BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am writing to dispute the accuracy of the information on my credit reports provided by TransUnion, XXXX, and XXXX. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of 12. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by XXXX, but there is no information from TransUnion or XXXX regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status. 

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that TransUnion, XXXX, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open a account with capital one and i deposit money to my the bank a year ago. and i still have XXXX dollar in my account. 
they put my account on hold and close my account and say that i cant withdrawn my money and told me have a nice day. 

i think there was a FDIC act that and banking rule that they suppose to give you back your money and closeing your account becuase they choose not to do business anymore. 
for a period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There is fraudulent activity at PNC that is using my personally identifiable information. 

I have been working with PNC and CFPB regarding suspicious activity. I initially contacted PNC on XX/XX/2022 and again on XX/XX/XXXX when there was no follow-up. I then opened a case XXXX w CFPB on the XXXX of XXXX when it was apparent I needed an advocate. PNC, XXXX XXXX, contacted me on the XXXX of XXXX. XXXX assured me that issue was resolved and that I would not receive any further communication related to these accounts. 

I have in fact received XXXX more letters regarding these accounts the latest sent the XXXX of XX/XX/2022. And, it is now obvious to me these are fraudulent accounts. The most recent notice is from a third party with same name and address that is on PNC accounts. 

I am opening a new case for XXXX reasons. First and foremost is the fair resolution expected has changed given these are fraudulent accounts. Second, I have no way to update the existing case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just requested my credit report and noticed the wrong information and fraudelant accounts

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 2020-09-29
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 XXXX to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to make a payment to XXXX XXXX XXXX only to discover that the account has been closed due to XXXX. I never made any such report. I have the card in my possession. I am fully responsible for all charges placed on the XXXX XXXX. I spoke to a couple of agents about the issued with the card being locked. I am unable to make payments on the balance due. I'm so confused at this point. I haven't received an email or paper statement. I know a payment is dues, so I called an agent to make a telephone payment. Well, I was told they could not accept my payments as the account has been closed because of correspondence from TransUnion. I have always made timely payments and for much more than the minimum balance due. I don't understand why they elected to close the account because I " supposedly reported the card Lost or Stolen '' and Fraud was reported on the account. XXXX  can't seem to explain who made these statements. I had to threaten to speak to a supervisor. Furthermore, she claims that because of the " Fraud '' I am not responsible for the {$690.00} balance. I AM RESPONSIBLE AS THESE ARE MY CHARGES. So, I am sending a payment via my bank today ( XX/XX/2023 ). They can't close an account that has been reported Fraud when a new card has been issued. Therefore, no account to apply the payment to. Again, I am sending payments until the account is paid in full.

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 2023-07-16
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
the credit bureaus are not abiding to the XXXX day response on my disputes

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 2018-05-14
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just want this removed from credit report. they continued to harras me so I paid it even though it was not mine. I just want it removed. when I paid them they stated it would come right off ... never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-08-02
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:
There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.  XXXX   XXXX   .Dated J XX/XX/XXXX  2. XXXX  .Dated XX/XX/XXXX .3.  XXXX   XXXX  . XX/XX/XXXX  4. XXXX  . XX/XX/XXXX  ... 5.  XXXX   XXXX   .Dated  XX/XX/XXXX .
1.  XXXX   XXXX   XXXX  , Michigan  XXXX  2. XXXX .  XXXX   XXXX  , Texas. XXXX ..3.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas. XXXX  ... 4  XXXX   XXXX     XXXX   XXXX  , Texas. XXXX .
I have a   XXXX   XXXX   XXXX   vehicle I do n't need another car. I have   XXXX   kids and I am single Mom.
All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my  XXXX  child and my daughters that are under the age of   XXXX   years old..

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 2023-09-22
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Attempted to collect a debt for XXXX I have no subscription to XXXX, I have no XXXX devices. 
I did not authorize or co-sign for XXXX services. 
I paid a bill for a family member. Family member defaulted on their account. 
XXXX attempted to use my financial information to collect for a service that was not my account. I only helped someone pay their bill on a limited basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I need to make sure EdFinancial received my latest teacher loan forgiveness application and find out what the status is. In XX/XX/2023, I received a message saying my first application was denied because of the date. I called right away and then uploaded and submitted a new corrected application. 10 days later, I called to confirm they received it and they said they couldn't find it. They told me to upload the document again, so I submitted the updated application again. Now it's been over 60 days and I have not received a message/letter accepting or denying my application. 

I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the wait time was over 7 hours. There was an option to receive a call back but I never received a call back on any days. I submitted an email request on their website with no response. I attempted to use their chat service online but I get this message each time I try : " We apologize, we are unavailable to take your chat at this time. Please try again at a later time. Thank you, goodbye ''. I called 3x each on XX/XX/XXXX and XX/XX/XXXX but the system is not working- it doesn't ask for any input and goes silent. Please help me speak to someone from EdFinancial so I can get confirmation my application was received and what the status is. I worked in low-income public schools for 5 consecutive years so that I could qualify for this forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received two letters in the mail from the same company stating, Debt Recovery Solutions , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. It goes on to mention I received XXXX XXXX from XXXX XXXX XXXX. The debt was then purchased by XXXX XXXX XXXX which is whom this supposed debt is owed. The first reference # was for an amount of {$1200.00}. The second reference # the amount was for {$69.00}. The letters also mention I have until XX/XX/XXXX to call or write to dispute all or part of the debt. 
The first part of my complaint is that I do NOT recognize this supposed debt nor the companies involved with the origination or transfer of the debt. This debt supposedly originated on XX/XX/XXXX and I have never received any notification of this debt until XX/XX/XXXX. The second part of my complain is that Debt Recovery Solutions , LLC did not adhere to my rights under FDCPA and FCRA on providing the allotted time to report this debt as it is already reporting on my credit report to at least one reporting agency PRIOR to the date provided to dispute the debt which is XX/XX/XXXX. This is unfair and deceptive implying I owe a debt and reporting it to any credit bureau agency prior to the date provided by the debt collector to dispute the debt. I believe the actions taken by Debt Recovery Solutions , LLC to report this debt to the credit reporting agency is abusive and did not follow the practices of FDCPA and FCRA in protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Lendmark Financial Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I opened up a personal loan with Lendmark Financial in XXXX Ga on XX/XX/2018 with payments of XXXX a month. I got behind on my XXXX and XXXX payment. When I called in XXXX to make my XXXX payment I actually paid XXXX dollars instead of the normal XXXX and I was told I could do a deferral on the XXXX payments I missed ( XXXX and XXXX XXXX and have those payments put at the end of my loan. I agreed and the representative from Lendmark faxed me over the deferral form and I signed it and faxed it back over to Lendmark 3 different times only to be told they didnt receive it. I then scanned and email the form and sent it to the representative I was speaking with the assumption that everything was handled. I proceeded to make my XXXX payment of XXXX but within a couple of days of making my XXXX payment I was served by the sheriffs office with papers from Lendmark stating I was being sued. Now this is very confusing because I have every intention of paying my loan back which is I why I signed a deferral agreement in XXXX for the XXXX payments I missed and I made my payment in XXXX so why am I being sued. Ive already reported this company to the XXXX and I also plan on sending a email to their corporate office and to the local news channels to see if any investigative reporters can assist me with getting to the bottom of this shady business tactic. LENDMARK FINANCIAL=BAD BUSINESS!!!

Company response to consumer: Closed with explanation