BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # XXXX 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.

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 2022-07-12
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:
I noticed recently that the Three credit reporting agencies show a new collection account XXXX XXXX XXXX XXXX XXXX the shows me delinquent on a XXXX XXXX XXXX card in the amount of {$250.00}. Ive never had a XXXX XXXX XXXX XXXX I've called XXXX XXXX XXXX and spoke with a representative and they agreed it's my name however not my address, ss # or any other of the information they could verify and said they would fix the issue. I wrote to them also, and just can't get anywhere with these folks. Please help! 
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 explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CITICARDS CBNA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part.

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 2021-03-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is the worst company I have ever seen. Their employees are constantly either lying or making things up and nothing ever gets done. They have negatively affected my account and my credit. Their incompetence and negligence continues to affect me. 

My loan was placed in forbearance while I was unemployed. I called in XXXX to end the forbearance and was told I had to call back in early XXXX when the forbearance ended. I called multiple times a week to end the forbearance. Each time I called I was told the forbearance would be removed. After every call I was assured it would be removed from my account and the note would be removed from my credit. In each case there was no follow through. The Forbearance was not removed from my account and the note was not removed from my credit. I was told in mid XXXX that i had to pay the amount due from when my account was in forbearance in order to end the forbearance. I did not want to since it was all the money I had, but i was forced to and did just that. However, the forbearance was still not removed. I Finally called in XXXX and they had the nerve to tell me I had not called and that I was re-enrolled in another forbearance. I have been calling for almost two months and yet the note is still on my credit. After calling multiple people at XXXX I finally got to the escalation department who did to try to get my account updated. This is outrageous and unacceptable. I want my records updated and yet can not seem to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

3. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They called me at XXXX and often harass me with multiple calls a day, typically while im at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Upgrade, Inc.
State: FL
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:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Spring Oaks Capital, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the Fair Credit Reporting Act, to request information regarding an item that is listed on my consumer credit report. Spring Oak Capital, account number : XXXX. According to the Fair Credit Reporting Act, Spring Oak Capital is legally required to report accurate information. I am demanding they remove or provide proof that they have lawful contract with me to pursue the debit in question. Refusal will consider a Willful Violation. Fair Credit Reporting Act, 15 U.S.C. 1681n ). For willful failures to comply with the Act 's disclosure requirement plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Violations : 15 U.S.C. 1692e : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S.C. 1692j : Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit 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 2021-01-02
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I received a notice that my account was not current. I was confused because my bank showed that I had been charged ( through direct payment ) the {$450.00} that I had agreed on with the car dealership. I called the automated system and heard the date of my last payment and the date of my next scheduled payment. Since the system stated I did not have a payment due until the middle of the next month I believed that I received this letter as an error. 
I received another notice in XXXX, still feeling confused I called on XX/XX/2020 and spoke to a person by the name of XXXX. She informed me that the payment amount was {$450.00}. I told her that my agreement with the car dealership was for the payment amount of {$450.00}. She said she looked at the paperwork and did see that {$450.00} was the correct amount, she said she would change the amount to {$450.00} and remove the late fees. 
A couple of weeks later I received a letter stating that I had a late payment reported to the credit bureaus. I called and spoke with XXXX on XXXX and he explained that my payment had changed to {$450.00} due to an increase in taxes. Apparently, this change happened over a year ago and since my unpaid balance had reach over the {$15.00} dollar mark it was considered a late payment. I was never notified of this change and XXXX was also unable to explain this change in my account. I went ahead and paid the amount that was due. I explained my frustration to XXXX and asked that he have a manager look into the conversation that I had will XXXX and get back to me so I could see what I needed to do move forward. I never received a call back from anyone at USbank. This is when I filed a dispute report. USbank  denied my dispute to remove the mark from my credit. 

I am very disappointed with the way all of this has been handle. I always make my payments and I should not be penalized for USbanks inability to communicate. I was NEVER notified that my payment changed. When I called the automated system, it told me that I did not have a payment due. When I did talk to a live person, I was told that I had resolved the issue, and now my credit has been harmed. At the end of all of this I could not even get a manager to call me back!

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 2019-09-18
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern I tried solving this matter with Pnc but it could not get done I have previously disputed a purchase transaction of XXXX at XXXX store and the money was at first given to me as a temporary credit and than Pnc took the money back and caused me to have my account negative and overdrawn. I called them And explained them the situation and how things happen that day the representative at XXXX was very busy. And wen it was my turn I paid with the Pnc card and than ask the guy to dont process it on the card that I would pay cash apparently it was already to late and the payment was taken cash and the representative said I would get the money refunded that never happen. Now Im overdrawn and I did contacted XXXX and they said they will contact me. That is not fair I paid cash and the money on the card should have been refunded back to my de it card. But nothing happen, I am experiencing a very difficult financial hardship situation at this time since my grandmother had a recent expensive XXXX at high cost and medications at high cost and I have no money left to cover the overdrawn fees I attempt to deposit a check and that still caused me to get my account overdrawn some fees were adjusted but new ones appeared as of yesterday of XXXX even. 
I am very broke and this fee would not have been here and could have been avoided if XXXX would have been responsible nor Pnc wished more time while XXXX credited the money back but they did not and this caused me to have fees un wanted fees and overdrawn fees. I need it those XXXX for my grandmothers medications and now Im unable to purchase them because I had to deposit the funds to cover the XXXX before it hit a new overdrawn fee. And it did. 
I need it that money for my grandmother medication I dont know what can happen if I dont get her medications as I have no money left to do so my grandmother health is at a risk of getting worse or complicating her health without the medications need it. Pnc gave me a hard time and the representative too as I tried to explain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: R & B Corporation of Virginia
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, ( XXXX XXXX ) Had a cable account with XXXX at my address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. We had bad service so we cancelled the service and started service with another provider. We documented everything in minute details. 
We were told a shiiping box would be sent which arrived in 2 days. We put all the XXXX equipment in a box took PHOTOS of the contents, and took PHOTOS of the shipping document. THis was on or about XX/XX/XXXX. 
The XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. We later verified that I had been delivered successfully. We shipped the package ; dropped it off at a XXXX store in XXXX oregon and have a copy of the shipping document. We have had no less than 7 phone calls first from XXXX and now from credit control at XXXX XXXX XXXX, ( XX/XX/XXXX ). I have kept all my letters also which included shipping documents, photos of the shipping documents and delivery confirmation number. 
In the first letter I was clear that this was a disputed debt and I didnt owe a penny. I did notice that when XXXX  did the install of equipment they tore up the sheetrock in the garage and in my last communication I also informed them that they owed me {$150.00} for professional remediation for the damage. When I spoke to a XXXX today at credit control I did inform her that I have mailed XXXX   numerous times the communications ( by us mail ) that this was a disputed debt, and to not contact me further. 
I think they violated the fair debt collection practices act. 
I have kept scrupulous notes and documentation on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, XXXXXXXX XXXXk XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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 2021-03-04
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with Equifax, XXXX  AND XXXX  and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I sent disputes to XXXX and its been more than 30 days since I heard from results of disputes. Most of all of my disputes are older than 129 days or they are charge offs or they are in limbo and action is not being taken expeditiously

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 2021-06-10
Company: EQUIFAX, INC.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a copy of my credit report and found the following items to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2021-08-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: 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.

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.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XXXX. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( 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