BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 
XXXX XXXX XXXX XXXX : # XXXX, State of mi office 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish a account with 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 2019-11-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2019 I submitted a credit freeze and fraud alert request to Equifax. As of today today XX/XX/2019 I have yet to receive a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone used my identity for a cable bill that I was not aware of. I found out when I moved into my own place and couldnt get cable because they said I had a balance of {$790.00}. I informed them that I never gave my consent to put the cable in my name and I tried to dispute it they threaten to ruin my credit. They put the account in collections without my knowledge. I never received a letter from the collection agency but they put the account on my credit without my consent.

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 2023-07-25
Company: V and H Portfolio
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt originated with XXXX lease to own appliances. They double charged my account for 6 months during the year of 2019. This account was already disputed, handled and removed from all agency reports. It seems a new company has bought a debt that does not exist and has iilegally re-reported it to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Dear CFPB, XXXX XX/XX/2020 i had sent certified mail with return to XXXX, XXXX and TransUnion about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
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 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered
as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 contacted by a notice by Capital One Bank USA regarding an inquiry made that I never applied for or contracted. They reported and defaming information beginning XX/XX/2021. They never supplied sufficient information to me in order to validate the inquiry. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Vital Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX   and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( Vital Recovery Services , LLC ) at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount  {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} from XX/XX/XXXX to XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported  Credit limit {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ; past due amount {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; balance {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as Charge off reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported  {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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:
I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: RFNA, LP
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to Republic Finance , LLC asking for validation of their inquiry made to my personal credit profile on XX/XX/XXXX. Republic Finance , LLC has failed to provide me with the appropriate verification that they had my personal authorization for this inquiry. Instead they state that someone called on the phone and authorized. This does not substantiate that they had my authorization for said inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates, LLC is sending notices and tainting my credit history with a fraudulent account. I never opened the account their reporting and I have explained that my ex-wife had opened accounts without my knowledge throughout the marriage and in our divorce in XXXX  she stopped paying them. I didnt come to find out until years later as is this account. Id appreciate it if this account was removed from my information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Consumer Adjustment Company Incorporated
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. CONSUMER ADJUSTMENT CO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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 2021-03-29
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX and XXXX keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want XXXX to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments.

Really appreciate the help.

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 2023-01-14
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I noticed an inquiry on my XXXX  XXXX  account I called the card company and told them I did not apply for their card well I ended up receiving their card anyway and a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraudulent account reported to XXXX, XXXX and 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 2020-07-07
Company: D&A Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by D & A Services , LLC via letter dated XX/XX/XXXX. They informed me they were representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect a debt amount of {$800.00} which they purchased from XXXX XXXX. 

I responded within the 30 days asking them to validate the debt which they did. I sent a D & A Services a debt settlement letter. Agreed to pay the original amount of {$620.00}. I also informed them because Covid-19, I would pay this in 4 installment payments of {$150.00} on the XXXX of each month. I sent this letter on XX/XX/XXXX. 

I waited for a response. I received a letter dated XX/XX/XXXX saying I didn't respond to their letter. They reduced to debt from from {$800.00} to {$680.00}. 

I replied to D & A Services LLC on a letter dated XX/XX/XXXX their letter was incorrect. I did respond. They received and signed for my certified debt settlement on XX/XX/XXXX @ XXXX XXXX   according to the USPS website. I provided the tracking number printed out a receipt from USPS. I re-iterated my previous settlement offer of {$620.00}. This letter was mailed out on XX/XX/XXXX. 

I received a phone call from D & A Services LLC on XX/XX/XXXX @ XXXX XXXX. A woman left a voicemail. I called back and informed female rep who I was. This call lasted 5 mins and 36 seconds. I was on hold for 5 of those minutes. I informed her to please contact me via letters as we have doing. Don't call me. She advised she would relay my message. They received my certified letter at morning. I'm in California so I'm 2 hours. They received and signed for my certified letter and then called me promptly. 

I'm still waiting to hear from them. My issues with them are : 1. They lied about that fact I didn't respond to their correspondences.

2. They lied about not receiving me letters because I sent all correspondences by certified letter via USPS. I have receipts.

3. They've inflated my original debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NY
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 sent a letter to Equifax, XXXX, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: CO
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 have informed XXXX XXXX and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is XXXX XXXX Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I opened a business checking account with Suntrust Bank online. This is a XXXX XXXX XXXX. I submitted all documentation as requested online and was advised electronically to " check on the status in 2-3 days. '' I logged back into my account a few days later and received notice that the " account had been successfully opened. '' Mind you, this was by me checking on my own. Throughout this entire process, I never received a phone call or email from the company. Thinking that my account had been successfully opened, I attempted to set up an online checking account. I immediately received notice on XX/XX/XXXX that the online account is in a " Pending Closed '' status. 

Confused, I called my local branch. A representative advised me that " pending closed '' typically means that my initial deposit had not cleared. I was about to go into a local office, but this was made difficult to the Covid-19 Pandemic. On XX/XX/XXXX, I received correspondence from the " fraud department '' that my account had been closed without explanation. 

Infuriated, I called the toll-free number listed and spoke to a representative. After being placed on hold she reiterated what was stated in the letter with no additional explanation. I then asked to speak to a supervisor and was denied the opportunity. 

Suntrust does not realize : My grandmother had an account My father currently has an account I had a previous car loan with BB & T ( paid in full ) Current credit card with BB & T Never in my life have I experienced such horrible customer service and the cold shoulder. I will try to move all of my business as quickly as possible and advise everyone I know to refuse business with either Suntrust or BB & T. This level of incompetence is ridiculous in the middle of a Pandemic.

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