BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-07-28
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had online accounts setup with XXXX, XXXX, Transunion, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Not sure on dates but Portfolio Recovery continued to call daily several times a day not only me but my husband. They used tactics not appropriate plus inappropriate language. They also purchased accounts which were not original creditor threatening to take to court. They continued this process until they sold them to other companies. This should be illegal to continue to sell accounts for Pennies on the dollar over and over taking you to court when they do not even have original contract or etc. All these companies put them on your credit and try to start over from original date of contract. I think you should also put XXXX a lawsuit as well or any other debt company who is buying debt for Pennies on the dollar and beginning debt over from date they purchased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I was approved for a modification, I went through the trial period, paid accordingly for XXXX then in XXXX I attempted to make my payment by the same method and was not able to. During this time I concurrently applied for a GA  Homeowners Asstance Funds Application per my Servicer. 

I later learned 45 days into the process that this program is subject of an investigation due to some fraudulent activities within the project itself. 

I received conflicting information from several relationship managers on which avenue would be most beneficial in correcting my default due to covid and the subsequent forbearance exercises. 

I have sent in many documents proving my income, proving my SS. When the forbearance period ended I made all payments up to date until XXXX, until I was informed I could not make any further payment and that my account was refered to a lawyer. 

When checking my documents I could call on a Friday and then on Several Days Later, I am asked for more documents. It was under lots of stress, so I reached out to my Congressman on NC and GA. 

In addition to the aforementioned, during the years of XXXX  to present, my daughter was battling a very serious bought of XXXX XXXX, and at that time she was undergoing XXXX and subsequebtly preparing for XXXX for removal of a XXXX XXXX. 

I did my best to manage all of the issues I was goung through during those years. 


Concurrently, I also have a brother that is a XXXX XXXX, and was battling a reccurance and also dealing with a XXXX XXXX XXXX that left him XXXX partially, and unable to perform duties as he did before the onset of the XXXX XXXX. 

A relationship managers has asked if I can catch up with my payments, in which I stated yes am able and have been prepared for this. 

I was traveling back and forth between my brothers home of XXXX XXXX and my residence in XXXX to ensure that both of my family members were getting proper care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago.

3. The current payment account status is 120 Days Late but the account is Listed as closed.

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received.

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely 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 explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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 2023-04-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX # XXXX XXXX, XXXX ) XXXX XXXX XXXX  # # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX 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 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Account information incorrect

Complaint:
XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Abra
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a deposit of XXXX with Abra in XX/XX/2021. The company Abra, claims that the money was rejected due to consumer protection and that the transaction was cancelled. However the funds were never returned to my banking institution. I contacted them multiple times and they insist that they rejected the transaction and to contact my bank. The funds were never returned or refunded. They kept my money and froze my account with them for no reason. I contacted my bank to retrieve the funds however they have not had luck in retrieving my funds either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2018-09-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Just noticed that my credit card statements from my REI card through USBank does not have the minimum payment warnings anywhere on the five pages that I get every month. Isn't this against the Credit CART Act of 2009? 

Thanks,

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 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had online accounts setup with XXXX, Experian, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is 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 2023-04-23
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I turned in XXXX phone to the insurance, XXXX of them they couldn't find... So now there still trying to charge me for those phones. Which if that was the case as far as not getting credit to turn them in. I could've lied and did a claim they were stolen. And get new phone and no collection bill! So I feel this is wrong and I wasn't my account with the insurance fixed! 
I'm sending the pictures I took at the post office before I sent all XXXX phones back to the insurance! I wanted my account credit for my phone 's. I was with XXXX XXXX for XXXX XXXX and because of this I was forced to not have a phone or services for a month in a half. Because I couldn't pay this bill. I had to cancel with them and go to a different phone company. I am still upset over this and the fact I'm being billed and punished for phones that were returned and I paid the fees with insurance to get new ones, that we didn't receive. What the point of paying for insurance then? I thought it was to protect us from what I went thru at that time... We had no phones or services hoping it would get resolved and it never did so I had this huge bill and they wouldn't turn her phone on if we had a phone because of this so upsetting to me I was so proud and loved that company and the fact that I was with him for XXXX years meant something to me never did I ever in XXXX  years have a problem with the phone that I've made a claim on so I feel like this company is bogus somebody schemed at your office and took our phones it's not XXXX XXXX fault it's the insurance claim. Paid for monthly insurance then we paid the bill to turn the phones in return the phones in also and still get this huge bill and no phones and no service now it's ridiculous. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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