BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: DC
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:
My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for 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 explanation
Consumer complaint received 2020-08-10
Company: ARC Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I owed about {$1000.00} to a credit card company. The discharged this debt to ARC ( I can not remember their actual name. Just the acronym. Whenever i question them about who they are, they refuse to give me information about their company, won't tell me their full company name, contact information, or anything like that ). 

Their website is here : https : //www.arccollects.com/ I would give you names, but it seems like they are using fake names, because when I have called back to speak to the last person, even if 30 seconds later, they are always " at lunch '' or something. 

They called me a few months ago, were extremely rude, and refused to tell me who they are or what they wanted. I told them not to call me, and to send me written correspondence if they really wanted to talk to me, and that my current address has been the same since before I owed the money to the credit card company. They never sent anything. 

Last week they called my XXXX year old grandmother, lied to her saying that I gave them her number if they need to get in contact with me, which is not true. My phone number has not changed in almost 10 years, so they could have called me directly, but didn't, instead calling my grandmother as a scare tactic. I subsequently called them back and the gentleman I spoke to the first time picked up, played the same game of not telling me who they were, and of course, the person that spoke with my grandmother was not there, so they transferred me to someone else. 

I told this lady that there was not excuse for them to contact my grandmother in an attempt to get me to pay, that I am out of work, and can not pay now. She continued to tell me " that's how collection works '' ... I told her that harassment is against the FDCPA, she basically just said the same thing until I told her to not contact me or my grandmother or anyone in my family again. That was last week ( XX/XX/2020, from XXXX ). They also use numbers from MY area code to get me to pick up. They are from Georgia if I am not mistaken, and have no offices out here. 

This morning, I received a call from a XXXX area code, and when I picked up, they hung up. I called back, and sure as heck, it was the same guy that I spoke to the 2 times earlier. I asked if they were ARC, and he ignored the question, asking me for MY information. 

This company has already violated multiple aspects of the FDCPA, ignored my requests for a cease of further contact, and have tried to harass me multiple ways, so far the worst of which, is calling my grandmother and lying to her. I will do whatever I have to do, even if I have to sue them, for them to realize what they are doing is not cool and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2020-08-10
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to Navient for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased 90 points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit 100 points and due to their error my credit score is paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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: Account status incorrect

Complaint:
No collection account should have Late payments

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 2019-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was delinquent. I contacted capital and set up payment arrangements to make this current-They were taking the money monthly for the payment arrangements. These began on XX/XX/XXXX in the amount of {$680.00} these payments went on until XX/XX/XXXX which made the account current. During this time my account was still being reported with no payment when in fact they were not. So now I am trying to get a mortgage on a home and this is really affecting my credit score and my ability to get this taken care of. I aided by the payment set for me and they are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Winklevoss Exchange LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was looking to invest into cryptocurrency. I found an app called Gemini Trust LLC and I opened an account and deposited {$100.00}. My bank clears deposits within XXXX to XXXX business days. I went into the account to check and see if my verification had processed but 14 days had passed and I became worried. I contacted Gemini by email but I received some type of Automated response which I never received any help afterwards. I found a phone number for XXXX XXXX and I called the phone number but someone on their end kept on hanging up the call. I called and left a message and within XXXX minutes the call was answered by some XXXX guy. I asked him why did I not have access to withdraw my money and he said that my verification was processing but I told him that 15 days had passed and I was worried about fraud. He kept on assuring me that it wasnt fraud and that maybe my bank hasnt cleared my deposit. I went ahead and contacted my bank and they told me that the deposit had cleared and that XXXX XXXX had my money and there should be no issue with me making a withdrawal. Its XX/XX/XXXX today and my account is still saying pending verification and I still cant make any withdrawals from my crypto wallet. I believe this company is doing something fraudulent because I read many concerning reviews from other Consumers who are also experiencing the same situation. This company needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been working hard to repair my credit and pay off a collection that I have on my account to improve my credit score. Between the dates of XX/XX/XXXX to XX/XX/XXXX, I have made several attempts to contact the agency to try and settle this debt. I was baited into leaving my name and number to give them permission to call my phone because every time you call XXXX or XXXX they send you to voicemail stating that they are short-staffed and they will call you back. This in itself is problematic because I do not want to give them permission to call me and harass me ( unknown XXXX numbers have begun calling my phone ). 

Once I finally got ahold of an agent after servals days of attempting to reach someone I was met with unprofessionalism and unwillingness to settle the debt. They wanted me to divulge sensitive information to the such as my wage, where I worked, my monthly bills, current address, etc. before they would talk to me about the collection. 

I then asked to speak with a manager and was told they could not escalate me to a manager and that they don't just allow someone to speak with a manager until I told them what my reason for wanting to speak with the manager was. She stated that she had answered my questions and that I did not need to speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company was informed that I have no knowledge of this account. The company failed to validate the account. Company was notified immediately. They failed to do so and began to report on my credit causing a negative rating. They also put the wrong date on the letter that they sent. They have XX/XX/2020 as the date of initial contact which is a lie. I just received this letter. This company is doing illegal activity. Multiple violations of the FDCPA AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently closed an IRA CD at TIAA Bank. I want to roll over these funds into a company-sponsored 401K plan. TIAA bank will not supply me with a Distribution Statement which is required when rolling over a tax-deferred IRA. They have sent me a check, but no other documentation. I have contacted them repeatedly, and they just keep telling me that it is in process. I can't roll these funds over until I receive this statement. TIAA bank should be investigated for extremely poor customer services, and failure to supply IRS-mandated paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}

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 2018-06-30
Company: Midwest Recovery Systems
State: GA
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:
On XX/XX/XXXX, a derogatory remark from Midwest Recovery Systems in the amount of {$1500.00} was reported on all 3 of my credit reports. XX/XX/XXXX, I sent in a debt validation letter to them. Midwest Recovery Systems received my letter on XX/XX/XXXX. I didn't receive a response from them by XX/XX/XXXX. XX/XX/XXXX, I sent in a follow-up letter stating since they failed to validate the debt within 30 days to remove it from my reports as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are asking your agencys help in discerning why there is a {$40000.00} discrepancy between our HUD-1 ( from the calendar year XXXX sale of our family home at XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX and the Form XXXX for calendar year XXXX as reported to the IRS. We have attached Form 1098s covering calendar years XXXX - XXXX We have made several attempts for MR Cooper to respond to our very legitimate concerns. And have yet to receive any response. The company lied to this agency in responding to our previous request for assistance. At the time of our previous request ( XX/XX/XXXX ), we did not have the Form 1098 covering calendar year XXXX which shows an outstanding mortgage balance of {$40000.00} lower than that which was reported on the HUD-1 , covering the sale of our family home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
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 XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXXXXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : 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.

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 2023-06-26
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief