BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account in question : XXXX XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to XXXX and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from XXXX. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a debt collection notice from Phoenix Financial Services for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my XXXX XXXX  and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my XXXX XXXX / personal XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: WA
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 XXXX Account # 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 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 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
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:
As I educated myself on Fair Credit Reporting Act, I asked Experian, XXXX, and XXXX several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, XXXX, Experian did not do so. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXEmail XXXX Tranunions, XXXX Ceo as last resort before I Sue them.

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 2022-02-14
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Discover Bank and was denied in the pre-approval process. I have been discriminated against and there was an adverse action taken against me. As a consumer, I know that they will gain financially by using my personal information. Also, the corporation will use my application as a valuable instrument to profit as well. I feel that I should benefit from this consumer transaction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MD
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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International at XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of {$2200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX  XXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom may concern This is a notice of default and opportunity to cure for Midland Credit Management Inc. as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 
You failed to respond my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation and other several violations in the exhibit A ( attached ) Not only they ignored my prior requests for validation of debt included in the cease-and-desist letter ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. 
These two certified letters, receipt number : XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM and XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM was to formally advise you that I believe your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

( Letter attached sent to you previously ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 

I will reproduce an invoice and send it to your company with Federal violations due to me by your company if you don't comply with my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Caliber Home Loans and I have gone back n forth trying to get this handled. There seems to be only one remaining erroneously filed lien by Caliber with HUD. This last one we need to see satisfied is loan # XXXX .... MIN # XXXX ... XXXX XXXX # XXXX partial lien in the amount of {$18000.00} OR XXXX XXXX pg XXXX on XX/XX/XXXX We have been working towards correcting Calibers mistake from XX/XX/XXXX since the middle of XX/XX/XXXX when it was discovered during closing month XX/XX/XXXX by title company. Title company is holding back XXXX in funds owed to me due to Caliber 's erroneously filed lien mentioned above. They have promised to try to fix this. even said they included a VP to try to help. Not that I can speak to anyone beyond their XXXX team. And no one is owning this mistake. its not just a balance owed. I am a person trying to close this loan out. trying to move forward, and yet bc of an error that Caliber will not correct with HUD, I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Their investigation did not fix an error on your report

Complaint:
I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX XXXX Equifax are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXXXXX XXXX XXXX Equifax XXXX as last resort before I Sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item from XXXX in XXXX and returned it in XXXX. XXXX sent me an email dated XX/XX/XXXX stating they processed a refund for the item in the amount of {$34.00} to my original form of payment which was Discover card ending in XXXX. I waited a month to allow sufficient time for Discover to post the credit to my current account. When this did not happen, I called Discover on XX/XX/XXXX. Discover said their records only go back to XXXX, so since the card is from XXXX they do not have the record and therefore can not issue the credit. I subsequently called XXXX on XX/XX/XXXX and asked if they could process the refund to my current Discover card, but they said they could only credit to the card used, XXXX. 

I feel the responsibility for issuing the credit to me lies with Discover. Since Discover closed my XXXX account, it is their responsibility to transfer any credit from the XXXX account to my current account. The merchant, XXXX abided by their return policy and issued the refund back to my original form of payment. The transaction successfully went through to Discover and they have my money, but is unwilling to transfer it to my current account. Discover has a history of not transferring credits from my closed accounts to my current account unless I call to initiate the process. This has occurred several times in the past. I feel Discover is using deceptive practices to avoid crediting consumer accounts. I then filed a complaint with CFPB on XX/XX/XXXX against Discover. 

Discover responded to the complaint on XX/XX/XXXX stating they will not return my money because they don't have a record of my Discover card ending in XXXX. Discover stated in their response that they maintain records for up to 7 years, but the card in question is 6 years old. So why they don't have a record of the card does not make sense. 

Whether Discover still have the record of my XXXX card is irrelevant. I used the XXXX Discover card to pay for the item. XXXX has a record of this Discover card transaction. I paid Discover cash for the credit used. Since XXXX sent the credit to Discover and Discover no longer have the XXXX account record, they should have issued me a check. 

I made an error on the XX/XX/XXXX complaint that XXXX issued me a gift card. XXXX did not issue me a gift card for this item. XXXX confirmed that they issued a credit to the Discover card that I used to pay with. Discover did not do their due diligence in investigating my complaint. Discover is using this error to avoid returning my money. I have already paid cash to Discover for this item in XXXX. For Discover not to credit my account or send me a check for the amount is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the loss of both of my parents who were not insured, I was left with the responsibility of burial and funeral expenses in XXXX. This caused a great financial burden in addition to XXXX and caused financial stressors in XXXX. We applied for the XXXX in XXXX and was awarded funds of approximately {$5000.00} to help with our past due balance and escrow. On XX/XX/XXXX, we completed the grant agreement. On XX/XX/XXXX, funds were dispersed via ACH to Rocket Mortgage as well as other partners that we gained grant funds for. On XX/XX/XXXX, all the other companies had received and applied those funds. To date Rocket Mortgage has not. Nearly two months later. They have reported the mortgage as delinquent to credit reporting agencies when they've physically had possession of the funds. And their delay in processing the funds and applying them to our account has caused an escrow shortage causing our XXXX payment to increase by {$400.00}. YET, it only takes them 24 hours TO DEBIT your account with an ACH payment. We made our absorbent payment yesterday at approximately XXXXXXXX XXXX. and had already presented the check to our back by XXXX. They are threatening acceleration on the mortgage when they NEED TO ACCELERATE THEIR PROCESSING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from Experian and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, Experian has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked Experian to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance 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 2022-04-13
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX XXXX XXXX Balance Owed : {$1500.00} 2. XXXX  XXXX XXXX Balance Owed : {$640.00} 3. XXXX  XXXX XXXX Balance Owed : {$1900.00} 4. XXXX XXXX  XXXX Balance Owed : {$3200.00} TRANSUNION XXXX 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Update or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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