BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 to ( 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 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 2023-05-24
Company: Experian Information Solutions Inc.
State: AZ
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  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 2023-06-26
Company: Law Office of Brett M. Borland, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Law office of brett m. borland has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-08-24
Company: Mountain Run Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt has been paid, however it was from 2008 and there is no way to provide proof as it is too old, I just received info on this last year which makes it 13 years old. How? How do you fight that?

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 2022-07-10
Company: Waypoint Resource Group, LLC
State: NV
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:
The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX continues to report information on my consumer report. I have submitted documentation from the creditor, Waypoint in which they state that they would request deletion of the reporting of this account. Waypoint, once again, has not done what they've promised to do ; I'm having to chase down their reporting to all of these bureaus, some of which most people are not aware of, and end up with yet, another complaint here. As you will see from my correspondence, I've spoken to XXXX, and was told that they no longer have the debt and to contact Waypoint. Well guess what Waypoint : Here we are again! Everything is attached, including my correspondence to XXXX, Waypoint 's letter, and XXXX 's investigation results stating that they are still reporting this negative account on my consumer report.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've noticed that these accounts and loans are unauthorized on my credit report and is affecting my credit score. I am asking that the following accounts be removed being as though they don't not belong to me. According to the FCRA any false information should be removed from a consumers report.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a single mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. After opening this account in XX/XX/XXXX, I closed this account directly with Capital One in XX/XX/XXXX and settled it. I reached out to the Executive Office in XX/XX/XXXX and I was given a call and told that I wouldn't be able to receive assistance. I emailed again in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my Quicksilver, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This tradeline is almost seven years old and it is reflecting several late payments. If Capital One is unable to delete the account, I would like to have the late payments removed for goodwill. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & Red Cross Letter from the home fire in XXXX of XXXX. Thank you for your time & I look forward to receiving a favorable decision from your company soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called, emailed XXXX several times and explained the charge is not mine. I had ID theft and had many issues which was reported to police and all credit bureaus. Not to mention, I was not even living at the property where the electricy charges were made. XXXX mistake is affecting my credit, and they are harrasing me with collections. Highly considering to hire an Attorney to suit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-08-01
Company: M&T BANK CORPORATION
State: NY
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:
My checking account at M & T Bank had unauthorized transactions on XX/XX/2023. The bank notified me of suspicious activity on that day and I immediately contacted the branch to dispute the charges and cancel the card that presumably caused the hack. The total unauthorized charges were {$150.00}. On XX/XX/2023, {$35.00} of those charges were refunded by the vendor. On the same day, the bank issued a provisional credit of {$110.00}. At that point, the account was made whole for the unauthorized charges. However, on XX/XX/2023 the bank reversed {$35.00} of the provisional credits, leaving the account short in that amount. 

I have called the bank and visited the branch several times, most recently today, to attempt to have the credits restored but there has been no explanation or action. I have received no further correspondence from the bank. 

The 45 day period for resolving the dispute has passed, the provisional credits appear to remain provisional and remain less than the disputed charges with no explanation provided.

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 2021-08-02
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:
Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the XXXX 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX Nexus IS NOT the US Bankruptcy Court. 

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Although Portfolio Recovery Associates , LLC has been forwarded a request via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and per the USPS tracking information : " Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2023 in XXXX, VA XXXX. '' They continue to ignore the following letter : " XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, TN XXXX Portfolio Recovery Assoc. LLC. 
XXXX XXXX XXXX. 
XXXX, XXXX XXXX Mr./Ms. Collector and Portfolio Recovery. 
I am writing in response to your constant phone calls! 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing communication : You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location! 
In accordance with the federal FDCPA, now that you have received this " stop calling '' letter, you may only contact me to inform me that you : are terminating further collection efforts. 
Intend to continue your collection practices and processes, in According to the Fair Debt Collection Practices Act. 
intend to invoke a specified remedy. 
Please update all appropriate records that you are no longer authorized to call or contact me by phone ( s ). Furthermore, I will only accept collection activity in written form. Again, please update your records regarding no telephone collection calls on my account. Thank you for your cooperation. 
If you wish to further pursue collection activities, please forward Validation of Debt : copies of any original documents pertaining to original statements, accounts, letters, and any other original documents pertaining to the same. Also please provide proof that you are legally licensed and approved as a debt collector in the state of Tennessee. 
Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805 ( b ) 2 of the FDCPA. Please advise any other collection agency, if that is how you received or learned of any accounts regarding me. 
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me, I will pursue all available legal actions to stop you from harassing me. 
Regards, XXXX XXXX XXXX "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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:
Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.

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 2023-11-13
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received an email stating that I owe payments on a loan. I was shocked because I believe I paid off all the loans I received already. 

I called Ed Financial on XX/XX/XXXX to ask questions about how the money was dispersed. I waited on the line for hours until my phone battery died. I was told the wait time was XXXX minutes. I waited anyway because I had the day off and I can't take those kind of phone calls at work- I teach high school math and it would be very difficult to take a detailed call like that during class. 

Once I was disconnected, calling back would put me at the bottom of the wait list. The online chat option was not available. I sent an email ( XX/XX/XXXX ) asking for details. I don't believe I owe this money. I pulled up bank statements from the time and I can't find any record from my bank that I received the money. 

I have heard no reply. I have now been charged a late fee on money I don't owe, but I can't get a hold of anyone to talk about this. I sent another email on XX/XX/2023 asking if I can set up a phone appointment to talk to someone. 

In the meantime I have paid the amount due and the late fee to stop charges from accruing, but I believe I'm paying money I don't owe and Ed Fiancial will not answer calls or return my emails. 

My account now shows record of me taking out a loan XX/XX/2023 - right now it says a loan for {$0.00}. But it's really suspicious that a loan is showing up at all this year. I don't need a loan now, and I'm not taking one out. This is just more proof that the records are off.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-21
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:
In XX/XX/2021 I filed a dispute with Experian regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from the Pacer system that does not provide social security numbers, and dates of births. XXXX stated that Equifax is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked Experian multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Experian lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.

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