BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A notice was sent to these companies making alerting them I am aware of their fraudulent reporting. They were not given permission to report my information and therefore they are breaking the law according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. I will move forward with proper measure for my consumer rights being violated

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached repo

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 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint stems from confusion about a letter received by the bank. I am struggling to make my mortgage payments as XXXX  has impacted me physically and financially. I applied and have been approved for the NYS HAF program with the assistance of the local Belmont Housing Services. I received a letter dated XX/XX/2023, from the bank regarding the program but was conflicting as to payments. The bank advised they would handle any mortgage payments sent to us while regular payments are being made through the HAF program. Subsequently, it stated to remain in the program I must continue to meet eligibility criteria and comply with my agreement. Further, the letter states mortgage payments are not required to be made to Bank of America which I had been doing so.

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 2018-08-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a disput to equifax stating there were errors in the two bankruptcy entries I have on file. I responded to the courthouse and they gave me the correct dates which were reported wrong by equifax. I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate. I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX, but then the same inaccurate information reappeared on XX/XX/XXXX. No proper investigation in my opinion was done and they should delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the 4th or 5th time Ive written regarding this. Today - XX/XX/ I received a letter in the mail from this debt collection agency for XXXX XXXX. I have repeatedly said to stop sending mail & all other forms of communication to me. You continually ignore my wishes. Consider this notice pre litigation. If you contact me or my wife again you will be before a judge & I will win. Ive had enough. DO NOT CONTACT ME OR MY WIFE AGAIN!!!!! 

Dont give me the nonsense about being obligated to send me mail. My son works in XXXX XXXX. You do NOT need send a notice when youve been told not to. These debts will never be paid. This is criminal harassment at this point. PA crimes code 18.2709. Ill file both a civil suit & a criminal suit if I receive more communication from this agency. And before you think this is an empt threat I am a XXXX XXXX XXXX. I will 100 % seek legal actions. 

Further dont call it a validation notice. Ive NEVER once requested validation of a debt. The only communication Ive had with your agency is the communication telling you to stop harassing me. 

Its not hard. STOP CONTACTING ME

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 2023-06-05
Company: Resurgent Capital Services L.P.
State: VA
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 this account with the credit reporting agency in XX/XX/2023. They have yet to place a statement that indicates that account in dispute. It has been exactly XXXXdays. This is a collection account with incomplete and inaccurate data. It states that the date it opened is XX/XX/2023 except no data for either XXXX or subsequent month exists. Also it reports it as a collection as of XXXXXXXX XXXX, XX/XX/2023 according to XXXX consumer report. No payment history. I, never established an account with LVNV, I have requested for documentation evidencing detailed records. They have deceptively contacted me via email using other company names such as " XXXX XXXX XXXX '' which is a clear violation of the FDCPA. They are using false representations of characters, amounts, and legal status of any alleged debt. 

Please see attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have Things On My credit thats not recognized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXXXX/XX/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 2020-03-23
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 is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX  deleted from Equifax & XXXX credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF XXXX  CREDITCARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account # XXXX. 
Was disputed & challenged in XX/XX/2019 with Experian. However, the company has responded that the funisher has verified this account, Without providing methods of verification as requested. This is a violation. 

Experian is currently reporting XXXX XXXX XXXX with a payment history after account has been closed and placed in collections. This is a violation. 

Experian does not report the last date of payment received. A violation

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 2022-03-29
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I haven't been to a doctor in almost 7 years, so it is impossible that I owe a medical debt from 4 years ago as they are alleging. They claimed to have provided proof of the debt to the credit bureau, but that's impossible because they would need a HIPAA release form that I have never signed nor provided. This is medical fraud, and they are either lying, or providing falsified documents.

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 2021-03-31
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My account number is XXXX. OnXX/XX/XXXX I called into XXXX XXXX XXXX and I spoke to a XXXX at XXXX. She started the call asking for my Social security number and then provided me with my first and last name. She refused to assist me and stated that she would not approve a payment plan for me because I would not give her personal information. I stated I what I could pay however she would not set anything up for me. She was unclear and would not answer my questions on what would happen to my account. I asked to make a payment and while I was walking to my wallet she laughed at me and was very rude/unprofessional. I called back and talked to a XXXX at XXXX he did not ask for my name or social security number and provided me with my account number over the phone. I am concerned about information released and the fact that the company refuses to assist their customers. XXXX did not even attempt to help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting 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:
I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your prompt attention to this urgent 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 2023-10-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2021-11-04
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Penfed screwed up my home equity loan, and reported me late on a payment in XX/XX/2021. My original account was with XXXX XXXX XXXX XXXX. XXXX closed and transfered all members to Penfed FCU. Pedfed had troubles getting my home equity loan migrated to their system. I repeatedly called them in fear of being marked late. They assured me that would not happen. A day or two later, I received a phone call from Penfed that I was late on my account. I made that payment with that caller immediately, but not before Penfed already reported to the the credit agencies. I was not late, and Penfed agreed that it was their fault. I have a letter from Penfed acknowledging their error. But they had already reported it to the credit agencies. The letter dated XX/XX/2021 states that they will correct error and have my accounts through the agencies cleared. As of this writing, XX/XX/2021, the credit agencies still show that late payment, and have reduced my credit rating. I've tried to contact Penfed, at this time there has been no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 

Also, Experian said they investigated my claim and have " verified '' my inquiries only but they are still reporting inaccurate information My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX  XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements

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 2023-03-12
Company: Capital Management Services, LP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I emailed Capital Management Services , LP on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/202XXXX XXXX XXXX XXXX XXXX I received a voicemail from a 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 2022-02-18
Company: EQUIFAX, 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:
I have disputed XXXX ( XXXX ) accounts with Equifax and XXXX for over XXXX ( XXXX ) months. 

XXXX. Equifax : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit XXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: PLANET HOME LENDING, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I filed bankruptcy and Discharge in XXXX. The 2nd mortgage company disappeared in the bankruptcy and returned 9yrs later demanding repayment with interest or foreclosure. Because they disappeared and I couldn't locate what happened via numerous calls, I assumed the loan was Discharge as well until about 8-10 m9nths ago I began getting statements.

I'm attempting to get a loan remodification and pending the result but fear if they deny it, I'll see the home. The next hearing is XX/XX/XXXX when we'll discuss what happens next which would be only a couple weeks from the scheduled foreclosure date. 

Shouldn't yhe loan have been forgiven after 7yrars of no contact or interest in the property anyway. Nor have they reported to any credit bureau for 9years displaying no interest until now, and I'm beginning to believe it may be foreclosure fraud on senior citizens.

Company response to consumer: Closed with explanation