BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: PA
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 Us Dept of EdXXXX Acct 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 2020-01-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV I am disputing this alleged account and request a complete copy of a alleged contract with my wet ink signature and how you could of came to this amount that you are reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has been asking XXXX, Equifax and XXXX for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, XXXX and Equifax stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, Equifax and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, Equifax and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, Equifax and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, XXXX nor Equifax provided any. XXXX is retaining legal counsel against XXXX, Equifax and XXXX if these acts of libel and false reports continue to ruin his credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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 am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them 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 2023-12-15
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collection on my account has been placed on my account from Professional collections. I have know knowledge of this account and I have asked them send me information regarding this account. But i have not gotten any response or a letter stating that i owe this debt. Please remove this off my my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Shell Point used to be my servicer then my account was sent to XXXX then late back again to Shell Point. Shell Point said they received my account with a shortage but have no record of why their was a shortage. I asked them to prove the shortage and they said they can't because they can only go back so far. All they keep saying is that every thing is correct but they can't/ will not provide proof because they say the shortage was just given to them and they don't know where it came from and can not find out where it came from. 

I believe this is a trick the mortgage companies do when tossing around mortgages from one servicer to another. They pass the mortgage on with a debt or shortage which can never be proven. 

Even though my home owners insurance went way down, I still owe more based on some made up shortage that can't be proven. 

I have been tossed around from one servicing company to another about 10 times. 

All so that they can pull off tricks and not be regulated like a bank but somehow still controlled by a bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : 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

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 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 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did not pay my complete balance and was charged a fee XXXX month. 
However, I DO NOT owe any interest for the period listed on most recent statement as XX/XX/2023 - XX/XX/2023. On that statement, Capital One lists : XXXX XXXX + {$87.00} This is not correct. I do not owe any interest for the listed period. 
Capital One does not provide a method to correct its incorrect charges directly. 

I appreciate your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOTANATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: TN
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 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 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 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My bank denied my dispute after me sending in relevant documents to back up my statement by mail ( in their pre-addressed envelope ) and again ; over the phone to multiple phone representatives. I got denied stating I didnt provide the information requested ( I did, twice ) and then they contacted the credit reporting agency. 
Im disgusted on their lack of backing me up. 
Every time I call they have failed to update my file and I get left restarting my dispute all over again. 
Multiple fone logs to prove me on the fone. 
I have interactions with the merchant you scammed me to back up my story. Im mostly now disgusted by Bank Of America and their handling of the situation.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-06-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I got an email saying my account has been blocked due to suspicious activity. I called in and was told that my account is closed and the remaining funds will be sent through via check to me. Ive been contacting citi bank for a week now asking them the update on my check. I have {$30000.00} in my account and they wont give me answers on when my check will be mailed or if I can even track it. Everytime I call I get a different response and they end up hanging up on me at the end while Im trying to finish my sentence. XXXX day their response would be your account is still under investigation and the next your account has been closed and your check should arrive in 7-10 days and others would be we dont have a answer for you. Like what is it? You say my account is closed down, then give me my money back. They wont allow me to go inside the branch either. At this point Im out {$30000.00} and no real answers.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing the enclosed information for over 4 monthsonly to receive the runaround and stall correspondence from not only the creditor XXXX but also the credit bureaus.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Acct # : XXXX Was removed from XXXX from dispute with CFPB complaint but remains on other reports from XXXX and TransUnion. 

On record until date inaccurate, TransUnion, XXXX XXXX has no payment data on record TransUnion has incomplete payment history. 

Have disputed multiple times with all 3 credit bureaus and only was deleted from XXXX report. XXXX and TransUnion failed to properly investigate fictitiously stating information was verified without an investigation.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, 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 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 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 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