BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-05-15
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As of XX/XX/2023, PHEAA has sent a combined total of 4 pieces of mailed correspondence ( just to Borrower, cosigner is separate ). All 4 of these outline the same delinquency message for different loan sequences. PHEAA knowingly and willingly wastes paper by doing this, and in the process harasses me by sending this many pieces of mail. I have given them forewarning in the past about this. Going forward, if I receive additional pieces of correspondence outside of the allowable " 1 '', they will be sent back to PHEAA, unopened. All additional pieces of mail will have their container photographed and dated and given to the appropriate parties. PHEAA clearly does not understand that while they feel wasting paper is a necessity, I feel it is an unwanted burden even if borrowers do go past due. Their arguments never make sense either. Some past CFPB complaint responses have the responder claiming that if " I would just make the payment on time, I wouldn't receive any correspondence. '' Well that would make sense if I was only complaining about 1 piece of mail within a small period of time. Apparently, the people working there are bad listeners, un-educated, and ignorant to the actual issues brought forward. Making comments or statements that seemingly appear simple are all these individuals can come up with because the entire organization is based on laziness and negligence. Just ask New York and Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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: Account status incorrect

Complaint:
My wife XXXX XXXX and I rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX, from XXXX XXXX XXXX who can be reached at ( XXXX ) XXXX, for two years until XX/XX/2019. After vacating, we had a final walk-through with the on-site resident manager who confirmed that the apartment was empty and professionally cleaned. 

However, a few months later, we received a notice from XXXX XXXX claiming that we owed {$220.00} for a missing cook-stove burner and a new cleaning sponge left under the sink. We immediately called to inquire about the charges and were told that they were a mistake. The manager apologized and promised to take care of the charges. After several weeks of communication between us, the manager, and the back-office staff who generated the charges, we were assured that the matter was resolved. 

Recently, I received an email from my XXXX XXXX XXXX alerting me of a " major derogatory mark '' on one of my accounts. After logging in, I discovered that Columbia Debt Recover : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TEL : XXXX on behalf of XXXX XXXX , had reported a collection item on my account for a supposed debt of {$76.00}. When I called the provided phone number to request substantiation of the debt, I received an email with only the name of the creditor and a vague " Move Out Statement '' that basically support my above recount of the event, and the original debt amount of {$76.00} as well as a total due of {$78.00}. 

I have learned from other tenants and a past employee that this is not a rare occurrence but rather a consistent scheme used by the management company to collect small nominal charges that many residents may not bother to fight. This appears to be a fraudulent practice that defrauds past residents with small insignificant amounts that may accumulate to a significant annual sum for the management company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
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: Account information incorrect

Complaint:
XXXX XXXX is reporting closed and paid in full XXXX XXXX card to all credit bureaus Equifax, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that XXXX XXXX gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, Equifax - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: WI
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:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX***Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXX  Balance Owed : $ XXXX XXXX Balance Owed : {$56.00} XXXX XXXX  Balance Owed : {$240.00} XXXX Balance Owed : {$210.00} 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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about the XXXX of XX/XX/2023, CAPITALONE Replied and Justified a Charged Interest on a Balance that was paid in Full prior to the Due Date in Which Interest was Charged. To Date the CAPITALONCE held the XXXX Payments for {$1000.00} with a Fee of {$3.00} and gave an Investigation Number # XXXX. The Second XXXX Payment $ XXXXthat was held was for with a Fee of {$300.00} and gave an investigation Number. CAPTIALONE held the payment for an addition three ( 3 ) Days in both transactions even though the payment was in their possession. See the Attachment. It was only after a Call was made that the CAPITALONE credited the payments, however still charged the Interest and reported the inaccurate amount to the Credit Agencies. Then after another Follow-up Call CAPITALONE correct the balance, however never resolved the Interest that was Charged. I am requested for CAPITALONE to honor the Contract Agreement. as their action constitute a Breach. It would be a displeasure to File a Civil Suit to Recover the Overcharged Interest as to their Breach, However the Cardholder is willing to take legal measure if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
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:
Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported XXXX Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-07-28
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I just realized XXXX separate transactions from 2020. One is around {$400.00} for my health insurance with XXXX but another one that happens to be the same day was fake. I called and checked with XXXX already that I didnt owe them any debt. Also, the number appear one the statement is a loan company. I paid using the app or web site Im not sure sure Im sure I have no idea how they showed up the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
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:
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 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 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 has violated my rights . Or list of inquiries 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 explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX/XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft since 2015. I have sent in multiple police reports. I have sent in my FTC paperwork. I have sent in legal documents and American profit Recovery is still trying to collect a debt that is a case of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). XXXX XXXX is also in violation of the XXXXramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.

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 2024-01-10
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had exhausted all my other options so I only proceeded in the mobile deposit because it said {$250.00} would be released immediately and on the XXXX the remainder of the {$1000.00} check would be released. Only to find out that no they put a hold on the check and a woman from my bank called and tried to verify but was not helped. This has put me in an emergency situation and I don't feel this is quite right. I know that it's up to the banks discretion and I truly need this to happen

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 2022-12-19
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 contacted Transunion on several occasions to dispute two inquiries reporting on my credit file that I did NOT authorize anyone employed by these companies to make any inquiry and view my credit reports. 
Transunion has FAILED to investigate and validate this information with the companies and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 


I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2023-04-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Bank of the West did not honor my dispute under 15 U.S. Code 1666 - Correction of billing error. Creditor took immediate action to close my account during this billing error and section ( b ) states " not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph '' Noncompliance of this U.S. code in section ( e ) forfeits creditors rights to collect from obligor. I am demanding Bank Of West to remove this account from the credit agencies due to this violation of U.S. Code 1666.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. Three different account statuses, different account numbers, account openings dates, balances, last payment dates, and inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of 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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After looking over my report I noticed and unauthorized inquiry from XXXX XXXX  dates XXXX on my credit report that I didnt authorize. Please have this incorrect information removed from my credit profile please. Thank you

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