BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-08-12
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
applied for refi mortgage on XX/XX/XXXX my home is a manufactured home, company said that w.as not a problem went thru credit income verifaction all was ok then they did appraisel value to loan ratio was ok three months later they wanted a building permit for my finished basement that included a in law quarters that is not metered separate the tax records list as single family the basement was finished 20 years ago then 2 weeks later they sent me a denial notice it was an unacceptal property.so they drug this out for three and a half months could not get any direct reason why other than you cant have inlaw quarters in a manufactured home not shure where that rule came from but i feel that this is a case of unfair lending practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
On XXXX, alleged debt purchaser Portfolio Recovery Associates placed a collections account on my credit report with XXXX and XXXX. I learned about this when XXXX emailed me an update. XXXX never notified me about the alleged debt or communicated with me at any time by telephone, email or letter before it reported this account as delinquent. This violated the Fair Debt Collections Practices Act ( CFPB Amendment to Regulation F, effective XXXX ). On XXXX, I filed disputes with the credit reporting agencies, and I called XXXX to request the account be removed from my credit report. To date, XXXX refuses to remove it and it reported to XXXX and XXXX that this is a properly reported account, notwithstanding the 2021 Regulation F amendments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had no Idea my Discover account was closed until I checked my credit report. I haven't received notice in the mail, email, or by phone. I called to verify that the account was actual closed today ( XX/XX/2022 ) and a representative from Ohio stated it was closed. I asked for the reasoning and she stated that there wasn't one. She stated they do routine account checks and there was a business decision made to close the account. The representative could not provide any reasoning. This is odd. I never missed a payment, I do not max out my card and I over pay on it regularly. I have no idea why Discover would close my account. I would like my credit account re-opened! 

This really bothers me because I called in prior to this about a particular charge on my account that was fraudulent. Discover reversed the temp credit and deemed it valid because they said I couldn't provide anything saying that that was a refund owed to me by the company. I further explained to them that the company that scammed me would not provide me any sort of documentation like that. XXXX XXXX XXXX XXXX Discover-Told me I couldnt receive a credit because I did not have anything staying there was something owed to me. I couldn't believe this. As a consumer, you automatically are insured with your credit companies. They are supposed to make sure you are protected against fraud. I asked to speak to a supervisor. XXXX XXXX with Discover said there wasn't one available and they would give me a called back within 48hours. I never received any sort of follow up. Next thing I know, my account is closed. This seems to me like discrimination. I would like to further this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-20
Company: Superior Holdings, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When I first purchased the car, it was a XXXX XXXX within 24 hours. The transmission went bad so I purchased the XXXX  XXXX XXXX well all my payments are on time except when my account had fraud activity only 1x it was late and was 1 day late I was driving for work and was falling asleep at the wheel so I pulled over and fell asleep long story short it had got impounded and I contacted the dealership right away, they told me that I had to pay past due balance XXXX and current payment of XXXX plus XXXXXXXX XXXX of the XXXXXXXX XXXX reposes fee and half of the impound fee a total of XXXX to get my car back plus proof of insurance I went to get my car and they completely changed what they said and refused to give me my car back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is either a scam or identity theft. The debit {$600.00} is not mine. That is my name but not my phone number or phone or any other item on that fraudulent bill. 

This debt that is claimed by Convergent I immediately challenged through XXXX. The response from XXXX  was verified. This Convergent debt claim is blatant FRAUD. It is extremely concerning because they are simply creating debt out of thin air. I immediately contacted XXXX and they did not have any records that indicate this debt or any debt. Further, they added that my account was closed in XXXX in good standing. Convergent has dates for XXXX. 

Everything in the Convergent document is made up except for my name. This includes the phone number, the phone model and make, the dates, etc it is a complete fraud. 

Im not sure where to go with this, I am going to file a police report today. I have sent letters to the Federal Trade Commission, the California Office of the Attorney General, the Federal Bureau of Consumer Affairs, and the California Bureau of Consumer Affairs.

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 2021-08-12
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED LETTER THROUGH THE MAIL ADVISING OF DEBT OWED. NO VERIFICATION OF THE VALIDITY OF THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
In accordance with the Fair Credit Reporting the following accounts XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX IXXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts do not belong to me. They should not be on my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NC
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Back in XXXX I had 2 credit cards with capital one. My first card was a secure credit card that I gave XXXX to open on XXXX then in XXXX they gave me a card without any money down. In XXXX I was out of town on business and I was stranded without any money so I had my girlfriend send money to my credit card because I done it once before I just had to wait for it to show up on my card and it automatically goes through at XXXX XXXX. I was at a hotel waiting to pay for a room and there was people trying to get my room if I didn't pay so I called capital one and explained my situation and right off I could tell that the guy I talked to seemed like he hated his job and I explained that I've done this before and he said he can see that the money was there but it wasn't released yet because it was XXXX minutes to XXXX and he did not care he was to busy talking to the guy next to him thats when I asked to speak to a supervisor so he put me on hold and then a guy answered and it was the same guy he was talking to the entire time. So I asked for his name and he said they don't give out there names. At this point I was done, I told him to cancel both my accounts and I hung up. I slept in my car that night and the next morning on my way home I called corporate office to talk about what had happened and I spoke to a guy that was truly a nice guy and I think he was a GM if my memory serves me right but anyway he said that he the guy the night before had canceled my card that I paid XXXX to open but not the other one and he talked me into keeping my other one plus he did something else that was pretty cool I just can't remember what it was. Anyway so I had only one card left and 2 years later I found out that the card that I canceled was 90 days late on payment so I called them back and wanted to know why 2 years later I was dealing with this when it should have been canceled and the XXXX I put up to get it I just let capital one keep it because I was at the limit anyway so just keep the XXXX and be Done with it. I remember the girl saying are you sure you want to do this and at the time seemed weird but I was like yes and she said okay and come to find out it was a charge off. Now it looks like 90 days late and a charge off and none of it makes sense at all. 

I apologize for writing so much its like I just relieved that moment. Sorry but please help. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-14
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : Account Name : XXXX XXXXXXXX Acct Number : XXXX, Account Name : XXXX XXXX, XXXX Acct Number : # # # # # # XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXXXXXX XXXX Acct Number : XXXX, Account Name : XXXX Acct XXXX : XXXX, Account Name : XXXX XXXXXXXX XXXX Number : XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : # # # # # # # # # # # # # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: The CFM Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was called from an unknown number and was told they were a " Legal processing center, '' and there was concern about a legal case I was involved in. I asked for the name of the legal processing center and they led me to believe it was a governmental organization. The person speaking said his name was  XXXX   XXXX . He gave me a case number and the name of "  CFM   XXXX   XXXX  , ''  with a phone number. I called the phone number,  XXXX  "  XXXX   XXXX  '' answered the phone and was speaking in cryptic language about my " case '' which had a " red flag '' attached to it. I asked if it was an attempt to collect, and he said " collect what sir? '' I said, " Is this a collections call? '' and he said " NO, THIS IS N'T A COLLECTIONS AGENCY. '' I was led to believe there was a legal issue that I had to address because they blatantly lied to me. Knowing tha t collectors are not supposed to implement tactics like this, I did not believe they were collectors and therefore did  not supply them with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 a account without my written instructions,

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please Help! My social security number was compromised and I am a victim of Identity theft.

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 2020-06-11
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello, Today, XX/XX/2020 at approximately XXXX XXXX  I opened up my XXXX XXXX XXXX and my PNC debit card was unlinked, preventing me from withdrawing money from said card to put into my investments in XXXX. As I attempted several times to relink my card by providing my PNC account information into the app, the following message kept appearing : PNC HAS MADE A CHANGE THAT PREVENTS YOU FROM BEING ABLE TO LINK YOUR ACCOUNTS. FILE A COMPLAINT WITH THE CFPB. THE CONSUMER FINANCIAL PROTECTION BUREAU MAKES SURE BANKS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY. YOU CAN ALERT PNC THAT YOU NEED ACCESS TO YOUR FINANCIAL DATA BY FILING A COMPLAINT WITH THE CFPB. 

Assistance is greatly appreciated. 

Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2.XXXX XXXX XXXX XXXXXXXX {$570.00} 3, XXXX XXXX XXXX XXXXXXXX {$560.00} 4, XXXX XXXX XXXXXXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX XXXXXXXX 8.XXXX XXXXXXXX ( XXXX ) 9.XXXX n accordance with the Fair Credit Reporting act XXXX  Accounts 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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