BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( 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. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( 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. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2018-07-20
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to have a buyer assume my VA mortgage. It has been almost a year and the process has not been completed. Ive called and emailed dozens of times to see what is going on and nobody will return my calls. What can I do? My buyer is qualified and has over 20 years experience as a mortgage broker and we are both at a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: CA
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:
I had an account with XXXX, and cancelled the account due to a move. They had on record that I did not return their modem, and charged me {$120.00} for it. The thing is, I returned the modem and have a receipt for the return and that it reflects no balance owed. 

They turned the account to collections, and it ended up on my credit reports. I successfully disputed it through XXXX by explaining and providing the receipt. I attempted to do the same for XXXX   and Equifax but it was rejected after investigation. 

I would like to have the incorrect information removed, as it is inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: ENCORE CAPITAL GROUP INC.
State: MS
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 was a debt that allegedly occurred in 2016. I did not apply for, nor did I receive a credit card from the original creditor XXXX XXXX in 2016. I explained to these people that someone stole my information and went on-line and did this. They ruined my credit with this. I believe the original creditor and Midland funding Llc may be complicit in stealing my information for financial gain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XXXX XXXX XXXX XXXX for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my trans union and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported 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 2021-02-27
Company: ENCORE CAPITAL GROUP INC.
State: OR
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:
Dear sir/madam, MIDLAND CREDIT MANAGEMENT has been reporting to the 3 credit agencies that I owe {$430.00} to them for an original creditor called '01 XXXX XXXX '. 

They have been calling me at home and work numbers several days per week harassing me about this money. I DO NOT owe them any money! And they are in the process of RUINING my credit. 

I have submitted a dispute via XXXX XXXX  but no response yet. I suspect this could be owed by someone with a similar name as mine. 

Please help! Midland Credit Management is ruining my credit with a BOGUS collection submitted to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX 2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase my own insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal 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 2019-01-04
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX AMERICAN PROFIT RECOVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICAN PROFIT RECOVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a verification letter XX/XX/XXXX to national credit adjusters regarding a charge on my credit report of {$650.00} and have yet to receive anything back from this company verifying that this is my debt what this debt if for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX   XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX    XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Throughout XXXX through XXXX of 2019 we have been overcharged by a vendor named XXXX XXXX XXXX After attempting to work directly with the merchant ( which our credit card company suggested we do before starting a dispute ) and failing to find any kind of resolution with them, we were forced to go to Capital One ( our account holder ) and let them know of the issues. 

In XXXX and XXXX we were sent letters stating they could not reimburse of for these disputes because they had not received adequate information from us regarding the dispute. In fact we provided 26 pages of correspondence and contracts via fax to Capital One when we first made the complaint. After receiving the letter they were closing our dispute because of the lack of info, we spoke with a representative who guided us through the Capital One Document Upload system where she verified the documents were received and the dispute would be reopened. 

More recently we received letters stating that because the dispute was 120 after the initial charge we were outside of a time limit Capital One says it is under to resolve disputes. Even more recently we have received other letters from Capital One stating that disputes must be made 60 days after the initial charge. 

Not only have we received dismissals of our dispute for 3 different reasons which contradict each other, we were never told of these time-frames when we first reached out to Capital One when the overcharging from XXXX XXXX first happened. As previously mentioned, they caused the delay by advising us to work directly with the lender before opening a dispute. 

It is very clear that Capital One is creating arbitrary rules in order to not resolve our dispute and return the funds despite strong evidence that the vendor overcharged us and has done this to thousands of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had filed complaints with Huntington National Bank Executive Office in XXXX and XXXX. 

The complaint was about Bill Pay sending out checks that are mistaken for junk mail because the check are post card size check that are self enclosed ( not business class envelope ). 

Over the years ( 5 years ), I have heard about similar problems from local branches but Executive Office refuses to admit it. I received a letter from Executive Office that the checks that are mass mailed are business class but my checks are to limited/specific customers which are not business class. 

The Executive Office made it clear they are not going to change this practice. 

When these small Bill Pay checks gets lost, it causes lot of headaches ( i.e. late payment fees ) for my small business.

There needs to be standard/mandatory practice to mail business class ( self enclosed or envelope ) Bill Pay checks to avoid being thrown away or slip away when received along with junk mail received by other businesses. 

Huntington National bank XXXX XXXX XXXX XXXX XXXX, OH XXXX United States, XXXX, oh XXXX Executive Office Phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX, and they saying the amount is {$460.00} does not even match the amount I had pay to XXXX which was {$460.00}, I called XXXX to remove it asap i called transunion and also called XXXX and the lady named XXXX who suppose to file my dispute did not do it?? please ask XXXX  why? easy to check she was the last to login to my account they really need to address and she refused to gave me a report or file number?

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 2019-10-24
Company: DISCOVER BANK
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans through Discover student loans. 1 in repayment, 1 still deferred. Despite being on autopay of XXXX/mo with a due amount of XXXX.mo plus an additional XXXX/mo being paid by my employer, and payment history showing the details listed below. There is no progress on the first balance. The latest statement shows an original combined balance of XXXX with a current balance of XXXX. Yet also somehow another XXXX grand in " deferred interest. '' I have made a total of XXXX in payments. Yet the first loan balance is only down by XXXX dollars. I believe there are fraudulent banking practices going on which essentially take the payments and apply them towards an ever-increasing interest ( clearly NOT 6 % ) and only minimally crediting the actual principle. This was not the case with past student loans. I think you have a duty to protect students from this usury. I will forever be an advocate of steering clear of these fraudulent loans. 
If there is ANYTHING you can do to get the proper credit applied to my loans I would appreciate it. 


Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$400.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$100.00} XXXX XXXX Payment XXXX Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$140.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$26.00} Payment XXXX

Company response to consumer: Closed with explanation