BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Midland Credit Management said they are able to report to my consumer report because they mailed me something and it did not come back undeliverable. Congress states I must receive documents from a debt collector via certified mail in order to know that it was received and I acquiesce to the allegations. Midland credit management is in violation of 15 usc 1692 ( c ) b b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Midland Credit Management never had prior consent given directly to them by me to communicate with anyone other than me regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the XXXX  data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal

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 2020-10-23
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: Account information incorrect

Complaint:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
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 XXXX  Account # XXXX. And Account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: CA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute on XX/XX/2018 asking XXXX XXXX XXXX to validate debt of {$180.00}. I was looking to get full accounting of the alleged debt. I received an old bank statement from Convergent and without any of the other information requested from my debt validation letter. 
Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with Convergent. Please send bonding agent for XXXX XXXX XXXX in case if legal action becomes necessary.

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 2021-08-10
Company: TD BANK US HOLDING COMPANY
State: PA
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:
On XX/XX/XXXX I received a voicemail from a XXXX XXXX with XXXX XXXX that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at TD Bank was a result of identity theft, and that evidence of that was already provided to TD Bank. 
I also explained that since TD Bank had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC closed my account out of the blue on or near XX/XX/2019. I had applied and received a loan from XXXX for XXXX that I needed for car repairs on XX/XX/XXXX. This is a higher interest loan but I needed it badly. It was deposited into my account on XX/XX/XXXX. 

PNC closed my account without notice. They said they would send my balance ( the XXXX dollars that was direct deposited from XXXX ), within 10 days. Never received it. They sent a letter saying they would send my balance once all pending transaction cleared and settled. This was 2.5 months ago. 

I now am wayyyyyy behind on payments to XXXX and never even got access to my funds. PNC refuses to send my check for the balance they are STILL holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: AES/PHEAA
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 status incorrect

Complaint:
Last night I was on XXXX XXXX and my credit scorXXXX was at a XXXX for XXXX and a XXXX for XXXX. To make sure that I was looking at the credit raise and to ensure that it was indeed mine I checked all the accounts to makes sure that it was all mine and all information was correct. I even logged out and logged back in to make sure I wasn't losing my mind. I saw that my payments for my student loans had decreased by overall debt balances and so I was on a great track. Then, suddenly within an hour 's time I logged in the XXXX XXXX again to show my husband that my score had been raised and my score was no longer at a XXXX for XXXX  and XXXX for XXXX but at a XXXX and XXXX and there was no reason given for the change that had just took place. There was no added inquiries nor new information about a collection added or anything. This is highly upsetting due to the fact that my husband and I are trying to purchase a home and I have been trying to working on my credit for the past 5 years. I am finally in a place where my credit can reflect that and I thought all of my hard work paid off. XXXX XXXX has done this to me before and I can not call them to and it takes two to three business days for a support representative to reach back out about this. I need for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: BARCLAYS BANK DELAWARE
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Through my interaction with Barclay Bank over the last several years, it is in my opinion that this bank fails to conduct business in professional and ethical manner. 

Latest unresolved problem : I had received kitchen cabinets that were damaged and had errors in the order that were charged on my credit card in XX/XX/XXXX and XX/XX/XXXX. When the merchant wasn't responsive to resolve, I disputed the two charges on my credit card, XXXX Visa by Barclay Bank. My first being, they failed to register my dispute and charge back until months later ( XX/XX/XXXX ) when I followed up. The merchant noticing this charge back months after deliver of the cabinets filed a police report. Even though not resolved, I wasn't willing to turn a civil case into a criminal one and I removed the dispute in XX/XX/XXXX. I was finally rebilled on XX/XX/XXXX ( {$2000.00} and {$830.00} ). The merchant claimed he was not credited and filed a mechanics lien on a housing co-op property where I live. I called multiple times and mailed a letter asking for proof the merchant was paid. I never received the letter that I was first asking for nor did I receive the details I requested. I requested what day and time was the merchant issued the payment, what manner of payment, and what merchant account was issued the credit. The matter is now urgent with 3rd party lawyers for the housing co-op involved that are threatening to hold me accountable for the legal fees if the mechanics lien is not removed within the next week. I tried to explain the urgency with multiple calls and with multiple representatives on XX/XX/XXXX to no avail. Instead, I get customer service representatives at Barclay Bank who laugh at me and give me a reprogrammed response. This is the norm, not the exception when dealing with Barclay Bank. 

Also, please be aware that the number they have been recently providing on the XXXX  XXXX XXXX  is inaccurate. I called this number and it was for the hearing impaired, no stated connection to the company. Further evidence that they fail to function in a businesslike manner. See below : " We appreciate the time you took to speak with us regarding this matter. Should you have additional concerns, please feel free to contact us via phone at XXXX so that a member of our Office of the President can further assist you. Our hours of operation are XXXX XXXX to XXXX XXXX eastern time, Monday through Friday. ''

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 2019-08-14
Company: EQUIFAX, INC.
State: IN
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 a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my XXXX, XXXX XXXX, and Equifax reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by XXXX  and Equifax. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called Shellpoint mortgage ( new rez ) at XXXX XXXX XXXX about removing my PMI since I have been in my home for the last 18 years and have paid into PMI previously and it was removed after 11 years, they refused. My home value and loan amount is well within the required percentage to qualify to have the PMI removed. I had to refinance to put the same home in my name alone per the divorce decree instead of both names. My name was on the original loan, its the same address, I have now had the current mortgage since XX/XX/2016 and have not had any late payments in the last 12 months. Actually I have only been late once in the last 4 plus years. I feel that it is unfair that I pay the PMI again for the same house for another 11 years because of a refinance was required. 

My home value is $ XXXX and the amount of my loan is now 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
FCRA, ECO. 
11years perfect payment history. My utilization was just below half. Tansunion clamed i had multiple department store cards with high limits. LIE. i had 4. And 2 of them are 35 % utilization btw under. And with there letter request to lower my cc limit to two of my retail cards to the balance had that then shot my utilization for those 2 card to 99 %. Is a complete mis representation of me, transunion MADE IT True by sending that request. Transunion clams they are following FCRA / ECO. But they dismissed my flawless payment history with that company that had opend 3 years ago.and they ajard my utilization score to make there letter read true. 
On XX/XX/XXXX at XXXX i received a email XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit. On the XXXX according to transunion XX/XX/XXXX they had made efforst to make changes to my cc limit they also claimed because i didnt own a house. For collateral. I was hung up on 2 times when i proved that they fabricated lies and made a amind amount to the show supper high utilization scores. Like they had claimed.

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 2021-06-19
Company: Improved Data Services LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt collector Improved Data Services calling place of employment after being told not to contact me at work

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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 information incorrect

Complaint:
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

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 2021-07-16
Company: EQUIFAX, INC.
State: MS
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:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX. I go to branch to close my account due to my bank checks were robbed. I told representative my concerns about maintain account open. I fill up documentation. I had on my account previous of clossure {$27.00} the representative tolds me due to close the account before the year the will charge {$15.00}. 
Process a transfer to my personal account of {$12.00} and left {$15.00} on the account. 
Next day XX/XX/XXXX, I received a call from branch and told me the account couldn't be close because a payment of {$20.00} from a service I authorized income to the account. 
They pay the amount cause on my account I had {$27.00}. 
They acredited to my personal account {$12.00} but they never deducted the {$12.00} from the main account. 
They charge me {$15.00} for insufficient funds to proccess the transaction of {$12.00}. 
Plus I have {$4.00} charges for the account in negative. 
I transfer to the account in issue on XX/XX/XXXX. {$46.00} dolars. 
I call customer service to report the issue they told me monitor the account and call them. 
I notice on my account only had on XX/XX/XXXX {$11.00} so I transfer today {$2.00}. My account have {$15.00} dollars at the moment. 
I call the customer service. Asking if the can take action or verify to branch to complete the process. They tokd me I have to wait until tomorrow XX/XX/XXXX to the accoubt get cleared. And I have to go again tonbranch to close the account. I told them I already submit the documentation. But they told me I have to go again to do the same process and no warranty of more charges in the time remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against Navy Federal Credit Union for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address discrepancies in my account, Navy Federal Credit Union has failed to respond, violating FDCPA Section 805 ( c ). Additionally, my request for verification of the debt, as per FDCPA Section 809 ( b ), has gone unanswered. The account was charged off without resolution, potentially constituting an unfair practice under FDCPA Section 808 ( 1 ). Despite the chargeoff, Navy Federal Credit Union still retains the title associated with the 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 2023-08-30
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: IN
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:
The following inquiries done by XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company response to consumer: Closed with explanation