BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX, I received a XXXX form after settlement of XXXX XXXX XXXX XXXX. A copy of this XXXX form was forwarded to TransUnion informing them that the alleged debt was settled and that the item was now considered income by both the IRS and TransUnion guidelines, and should therefore not be on the credit report. Case law that backs this up is : Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) the court found consistent with other courts opinions : A debt is deemed canceled under the IRS regulations when a creditor stops collection activity after a defined period pursuant to an established business practice. Id. A creditor typically does so in order to take advantage of IRS rules allowing tax deductions for " bad debts ( XXXX ). Such actions by a creditor, in turn, may render it inequitable to allow it to belatedly enforce the alleged debt after it received the tax benefit of the " charge-off. '' and CACH LLC v Fatima, 2011 NY Slip Op 51510 ( Dist Ct Nassau Co. ), citing In re Welsh, 2006 WL 3859233 ( Bankr Ct ED Pa 2006 ), quoting In re Crosby, 261 BR 470, 474 ( Bankr Ct D Kan 2001 ) '' The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' and AmTrust Bank vs Fossett 223 Ariz 43XXXX ( issuance of Form XXXX after debt was written off is " prima facie evidence '' that debt had been discharged by creditor ) and Franklin Credit Mgmt Corp vs Nichol 2001 the court concluded that it would be inequitable for the defendant to incur tax consequences as a result of the form XXXX and to permit the plaintiff to continue to hold him liable for the debt. All of these cases apply in this instance, stating in essence that any debt forgiven via a XXXX is no longer considered collectible debt but rather income that is taxable to the account holder and therefore should not be listed on credit reports.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE 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 explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: PA
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:
Recently, I XXXX XXXX was denied an extension of credit by Macy 's On XX/XX/2022 you submitted credit card refrenece number XXXX, I applied for Macy 's American Express Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Macy 's has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a
different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. I spoke with someone at the company and they asked me questions to verify my identity and still received a letter.

Since the letter you sent me dated 2/11/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Macy 's should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident on XX/XX/XXXX and received services from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX billed my car insurance company XXXX XXXX {$1500.00}. XXXX XXXX allowed {$650.00} and paid {$520.00} leaving a deductible of {$130.00}. XXXX XXXX also submitted the charges to health care insurance XXXX XXXX XXXX XXXX XXXX which allowed only {$280.00} of the submitted charges of {$1500.00}. XXXX XXXX paid -0- and determined that I did not owe the provider because the other insurance ( XXXX XXXX ) paid more than the allowable amount. It should be noted that XXXX XXXX was a participating provider. Remex, the collection agency hired by XXXX XXXX is claiming that they are refusing to comply with the insurance determination and require full payment/ {$1500.00} to be paid. Their records show that the insurance company made 2 payments of {$520.00} and {$560.00} on XX/XX/XXXX leaving a balance of {$410.00}. My issue is that credit bureaus are not verifying the debt fairly. Supporting documentation submitted by me was not reviewed and/or taking into consideration. The bureaus are leaving it up to the debt collector to decide if they want to accept the information. Their process allows debt collectors to harass and threaten consumers and force payment that they are not entitled too. My credit score has been substantially affected by this debt and I am being force to pay a debt I do not owe if I want to improve my score. I have been harassed, threatened and punished by the collection agency and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of 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 2022-11-18
Company: EQUIFAX, INC.
State: MA
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 XXXXXXXX ( Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$650.00} XXXX XXXX XXXX XXXX  ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$490.00} ). 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 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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 status incorrect

Complaint:
I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : Equifax has now turned it back on XXXX  and stated that XXXX  has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All these credit cards on my credit report have been resolved many years ago. I very seldom use a credit card for purchases. Chase Mortgage representative made error on my payment in XXXX XXXX on the monthly Payment and transferred the loan to XXXX who said they do not have authority to resolved the issue. It's been two years and I am a XXXX XXXX XXXX XXXX Veteran and this is causing me to have serious XXXX. Thank you for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been violated by the Experian, XXXX and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with synchrony bank As well. I have already sent synchrony bank an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand Experian, Experian and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXXXXXX  The card was placed as an account on XXXXXXXX XXXX. How does that even make sense. I have pictures to prove this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, when logging into my bank account, I noticed there was two pending payments for my vehicle loan. Each payment was for {$300.00}. One identified as a 'Phone ' payment for XX/XX/XXXX and the other was identified as a " internet '' payment with date of XX/XX/XXXX My loan payment obligation is only {$250.00}, and I had NEVER called Santander nor would I authorize two payments ( i am on a fixed income ). 
I called into the company on XX/XX/XXXX and spoke to an agent who advised it was because my payment 's submitted in XX/XX/XXXX and XX/XX/XXXX " bounced '' and they were resending them for payment. I told her that is impossible, as I don't WRITE bad checks, my payment cleared and i was not charged any fees or notified of such. 
The agent told me that is exactly what happened and if i ask for a refund, it would make me past due. 
I have stopped payment on both of these transactions through my bank, and it cost me {$70.00}. Now, I am worried they will report inaccurate information to the the credit agency or charge me fees for something that is not my fault. In addition, as i have requested with them, i have a payment of {$300.00} that posted to my account on XX/XX/XXXX to principal only- which is not correct either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm submitting this complaint in reference to Credit Collection Services knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization / proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to make my mortgage payment of {$570.00} for XXXX. The mortgage company, Mr Cooper, will not take my payment. I keep being told that they did not receive my mortgage for XXXX and XXXX but they did. On XX/XX/XXXX I called and spoke to XXXX. XXXX stated that XXXX and XX/XX/2023 payments were not received ; therefore, she could only accept a {$1800.00} payment for my XXXX mortgage. My mortgage is not {$1800.00}. It is {$570.00}. I advised XXXX that the payments were made. I followed up with the email showing the XXXX and XXXX proof of payments from my bank statements. XXXX said to call back and I would be able to make the XXXX payment once they verified these. On XX/XX/XXXX I called again and spoke to XXXX. XXXX confirmed that the XXXX and XXXX payments were received ; however, they were not keyed into the system yet so XXXX screen would only allow her to take a {$1800.00} payment. I asked to speak with XXXX since I had received an email that she was working on my account. XXXX said that XXXX was on another call, but that XXXX would call me back as soon as she was off her call. I received no call back. I sent a follow up email XX/XX/XXXX again explaining that I am trying to make my mortgage payment. On XX/XX/XXXX, I called and spoke with XXXX. XXXX stated the XXXX and XXXX payments were not made. I was put in contact with the supervisor XXXX. XXXX talked about several dollar amounts. I stated that I needed to simply make my XXXX payment of XXXX. XXXX said he could not take my payment. XXXX said my XXXX payment had not been made. I explained to check the records and then sent XXXX an email showing the proof of payment. XXXX would not acknowledge the proof of payment that is in front of his eyes and began talking in circles. I said that I was confused and to please put in writing what he was trying to explain, as I am worrying that I may need an attorney. XXXX said that MrCooper will not send me my loan information in writing.

Company response to consumer: Closed with explanation