BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
In XXXX of 2018 I submitted all my accounts to XXXX XXXX XXXX to manage all my accounts and to control my interest rates on all my accounts. 

Since my account was not late due to my mishandling of it but due to the interest and contract disagreement between XXXX and Discover technically the payments were being made but the amount and the interest rate was the only point of contention I am disputing the reporting of my account as late. Discover accepted the payments and demanded more money at a higher interest from XXXX who was already paying them on time. 
Since the lower amounts were paid on time this is a fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: IL
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 FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SyncB/TJX Cos : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/XXXX, but no answer was received. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, Bankruptcy XXXX  XXXX XXXX XXXX Date Filed XX/XX/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 2019-03-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SyncB/XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2019-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX and XX/XX/XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NV
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:
Im submitting a complaint to you today to inform you that this unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, Bankruptcy XXXX XXXX Discharged XXXX Date Filed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was 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 XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: American Collections Enterprise, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agencies listed below are NOT licensed in my state ( Delaware ). I am requesting for them to be removed from all three credit bureaus ( XXXX, XXXX, XXXX ). 

American Collections ENT XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed items and take out them if unable to show that the Items are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following items removed now! 


XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX 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 2022-12-30
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-08-14
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
on XX/XX/2022 Nationwide recovery system reporting inaccurate information on my credit several times in the amount of XXXX to my knowledge i have not received service from this company and would hope they remove this information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been getting calls from PORTFOLIO RECOVERY ASSOCIATES for over 1 month now and I have picked up the calls occasionally but no one speaks and they hang up shortly after. They call me during business hours while at work and im receiving calls now past XXXX and they keep calling. Ive called back and can not reach an employee. Im XXXX, i only recently got a credit card and i dont have any debt from anything. No one im related to has died where i might have gotten their debt, i dont have any outstanding payments to anything and i keep getting calls and its seriously boiling my blood. They dont pick up and they dont stop calling. 
I have more than 5 phone numbers that have a caller ID of porfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.

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 2019-03-03
Company: Exeter Finance Corp.
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:
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Business & Professional Collection Service Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have never incured debt with XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my medicaid. This is clearly a billing error that I was not aware of and then was pushed to collections.

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for four years after the service was rendered or last payment recieved. As most companies take a minimum of three to six months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2016 it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing has been contacted several times to drop the Private Mortgage Insurance on a loan. The loan to value is far below the 78 % and the payments are made by electronic transfer. They sent one letter back that said they will send another letter stating that they will drop the PMI. This was two months ago and they are still charging PMI on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent two payments through cashapp to someone who was supposed to repair and upgrade a computer for me to start working. He never did any of the work or upgrade and refused to issue a refund on either payment. Both payments totaled {$500.00} and it put me far behind on bills and also made me lose a job opportunity. I have spoke with cashapp several times about it and was told there was nothing they could do or were going to Do to help me and I was basically going to have to take the loss. I tried disputing the charges with my bank with no luck their either. Cashapp let a man steal XXXX $ from me and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i got a notice from XXXX XXXX that an application and hard inquiry were made in my name for a target  credit card yesterday XX/XX/XXXX on XX/XX/XXXX i also called target to tell them it wasnt me. called XXXX to tell them it wasnt me and update all my info. mailed XXXX a letter to update name and address. called the local post office to let them know i moved 2 years ago and should not be getting mail at that address anymore. came here to fill this out XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.

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