BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
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:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 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 furnish an account without my written instructions. 

Unauthorized Inquiries 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 2023-06-16
Company: EQUIFAX, INC.
State: IN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has repeatedly contacted me for over a year in regards to several accounts in which I do not know about. Ive received several notices in the mail with my name on them, but that I have no knowledge of. They have not provided me with copies of a signed agreement between me and Midland Credit Management to use my name or social security number to pay them this money they are requesting. They are threatening to sue me for these accounts. They are harassing me and attempting to extradite me for money that I do not owe them. They have reported these debts to credit reporting agencies. Midland Credit Management has broken my consumer rights under the fair debt collection act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Someone tried to open a Citibank credit card in my name around XX/XX/2022. Received a letter from Citibank in the mail alerting me to the fact that someone was trying to open a credit card using some of my identification information. I figured this out given that some of the information in the credit card letter that Citibank sent in the mail was not familiar to me. I alerted Citibank and they initiated an investigation and closed out the credit card account. No money was lost and all three credit reporting agencies were alerted to this fraud.

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 2020-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a letter from Citizens Bank in late XXXX of this year ( 2020 ) informing me my accounts would be closed with no reason given. I had been a customer for over ten years with an account in good standing. I emailed the CEOs office to try and get an explanation or reverse the decision, but they treated me like I was just a waste of their time. Ive done nothing wrong. Something is seriously wrong with banking regulations if banks are allowed to do this. Only XXXX  and XXXX  should be treated like XXXX  and XXXX, not innocent customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: U.S. BANCORP
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
One year ago XXXX XXXX offered me protection with a 60 day money back guarantee. Within the 60 days I asked for a refund but they would not return my emails and I could not reach them by phone ... there was not customer support number anywhere on their website. I reported it to Fidelity Credit Card Company and they ruled in my favor and refunded the charge. 

Well a year later XXXX charged me again even though I didn't want the service in the beginning. Fidelity ruled in my favor and had me destroy my credit card and send me a new one. In my discussion on the phone you would think they would explain my automatic bank payments would now bounce, which they did. So Fidelity charged me {$30.00} for this. This happens every time they create a new number so why wouldn't they warn me that .... well so they can gouge me {$30.00}. 

Then they reversed their decision and decided I was responsible for the XXXX charge after all and added it back to my account It is a VISA card and the acct number is 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 monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/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 2022-03-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Worst mortgage company I have ever dealt with in my life if I could give them a negative score they would have it! The mortgage company constantly adds insurance to my account despite me already having insurance from the closing date. They also like to add escrow to your account despite me being exempt due to me being XXXX percent XXXX Veteran. Since they are a debt collector they will make your personal credit account 60 plus days delinquent for taxes that will show you aren't paying your mortgage even though you are posting payments that were never due and ruin your credit. They also take months 4+ months to fix the problem while you are stuck dealing with rude employees and managers that like to frequently hang up in your face. They never fix a problem in a timely manner they lose paperwork or don't document it properly which always effects your credit negatively. Worst of all I didn't even choose them as a mortgage company they brought my mortgage they will not contact you at all you if they have an issue with your account.They will illegally add incorrect payment status balances to your credit without even trying to speak to you. These practices are very predatory and prey upon individuals who would just pay for it without thinking be wary of a lot of late fee charges. No matter how many times you call or who you speak to nobody can speed up the process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2020-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
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 filing this complaint because I feel I was treated unfair. I was Pre Approved for a Mortgage Loan at Primary Residential in  XXXX , Ga. Loan Officer  XXXX   XXXX , was referred to me by my realtor  XXXX   XXXX  that said I should use this Mtg Co because they had a close relationship. Mrs  XXXX  got my permission to pull my credit  XXXXXXXXX  she stated I had a good score  XXXX . Mrs.  XXXX  started requesting documents and told me NOT TO HAVE MY CREDIT PULLED UNTIL AFTER I HAVE CLOSED ON MY NEW HOME. I did everything the loan officer asked I made sure to keep my credit in good standing as well. It became stressful when she had me sending the same documents over and over stating she was not receiving on her end. My  XXXX  in  XXXX  printer/copier/scanner broke down, I went to a  XXXX   XXXX  spent a lot of money faxing to Mrs  XXXX  she still said she was n't getting anything so i went out and bought a new scanner to send the requested documents for I did not want to lose out on this house. To sum it all up my wife  XXXXXXXXXX  from the  XXXXXX  that was caused. At that point since my realtor referred me to this company and they had a close relationship I asked the realtor can I send her the requested documents to forward to the loan  officer  she said " Yes ''. I sent the realtor all documents, she forwarded them to the loan officer. Mrs  XXXX  continued to take her time to get the loan closed.  XXXX  came I called Mrs  XXXX  to get an update she laughed and said she pulled my credit again  XXXX   XXXX  and that my score dropped so she was denying the loan. I asked why did she have to pull again why not use the report from  XXXX  so that it would not affect my score knowing that this would hurt me she hung up the phone. I did not give her permission to pull my credit   XXXX   XXXX     and yes it did impact my score. I feel that she did n't have much knowledge with getting the loan closed so she wasted lots of time gave me the run around so that I would end up having to start all over. I feel that if  Mrs   XXXX  would have processed my documents by sharing with the underwriter or higher superior i feel the loan would have closed in time. I hope this does not happen to anyone else this literally has me in tears.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02
Company: Red Cedar Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company called my fathers work phone number and left a message stating Red Cedar Associates was coming to serve me papers for a lawsuit this Wednesday. I spoke to a representative named XXXX on the phone with my dad on the phone as well. He asked me to verify my private information prior to releasing any information about the judgment against me or without telling me what the call was in reference to ( as I never received a phone call or voicemail prior to this ). He sent me and my father an email with the deposition that I will be served on Wednesday, but there is no reference to any lawsuit or any legal action to be taken. I have had phone calls like this before and I know they are scammers, as well this company has had numerous complaints and lawsuits filed against them in the past 5 years. I want something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I " am filing this report due to the numbers of errors on my credit report. I have accounts that were opened without my knowledge, or consent. Also, there are just plain out errors listed on my report. I found out that I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be deleted, according to 15 USC 1681 I have a right to privacy and I did give permission for these accounts to be furnished. I did not sign any contracts, nor documentation to open these accounts. These accounts listed here should be deleted XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX,. All of these accounts were opened without my should not have been reported. These hard inquiries were not authorized to be ran by any of these institutions, None of these in quiries are attached to an account. 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief