BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.

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 2023-04-12
Company: National Capital Solutions
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: Account information incorrect

Complaint:
I have never lived in XXXX XXXX XXXX and it's on my credit report, Also a XXXX for XXXX XXXX, not me or my account

Company response to consumer: Untimely response
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: GA
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 both by letter and using their inquiry dispute tool informing them of Inaccuracies with inquiries that are reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit for said inquiries. In both my letter and using their dispute tool I informed them that I did not authorize the listed creditors to pull my credit. I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. To which they aren't able to provide, because it doesn't exist. I didn't sign or consent in any way to those credit pulls. I was sent a generic investigation letter with a false resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am complaining about Capital One Bank. I have a checking, savings and credit card account with them. In XXXX my checking account was debt XXXX. I inquired about this charged only to learn that the XXXX XXXX XXXX had taken this money out of my account without my permission. I filed a report with the bank and reported this as fraud. Capital One issued me a new card and refund my account. On XX/XX/21 they reverse the refund stating that their investigation with XXXX XXXX XXXX showed they had my IP #, address, and correct information to charge my card. I told them, I DID NOT GIVE THEM PERMISSION TO TAKE THIS MONEY OUT OF MY ACCOUNT, regardless of what they have. Do they not know that's how scammers operate! Regardless of what I said, the representative refused to honor my word the account holder. I told them this is my money, not Capital One and how dare they tell me someone has a right to take money out of my account without my approval. I don't care what their investigation revealed I DID NOT approve this charge. I asked to speak to a supervisor, and she repeated what the representative said, the company had the right information to validate me and the charge. I questioned them as to how are they protecting the consumer if they are allowing anyone who get my banking information illegally to go into my account take money which I did not approve. They had no answer for me. I am still fighting to get my money back. I also contacted XXXX XXXX XXXX and told them I will be reporting the fraud to the Better Business Bureau and the attorney 's XXXX XXXX as XXXX. I still want to hold Capital One accountable for their action and failure to protect customers. The money that customers deposit in their bank is the customer 's money and the bank has no right to determine whether a transaction should be paid after a customer reports fraud, regardless of the merchant 's possession of information. THIS SHOULD BE ADDRESSED WITH CAPITOL ONE THEY HAVE AN OBLIGATION to PROTECT CUSTOMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America continues it's discriminatory practice against me after over 10 years of living in the United States based on my place of birth and nationality. I am an XXXX XXXX and I have been living and working in the United States as a XXXX  since XXXX. My source of income is solely from my job in the United States, and my spendings has always been confined to the borders of the United States. Bank of America started a campaign of harassment against XXXX  born customers like me since XXXX which continues to this date. I repeatedly provided information regarding my legal residence to the Bank of America over the past 6-7 years. With continued harassments and account restrictions, I was forced to close my checking and saving accounts in XXXX leading to significant financial hardship for me and my family. Unfortunately, I still have to endure the BoA campaign of harassment as I still have two Credit Cards with this institution and since these are my oldest lines of Credit, losing them will adversely affect my credit score at this point of time. Bank of America falsely claims " Like all United States Financial Institutions '' it has to continue this discriminatory practice against XXXX  born customers however I am working with close to two dozen other financial institutions in this country and Bank of America is THE ONLY financial institution with this appalling practice of harassment and discrimination against customers based on their place of birth and nationality. With each request for documents in the past, I filled a complaint with the CFPB and the prior complaint are marked as " company contacted me '' however I have never received any contact from the bank before and their harassments continues to this date unhindered.

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 2023-08-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, Experian, XXXX has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer
reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, 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 am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Bill pay from XXXX  XXXX XXXX has been sent to XXXX TN almost 3 months ago. Payment has been Cleared by EdFinancial Services.

Account number was written on the Check. Please apply payment to the correct account ASAP. Why has the Account NOT been Credited? 
As of Today XX/XX/2023 payment has NOT been Posted on the Account Account # XXXX Interest started accumulating. see below payment and check XXXX  Payment of {$130.00} Check XXXX XXXX was issued on XX/XX/XXXX from XXXX  XXXX XXXX and cleared on XX/XX/XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Long term customer of Chase Bank, private client services, have multiple businesses accounts with Chase as well. Out of the blue my personal checking and savings account, even my wifes checking that Im on too all closed ( restricted ) with no explanation why. My business accounts remain intact ( for now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Penn Credit Corporation
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened in my name, but I have never heard of the address or the name of the company that some one opened an account with. 
PennCredit corporation is the collection agency trying to collect the debt. 
The company is suppose to be XXXX XXXX, may be in Texas, it does not say. 
The address they have for me is XXXX XXXX  XXXX XXXX. 
When I called XXXX energy they can not find an account for me. 
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX there phone # is XXXX Creditor XXXX XXXX no address XXXX XXXX I just received a phone call from XXXX They are asking for a report from The FTC and a police report. 
I do have a police report Thank you for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have lived in XXXX XXXX. since I got out of the XXXX in 1970.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: LA
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 XXXX Account # XXXX, Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE REACH OUT TO EXPERIAN MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - 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 explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021

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 2023-08-16
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, non-written, verbal, and non-verbal per 15 USC 6802. Therefore I am opting out of any derogatory indicators such as late payments, charge off, collections, bankruptcies, judgments, liens and hard inquiries.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-11-09
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant phone calls. They are looking for someone I don't know but won't stop calling my number. This is a cell phone and it costs me money for them to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen scheduled Foreclosure Sale without providing a Recent Loss Mitigation Package. There are discrepancies is the Amount Owed on my Mortgage. Ocwen would not provide proof of Servicing Rights.  No Proof of Transfer. No Proof of Amount Transferred. XXXX XXXX was used and there are discrepancies. Ocwen has Robo Signed our documents. I have been given another 30 year loan when i.didnt ask for One. OCWEN has not addressed these Issues. I am in XXXX XXXX and XXXX XXXX. This has caused me additional XXXX  and hardship.

Company response to consumer: Closed with explanation