BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, TRANSUNION, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF 2023, I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY XXXX  DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXXXXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/2023 WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 report # XXXX - This company, XXXX XXXX XXXX stated they couldn't locate this debt. They have also VIOLATED FDCPA by not sending out proper notices required by law to my address to inform me of this alleged/unknown debt. Instead, they reported it to the credit reporting agencies which has damaged my credit and has gotten me denied for a home loan. This account was in collection activity, and they still reported it. That's also a violation of FDCPA. This company have broken various laws. Each law broken is {$1000.00} each. I have attached my ID as proof of residence and also proof that this company stated THEY COULD NOT LOCATE THIS ACCOUNT when in fact it was on my credit. It doesn't make sense for me to 'provide '' proof of this alleged debt to your company if your the one that is reporting it? 

I have added Transunion and XXXX on this letter because they are in violation for allowing this company to REPORT INACCURATE INFORMATION. THESE CRA 'S didn't run a proper investigation.

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 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XX/XX/XXXX, I received a suspicious phishing email with Capitol One font claiming the bank intended to close newly opened savings account. The next day, I called customer service and encountered a nightmare. A customer service person in the Fraud Department who identified himself as XXXX accused me of identity theft and fraudently opening an account. I immediately stated he had no right to make such a claim because Capital One had already verified my valid Washington State driving licence and social security number in addition to confirming that I already had a valid account from XXXX. XXXX proceeded to provide misleading and contradictory information about security protocol even after he had verified my personal information. The entire conversation devolved into a power struggle where XXXX continuously badgered me because he did not believe me and he refused to accept valid state and federally issued documents. Moreover, he did not provide any answers when queried about Capitol One 's demands for constant verification on new accounts and why did Capitol One threaten to close an account after I had verified all the requisite information. To add insult to injury none of the Capitol One customer service provided any detailed information to explain why the financial institution made the decision to flag my account and later accuse me of fraud. 
I will vigorously pursue all legal options to preserve my integrity and ensure that Capitol One immediately discontinues slandering my reputation with false accusations of fraud. Furthermore, since this issue has elements of a XXXX dynamic, I will enlist support of civil rights agencies to safeguard my rights and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-09-17
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A prior complaint against Diversified Adjustment with CFPB resulted in the company responding and saying they agreed to delete the collection from my credit report and not report it again if I paid within 15 days. They deleted and I paid. This morning I received an alert that Diversified Adjustment had added the collection back to many credit report dropping my score 32 points. Please fix this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CITI Bank I Payment On timeclosed my account without notice or confirmation. 
Account Type : Flexible Spending Credit card Date opened : XX/XX/XXXX Hight Balance : {$3000.00} ( I payment on time, Why have Hight Balance??? )

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 2018-03-16
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Interest rate on my Sears Master Card with Citi Bank is way to high as my credit score is 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 explanation
Consumer complaint received 2023-07-20
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Rent Recovery Solutions
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We lived at XXXX XXXX at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly sixty days to resign the lease for twelve more months even though we weren't sure if we were going to stay or go. 

We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. The manager and the assistant manger said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021 and the apartment was cleaned and looked brand new. We have pictures. 

A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXXXXXX XXXX rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX XXXX rent even though new tenants had already signed a new lease. The manger expressed that even though we didn't start the new lease, w e still owed for XXXX. This was news to me. 

I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it giving the new tenants a fresh new place to dwell. We do not owe for XXXXXXXX XXXX rent. Please help us with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: New Era Asset Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
New Era Asset Management called family members and friends and left voice mails on XX/XX/2020 XXXX EST about my situations. Beside by being harassed and intimidation by this company they are now the embarrassment from them telling family and friends is unacceptable. Some how this company has access numbers illegally of family and friends that I have not gave out and they have called. 

They also used these tactics earlier in the year also and I left a message not to call the other numbers they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I have already submitted a complaint about them cashing a check that they said was fraudulent and then closing my account after the fact and tryjng to tell me I am responsible for paying for it. Even though the check was never able to be cashed after the fact because it had already been processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.

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 2022-03-18
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Validation Letter asking to cease reporting until the debt was verified by me along with a copy of my signature with the provider to release medical information. ( Consumer ) sent XX/XX/2021, Debt collector responded on XX/XX/2021 with only a statement and no documentation with my signature. 

Debt collector violated the following : 15 USC 1692 b ( 5 ) 15 USC 1692 b ( 2 ) 15 USC 1692 d ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to Source Receivables Management company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} 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 XXXXXXXX XXXX XX/XX/XXXX ; XXXX 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 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX credit card through synchrony bank. 
I went to XXXX to repair my transmission they installed a different model then what was brought in and didn't tell me. Then they cut oil lines to the radiator and ran the new lines so they were running against the axle and scorn within 10 miles. When I drove it home my 2 rear brake lines were snapped off. I went to a different mechanic to review the work since XXXX manager couldn't give me any details on what was repaired. The new mechanic showed me all the incorrect installed lines, missing dust guard and recycled junkyard transmission and leaking seal they installed. When I went back to XXXX they told me they can't find the transmission cover and it was sold out but it was not needed. As per XXXX without the cover the inner seal will rot and I was able to find the cover in 5 minutes on XXXX. Between the other shop cost, brake line repair cost and blatant lies I will not go back to XXXX. 

I contacted synchrony about the issue and have now logged 3 fraud claims which have been denied without ever calling me or emailing me like they promised for the photos of the issues and report from the other mechanic. I have logged over a dozen calls which I repeatedly get hung up on by synchrony banks reps.

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 2023-06-06
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from " medicredit '' that a " past due '' medical bill of {$70.00} from XXXX XXXX XXXX in XXXX was sent to collection. The issue is that I never received any form of notice or statement or phone call for said medical bill. I have received other medical bills from XXXX XXXX. However, I was never notified that I had an outstanding balance. I am upset that I was never properly billed/ notified and this was escalated to collections, in which, will be harmful to my credit. Upon calling XXXX XXXX for clarification I was told that they were unable to give me an itemized bill or any information on this debt. 

Additionally, I have made other payments via their payment system and I have luckily kept the receipts because the payments have been " lost ''. 

The billing system for XXXX XXXX clearly isn't working but I was wondering what steps should be taken

Company response to consumer: Closed with explanation