BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: MCCABE, TROTTER & BEVERLY, PC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted XXXX McCabe Trotter and Beverly on XX/XX/XXXX about my hoa fees that were placed with them for the amount of XXXX. They advised me that I was sent a notice in XX/XX/XXXX, made XXXX XXXX in XX/XX/XXXX. I advised them the only notice I received is a dated notice on XX/XX/XXXX. I advised him I was disputing the validity of the debt because I didnt receive notice from my H O Way management property XXXX. The customer service agent then began to yell that I didnt pay my bill. They were trying to collect it for me since XX/XX/XXXX. I advised that was incorrect that the file was wasnt place we all until XX/XX/XXXX and my balance is only {$200.00}. Why are you telling me I owe XXXX since XX/XX/XXXX. I asked to speak to someone else men multiple times because she was unprofessional. She refused and told me that I was the only person that she was going to ever speak with about this. I hung up and called three different. Try times trying to get in touch with someone else to get the validity of the dead in the correct amount because she kept changing the amounts and I didnt know if she if it was fraudulent or not at that point. I asked her to send me proof by mail. She got upset by that and said that I owe the bill I just need to pay it. I hung up. She called me back twice to taught me and basically said now my bill has gone up to XXXX instead of the XXXX its because she assessed another fee. How is this legal for her to them to continue assess fees and calling, harass me about it and taunt me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX its been 6 year Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come Que Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers The, untess the information is outdated under section bUs or can not be verified Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. 
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date

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 2023-09-08
Company: Greenberg, Grant & Richards Inc.
State: FL
Product: Credit reporting 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 am writing to dispute and formally request an investigation into an unauthorized hard inquiry that recently appeared on my credit report, as reported by your agency. This inquiry was made without my consent and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681g. 

Details of the unauthorized hard inquiry are as follows : Name of Inquiring Entity : GREENBURG GRANT AND RICHARDS Date of Inquiry : XX/XX/XXXX   I have not provided any form of consent, either written or verbal, to GREENBURG GRANT AND RICHARDS or any affiliated entity, to access my credit report or initiate a hard inquiry. This unauthorized inquiry has negatively affected my credit profile and may result in harm to my financial standing. 

Under the FCRA, it is explicitly stated that a permissible purpose is required for an entity to access a consumer 's credit report without their consent. I have not initiated any credit applications or transactions with GREENBURG GRANT AND RICHARDS that would warrant a permissible purpose for this hard inquiry. This action is a direct violation of my rights under 15 U.S.C. 1681b. 

I kindly request that you conduct a thorough investigation into the legitimacy of this unauthorized hard inquiry and provide me with a written response within the time frame specified by the FCRA. I expect your response to include : Verification of the permissible purpose that allowed GREENBURG GRANT AND RICHARDS to access my credit report without consent. 
A complete copy of the information that GREENBURG GRANT AND RICHARDS provided to you as part of this inquiry. 
Any correspondence, agreements, or documentation demonstrating that I authorized this inquiry. 
Proof of the lawful basis for this inquiry, in accordance with FCRA regulations. 
Failure to comply with the FCRA 's requirements or provide a satisfactory resolution within the stipulated time frame may lead to legal action. I am prepared to take legal recourse to protect my rights under federal law. 

In accordance with the FCRA, if my dispute is valid and the inquiry is found to be unauthorized, I demand the immediate removal of this unauthorized hard inquiry from my credit report. I also request a revised copy of my credit report reflecting this correction, and {$1000.00} remedy. 

Please treat this matter with the urgency and seriousness it deserves. Your prompt attention and adherence to federal law are expected. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
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:
Despite a previous written request, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 just got my account close. For suspicious fraud and I have money there to pay my rent and they don't want a give it 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 explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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 status incorrect

Complaint:
1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX  ) is also reporting wrong address information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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 received a copy of my credit report. To my surprise, you are reporting this accounts incorrectly. Those collection are not mine, but also shows a past due balance, there are account, credit cards and a lo more. 

_ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely,

Company response to consumer: In progress
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}

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 2021-04-13
Company: EQUIFAX, INC.
State: SC
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:
The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and Equifax. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 this creditor has violated my rights, under 15USC 1681section 602 states I have the right to privacy 15USC 1681 section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-16
Company: Continental Finance Company, LLC
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
While I was out-of-town, my identity was stolen and used for fraudulent purposes, included among this fraud was a purchase from XXXX XXXX for {$400.00} XXXX I immediately reported to the credit card company ; however, it did not conduct an immediate investigation as required by law. It was months before I atually heard anything from the credit XXXX  company. In the interim, I contacted the company by telephone and was informed that the4 unauthorized transaction was removed from my account. Months later, by letter dated XXXX XXXX, 2022, the company informed me that I was being required to pay for said unauthorized transaction. Consequent, phone calls with the company regarding this issue only resulted promises of further investigation, which were not honored. Recent, phone calls to the company regarding this matter has resulted in me being informed that nothing further will be done about this and that I musty pay. I have been advised to sue and file this complaint.

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 2023-09-08
Company: EQUIFAX, INC.
State: GA
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 first 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. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX loan service sold my loan to Nationstar. I received a letter from XXXX after I had sent my payment for $ XXXX XXXX/XXXX/2015. I called XXXX and they told me they would forward my payment to Nationstar. The money was debited from my account on XXXX/XXXX/15 and Nationstar sent me a DOUBLE BILL on XXXX/XXXX/15. This was done deliberately. Also. Nationstar refused to send me a corrected copy of my bill. 

XXXX loan service XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation