BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These inaccurate addresses are reported on my personal credit file with XXXX and TransUnion credit reporting agencies. There is no name associated with these files. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD 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 2020-06-15
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 belongs to someone else

Complaint:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft 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 explanation
Consumer complaint received 2020-06-15
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This Amex was opened during a time I could not have possibly opened the account. It was opened XXXX of 2016 when I was in confinement. I have documents proving my wherabouts which can prove I would not be able to open an AMEX. I paid the account a couple years ago, because a debt collection agency kept calling me and thratening to granish wages. I didnt know about the CFPB at the time, but I'd like this removed and rectified. Ducment included in trial paper work which shows I was in pretrail confinement as well as my sentence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Im now having to reopen my complaint because you closed the last one just because they responded with the same lies theyve been feeding me and now you. Ive have shown undisputed proof to backup everything I have said and they havent provided not one thing to support their opinion. But yet you still threw me to the side and closed the claim because they said what lie they wanted you to hear. They also said to open a dispute so they could fix it and get my money. Well guess what? Ive already opned that dispute 4 times and they keep denying it and saying that same XXXX  about the merchant voiding the refund. Ive shown remarkable proof that the merchant never voided the refund. I have actual visible proof either the merchant stating that never happened. They even provided a confirmation / tracking # where the refund was successfully completed on their end. But cashapp  has the guts to sit here and lie and still say they voided it. The truth is Cashapp voided the refund and it must have been by mistake or whatever. I think they meant to void to original purchase transaction but instead voided the refund I should have received on XXXX. The refund even shows on my statement for XXXX sake and says the transaction was voided and the funds were returne me to my balance. That would have been great if it was the actual purchase transaction they voided and not the actual refund that the merchant did in fact send to me. Im once again uploading proof of all this. Just look at the files Im uploading. Cashapp is lying or theyre too ignorant to figure out what Ive just said happened and either way they have no business being in charge of peoples money in no shape way or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
I have an open unsecured loan open with America First. and a line of credit. I called in and made a payment towards my unsecured loan. When i make my payment over the phone i usually do another bank institution. by doing this they usually deposit the funds to the savings account then move the funds to the loan. End of XXXX i called in to make my usual payment, for whatever reason this time it was a bit different, rather then instantly going through the system had alerted the agent it was gon na take two business days for my XXXX $ to post. i had deposited XXXX. XXXX $ for my loan and XXXX $ for the line of credit. they notified me to keep an eye out and when they post to just move funds where i need them to go. the next morning i noticed all my funds had moved to the line of credit. when i noticed that error i called into the customer service and explained what had happened. they were able to verify my story by remarks by the previous agent. they had removed the XXXX from the line of credit and applied it to the loan. i thought everything was ok and everything was cleared. a few days later beginning of XXXX i noticed on my credit report it said i had a closed account, i thought it was a bit odd as i didnt request to close any account i was aware i had open. I went to go check my credit and it seems like by america first removing the XXXX it had made my line of credit seem as i was past due since XXXX XXXX XXXX The bank sent it off write to charge off account and collections without reviewing the details of my account payment history first. when i called to complaint of them closing my account the agent noticed i had made payments every month and wasnt sure why it was closed. its ruining my credit and has caused me to drop XXXX points becaus of there mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called XXXX and asked them for a copy of a lease agreement and an invoice or documentation stating what they said I " owed '' them. I found out on my credit report that I supposedly owed this apartment complex $ XXXX.The lady told me that they have been under new management since 2015 and she passed me over to another lady that explained to me that they do n't have me in their ledgers due to it being 7yrs ago and they would n't be able to give me any information about my lease agreement or charges and that I need to deal with the collection agency directly since they have the " debt '' and not the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
I WANT TO DISPUTE THE 30 DAY LATE PAYMENT this account was paid in full Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$7000.00} {$7000.00} {$7000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt of less than {$800.00} from Capital One was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received 6 pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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 have a capital One hard inquiry on XXXX XXXX that is fraudulent. Name, address and phone number are all not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2019-02-06
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is been reporting on my credit since 2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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:
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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX 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 an 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. 

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168115 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit Which is a violation. This is preventing me from qualifying for buying a house with my family. 
My address is only XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. Any other address is not my address. I attached my previous credit report to show where Experian, XXXX, and XXXX violated my rights.

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 2022-03-11
Company: PLAZA HOME MORTGAGE, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company has not paid property taxes from escrow account. Escrow account has way, way more money than needed. Taxes are {$950.00} AND county has added interest and penalties. Called mortgage company XX/XX/XXXX and was told " complaints and questions should be sent via email ''. Sent email and got " auto reply '' stating they will work on request and get back to me. Called XX/XX/XXXX and was told they were aware of the email and matter would be taken care of. Asked me if I had gotten any " delinquent notices '' from county and not to worry unless I do. Called again first week of XXXX and asked about surplus of escrow monies. Told again they would " evaluate '' the account and get back to us. Sent another email asking status after more interest and penalty added onto tax bill. Got only " auto reply ''. Sent email on XXXX stating if someone did not take care of this and/or call me back I would file complaint with CFPB. 
I was told by county treasurer 's office that if this tax bill is not paid they will report to credit agencies and that will affect my good credit Mortgage company absolutely refuses to take care of this and they will not respond to me either in writing or with a phone call Went online to check out this mortgage company and average rating was 1.4 and main complaint about company was their failure to communicate, late payment of taxes and insurance and they use escrow funds to pay the late penalty and interest and you have to fight with them to get a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ). A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/2021 presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.

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 2021-09-04
Company: ACIMA CREDIT, LLC
State: PA
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 a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Under laws of commerce an unrebutted affidavit stands as truth. I'm writing this complaint due to the fact that I haven't heard back from GM FINANCIAL nor have I seen this alleged debt removed from my credit reports. In the attached files you can find an affidavit of truth with exhibits, a cease and desist letter and a green return receipt showing that GM FINANCIAL has received all of the paperwork I have provided today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ENCORE CAPITAL GROUP INC.
State: KY
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:
I received a phone call from Midland Credit Management between XX/XX/XXXX - XXXX the agent stated that she was attempting to collect a debt. I told her that I had never contracted with them and that I do not owe them anything. I asked that she and her company cease and desist all communication about this alleged debt. I then received a package by XXXX  a few days later. Upon me checking on my credit report on XX/XX/XXXX, I notice that they were reporting this alleged debt to the Credit Reporting Companies as well which is a violation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Shellpoint Partners, LLC
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:
Shellpoint continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation