BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I've called and was told that the debt was a different amount and asked that they provide the correct documents. Was put on hold and once I turned on my voice memos and was then hung up on. Called back and an XXXX XXXX male by the name of XXXX XXXX got on the line and I informed him that I would be recording this call for my protection as well and began to explain the reason of my call and was cut off my XXXX XXXX and he stated that this is XXXX XXXX and you filed a complaint with the CFPB. I said to XXXX XXXX to please not cut me off and let me explain the reason for my call and then he continued to cut me off and became very hostile and said that I can not record him. I explained to him that I'm recording for my own self as protection as well. I asked for all the documents that shows the amount that was owed, proof of debt, leasing agreement with my signature, bank statements that XXXX XXXX stated that he has. He would not stop talking as I continued to ask for these and stated that he was going to play back the call so he can prove of things that I said to prove that I was incorrect in what I was asking. I asked multiple times to play the recording and he continued to try and get me to become aggressive as he stated that he would disconnect the call. He also stated that he would contact my local police department for harassments as I stated that I would call back if his disconnected the as I looking for their burden of proof to provide accurate paperwork of the debt. I asked him to send this to my current email address and he stated that " oh now you are using different email. As if this is a crime and he began to become aggressive and I stated to him that he needs to watch his tone. Called back and was placed on hold and then XXXX XXXX and he then stated that he if he would've had more respect for me and handle the call differently because he comes from a family of vets. So he is also showing bias with the people he is trying to collect from. I was told that he was going to block my number and I would not be able to call and if this is the case, then this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened up a new business checking account with USBank for the first time. I responded to a promotional offer USBank sent me, which offered {$500.00} in new business account setup after {$3000.00} was deposited into the account and maintained for 60 days. Then, on XX/XX/XXXX, I receive in the mail a paper statement from USBank informing me that a {$6.00} " analysis service charge '' was assessed to the account. I immediately called USBank and spoke with XXXX, who informed me that USBank charges a monthly {$6.00} service fee to receive a paper statement in the mail. 

This fee was NOT disclosed on the offer signup, nor when I signed up with the account. As a result of the {$6.00} fee, my account did not maintain a {$3000.00} threshold amount. XXXX walked me through my online account to turn off the paper statements, so that a fee would not be assessed AND XXXX credited back the {$6.00} XXXX paper statement fee, as well as the future XXXX statement fee! 

A statement fee was NOT assessed on my account for XXXX or XXXX, after XXXX setup my account AND by default, USBank has set up my account to receive a paper statement ... that was NOT my default preference and I did not agree to a {$6.00} bank statement fee!

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 2022-11-25
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Nordstrom card through their secured messaging to let them know I needed help after a XXXX XXXX my child had and its going to affect us financially. They wanted me to call instead of communicating over messaging. I am XXXX XXXX and have a very hard time XXXX and XXXX over the phone. When I brought this up Nordstrom card kept saying to call. And I repeated again that it wont work for me because Im XXXX XXXX. No one seemed to care and refused to comply to XXXX methods when it came to my XXXX Instead of working with me Nordstrom Card reported me as 30 days late when I needed help. I feel like Ive been discriminated. I am a XXXX veteran along with that. 
I also asked them to stop calling my phone but they continue to do so. Speaking louder or yelling or whatever they had planned doesnt do anything for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under.

15 U. S. C. 1681 section 602A. States I have the right to privacy.

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.

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 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Capital One several times on the phone and by sending a total of 4 letters throughout the past few years about the late payments on my credit report and filed several disputes through XXXX. They said no to fixing it each time. I had just recently learned that they could not report late payments until it was 30 days past due not immediately past the due date and none of the 2 late payments were past 30 days. I thought each time I called and mailed they were looking at my account to verify but I dont think they ever didI provided statements to XXXX and capital one still did not fix it and rejected proof. They have hurt my financially and my living options due to an error on their end that after contacting them so many times is not an accident. I provided my statements as proof, I called and no-one at any point said they werent actually looking at my record. I have two false late payments destroying my credit and pleading ( I actually have pleaded ) with Capital One has got me nothing. Even XXXX support agents say yeah the statements you provided do show you never made a late payment but its all up to capital one to decide if we take it off!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting derogatory on XX/XX/2020 with payment status of collection Chargeoff when account was settled with chapter XXXX bankruptcy. If account had been charged off I would have received a 1099 form.

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 2023-04-13
Company: EQUIFAX, INC.
State: GA
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXXXXXX 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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-06
Company: EQUIFAX, INC.
State: MO
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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:
There are fraudulent inquiries and inaccurate information on 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 2022-10-31
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Onemain financial broke 3 laws and i need to revoke my signature and this contract needs to be terminated immediately. 

I have been harassed everyday by onemain financial. It is illegal to harass a consumer!!!!! 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. i have much proof of them harassing me!!!

Its against the law for creditors to charge consumers with late payments! ' According to 15 usc 1681a, consumer reports are not allowed to include transactions!!! 
This is against the law!!! 

Lastly My contract did not include the sum of all charges 15 U.S. Code 1605 indicates that the finance charge has to be included with the sum of all charges. That did not happen. 

This contract needs to be terminated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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 2023-06-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022 I was give a 30 day notice to evacuate the premises by XX/XX/2022. If I didnt vacate the premises I would be evicted. I signed my new lease in a new city on XX/XX/2022 and all my possessions were out on XXXX XXXX. The key was returned on XX/XX/2022. They attempted to get money from me via email then I had to give them the full run down about the 30 day notice and provided pictures of the apartment. After providing the information the assistant manager responded thank you for the information and never received an email after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: 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  Account Number : XXXX Account name : XXXX XXXX XXXX account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-04-13
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$310.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation