BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Collins & Hilton Asset Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact XXXX XXXX XXXX. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX provided the name of XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : XXXX XXXX XXXX ; Account Number XXXX ) or ( account name : XXXX XXXX XXXX ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : CAPITAL ONE : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Conduent Incorporated
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX This card service have been charging me XXXX cents to check my card balance by phone and XXXX every time I make a transaction but dont have the funds or a company request funds that I dont have. The call it a nonpayment fee. Even if my account isnt being overdrawn. This month alone I have 18 denial fees. For transaction like XXXX or XXXX trying to receive payment. This seems very unfair and unethical. It also seem like they are taking money from my account. My bank statement doesnt match what they tell me by phone like transactions dates. They told me that my child support payment was deposited on XX/XX/2023 but online bank statements says XX/XX/2023 and I have non payment pos charges from XXXX on XX/XX/2023. None of this makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I made a {$50.00} payment on XXXX using my Citi credit card. XXXX charged a {$1.00} fee which was clearly disclosed when I made the transaction. A few days later I was charged a {$10.00} " Cash Advance Fee '' from Citi for this transaction. Citi claims this is disclosed in their credit card agreement -- which is multiple pages of fine print and impossible to read let alone comprehend. {$10.00} for a {$50.00} payment is excessive and is not clearly disclosed. This appears to be a widespread pattern of practice that could very well be deceptive or abusive under the laws enforced by the CFPB. I ask that you look at Citi 's practice more broadly as XXXX is widely used and I am certainly not the only consumer to be in this situation. I've been using my credit card on XXXX because I did not want XXXX having access to my bank account given the various data/security breaches with private financial 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
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: OH
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 am a Victim of Identity Fraud. I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX Docket # XXXX was filed in XXXX XXXX XXXX and discharged 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 2023-03-28
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: Information belongs to someone else

Complaint:
I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Paypal Holdings, Inc
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir/Madam, I am writing to formally request your assistance with a matter concerning a fraudulent transaction that occurred on my PayPal account in 2019. The transaction in question was initiated by XXXX XXXX, and despite my efforts to dispute the transaction through PayPal, they have denied my dispute and are now attempting to send me to collections. 

On around XX/XX/2019, I noticed an unauthorized charge on my PayPal account for {$300.00}. I immediately reported the transaction as fraudulent and initiated a dispute with PayPal. Despite providing all the necessary documentation and evidence to support my claim, PayPal denied my dispute, citing insufficient evidence of fraud. 

Since then, I have attempted to resolve the issue by contacting XXXX XXXX and providing them with the same documentation, but they have been unresponsive and uncooperative. As a result, the unpaid balance remains on my account, and PayPal is now threatening to send me to collections. 

As a consumer, I have made every effort to resolve this issue directly with both PayPal and XXXX XXXX, but my attempts have been met with resistance and denial. I am requesting the intervention of the Consumer Financial Protection Bureau to help me resolve this matter, as I firmly believe that I am not responsible for this fraudulent transaction and should not be held liable for the associated charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
DEPT OF EDXXXX ACCT XXXX XXXX DEPT OF EDXXXX ACCT # XXXX DEPT OF EDXXXX ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX 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. Convergent Account # 1234 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.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: GA
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:
I have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXXXXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 602 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 explanation
Consumer complaint received 2023-03-28
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Alabama Housing Finance Authority
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. I was contacted by the business in XXXX of XXXX  and told that i qualified for a modification and was told to go delinquent to continue with the modification. i was never made aware of the covid forbearance i qualified for or any of the covid assistance programs i could have used. i have attempted to speak with the business regarding this multiple times and my manager voicemails are never returned. To my understanding compliance with the CARES act would required ServiSolutions to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the XXXX data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.

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 2023-03-28
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX 2023 I woke up to a charge ( XXXX ) on my account and immediately called Key Bank to ask what the charge was for. They informed me it was a 3rd party phone company and gave me the companies number. I informed Key Bank at that time I was lead to believe I was making a XXXX XXXX bill payment and did not realize I was using a 3rd party company. I get free phone service through the govt and that my bill is only XXXX for my insurance and I made an error not realizing this company was not XXXX XXXX  and that I would like to file a dispute for that charge. I also called the 3rd party number and asked for them to reverse the charge and they hung up on me. I also that day asked for a new debit card as I was concerned this company would take more money out of my account. The dispute was filed and my money was returned to me while the dispute was being reviewed. I also informed Key bank that I didnt receive any goods or services from this 3rd party company and basically I was hustled by a site that appears to be XXXX XXXX Today XX/XX/XXXX I woke up to the charge being reversed and the XXXX taken again out of my account. I called key bank and they informed me they closed the dispute and based it on the information sent by the 3rd part phone company. I was never contacted from the dispute dept on the status, never provided any paper work from anybody and explained that I already told them that I in error gave them my info believing it was XXXX XXXX. They said that they made their decision and I asked why they didnt contact me, provide me with the findings before taking the money from my account and that I didnt receive any goods or services from this company. They did not provide me with any documentation on my dispute until I called to inquire what the findings were and my account being overdrawn. Key bank did not keep me informed about my dispute, made a decision without speaking to me and allowed me as a consumer to be stolen from. I asked to reopen the dispute as I was not protected from a fraudulent charge. I want my money back and Key bank to acknowledge that they also victimized me as a consumer. I explained that my phone is free, I canceled my card as soon as I realized what happened, called the 3rd party company as well and filed the dispute. Never contacted again and a decision was made solely on documentation from the 3rd party that I was never provided with. My dispute was reverted and I was not contacted during the process instead again my account overdrawn. There was no due diligence during the dispute process for me the consumer and cant understand how they came to decision without ever speaking to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The XXXX XXXX  XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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