BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2022, I received an alert from MyFICO.com that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
MyFICO also indicated that a credit account had changed on my report. The account was for an energy company in Texas called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX XXXX times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. XXXX sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in Texas. My consumer report shows I'm currently a XXXX  XXXX in California. Not Texas. At no time in 10 years have I lived in Texas or even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.

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 2023-07-10
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Collection Bureau , Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau , Inc showing we had a contract as well as the agreement between United Collection Bureau , Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX in the amount of {$280.00}. I reached out to XXXX and asked do they sell debt they stated no ( I'm well aware of my HIPPA laws ). I could sue United Collection Bureau , Inc for violating HIPPA laws. United Collection Bureau , Inc has violated multiple HIPPA  laws and I have my lawyer on hand to sue United Collection Bureau , Inc for the violations of my medical rights. Also XXXX stated that I dont have a balance with them and that they dont know why annyt would be sent to collections. Ive never been to XXXX. Also their information has not been reviewed by a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to notify you about some inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following fraudulent items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/2023.

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 2020-06-05
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove it they replace it as shown in the attachment Which I have placed an order. Im custom explanation for each of the 10 attachments. What is the law in the state of Maryland grants me. The free credit report an act Also grants me {$10000.00} per every 28 days that the credit bureau report affect my life negatively. That I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general if Maryland and to every media outlet in the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-12-06
Company: EQUIFAX, INC.
State: AR
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:
Complaint # XXXX was filed and CFPB received the response from Equifax and they did not investigate these accounts that are reporting in error and fraudulent. 

CFPB, FTC and FCRA needs to regulate its authority over Equifax, XXXX and XXXX XXXX for responding with false statements that say theyre investigating errors on credit reports. 

ATTACHED IS LETTERS PROVING THEY DID NOT INVESTIGATE! 

XXXX XXXX is reporting a fraudulent account on my credit report and its been 45 days since my second letter demanding them to prove that the account belongs to me and they have not responded, XXXX XXXX did respond and closed the fraudulent claim. The US Dept of Education accounts are closed but still reporting the fraudulent accounts on my credit report. Equifax refuses to follow the FCRA guidelines and investigate fraud and errors. I will provide each letter I have received from creditors to prove Equifax DID NOT INVESTIGATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone is using my social security number, name, date of birth to open an account. I'm a victim of identity fraud also recorded on FTC. They are also calling betraying to me the account holder to all of my creditors and closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Improper use of credit reporting I need you to show process of verification of those late payments as well as these late payments are in relation of a computer error that happen on the site of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ; Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-07-10
Company: AMERICAN EXPRESS COMPANY
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress 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 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states, a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am the co-borrower for my son 's private career training loan, which I have been paying for 12 years. Every monthly payment has been made on time except for last month ( XXXX, XXXX  ) which could not be made because the lender 's computers were broken ; I called at the time to clarify what was wrong, at which time I was informed of the problem. I was assured that I would not be charged a late fee when making the payment. I was able to make make the XXXX payment through the lender 's computer payment system on XX/XX/2022. Upon making XXXX 's payment today, XX/XX/2022, there was a charge of {$51.00} for a late payment for XXXX 's bill. I called Navient. I, of course, got nowhere with the telephone clerk, who told me that she would send a message ; she could not tell me to whom she sent the message or the department to which she sent it. She further told me that there was no one with whom I could discuss the problem. I refused to pay the late fee and told her that I would contact the CFPB. The servicer/lender is Navient, which I think has its headquarters in Pennsylvania. I am furious that the computers that broke then charged me a late fee. Having no alternative and being shut out from speaking with anyone in authority at Navient, I have nowhere to turn other than the CFPB. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have started getting calls back to back from tower loans with no voicemails left. Are calling daily around XXXX XXXX. I have town them to only communicate with me by mail. This is follow up of the closed complaint case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am attending to add money to my Venmo balance to cover an outstanding charge however Venmo is advising that they are unable to take the funds due to an issue with my bank account and have since frozen my account. This has enabled me to not be able fund the account appropriately. I've contacted my financial institution ( XXXX XXXX  ) whom I have used at other merchants successfully and confirmed that there is no block on the account preventing the balance reload request from Venmo. Venmo then advised me to use a different account or an alternate debit card however they don't accept the debit card that I have to fund the account. Then they advised me to have a friend and/or someone I trust who has a Venmo account send money within Venmo to fund the account. This is also not possible. So they have rendered my account useless due to this. Venmo advises that I have an outstanding debt however they declined the transaction so the funds were returned and not sent to the original authorizer. So technically by process I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AMEX OBTAINED MY A COPY OF MY XXXX CREDIT REPORT WITHOUT MY WRITTEN OR VERBAL AUTHORIZATION. I WOULD LIKE TO HAVE THE INQUIRY LISTED BELOW DELETED : AMEX - INQUIRY DATE : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRUIST FINANCIAL CORPORATION
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:
REGIONAL ACCEPTANCE CO XXXX you charge Off this account on my credit and I have never received a 1099 form with the account report in as a charge off to the IRS it should not be still reported on my credit report.. you have to send that out to me in you failed to do so in your report this charge off every month on my credit report as a charge off its been charged off my account almost a year ago and its still reporting every month as a charge off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent receivables llc I do not have a contract with this company. Collection is not from orginal creditor. I have never heard of this company.

Company response to consumer: Closed with explanation