BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account list below violated my ferally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : 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 Section 2 : It also states a consumer reporting agency furnishes 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 or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 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 2023-02-21
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I bought a money order on XX/XX/2023 for the amount of XXXX it was for my rent I mailed it at the post office in XXXX ny I bought the money order at PLS store my landlord contacted me about not receiving my rent. I go to pls they say the money order was cashed by someone they gave me a receipt of the transaction but the receiver was changed on the money order. The endorsement still have my signature. Should PLS refund my money back to me so I can pay my rent?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On my chase app credit XXXX  theres a closed account for XXXX XXXX XXXX XXXX for {XXXX} i don't recall making this or even know this existed.I 've never seen this on my chase app till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Portfolio Recovery directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, 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 2021-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My wife cancelled her Experian credit monitoring services on XX/XX/2020, and received the cancellation email from Experian as confirmation. However since then, our credit card has been inappropriately charged {$12.00} per month. 

Ive already called the number provided within Experians cancellation email ( on at least 5 separate occasions over 7 months ) to inform Experian of the inappropriate charges to our credit card. Experian has refunded some ( not all ) of the charges over the past 7 months, but they still keep charging our credit card {$12.00} per month - even after they keep telling me everything has been cancelled and assure me that they cancelled it correctly this time.

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 monetary relief
Consumer complaint received 2022-10-08
Company: ROBINHOOD MARKETS INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Investments in my Robinhood account were compermised or stolen and loss access to my account for over a year unauthorized transaction and withdrawals unauthorized account access ect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CITIBANK, N.A.
State: WI
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:
Ok first my identity was stolen and someone got ahold of my sears MasterCard and made unauthorized purchase and luckily I caught them in time and after they didnt get the products they ordered without my authorization they called and had my account closed I tried to get it opened multiple times and got nothing but more hard inquiries on my credit report and would like to get my account back open and in good standing

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 2022-04-07
Company: Verisk Analytics Inc
State: FL
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed.

The amount states that i owe XXXX  to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me!

Please remove this account from my credit report! I cant take this any longer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This correlates to my prior complaint on XXXX XXXX XXXX. 
XXXX XXXX XXXX  has reported to CRA on XX/XX/2022 that I am at or over credit limit before addressing their problem at fault of not accepting my payment. This not being reported correctly, and I feel inaccurate account balancing has occured. Previous issues have been corrected, payment method mysteriously works now as well as late fees returned however I have been damaged by an adverse action that requires immediate response and correction as this act has prevented me from obtaining additional credit needed causing much stress and emotional strain.

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 2022-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, I filed a dispute for a debit card charge on my USAA Checking Account for a partial amount due to an incorrect amount charged by the merchant 'XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX merchant was contacted multiple times to correct the issue, all to no avail. The merchant 's lack of communication necessitated the dispute. 

As per USAA 's representatives, the bank allows a time-frame of 180 days after a charge occurs to file a dispute. I filed the dispute at 166 days, which was within the time-frame. Nonetheless, USAA rejected the dispute due to " untimely filing ''. 

USAA also noted that they " could not find an error with the charge ''. However, the bank failed to contact me to request documentation regarding the error. 

I wrote a letter to USAA Federal Savings Bank on XX/XX/2022 to refute this rejection of my dispute. The letter outlined the inaccuracies in the rejection notice. It also supplied the documentation that they failed to request from me. Unfortunately, USAA did not respond to my letter. I re-sent the letter multiple times by fax, most recently on XX/XX/2022, but they have still been unresponsive. It should not take two months to respond to a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am working to Refinance my existing loan with PHH and they do not refinance in the state of Massachusetts so I am working through another company. I have never been late on my mortgage and my mortgage states I am PAST due. I have called PHH to get a clean or updated mortgage statement 6 times and they will not provide me one, they keep stating it should be online. I have also emailed them twice. I am at the point that my refinance is not going to happen because of the horrible customer service of this company. I was under the impression that they had to provide a clean statement or any mortgage statement when asked for. 

PHH Mortgage is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Resurgent Capital Services L.P.
State: AZ
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:
On XX/XX/2017 there was an account open that states I owe {$1100.00} to XXXX XXXX, XXXX on my credit report. I have never or agreed to any contracts verbally or written with this company for any payments owed or debts due. I have never heard of this company and now I am getting an overflow of emails from this company threatening me that I have to resolve my account balance or it will be sent to a lawyer. I know that I owed XXXX XXXX for an amount way less than this company claims I owe. I tried to work with XXXX XXXX company back when I was unemployed and they were working with me until this XXXX XXXX  XXXX appeared on my credit last year in XX/XX/2017, which this debt collector is holding my credit score down and restricting me from getting an apartment and auto loan. I do need a home and transportation for work and it requires to build up my credit. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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

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 2022-10-09
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2022 received a phone call from XXXX XXXX XXXX XXXX. A person stating they are attempting to collect a debt owed to a medical center. The agent on the phone asked if i was ready to make a payment, I informed them that i was not comfortable giving out my financial information over the phone to people who call me. I requested that they send me paper work for the owed amount and where the bill was from and accurate information on payment types available to me. I received no paperwork in the mail. XX/XX/2022 phone call from XXXX another agent contacted me requesting i pay over the phone to them for a debt owed to them for a medical bill. I again stated that i would like to receive a letter stating the company 's name what debt they where trying to collect and options of payment, as i am not comfortable making payments over the phone to strangers who call me. I received no paper work or mail the following months. I received another phone call from the collecting agency this time from a number that is different that I do not remember or can find on my call logs. I stated I am not disputing whether I owe a debt or not that I am uncomfortable making a payment over the phone to a company that has not sent me any paper-work stating what debt I owe or giving me a option to mail in a payment or make a secure payment at a legitimate website. That i would like to receive a proper letter. Then the agent said they would send me something in the mail and that there was XXXX debts this company was now trying to collect. Today XX/XX/2022 I received notice of a " complaint '' that was filed on XX/XX/2022 in XXXX XXXX of residence. Although in the complaint it states the filing date is XX/XX/2022 it was not filed until XX/XX/2022 which is past the XXXX statute of limitations on one of the debts filed in the complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts do not belong to me. Please review the attached document.

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 2022-10-08
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT and XXXX account XXXX said to be opened on XX/XX/2018, both parties have violated my rights. 

15 USC 1681 section 602 A - States I have rights to my privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 166b states s creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV sent a notice by mail recently stating they purchased an alleged debt from XXXX  XXXX that is being serviced by Resurgent Capital services however another notice sent by XXXX XXXX XXXX stated that they have the same alleged debt from XXXX  XXXX as well. I am certifying I have no knowledge of this alleged debt and to return back to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've requested that XXXX XXXX XXXX please have Capital One verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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 never signed off on the check and never accepted the loan. this has been done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I received two hard inquiries on my Experian credit report on XX/XX/2020, from XXXX and from XXXX  XXXX XXXX. I did not authorize either of these inquiries. I called XXXX and XXXX  XXXX XXXX and they said that I would have to dispute the claim with Experian. I called Experian and was unable to reach resources that would allow me to file a dispute, and their website says that hard inquiries are not disputable through them and to contact the entities that performed the inquiry. I've now gone in circles and can not get any assistance from any of the companies involved. Experian has also said they are unable to freeze my credit report, meaning this may continue to happen.

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 2023-09-16
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed First Premier - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXXXX XXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear XXXX and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief