BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
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: 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 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( 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 809b 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 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. SpendingXX/XX/XXXX 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
I took a personal loan out through One Main Financial. My car was used as collateral in the loan and One Main Financial bought out my loan I originally had with XXXX XXXX. In XXXX of 2022, I had a car accident and totaled my car that was connected to the loan. One Main Financial had trouble getting my title and would not provide a letter of guarantee for the loan to be paid by insurance. One Main Financial was aware of the total loss accident and still reported my payments for the car delinquent for the months of XXXX, XXXX, And XXXX. The payments were not delinquent as I waited on the pending insurance claim. I have discussed this issue with One Main Financial with no results. I disputed the problem through the credit bureaus but still no resolution. One Main Financial collections kept contacting me after I have noted that the there was a pending insurance claim. 
The account was finally settled with One Main Financial with a payment of {$8400.00} in XXXX 2022. One Main Financial updated the balance on my credit report, however the balance is incorrect. One Main Financial also has not updated the account to be settled on my credit report. I am unable to get a vehicle with these negative remarks on my credit. I need this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested, and on numerous occasions - a Do Not contact and from this debt collector.

I am reliant on a Do NOT Contact description from FDCPA.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the cons
umer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. 

The CFPB has them as well. 

I have also - never, asked for a XXXX. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. 

Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. 

The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. 

You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. 

The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. 

At some point, the actual penalties will be real - and outweigh your actions. 

We are at the cusp, remember there is a class of people. 

Do not contact any one for anything.

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 2022-09-22
Company: EQUIFAX, INC.
State: PA
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 seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-06-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report 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 2022-06-08
Company: EQUIFAX, INC.
State: NY
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 contacted equifax, XXXX and XXXX XXXX XXXX times over the past 6 months to correct errors on my report. According to FCRA of 1970, 15 USC 1681-1681u I have a right to dispute and see HOW a agency VALIDATES the information. To date all three companies report these 4 accounts as verified and meets FCRA requirements. Yet not one will answer how they validated these accounts. Using the e-Oscar system is not a accurate way of verifying being the law states there must be a signed contract showing the consumer owes the debt in question. Because of three attempts to no proper correction I am now requesting the information to be IMMEDIATELY removed. 
The XXXX charged off accounts in question are : 1. XXXX XXXX XXXX reports co for past 2 years, no 1sXXXX delinquency date ; XXXX shows XXXX in payment history with last payment on XX/XX/XXXX ; equifax shows lates over past two years but XXXX in history and last payment date of XX/XX/XXXX. 
2. XXXX XXXX equifax shows XXXX lates despite showing XXXX and last payment on XX/XX/XXXX ; XXXX shows no lates XXXX with last payment XX/XX/XXXX ; XXXX shows this account in co since XX/XX/XXXX with no last payment date. 
3. XXXX XXXX XXXX shows 30 day late as of XX/XX/XXXX, XXXX shows last payment on XX/XX/XXXX and XXXX ; while equifax shows 100 % payment history with last payment XX/XX/XXXX. 
4. XXXX XXXX equifax reports 100 % on time payments with last payment XX/XX/XXXX ; XXXX shows XXXX XXXX history and last payment XX/XX/XXXX ; XXXX shows 3 day late in XX/XX/XXXX. 

These XXXX accounts showing different data violates my rights as a consumer when it comes to fair and accurate data. I asked three times how they validated these XXXX accounts to being ignored. I am now asking for them to be REMOVED. 

I am attaching copies of the last correspondence I sent, despite it saying XXXX each company received same letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Truist Bank and ever since then it's been a complete nightmare trying to set up an online account to pay my monthly mortgage payment on time. The website is unable to find my loan and continually says the service is unavailable. Trying to call Truist just leads me to a never ending cycle of waiting to be connected to a customer service representative ( 20+ minutes at least every time ), the customer service representative offering to connect me to tech support and then being placed on hold and being transferred back to the main menu instead of tech support. I have wasted literal HOURS on this and there is no solution or end in sight. Is this company run by a bunch of mice in a trench coat? Because I could not imagine an actual human being running a company so incompetently.

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 2022-07-02
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
So I got scammed by a company that hired me. They deposited a check into my account that was fraudulent and the fraud department terminated my account even though I was not the one that deposited it. It was deposited on XX/XX/2022 and I do not know the amount because I was unable to see it due to them already locking my account from me. It was seen as a high risk and I could no longer bank with 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 explanation
Consumer complaint received 2023-11-19
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My mail address was changed XX/XX/XXXX. The servicer I have now is not the original loan holder. They have my email and phone number to verify info. 
My bill for XX/XX/XXXX was received 2 weeks late. My bill for XXXX was received several weeks late. I also questioned the rep about part of loan being forgiven due to attending the XXXX XXXX XXXX. They stated I was still responsible for paying the bill on time even though they never contacted my email and just kept sending invoices to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX  store credit card run through Commenity bank. My bill is due the XXXX of every month that I make purchases. Its so rare that I dont have autopay set up and I prefer to physically go in and pay the bill. I went in on XX/XX/2022 and saw this big red message about a system update failure and to try their new easy pay system. It claims you dont need a login to pay bills and such. Well that didnt even work. So then I try to login regularly, didnt work. I tried calling and then got an automated message about the system update, using easy pay, and then all staff are busy please call at a later time followed by a hangup. Want to chat with someone online? Have to login to do that. Their owner company is Bread XXXX. Called them. Same exact automated message. Thats when I went to XXXX. And found all threads through XXXX and all the consumers having the exact same problem. Heres the thing : at this time, they were only claiming to waive late fees if your payment was due XX/XX/XXXX & XXXX. That did me no good with a XX/XX/XXXX payment. They kept advising to call or make a payment with easy pay, neither of which work. A lot of speculation regarding a hack vs a system update. Regardless, they needed better communication. It wasnt until today, XX/XX/XXXX, that they said payments through XXXX XXXX will have waived late fees and wont effect your credit. Thats too late. They have not communicated effectively with what has gone on. Its effected consumers, retailers, and average creditors. When it comes to my finances I deserve to know exactly what has happened and to lose all capabilities for more than a week, during the time most bills are due, is too suspicious. And I know that if it was a system upgrade, there is way to default to the old system should the new one not work properly - just to keep things running. Im considering cancelling my credit card simply because I no longer trust this bank to handle it.

Company response to consumer: Closed with monetary relief