BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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:
This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened through a dental office which granted them full access to charging this credit card, they abused their access and overcharged the card with fraudulent services that I didnt obtain. The young lady who did this was fired from the office but I didnt know she had already abused this account and my credit was affected. I attempted to tell the credit card company they ignored me and I attempted to get the office to help me but their only response was the young lady was let go The financial records they provided to me dont match the credit card records and no one in the office will give me anything in writing admitting what transpired. They ignored my calls for years and now Im in debt with this credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Blitt and Gaines, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Blitt and Gaines has two civil suits against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was only served the Original Notice for one of the cases. In the case I was served papers on, Blitt and Gaines is representing XXXX XXXX XXXX. XXXX XXXX XXXX is representing XXXX XXXX in the other civil case against me. I was not served an Original Notice or paperwork of any kind for that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion is not allowing me to freeze or unfreeze my credit file online. I have already spoke with someone regarding this situation and I was told that I would be able to do this without a problem yet the problem still exists.

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 2022-05-02
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:
For months, TransUnion has reported an account ( XXXX XXXX XXXX Account # : XXXX ) on my credit report with missed matched dates and missing information. 

For example, they are not reporting the " Account Type '', which is information they must have but for some reason, it's been missing from my report for the past three months and nothing has been done to fix it. 

As well, they are reporting this account with an incomplete account number that I don't recognize, nor they have provided the actual number or proof that it belongs to me. I sent 3 letters in the past three months and I gave them enough time to respond but to this day they haven't acknowledged my letters in any way. 

Also, TransUnion has frequently updated and reaged this alleged debt, which is a violation of the 7 U.S. Code 9, it is prohibited to use false or misleading, or inaccurate reports of information.

To this day, this account is still being reported as " Account not disputed '' and I receive absolutely no correspondence from this company.

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 2023-06-03
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:
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. 
I told the Equifax and XXXX to reinvestigate these accounts : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022

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 2023-08-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint about a collection agency that has been attempting to collect a debt from me without proper validation. The debt was initially associated with a bank and is now managed by the collection agency. 

The last date of activity on this debt was XX/XX/2023, which is also the date it was reported. I have received numerous letters from the collection agency regarding this debt, despite never having directly communicated with them. 

Upon receiving these letters, I disputed the debt with both the collection agency and the credit reporting agencies. However, the collection agency 's response to my dispute was insufficient. They provided only statements of the debt, without any signed contract or concrete evidence proving that the debt is mine. 

In light of these facts, I believe that the collection agency is attempting to collect a debt that has not been properly validated. I request an investigation into this matter and ask that the collection agency ceases all collection attempts until they can provide proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on 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 explanation
Consumer complaint received 2023-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
I received an email from USAA that if I did not use my credit card, which I have not used in three years, they would close my account. My understanding is that a closed credit card account will reduce my credit score which, at that time, was over 800. For that reason, I spent approximately {$5.00} on the account to keep the account open. 

USAA, unlike every other credit card I own, never sent me a notification that my bill was due and then past due. While it is not their responsibility for me to pay my bills on time, I have 18 years of perfect credit history overall and 11 years with them, including car insurance always paid in full and on time. 

Nevertheless, they submitted this {$5.00} charge late. Notably, I have a little over {$7.00} in rewards that would have covered it as well as money in both my savings and checking account that would have covered it. Yet, they reported this {$5.00} charge as late. I was only notified by my credit reporting agency when my score dropped 70-86 points ( depending on the credit agency ). 

I immediately sent a letter to USAA asking them to remove it. While the information is correct, the consequences do not reflect my credit history with them or with any other company. Furthermore, I anticipate that the reporting is automatic and was hoping to get a human to review the account and see how unnecessary it was to report because there were at least 3 different way ( rewards, checking, and savings ) that the card could have been paid. They denied my request so I called and again my request to remove the information from my credit report was denied. 

While the information is correct, it is an inaccurate reflection of my credit history and the consequences are also not commensurate with my credit history. Therefore, I am hoping to get someone to look at my account to recognize that it should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Followup from XXXX and identical complaints prior to that. 

American Express Company continues to send unsolicited offers of credit. This matter is unaddressed and unresolved for XXXX months or more after multiple requests through company channels and after that, through this channel. 

Please cease sending unsolicited offers for credit cards or any other matters. Do not reply asking recipient to contact one of your marketing partners. Do not reply asking recipient to check a box on your website or application or the same on a partner 's website or application. Do not reply stating the resolution may take XXXX to XXXX to XXXX weeks - this is now far beyond that time estimate with no observable action on your part, no resolution to date, and no reason to believe that this will be addressed without further escalation. 

Please cease sending unsolicited offers for credit and stop sending junk mail. Please remove the recipient from any and all communications from your company and any and all of your partners. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

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 2020-08-01
Company: CITIBANK, N.A.
State: FL
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:
Notice of Grievance and Complaint RE : Case # XXXX - Citi Reference Number : XXXX Ongoing Credit Discrimination against national origin. 

My original complaint was submitted to the Office of Comptroller, limited in detail, and their organization forwarded the complaint to the CFPB without my evidence to substantiate the complaint and I have herein resubmitted complaint with enclosed affidavit in accordance with the protections expressed therein securing my religious and national origin birthrights for lawful consideration as brought the attention of many of Citibank N.A. representatives that have to sought to undermine my rightful demands to include economic damages. 

See attached documents.

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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.

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 2023-06-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I tried to access my Flexible Spending account with Optum Bank and had my account frozen due to improperly inputting my password. I called their technical support line and went through their procedures with their tech to unfreeze my account. Due to some IT issue, they were unable to restore my account and I was told a 'Tier 2 ' technician would be either emailing or calling me. I waited two days, didn't hear from them and called them again yesterday, XXXX XXXX. Their tech insisted I go through the same process again, even though I told them that it wouldn't work. She was unyielding even after seeing that a ticket had been submitted to Tier 2 so I wasted another 1/2 hour until the new tech came to the inevitable conclusion that I needed Tier 2 help. I asked to be transferred to their Tier 2 department and was told that she couldn't transfer me but would attempt to get them on the line. I was placed on hold for 15 - 20 minutes until she came back on the line and told me that no one at Tier 2 was available. I then asked, and had to ask multiple times to speak to a supervisor. She finally relented and placed me on hold to get a supervisor on the phone. After another 15 - 20 minutes she comes back on the line and tells me no supervisors are available but one would contact me by phone shortly. It's now a day later, no emails from Tier 2, no phone calls from a supervisor. Frustrated, I called their corporate phone number to request assistance and was bounced around from department to department with no one able or willing to help me. I'm undergoing a procedure on XXXX XXXX to XXXX  a potential malignant XXXX and I need my FSA account unfrozen to pay for the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
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:
Hello, Im writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section and the collections section of my credit report. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you. 

XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$400.00} Account name : XXXX/XXXX  Account number : XXXX Date : XX/XX/XXXX {$300.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$6800.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$980.00} Account name : XXXX  Account number : XXXX Date : XX/XX/XXXX {$510.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$200.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$190.00} Please remove off 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