BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and Transunion. This is not my account, and it seems like XXXX has proven this.

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 2017-11-07
Company: GLA Collection Company, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
GLA contacted a phone number I do have but it is a cell phone and the voicemail is not secured and does not identify any name. The message broke HIPAA and fair credit by disclosing nature of call, that it was for home health services, and stated there was a judgement of which there is not. I contacted the XXXX XXXX XXXX and they show they had not spoken to me and that I do not have a judgement. I called GLA and because I would not give me social security number they refused to accept my statement of dispute of the debt. I am not required to give my SSN and I did verify the phone number and my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my credit report and found the company diversified consultants on their as a debt I owed. I called the company and was told I had to pay the amount requested {$1300.00} or I will get sued. I explained to the guy XXXX that this debt did not belong to me. So on XX/XX/XXXX I mailed a certified letter to the company asking them to validate the debt and send me the signed contract and copy of my photo ID. They in return sent me a bill from XXXX. Which shows a address which never belonged to me. I have never lived in Utah. 
I called XXXX on XX/XX/XXXX trying to get information about this bill. They kept transferring me all over the place and then finally told me they could not give me any information without the account number and address on file which I did not have because it was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2016, My wife and I were discharged from Bankruptcy chapter XXXX which included the debt on the home we were living in. The house was supposed to be auctioned off, and sold. This however, has never happened, and still is showing at the county that we own the property. We can not purchase another home until this property is off of my record at the county. I do NOT need credit adjustment, just it foreclosed  on, so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX  mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: DISCOVER BANK
State: FL
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:
I have been making purchases with my credit card and when I make a full payment it does not show that I have been paying it. In the month of XXXX, I paid {$630.00} and made {$580.00} worth of transactions which would mean I overpaid but, I was still being charged as if I did not XXXX out the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2017-11-07
Company: EQUIFAX, INC.
State: SC
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 contacted Equifax several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were purchased by Navient in XXXX XXXX 2017.  Navient purchased or transferred my loans from the loan servicing company XXXX. With XXXX I believe I was enrolled in the automatic debit program ( ACH ) that included a .25 % reduction in my interest rate for being enrolled in the ACH program. SO the interest rate of my loans serviced at XXXX was actually .25 % less. It seems as though loan companies may not be honoring this actual interest rate borrowers had with their previous loan companies? IS this legal? I am wondering about the legality of this purchase/transfer and the loss of honoring the real interest rate on loans that I may have had with XXXX? I am also concerned that other borrowers are being robbed of this option and I am wondering if you have a response to this? Please let me know if this is legal or if you need any more information from me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Original Creditor - 12 Capital One N.A. 
2. Collection Agency - XXXX XXXX XXXX Amount {$1900.00} Claiming Amount Owned Date Disputed XXXX Disputed Charges And Asked For VOD Validation Of Debt ***NOT Validation*** Resolution : XXXX Re-investigation in process Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Amsher Collection Services, 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: Was not notified of investigation status or results

Complaint:
I have contacted Amsher Collections on more than one occasion requestiong validation of debt and everytime I call im told that ill have to wait 60-90 days but the request was made. FCRA states they have 30 days when I notified associate of that she hung up in my face. I Called back asking to speak with A manager im told one is not available but they can have one call me back and I never hear from them. I reached out around XX/XX/2021 and still have nothing. I would like this inaccurate information removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: MN
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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information XXXX A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2017-11-03
Company: Professional Credit Analysts of MN, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown address.

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 2022-03-10
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the XXXX time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a XXXX investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over XXXX ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by XXXX shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and XXXX all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to receive repeated calls to my phone number XXXX from a revolving list of numbers associated with Portfolio Recovery. I returned their call to XXXX on XXXX/XXXX/XXXX and explicitly requested they stop contacting my phone number. I was told they would not stop calling until I identified myself, which I refused to do other than stating I was the owner of phone number XXXX. I have since continued to receive repeated calls from this company ( 12 additional calls that I can find in my phone ) from various numbers all over the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID  NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: NC
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 have noticed that you have not deleted these hard inquiries from my Experian credit report dated XX/XX/XXXX. Based on the evidence in my possession, I am, requesting that Experian removes the mentioned hard inquiry from my credit report upon receipt of this complaint to avoid further damages to my credit report. I have attached to this complaint authorization letter from XXXX XXXX XXXX. giving permission to Experian to delete these hard inquires. I have recently mailed this correspondence to Experian dated XX/XX/XXXX and I have not yet received the results of deletion from my credit report.

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 2019-06-26
Company: Credit Karma, LLC
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 noticed on my Credit Karma report that there was a credit hard inquiry on my account ( first appearing on todays report, XX/XX/2019 ). I have not applied for an loans, apartments, new lines of credit, etc. Of course, Id like to know who and why theres a new hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already canceled all the services and the XXXX  XXXX still charge me for next circle bill, I refused to pay them and the collector marked as debt, they said they decided when to stop my service.

Company response to consumer: Closed with explanation