the IRS showing that I owed taxes on a debt discharge of {$3900.00}, and received a Synchrony Bank tax form 1099-C for the year XXXX showing that same amount. 

However, I paid a total sum of {$2400.00} as full and final settlement of Cause No. XXXX to the plaintiff XXXX XXXX XXXX, XXXX, Assignee of Synchrony Bank ( XXXX XXXX ). 

As a result of that payment of part of the debt, the final amount that should have been discharged by XXXX is {$1500.00}. 

I sent Synchrony all supporting documentation on XX/XX/XXXX and they haven't updated the 1099-C or submitted it to the IRS. I am receiving intense letters from the IRS stating I owe almost {$900.00} in taxes for that full discharged amount of {$3900.00}. 

I have provided the documentation of the debt settlement agreement and the actual settlement of 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 2022-07-05
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:
There has been an incorrect fraudulent balance on an old XX/XX/XXXX account the balance is supposedto be XXXX and permanantly removed from collections. The account got hacked since my socialsecurity and id got compromised and some fraudulent charges were made in the amount of {$2700.00}. I have over 100 hours on the phone with the company and they continue to be non-compliant in helping a customer resolve the matter. This need to be removed immediately as i will not be responsible for charges i did not consent to. And also they have the wrong address on 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 explanation
Consumer complaint received 2019-12-16
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: Information belongs to someone else

Complaint:
sent affidavit of the issues caused by the data breach please correct the inaccurate information 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 2019-12-16
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DEAR PAUL MICHAEL MARKETING SERVICE, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX PARTIAL ACCOUNT # XXXX PLACED IN COLLECTION : XX/XX/2016 BALANCE {$900.00} SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$500.00} prepaid visa gift card ending in XXXX and used it to make a purchase at XXXX, a grocery store. However, when I returned the item from XXXX and was refunded, the cashier mistakenly refunded me {$.00} XXXX XXXX cents XXXX more than the original purchase amount. Although the refund was processed, my card was shut down because of the trivial discrepancy and I was forced to call Incomm customer service because my funds were frozen, and I could not buy food or pay for gas with my card. 
Incomm customer service told me to send them a photo of my original return receipt via email, as that is the only document I have. I sent that email days ago, without any response. I have just called Incomm customer service twice again today, and both times I was put on hold and then hung up on. This is absolutely inappropriate and no way to treat a customer or a human being. I am filing this report because as of now, Incomm has stolen {$500.00} from me and is unwilling to respond to my submitted documents. I even used the referenced case number in my email, but despite going the extra mile, I still have not gotten my money back. Incomm has obstructed my attempts to resolve the matter with them directly and has been completely evasive and disrespectful. This is clearly fraudulent activity and I demand my cards full balance reinstated and the card re-activated for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sequium is an LLC in Georgia that is essentially a credit pirate. Back in XXXX they showed up on my credit report as a delinquent account. Upon contacting them I found out that I owed {$1100.00} on my XXXX XXXX  account that was overdue. Sequium said that they had been contracted by XXXX XXXX XXXX to collect. The funny thing is that Ive never had an XXXX & T account. 

I contacted XXXX XXXX XXXX and according to the account representative I spoke with, they do not do business with Sequium. Ive contacted Sequium numeros times. You can not reach a manager of any type. Additionally, their representatives are clearly trained to say anything to get a payment out of you. One rep I spoke to said to me Look, whether or not this is your bill, for {$1100.00} I can get this delinquency off your credit report. 

Clearly Sequium is not only an illegitimate business, but an illegal business - willfully and knowingly breaking many state and federal lays

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Rewards

Complaint:
In  XXXX  of   XXXX  , I applied for and was approved for an  XXXX  branded credit card issues by US Bank. The promotional terms were  XXXX   XXXX   XXXX   XXXX  points after my first purchase. The terms or my satisfaction of them have never been disputed by US Bank. However, I have never received the points in my  XXXX   XXXX  Account  (  #  XXXX   ) . I have called every  six  weeks since  XXXX  to resolve this issue. I call  US  Bank and they say to call  XXXX   XXXX .  XXXX   XXXX  reports they never received the miles. US Banks tells me to wait. On my last call, I was told by US Bank that after a new statement was generated they points would transfer, as they were " pending. '' I did so and the points from the new statement did transfer, but not the  XXXX  points I was still due. Upon my most recent call, the supervisor at  US  Bank refused any responsibility for resolving the situation and made a number of spurious legal claims about the situation, and did not recognize the " pending '' issue claimed by the previous representative.  XXXX  still says they never received the miles. I have attached all the relative documents detailing the transactions and the discrepancies. It is US Bank 's responsibility to resolve the situation, not  XXXX , per the terms of the promotion agreement and my satisfaction of them.

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 2019-12-16
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: Old information reappears or never goes away

Complaint:
EQUIFAX ALLOWED XXXX XXXX LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sir/Madam, Please consider my English is not good, before start. I was a client of Bank of America for the past about three years. I 've been In XXXX since XX/XX/XXXX, and I am not going to return to the US. So, I called XX/XX/XXXX, to close my account ( XXXX ), and XXXX? told me that she would send a check of my money in the account {$21000.00}. However, I have not received a check, and I called and talked with XXXX? XX/XX/XXXX. I called and talked with XXXX? on XX/XX/XXXX. I finally received a check, however, I could not cash the check because it was not passed through the customs of XXXX. So, I talked on XX/XX/XXXX with XXXX?. I asked the check should be sent via XXXX or XXXX which should be marked on the envelope enclosing a check to pass the customs. XXXX accept my asking that she would handle that should be sent via XXXX. To confirm the process, the call was transferred to a XXXX translator of the XXXX?, she was so rude. She refused to send the check via XXXX and hung up my call. I had to call again and talked with a manager, XXXX, she confirmed to send it via XXXX, and she said that the case would be closed with the numbere XXXX. I also got a mail saying the case was closed with the number. Unfortunately, I have not yet received the check via XXXX. It may not a big money to the company, but it is a big money to me now. Whenever I call to BOA customer 's service, It is very hard to talk with because my account has already been closed. So, whenever the automatic calling system asks my account number it is not working with my old closed account number. Please review my case and handle the case as soon as possible.

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 2017-04-21
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This company filed a lawsuit, and gained a judgement. Following that they sought a garnishment of my wife 's wages. They never served her with paperwork and have no proof of service as is required by SD codified laws.     http : //sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?  Type=Statute & Statute=21-18-11  They incorrectly served ONLY her place of employment and illegally had more than   XXXX   % of her disposable income taken from her check to the amount of approx. {$700 .00}. This is illegal on more than one  level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 information incorrect

Complaint:
This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
please note that in XXXX I was granted a loan modification for my loan of aprox {>= $1,000,000} at a rate of 2 % interest only. the payments were very comfortable for us to make. at {$4500.00} per month including tax and insurance. our taxes are low as we owned our home since XXXX However the loan modification was only for 2years and we were still trying to get back on our feet when the lender increased our monthly mtg payment from {$4500.00} to {$12000.00} per month. OVER THREE TIMES THE AMOUNT. we were unable to make these payments and we again applied for a loan modification. 

after almost 7months the lender nationstar who now goes by Mr cooper approved us for loan modification however the amount monthly was still {$12000.00} which is three times what we were paying. 
we were told by the representative that if we did not accept it we would be foreclosed upon. so we made three trial payments but it was very hard for us and then we could not pay more. we were approved again but we told the lender that the payments being three times the original amount were just too high. 

now we are told that we have to short sale or be foreclosed upon. please provide us with any information to help us save our home Thank you XXXX

Company response to consumer: Closed with explanation