BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
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 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 2015-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2019 we funded on a construction loan and refinance of our house through First National Bank. The builder, XXXX XXXX XXXX XXXX, was vetted by First National Bank. We were told that the bank would be in charge of releasing funds to the builder as work was completed and after inspection. The builder was able to collect 90 percent ( {$67000.00} ) of the funds allotted from the loan without passing the necessary inspections. XXXX XXXX XXXX XXXX attempted to collect the final balance ( {$6000.00} XXXX and only was rejected when the appraiser came and declined to approve the final inspection due to shoddy workmanship and an incomplete project. It was after this that we discovered that the builder had failed multiple inspections by the county and continued to build, leaving us without access for the inspectors and possibly resulting in an entire tear down and rebuild.

The bank approved the release of funds without considering important documents and without properly performing inspections to ensure that the builder was building to code. The builder abandoned the project leaving us without a certificate of occupancy and with over {$30000.00} in repairs. 

We are working with attorney XXXX XXXX of XXXX XXXX XXXX, XXXX, and have paid out thousands of dollars to try and recover the money necessary to fix the failed inspections and shoddy workmanship. We have contacted First National Bank several times to ask for support, but have been informed that they will not assist with our legal challenges. They confirmed that they approved the release of funds, but that they did not take inspections vital to completion into consideration. 

If we are unable to recoup these funds we will be unable to fix XXXX XXXX XXXX XXXX 's mistakes and be left without a certificate of occupancy and remain shorted at least {$40000.00} in equity. The bank should bare responsibility for legal fees and court costs as they were responsible for inspecting and approving funds. We may lose our home if we can not afford the legal fees associated with this case and were never informed that the bank inspections would not include ensuring the project was completed to code. The lender is responsible for protecting the consumer to prevent this type of financial loss and ensure that customers are not manipulated by this type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom it may concern, Previously credit report has been deleted from my credit report because of identity issues and violation of the fair reporting act. And has previously been reinserted back on 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 explanation
Consumer complaint received 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have a judgment against me from XXXX  from asset XXXX or XXXX  XXXX  they are trying to garnish my wages I can not have this I will lose my job if they do this they told me I could not pay what I could afford which is {$50.00} a month that they could come and arrest me if I don't pay more now they are garnishing my wages I am willing to pay them {$50.00} a month but I can not have my wages garnished I am the only person working in the household and I am barely making it with what I have every time I call to make arrangements they threaten me please help me with this matter and don't let them move forward with garnishing my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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:
XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Trans Union declared the the information was verified an ( unnamed source ) verified the information.

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy, if this is not provided the bankruptcy must be deleted. Pursuant to FCRA this information must be provided within 15 calendar days, if Trans Union does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to TRANS UNION, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

It is without dispute FCRA requires the furnisher of the information must ( in this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX   DISTRICT OF FLORIDA, not a third-party agency to verify disputed information. 

Attached is the investigation results of the Trans Union report and a copy of this document. 

Regards, Mr. 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 2018-05-30
Company: HW Holding, 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: Investigation took more than 30 days

Complaint:
sent hacking police report and ftc they wont fix my credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 2022-06-15
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:
Experian will not take off this account by XXXX XXXX XXXX XXXX my information was leaked by XXXX in a data breach I have filed a ftc identity theft report about this situation, I want this account removed and blocked, I have reported this to XXXX and XXXX they have immediately removed this account off my credit reports, I had XXXX XXXX commit fraud in the past, I want this account removed and not be put back on my report, Experian needs to do there job, I have sent a ftc report to experian these people are rude mad unprofessional, I also filed a complaint against XXXX for the data leaked I have other accounts that was open due to my information being used yes, my information matched because someone used illegally now removed this account before I file suit, now I have uploaded my information to this website now remove this account and block it, all accounts XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  these companies have open these account fraudulently

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021, I purchased a XXXX dishwasher in the amount of {$1300.00}, order number XXXX from Home Depot in XXXX TX,XXXX. The appliance was set for delivery on XX/XX/2021, On day of delivery the appliance was damaged, I refused delivery, and cancelled the order. I was advised by Home Depot Credit Card services, which is adminstered by CItibank, that I could not receive a refund on my Home Depot credit card until the damaged appliance was returned to the manufacturer and that I would be obligated to pay the credit card balance until the appliance was received by XXXX XXXX the manufacturer. It seems predatory to charge someone for a product they never received. The refund should be automatic to my Home Depot credit card, the appliance returned to the store of purchase and Home Depot should return to manufactuer. In addition, I am XXXX years old was never advised of this credit policy and no where on the purchase contract does it state this policy.

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 2019-11-14
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:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX  XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX   XXXX. XXXX XXXX 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 2020-10-06
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a Pay Pal account and had my relia card changed to Pay Pal from my unemployment benefits. I never used the card and when my benefits loaded on to Pay pals card, they licked my account and closed it keeping my monies.Ive exhausted my means in trying to speak with a customer representative to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I noticed a garnishment on my paycheck in the amount of {$500.00}. My employers payroll department said that a collection agency had placed a garnishment on me for a total amount of {$2900.00}. After work that same day I went to the agency to find out what this was about. After looking my name up they could not find any garnishments so they looked up my social security number and it turns out they had placed my SSN. After determining that I was being wrongfully garnished they gave me a release of garnish paper and said that they would refund the money they took from me and that they would contact my employer to stop the garnishment immediately. On XX/XX/2018 I checked my next paycheck and noticed that the garnishment was not removed and they had taken another {$370.00} from my paycheck. This makes a total amount wrongfully taken from of {$880.00} so I called my payroll department and they informed that they had not received anything at all from Professional Finance Company stating to release the garnishment. At that moment I asked if I could email them release of garnish letter that I received two weeks ago. After work I went to talk to PFC to see why they had not notified my employer to stop the garnish. The so called agent behind the counter named XXXX said that they had talked to my employer earlier today. I asked for an explanation why they had not notified my employer to stop the garnish and all that person said was he did not know. When I asked if there is someone who could actually answer my questions he said " no there's no one. '' Then I asked to talked to someone above him, he brought out a lady that was also no help at all. She tried telling they had sent the notice by mail. I asked for when it had been sent and she could not or would not give me an answer. At this point that lady noticed I was recording them and had that XXXX guy tell me I could not record them. Then I mentioned that it is my constitutional right to record anywhere in public. After I said that lady walked way and the guy kept saying they don't consent to being recorded then refused to talk to me and walked way as well. This XXXX guy is in my opinion useless and incompetent and should be fired.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees, nor do I know what these fees are in regards to.

Company response to consumer: Closed
Consumer complaint received 2023-07-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
us bank allowed the IRS to close both of my secured credit cards with them. XXXX of the cards was closed with a XXXX balance the other card was closed with me oweing XXXX due to the bank letting them over draw my secure account

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 2020-07-29
Company: SUNRISE CREDIT SERVICES, 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 status incorrect

Complaint:
This company working fraudulently to extort funds from me. Sunrise Credit Service at XXXX XXXX XXXX XXXX, XXXX NY XXXX with phone number XXXX has put a false mark on mr credit report on XX/XX/2020 for an XXXX XXXX bill. When I called XXXX, they said the bill has always been current and is not even in my name, it is in another household members name. 

Also, when I told this to Sunrise Credit Service they didn't care it wasn't in my name or that the bill belonged to me or that it was never late. 

The person I spoke to and his supervisor were seeming to try to fish for more personal data about me. This concerns me that they may have my identity now. This company seems to not legitimate. This company seems to pretend they are a collection agency just to get personal information and they get you to call them by putting false information on your credit report. 

I will also report them to XXXX and the Attorney General.

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