BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have been disputing an account on my credit profile since XX/XX/XXXX. When asked how are they verifying this item they will not respond at all via mail. This has happened multiple times. There are even times I have disputed this account and never got any feedback or results over the years. I have called and they told me the company name that is verifying the information. The court was the first company. Once I contacted the court they stated that Transunion has not reached out to them for verification and that they do not communicate nor report to the reporting agencies or 3rd parties. They then told me that XXXX is who is verifying the account. I contacted them as well and they did have a bankruptcy on there. After I disputed this it was removed. I then disputed with Transunion again and since then they are refusing to even dispute the account because it has previously been disputed. I sent them documentation from XXXX showing there is no bankruptcy. No matter what documentation I send in they say it is verified still because they are refusing to dispute it. At this point, this account has been removed from both of the other credit reporting agencies XXXX back in XXXX and XXXX this year XXXX. Transunion is refusing to even help. They refuse to look into it any time I call, they refuse to respond once I catch them lying about verification methods and that they already have documentation showing that is inaccurate, and then they hang up on me once I ask for a manager or supervisor.

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 2021-07-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This year i disputed with CFPB XXXX debt that Midland Credit bought from XXXX XXXX  and did not have any signed documents with me showing i owned the debt. It was removed from my credit file by Midland Credit. They have been calling my phone harassing and calling from goole number of all types of area codes. They are located in California and i did not acquire any debt in that state. They have hired a law firm in XXXX florida to fie a lawsuit in the state i live trying to sue me for XXXX because i ask them to proof 2 other debts they bought. This is an uneccessay filing and another form of harrassment and tactic to me as a consumer who has been out off work due to the pandemic and i have underlying medical conditions, which i wrote an explain to all the creditor i had signed contracts with. I am being targeted and harrassed by the company that i do not even reside in the state with calls and tactics, but they failed to provided anything in writing i have with them.This debt has been disputed and they still showed no proof this is my debt with CFPB. I want the CASE they had filed in my state drop and cancelled or dismissed. I will also be notifying the state of florida attorney general on monday. i have obtained a lawyer to counter sue if they fail to drop this case and or have it dismiss and leave me alone. case filed XX/XX/2021 Civil case # XXXX XXXX County and they reside in XXXX XXXX California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
On XX/XX/XXXX, I moved from a apartment complex called XXXX XXXX. Upon moving out I was advised I owed XXXX dollars. Two years later approximately I received an alert from XXXX XXXX, advising me I had a collection item on my credit upon research I found FCO had put a collection item on my report. I immediately contacted both the leasing office and apartment complex to find out why I the debt was not communicated with me as per my consumer rights. No answer was given, instead I was told if i paid {$150.00} it would be removed. I obliged due to the amount and as I wanted the item removed. I am sad to say its XX/XX/XXXX and up to todays date FCO has not removed the item as their previous rep advised me ; and I am being denied credit due to this delinquency. Which lenders are citing as a reason to deny 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently checked my credit report and noticed that the bureaus have added unauthorized information to 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: MS
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:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do 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 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I called to ask about opening my LOC up from being frozen. I have been making payments on time for XXXX months. I was told an underwriter would need to review and I would hear back in XXXX days. I have not heard or seen any communication and the LOC is still frozen. This is consistent poor behavior from BOA and there is no information on my online profile what status my loan is in. 

Every time I call in i get bounced around and no one has the right information.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are thirty hard inquiries on my Transunion report that I do not recognize. They are as follows : XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXXl Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXt Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX 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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX I used my American Express to purchase an item for {$430.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX XXXX While the store employee named XXXX still had my card, another two employees took me into a back room, gave me alcohol, used a light wand on my face, then took pictures of me. During the time XXXX still had my card she made {$9800.00} worth of further purchases to my card, unbeknownst to me. 
When I returned home to find a single receipt for my {$430.00} purchase, plus multiple items I did not purchase in my bag I checked my online account and found the extra charge for {$9800.00}. I did not know about this charge or the extra items. I returned the unopened items still in their shrink wrap to the store. I did NOT purchase these items, I did not authorize the charge on my card, and I do not have the items. American Express is still holding me accountable for the {$9800.00} because I gave my card to the employee to purchase an item for {$430.00}. I was completely unaware of the extra purchases for {$9800.00} made by the employee XXXX while I was in the back room. This is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 disputed a transaction with Capital One. I requested the accommodation under the ADA Title III that Capital One provide me with assistance, allow me additional time to respond if needed, and respond affirmatively to my accommodation request. Capital one did not respond, and unfairly denied me my rights under the Fair Credit Billing Act regarding my dispute. Capital One has NEVER responded to any of my accommodation requests under the ADA Title III, has repeatedly denied me my rights under the Fair Credit Billing Act due to their blatant refusal to respond to accommodation requests under the ADA Title III. In addition, I have had capital one customer service representatives hang up on me with I request an accommodation, or mention the ADA Title III. Capital One has denied me my rights under the Fair Credit Billing Act regarding my dispute with Case Number : XXXX XXXX  billed on XX/XX/2021 for {$790.00}. The did not give me enough time to respond ; they did not explain what they needed, and why they need it ; and they refused to respond my accommodation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : 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 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 2023-05-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: PLAZA HOME MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Plaza Home Mortgage with loan # XXXX. I follow the instructions on their website. Their website recognizes the information of my loan and it forwards me to the servicer. The servicer yourmortgageonline.com does not recognize the information of my loan, so I can not make the payment. This may cause 1-2 days delay. They will not answer phone calls in the weekend. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: MARINER FINANCE, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: TX
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:
Between XX/XX/2023 through XX/XX/2023 my credit card was used with this business for over {$4000.00}. I have reported to the company Synchrony that these charges were fraudulent. I filed a claim with the credit card company and XXXX. Claim was denied. This is apparently an online betting service. The XXXX company refuses to give any accounting of any accounts that they have attributed to me. The company has several complaints about the same thing that happened to me. XXXX has received over {$4000.00} from this credit card in small increments within 7 days. This activity is not like any activity I have ever had with any synchrony card. This should not have been allowed to go on without speaking to me at the very least. I called the fraud department after they rejected my claim. This card per its terms of service has a protection against this exact thing and also says the same thing on the letter I received about my claim. I requested they send me what XXXX provided the bank that allowed them to deny my claim and to see what information they received I was told they had no documents and the company just said they verified my email address and simple things like that, but nothing else. I was told that they had no documents they could send me to show me what information was used about the XXXX transactions that allowed them to deny claim. They said they could not send per policy. I asked that I be sent that policy. She said she couldnt. I asked who her boss was and she said she did not know. She did say they reopened the claim, but I do not see any evidence that it has. The funds that I have filed a claim on are not removed from the credit card, which is affecting my credit score in a negative way.

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 2021-03-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called and mailed numerous requests regarding these inquiries that did n't belong to me.      XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX    XXXX   XXXX  e  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  via  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