BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$920.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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. 


Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX 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.

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 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day more than 60 days have passed, but I still received no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my letters for some reason. These errors are causing me serious trouble so if this doesnt get resolved I will seek legal action. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened this account in the store about 60 days ago. I never got the card or statement in the mail so after about a month I called. I was informed that they had my address wrong and were reversing the late fee and issuing me a new card. Several weeks have gone by and still nothing so I call again to find out that I still owe that late fee and they cant issue me a new card because I did not make a payment. I did make a payment the first time I called in so I would not rack up any more fees until I get my card or statement so I could set up my online access to my account. They told me again that they will reverse the fee and they will mail me a statement but they cant issue me a new card until a new billing cycle starts. I cant access my account, verify purchases or fees or make payment to pay off my card because I cant get a card but I cant get a card until I am charged more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: LA
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 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Herbert P. Sears Co., Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account is under HP Sears who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with XXXX  only for them to just update that it was verified but not providing me any other information. I reached out directly on XX/XX/30 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me ) that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to HP Sears and before I could say anything he immediately ended the call. I was transferred to HP Sears where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what HP Sears is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, I submitted an over the phone payment to Caliber Home Loans in the full amount of {$2900.00} My husband and I were looking to do a refi around this time and were informed not to make the payment for that month. However ; we decided that wouldn't be the way to go and to make the payment. After calling caliber customer service the agent insured us the payment would be received that same day on time with no problem. And of course this was our first time ever making a payment over the phone. 
Records will verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-06-18
Company: FISERV INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received 2 letters from TRS recovery services XX/XX/XXXX. both were charges from XXXX, 1 FOR {$38.00} on XX/XX/XXXX and 1 for XXXX on XX/XX/XXXX. The reason was " stop payment '' they said my XXXX was returned by my bank. I never made an XXXX for these. When i saw the charges, i searched my orders on the XXXX app, and couldn't find one near that date for that amount. XXXX couldn't either. so, my bank issued a refund for both. XXXX says this has " still '' not been resolved '' This WAS the first time they contacted me. they wrote since it was unpaid, it is now in the nationwide database ( what's that mean? ) of their affiliate, Telecheck, they wrote that until this matter is resolved, Telecheck may not approve your checks or the opening of a new checking account at over 300,000 financial institutions that use Telecheck 's check acceptance and new account screening services nationally. and then that if I don't dispute it, pay them. I checked again, there are no orders for those dates matching this " DEBT ''. i sent a dispute letter, certified return receipt requested, and they signed for it on XX/XX/XXXX. CFPB said they can't make it impossible to cash checks etc. Lying about the consequences of not paying is considered debt collector harassment, according to the XXXX XXXX. And I'm judgement proof too ( Public benefits ). My XXXX  meds have stopped working because of this. I forgot to inform them that they were not in my orders, XXXX couldn't find them, and that I'm judgement proof. And I really want to add " so, good luck! '' that's not profane. I want this to stop, it's affecting my health. And since I'm XXXX, it will be hard to get a ride to the Post office to send it certified return receipt requested. I will do this as soon as i can. And I live below the Federal poverty line, so even paying for a ride, and 2 certified letters just adds something to my financial hardship. please do something about this for me. I hope that the fact that they harassed me will invalidate this debt. Reference numbers XXXX and XXXX this was a checking account, not a credit card. I have since removed this account from my digital wallet on my XXXX account. i have no idea why XXXX sent this to collect, since they flagged these transactions as suspicious and couldn't find them in my orders.

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 2021-08-30
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the last 90 days, Ive file 3 complaints against NCA. Each time theyve responded saying they would take specific actions to correct their mistakes but never did. An account ( XXXX ), which per MCAs admission, that has been paid in full since XX/XX/XXXX has repeatedly submitted to credit reporting agencies as being severely past due. Another account ( XXXX ), which per NCAa letter dated XX/XX/XXXX, should have been placed in a fraudulent status, never was. Both accounts ( XXXX and XXXX ), per NCAs letter dated XX/XX/XXXX, were to be placed in a cease and desist status never were and have repeatedly been reported to the credit bureaus. I checked my credit on XX/XX/XXXX and both accounts are still being reported to the bureaus. Ive contacted an attorney and, before taking legal action, wanted to reach out to NCA, one last time, to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by 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 explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Capio Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt and I do not have a contract with CAPIO plus they did not provide me with the original application like I asked. Also, this account was already deleted but they added it back on my report. This is an illegal because they didn't give me a 5 day notice. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. 

Account Name : CAPIO ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a message on XXXX of a XXXX XXXX XXXX  and she contacted me regarding a post I made on XXXX. She said if I wanted a mural of that post and I said yes. To do so I had to give her my username and password of my bank account and she said that I could trust her because one of the people she did it to also trusted her. I gave it to her and she deposited numerous checks to my account. The next day my checking account was in overdraft and I told her what she did and she denied that she had any part in that. She told me to buy her an XXXX gift card with an amount of {$500.00}. I knew something was off since the XXXX gift cards are only used for purchases of XXXX products. I didnt buy the gift card. She said that she could fix my overdraft account problem by depositing {$4000.00} in the checking account I have but only by giving her my debit card number. I didnt trust her so I decided to block her and since then she has been blocked. After that I have contacted my bank and they said that they were going to investigate further. I decided to call today because I got an email saying that my new account was locked due to suspicious activity. They said that since there was a bounced check in my old checking account the department team that deals with these cases they decided that my relationship with the bank would be terminated. I asked them about the balance of my closed checking account and they said that it was in XXXX  but when I called last week they said that I did have a balance and it would be sent to my mailing address through a cashiers check in 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've opened a checking and savings account with Bank of america and it got closed in XXXX because a friend of mines wanted to cash his check but he couldn't because the check cashing place was closed so I did him a favor by letting him deposit his check into my account for he can get his money after that my account wind up getting closed. I had no idea about it can result in account closure so I'm paying a big price and being held accountable for my stupidity. I've paid off XXXX to XXXX on XX/XX/XXXX and I believe I'm still on XXXX. I've learned my lesson after that.

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 2022-06-16
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX I have written several times about false information and providing information.

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