BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX 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 719XXXX 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 XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never signed any paperwork with this company stating that I promised 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 2021-03-20
Company: SUNRISE CREDIT SERVICES, INC
State: IL
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:
I contacted the creditor that was listed on my credit report to inform the company that this account doesn't belong me, nor have I authorized anyone to use my information for the account.

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 2021-03-20
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
There are chapter 13 bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX XXXX and Equifax regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form S3 registration statement, ( b ) Federal Reserve form 424 ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR 2046 balance sheet ( s ), ( d ) Federal Reserve form FR 2049 balance sheet ( s ), ( e ) Federal Reserve form 2099 balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Tax lien has incorrect amount report and this has paid in full. I also talked to the courts and they do n't report anything to the credit agencies. I would like this to be removed from my Equifax and XXXX credit files. Agencies keep saying verified after one day of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed account without notification other than mailings. 

Letter dated XXXX XX/XX/2021. I had already received notification of closed accounts and numbers, this was in addition to. 

Questioned fraud and disputed unauthorized transactions following XXXX  to this account.

Several attempts made via phone to fraud dept., disconnected, no service.

Noticed differentiation in headers of two mailings.

Suspect fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX, XXXX. XXXX Unverified Account XXXX XXXX XXXXK XXXX Unverified Account XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Unverified Account Phone # : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched XXXX  Dispute Regarding USAA requesting USAA VERIFY THE ACCURACY OF INFORMATION DISPUTED. see attatched United States Postal Inspector Service CRIMINAL INVESTIGATIONS SERVICE CENTER USPS DELIVERIES NOT DELIVERED. ZIP XXXX FROM XX/XX/XXXX THRU XX/XX/XXXX DATED XX/XX/XXXX. 
USAA Refuses to Provide Original Written *Signature ( Delivery Accepted Picked Up at Post Office ) or * ( Delivered Into My Hands ) per my agreement with merchants. USAA BY LAW MUST VERIFY WITH WRITTEN DOCUMENTATION USAA COLLECTS ON ID THEFT. USAA DOES NOT REPORT ACCURATE CREDIT INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: NY
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 found recently out a few weeks ago and today that I am a victim of Equifax data breach in XXXX and that I had until XX/XX/XXXX to opt out of the Equifax Data Breach Class action suit which would allow me to seek a civil lawsuit against EqFx in the future for any adverse effects I suffer in the future as a result of the data breach. This is not fair since, I did not get properly notified in XXXX since in XXXX I was preoccupied with NYS accussing me of back taxes I owed them. Then in XX/XX/XXXX, I discovered that XXXX has violated my right to equal protection under the law as an adult victim of child abuse neglect and maltreatment nonsexual child victimization through it's XX/XX/XXXX Child Victims Act exclusive protections for XXXXXXXX XXXX XXXX XXXXictimization only. At these XXXX times, I never received any notice in the mail concerning any data breach in XXXX nor any deadlines to opt out by XX/XX/XXXX. So I wish to make a complaint to the CFPB about this since I am experiencing XXXX eqfx data breach adverse events while trying to utilize eqfx services per my credit report file with eqfx and eqfx id questions are not questions i am familiar with due to the corruptive nature of it's data breach and misinformation which eqfx is relying upon to verify my id whether over the phone or it's website in order for eqfx to provide me credit services which is normally free for all us citizens. So now, eqfx gets to double victimize me both in the data breach which eqfx didn't protect me from being victimized from and now after the fact, eqfx refuses to let me opt out of the class action suit by failing to properly notify me of the opt out deadline so I can choose to opt out and bring a legal suit against eqfx to help deal with future losses I will face in credit discrimination as a result of the XXXX eqfx data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. 

Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/XX/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 2016-08-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2018 I financed loan with XXXX XXXX a total of {$1900.00}, unfortunately I lost my job and got pregnant. My XXXX has been very hard for me and could not go to work, due to complications, such as ; stationary XXXX, XXXX XXXX XXXX, excruciating XXXX XXXX and XXXX. My husband talked to them on several occasions to be patient with us and explained the situation about my illness and my expired residential card which I need to find a job. This item also has a cost of over {$500.00}. They said that they would take the next step, which is a lawsuit. A constable dropped off a card with the case number and left it on the windshield of one of our vehicles. No papers were served. My husband called to find out what was going on and the person on the phone said that papers were to be served and that was the procedures XXXX XXXX takes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have 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. Please resolve this manner as soon as possible. Thank you.

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 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently looked at my credit report ( TransUnion, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

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 2018-06-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A company named XXXX has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that Ace does not do business with XXXX and they only collect payments at ACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$32000.00} was taken from my account via several unapproved transactions, and are denying the claim. My XXXX XXXX  account experienced the same fraudulent attacks, but they reimbursed me. 

This was my savings, and now I am left with nothing.

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( XXXX ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

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 2022-04-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2021 Medical Data Systems {$310.00} I do not even know this company I never received anything on this bill I have tried to get in touch with the credit bureau about this I have not heard anything. and why would they send my personal information to struggle and not to me I do not understand. for whatever reason my insurance never paid it should have been sent to me are noticed me of the charges. I feel like my rights has been it violated the bill was sent in to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$5000.00} credit card payment directly from my Synovus bank account. The payment was not applied, nor is the money in my account. The {$5000.00} just disappeared. I informed the bank and they stated that they were having an issue with the system and assured me that the problem would be fixed. Well, it has been 3 days and the money is still missing. I asked them to reverse the transaction, and they stated that they could not do it. So now I am out of {$5000.00} with no sign of recovering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made repeated attempts to inform Berks Credit & Collections that the account that it repeatedly reports as delinquent on my credit report is not my account. I have contacted the originator of the account and was unable to receive any form of documentation that the account is my reponsibility

Company response to consumer: Closed with explanation