BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
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:
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 # XXXX as closed account 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 crime 's 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 explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX  - XXXX I NOT AUTHORIZE THESE INQUIRIES 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 2023-05-24
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: Information belongs to someone else

Complaint:
When I checked my credit report there were accounts appearing that I am not aware with a came from. I have been sending out disputes and demanding verification on these accounts, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. I wanted these items deleted from my 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 2023-09-12
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-07-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had a technical issue with the citi.com website that prevented me from being able to make a payment on time in XX/XX/XXXX. It happened again in XXXX, and I was charged a late fee. When I complained I was told I had been given a break in XXXX, and thus the late fee couldn't be forgiven. I argued that no way should I be held liable for a late fee when it was their website that was the issues, and I sent screenshots to prove it. I escalated the issue, got nowhere, so I found the CEO of Citi 's email and emailed her. ( XXXX XXXX ). Within a day her executive response team reached out, I explained the issue and the late fees were credited back to me. A few weeks later I lost my card, and when I called to have a new one sent I was told that was impossible as my account was being closed by Citi. They claimed it was due to a periodic review of creditworthiness. Now, interestingly, from the time I opened the account I had bought a {$260000.00} house, changed jobs to where I am making 3 times more since opening the account, and my credit score had climbed quite a large bit. I complained to XXXX again, and was told tough, go away, though I am still convinced it was retribution. When pressed for when and how I'd be notified of the official end of the account, I was told I'd be sent a letter. As of today, no letter has been sent. XX/XX/XXXX. I just checked my credit report and it states my Citi card was closed on XX/XX/XXXX by the grantor. However, this entire time my online portal shows it is active and I have available credit .... Today I called Citi, and suddenly they said they could reactivate my account with no issues. Supposedly a new card will be sent to me within a few business days.

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 2020-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is reporting to the bureaus and attempting to collect debts that are time-barred and/or settled with original creditor. I received an invoice attempting to collect {$3500.00} on behalf of XXXX XXXX. This account was closed in XXXX and they, 10 years later are sending me an invoice to pay. The other two accounts, both of them XXXX XXXX were settled/paid with the original creditor in XXXX. 

In all, PRA is attempting to collect roughly {$5000.00} for accounts that are time-barred and/or paid. I want all three accounts removed from their database and from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
every month is the same, the only way I can get money off this card is by doing a money transfer to my cash app card but now I can not get any money transferred it tells my my bank will not allow it. The last time I tried was on XX/XX/2021 and again on XX/XX/2021. the amounts I tried was {$20.00}, {$25.00} and {$50.00} and the same thing for all 3 each time. I have had nothing but problems with this card from day 1 and when I contact them they tell me there is nothing they can do about it, that I must be doing something wrong. It is bad enough they have a {$500.00} a day limit to withdraw money but XXXX I can't even do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
there were XXXX charges against my card, totaling XXXX this happened in late XXXX all by the same person all from the same merchant {$5.00} and {$10.00} I submitted a claim the card company denied my claim I personnelly call many times XXXX or XXXX I spoke to XXXX different people on XXXX ocassion they stated that once a claim is denied that's it, no more talk, over there is no additional reviews allowed this is my XXXX direct deposXXXX account the card issurer is Direct Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have contacted Capital One multiple times telling them to stop mailing credit offers to my home when the addressee doesn't live here. I have written RTS on the mail and even called them, to which the associate told me that I would no longer receive mailings, but they still occur. I've run out of options other than submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Westlake Services, LLC
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I took out this mortgage in XX/XX/XXXX and I pay my mortgage on the XXXX  of each month, The mortgage started with XXXX XXXX XXXX company and sold/transfered to Newrez/Shellpoint mortgage servicing companies in XX/XX/XXXX. In XX/XX/XXXX I received a notice that I missed the XX/XX/XXXX payment and they said in a letter that they reeived the payment but it was returned for insufficient funds, XXXX months later, and the computer failed to send me notification that the payment was returned, impossible because the funds was in the account. per my bank statements, and i also have overdraft protection to cover any debit from my account. I have sented Newrez my XXXX XXXX  bank statement that shows the payment was posted on XXXX XXXX, XXXX but they insist that the payment is missing, then they said I missed a XX/XX/XXXX payment, I sented them XXXX bank statement that showed that payment was also paid. Then i get a notice that my paymests has increased by {$170.00} due to insurance and taxes, I am tax exempted because I a XXXX XXXX XXXXXXXX veteran perm. and total, My insurance should have {$2300.00} a year with XXXX insurance company. I have the policy from XXXX. I have received many many letters and phone calls from Newrez to the point of harrassment. I want Newrez to cease and desist from calling or writing me.From this point i will only speak with my point of contact at Newrez!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX. 
XXXX of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Duplicate inquiry from XXXX from Bank of America still is not removed as of XX/XX/. They said they would remove it within 90 days. Please remove it from my credit report per the attached letter you sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
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: Account information incorrect

Complaint:
I am filing this complaint against TransUnion and XXXX for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. Transunion reports the purging date to be XX/XX/XXXXXXXX  and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both TransUnion and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe TransUnion or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand TransUnion and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. TransUnion and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by TransUnion and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because TransUnion and XXXX are reporting two different purging dates is solely TransUnions and XXXX  default and they refuse to fix this on going issue. TransUnion and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. TransUnion and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.

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 2023-03-29
Company: Valor Intelligent Processing, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
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 a letter from Valor Intelligent Processing and immediately disputed the debt because its not mine. I asked for the debt to validated and gave them ample time to submit the documents I requested. Now here it is XX/XX/29 and it's suddenly popped up to my credit report, damaging my credit when they've NEVER submitted documents to prove this debt is mine when it's not. At this time I wish to file a complaint not only against the collection agency ( Valor Intelligent Processing ) for failure to comply written documentation to prove the alleged debt is mine. But I also wish to make an official complaint against XXXX for failure to properly validate the debt before applying it to my credit profile.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: RSH & Associates, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Great Lakes Federal Student Loan servicer has discharged a refund going to my old previous closed account to XXXX XXXX XXXX XXXX XXXX initiated on XX/XX/XXXX. Great Lakes has mentioned the funds was accepted but the account I had with XXXX has been closed since XXXX or XXXX. So far I have contacted 3 different XXXX bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My Great Lakes. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of GreatLakes letter and still haven't gotten through to a phone representative. MyGreatLakes did not verify with me my banking account information on file and I have made a payment in XXXX to GreatLakes from another account that I now currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened amex gold card because of XXXX welcome bonus advertisements. 
when I received it, I confirmed XXXX welcome bonus and all requirements. 
I spent more than {$3000.00} as required. and amex said I am not eligible to get welcome bonus. 
if they gon na give or not situation, they should not advertised for welcome bonus. 
their advertisements shows anyone who can get this card will get welcome bonus as promised.

Company response to consumer: Closed with explanation