BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-16
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: Old information reappears or never goes away

Complaint:
I have 20 unauthorized inquires on my XXXX, XXXX and TransUnion credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but XXXX and TransUnion failed to respond or take action about the complaint.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This account has been closed and it continues to show up as deragatory on my account. It shows open on credit report. This account was opened in XXXX of 2017 and shouldve been closed. Everything about it is wrong.

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 2023-06-02
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting has violated my rights under Fair Credit Reporting Act Under - 15 USC 1681 -6028 - Right to Privacy and 15 USC 1681 - 6042 - Right that I most give written permission Under these two violation I am requesting they be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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 pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX  XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2018-10-15
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage withdrew {$370.00} from my escrow allegedly to pay for my insurance but insurance company has advised payment was not made. Requested copy of cancelled payment twice and representative refused to provide evidence of payment to me as the owner of the escrow even when and if they received copy of the check.

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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-12-18
Company: Harris & Harris, Ltd.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never picked up the phone when they called but it went straight to my answering machine. I do n't know why they are calling. I am on two no call list. I have no outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I pull my credit report and found that FINANCIAL RECOVERIES ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ALL THESE ACCOUNTS. 
I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The FINANCIAL RECOVERIES has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX  from XXXX  fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report.7 ) Collection Company fail to report a disputed debt to the credit bureaus. Protection afforded by the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00}. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2020 - I was notified by the XXXX XXXX U. S. Bank branch that a woman in XXXX  was standing in their branch impersonating me. She stole {$1500.00} from my savings account. The suspect was not stopped by the branch and police were never called by the branch. I live in XXXX. I filed all the necessary fraud paperwork per U. S. Bank rules. I submitted it to their fraud dept and to both my local branch and the branch where the crime occurred. I contact both police depts and filed reports. U. S. Bank is now refusing to give me my money back. I worked so hard to earn my money. How can they victimize me again and steal my money. Is it legal for them to refuse to give me my money? Help me please!!!!! I have bills to pay.

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 2023-07-19
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt I do not owe XXXX to DRS whom I never signed a contract with know who they are. I do not owe XXXX XXXX  XXXX this debt is almost 7 years old and it was removed they added this as if I have a new debt and I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
To whom it may concern, I wish to complain about a horrific encounter XX/XX/2020. Yesterday evening, I called Portfolio Recovery Associates @ XXXX Eastern Time. I contacted Portfolio Recovery Associates to try and negotiate a collection debt and I was made aware that what I was trying to pay can not be accommodated. I then asked if I can have any contact information for the CEO, XXXX XXXX of Portfolio Recovery Associates. Instead I was transferred to one of the managers on site that was completely and utterly disrespectful. This " manager '' was very discourteous and unfortunately I was unable to get his name. When I asked to speak to his manager he told me was that he will not forward my call to his manager whose name is " XXXX XXXX '' and hung up on me. I have never in my life encounter such disrespect and felt so LOW in my entire life more so during times like this. 

I am a single mother and struggling financially. I want to change my life around and build and set new goals. I am looking to eventually start saving for my future home buying process for my XXXX XXXX and I. So I decided to start at Portfolio Recovery to clear these accounts instead of filing for bankruptcy. I hope that this problem gets resolve and pray and hope that no one gets this type of apathetic experience like this ever again. I sincerely hope that there is redemption and am pleading for such consideration for how your staff made me feel and my dignity. If any additional information is needed, please feel free to contact me at any time. Thank you for the time you spent reading this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: AL
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 name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fraudulent charged of my credit card, US Bank Edge - Ending # XXXX. 
Good day! 

My complaint is regarding the fraudulent charged to my credit card US Bank Edge ending {$9100.00}. 
First of all, I paid off the previous balance of {$130.00}, XX/XX/XXXX 
I received a letter stated that it was late one day, so they want me to pay the late and late interest. 
I called and told them that, it was fully paid stated previous balance month of XX/XX/XXXX. 
Per conversation, cant waive the full amount because of the interest earned from the one day late fee. 
They asked me to pay {$25.00}. I dont believe consumers have to pay interest earned from the late fee. 
I received a letter that I owe {$4.00} which is another fraudulent charged. 
The US Bank Edge was doing fraudulent charged to the consumers and that is not acceptable or illegal.

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 monetary relief
Consumer complaint received 2020-07-21
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2015-07-08
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I behind on two loans and a credit card at navy federal credit union. I talk to them weekly about the matter. This week they have been calling my family members and leaving messages saying, " this is so-and-so calling from navy federal, please return our call. It is urgent. '' This is absurd. They have my number already. I find to be harassing and trying to embarrass me with my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Firstly, I would like to bring to your attention Capital One 's violation of the FCRA, specifically 15 USC 1681s-2. This section outlines the duties of furnishers of information to consumer reporting agencies, requiring them to provide accurate and complete information. 
Prohibition of reporting delinquent debt without notice : Before reporting a delinquent debt to a consumer reporting agency, furnishers must notify the consumer in writing about the impending reporting of the debt .This notification should be given at least 30 days before the information is reported. THIS WAS NOT SENT TO ME. 
Additionally, Capital One 's non-compliance with IRS regulations is concerning. According to IRS guidelines, when a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, notifying them of the cancelled debt amount that may be taxable income. Despite the debt exceeding the {$600.00} threshold, Capital One has failed to fulfill their legal obligation to provide me with the necessary Form 1099-C, thereby violating the IRS regulations.NO 1099C SENT TO ME As defined by the irs even if you have not received a 1099c you must report cancelled debt as gross income.

The irs clearly defines a charge off as gross or ordinary INCOME. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 
By definition of the irs it clearly states a canceled debt or charge off is income, the reporting of this account as debt is INACCURATE. 
You are hereby put on notice you are furnishing inaccurate information. 
I demand the following actions be taken : Direct Capitol One to contact the credit reporting agencies and request the immediate removal of the charge off from my credit report, as it reporting inaccurately This inaccurate reporting not only harms my creditworthiness but also violates the FCRA 's requirement for accurate and fair credit reporting. 
This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

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 2023-06-02
Company: EQUIFAX, INC.
State: AR
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:
As I investigated my credit report, I found out that there are informations that are erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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