BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the 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 date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-10-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These are Wrong on my credit report I Should have no late payments to my file. I want these to be change to on time payments, and these need to be change within 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have been paying our mortgage a month in advance since XX/XX/XXXX. Received a letter from PennyMac, dated XXXX XXXX, XXXX, stating they would no longer accept our mortgage payment from our credit union and will not be sending ebill statements to our credit union. Our options, through PennyMac are to mail a check or money order, XXXX XXXXXXXX XXXX XXXX, OR BETTER YET, set up auto pay through THEIR website. We do NOT allow anyone to automatically WITHDRAW from our bank account! Mail system sucks here in XXXX and we have found another bank was sitting on our vehicle payments and not posting in a timely manner. We now drive to the bank and personally make the payments to end this process. We have been harassed by phone calls from Penny Mac to the extent that we have blocked their phone calls. Now we are getting harassed via emails on our phone. For example I have received 9 emails from XXXX XXXX XXXX this week alone. Our complaint is why this company DOES NOT comply as other companies do! It does not cost them to send ebills and receive payments ( with the proper acct information ) to/from our financial institution. This is a government backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
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 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2021-10-26
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:
On XX/XX/2021, I sent letters regarding unknown and inaccurate items listed on my credit report. More than 90 days have past without a response of any kind and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 91 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the 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 date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX IN Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021 2021

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the XXXX data breech and is most likely in the hands of the wrong people.

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 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In process of moving, I maxed out my Capital One credit card with a limit of {$1000.00}. So I yesterday, over the phone, I authorized them to withdraw {$550.00} from my checking account, which SHOULD have left {$440.00} balance available on that card. The {$550.00} came out of my checking account today, but was not credited to my Capital One card account. ( That Capital One credit card number is XXXX ) So I called Capital One and was told my credit card would stay maxed out, until the payment is processed, on the XXXX!!!! I told them that is XXXX, deducting it from my checking account on the XXXX, but not posting it to my credit card account until the XXXX!!!! Can they legally do this XXXX??? I KNOW they are earning interest on MY money for those days!!!! The Federal government doesn't view this as fraud or theft??!!?? Multiply it times XXXX, XXXX customers that they are pulling this scam on, it makes XXXX  XXXX  look like petty crooks!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, 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 explanation
Consumer complaint received 2021-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good evening. I had a credit card that I used that was mine an yes I use it often but one day I get a credit card that said XXXX  XXXX which I never applied for but I remember from my last marriage how my ex-wife knew about my personal information containing my social security number I called the company an told them it wasnt me who applied for the card an they couldnt do anything but bill me an now its very bad where its in collections an I dont know what to do can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: WLCC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted this company regarding this debt and was never put in touch with a live person. The lady said that someone would call me back and a few minutes later I got a call from a number that I did not know. I dialed the number back and it was a XXXX XXXX number. Totally feel scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WAKEFIELD & ASSOCIATES HAS YET TO NOTIFY ME VIA CERTIFIED MAIL AND OR TELEPHONE CALL I DO NOT KNOW WHERE THIS COLLECTION CAME FROM AND OR WHAT TYPE OF SERVICE IS OFFERED OR WHEN THE SERVICE TOOK PLACE AND OR WHAT TYPE SERVICE WAS RENDERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. XXXX XXXX  XXXX XXXX - XXXX XXXX  - XXXX 2. XXXX XXXX  XXXX XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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 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. 

And they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Summary : My credit card and account was frozen 5 times without valid reason. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transactions. Most were face to face transactions of under {$50.00}. The triggering transaction was a face to face {$20.00} purchase at an orchid farm in my home state. Another mentioned suspect transaction was a {$12.00} face to face purchase at a local bakery. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi, validated the suspect transactions, the same ones from the XX/XX/XXXX call. I escalated this recurring unwarranted freezing to a supervisor who stated the prior agents did not properly close out the suspected transactions. He stated all is good and it wouldn't happen again. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi. Agent stated account frozen due to malware warning on online account and unable to provide further details on the time and place of intrusion. I escalated this to a supervisor who clarified there was no malware, but the reason the account was frozen was a procedural need to change my username and password, which should have been communicated by the prior Citi agents and supervisor, which were not. 

This continual unnecessary overzealous freezing of my credit card and online account, exacerbated by a series of comedic agent and supervisor procedural errors, needs to be brought to light. 

Citi has all to benefit from overzealous freezing of accounts, at the inconvenience and cost to its customers, for me it was over 2 hours of phone calls ( attached is a call log to Citi 's customer service from my mobile, which doesn't include calls to Citi 's fraud, eservices and other calls ) and an additional 2 hours unlocking and recreating my online account several times. Standards should be set on the suspected transactions and amount of freezes.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 


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 XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2020-08-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written CMRE three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and called twice ( XX/XX/XXXX, XX/XX/XXXX ) requesting validation of this debt of {$380.00}, which I still do not have. I responded within the 30 day window to dispute, yet they had already reported this to the credit bureaus. The only thing I have ever received back is another invoice of charges, but no supporting proof of the debt. I have contacted the original creditor & they have no record of this debt at all. I have disputed with XXXX  and was told CMRE verified the debt as accurate when investigated. ( Although XXXX refuses to provide their method of verification. ) CMRE is violating my rights of the FCRA by continuing further collection activity, including credit bureau reporting, without validating this debt. They have ignored my requests for validation. This debt is not accurate, complete, or verifiable, yet they are continuing to credit report it. 

Furthermore, I believe they have re-aged this debt of {$380.00} from XX/XX/XXXX by giving it a new account number. I disputed this as well, but no response from CMRE.

Company response to consumer: Closed with explanation