BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
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: Account information incorrect

Complaint:
My complaint is against Transunion credit bureau. They first received notice to remove XXXX XXXX Bank account # XXXX, open : XXXX, status : Closed {$0.00}. Due to the fact that the mentioned account has fraudulent activity. They did removed account like all 3 credit bureaus did but out of the nowhere they reported back the mentioned account, violation of the FCRA. Im attaching letter sent back in XX/XX/, copy of the Federal Trade Commission Report they received and also the 2 reports, 1 without account and the other with account. Please remove this fraudulent account as soon as possible from my Transunion report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX value at that time was {$180000.00} and the mortgage taken was {$150000.00}. The house is now valued at {$240000.00}. 

I have never been late and have made additional payments and balance is currently {$120000.00}. When requesting removal of PMI Huntington Bank responded that this could not be done till XX/XX/XXXX. 

I believe this is just highway robbery at this point XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: 1st Franklin Financial Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company called First Franklin Financial services in XXXX LA on airline Hwy threaten to garnish my wages. I never got a loan from this company.never signed any paperwork I think this is my ex husband debt I been legally divorced for 2 years. I have no loans with this company.

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 2019-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
There was a car loan open in my name that I didnt approve of nor knew about. Credit a acceptance keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with credit acceptance they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent 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 explanation
Consumer complaint received 2019-08-12
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Nordstrom Colorado Service Center XXXX XXXX XXXX XXXX, CO XXXX Card XXXX XXXX ( account now closed ) At some point over past year, I was switched without my consent to online statements only ( ending paper delivery ). Because my Nordstrom account was attached to a personal email account I rarely check ( because it is continually cluttered with spam from third-party entities who have been sold my data ), I ended up being past due on a statement because I received no letter in the post.

I called customer service on XX/XX/XXXX, paid the bill ( {$460.00} ) and the operator refunded the late fees. I then switched back to paper statements online. However, the same incident has occurred again somehow I was switched back to paperless without my consent, I missed another bill, and was late again.

Today I paid my bill on the phone ( {$120.00} ), and closed my account with Nordstrom ( XX/XX/XXXX ).

It is good Nordstrom refunded the fees associated with this problem, but I imagine this has done some damage to my credit score.

I am not sure whether the issue is that 1 ) there is some technical glitch that is not registering my change 2 ) there is a protocol in place for cardholders to be automatically switched without being asked for permission. 3 ) It is also possible Nordstrom does this intentionally to collect additional fees and have the opportunity to increase interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Dear Sir or Madam On XX/XX/XXXX i went in trip to visit my sick mom in XXXX, and during my visit i tried to check my account from there, no order placed to buy or to sell, just checking the balance, So Coinbase identified my IP address and froze my account since american companies prohibited to do business with XXXX. I submitted all documents Coinbase requested, proof my US citizenship and my US residency, so i provided it all, and after many many contact with Coinbase, I still can't access my account after more than 80 days .and no clear response for them other than they are short with staff, i have to be patient or someone will get back to me, which is a sounds like a joke. Please help me to resolve the problem. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Dynamic Recovery Solutions, LLC
State: FL
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:
XX/XX/2021 Company called from phone number ending XXXX. Refused to tell me this was an attempt to collect a debt, after confirming identity. The rep Interrupted me when I attempted to say if this is an attempted to collect a debt discontinue calling me and to only contact me by mail. Spoke over me and Continued to say that it was a personal business matter. Wanted me to confirm personal information. I asked several time what does your company do and what the personal business matter was concerning. Ended call by saying if this is attempt to collect a debt discontinue calling me and to only contact me by mail. 
XX/XX/2021 Called from phone number ending in XXXX. rep refused to give his name or address of the company he represented after I confirmed my identity. Rep wanted me to confirm personal information. I refused several times, as I am not required by law. I asked 3 times if this is an attempt to collect a debt discontinue calling and to only contact by mail. The rep hung up during my 3rd request to discontinue calling. Company has refused to comply with my request. 

This complaint is to serve as official documentation of harassment by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: CITIBANK, N.A.
State: GA
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:
On XXXX I purchased a starter motor from a very large, reputable, vendor for {$140.00}. 

The starter motor was returned back to the vendor on XXXX XXXX XXXX XXXX 

My dispute I.D . is XXXX For months the purchase had not shown up on receipts or invoicing leading me to believe it was a false charge/error. 

I paid my account up and closed my account with the outstanding balance of the {$140.00} due to their inability to rectify the situation. 

On XX/XX/XXXX a refund from a company was posted to the account for {$140.00} and they refuse to pay me that balance. 

They contine to charge late fees and intrest and I want this resolved.

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 2019-09-09
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-15
Company: Park Hill Holdings
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Safe rent solutions has denied multiple applications for rental properties. I have contacted this company multiple times to remove any accurate information from my consumer report. Safe rent solutions LLC refuses to remove these inaccurate items from my consumer report, causing denials and money spent on applications. I would like negative information to be removed from my safe rent solutions consumer report, I have filed multiple disputes and after investigatio the disputes were not satisfied or accurate. I have sent in supporting documents for these public records and credit files and would like these items removed from my consumer report safe rent solutions. I also feel that safe rent solutions discriminate against XXXX and XXXX  by denying applications for rental properties.

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 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX has been reporting a charge off on my credit report which has an adverse affect on my life because it is making it difficult for me to acquire future credit. XXXX and XXXX has removed the account from the report but XXXX hasn't complied. According to the Fair Credit Reporting Act XXXX XXXX section XXXX a states '' There is a need to insure that consumer reporting agencies exercise their graveresponsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE is a financial institution by definition under that title. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. CAPITAL ONE is a financial institution by definition under that title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, and XXXX XXXX XXXX XXXX XXXX, # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Govern Yourself Accordingly.

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 2023-08-30
Company: NRA Group, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths that the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease collection of this alleged dept which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through US mail. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-02-24
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:
I sent in my police reports. Identifying I am a victim of identity theft. They said they are working on it but sent me this stall letter saying i'm not me. I want to hire an attorney at this point. Something needs to be done.

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 2021-07-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company claimed to be from XXXX XXXX and called me from number : XXXX. The person on the phone the ENTIRE social security number over the phone when I told them I did not know what debt they were talking about because I don't owe ACE Cash Express any money. THE SSN was said without even verifying this account! They said they were from XXXX XXXX and would be freezing my access to my Visa, Mastercard, and any other credit cards because they were suing me for the {$990.00} dollars I owe from an outstanding balance from XXXX, XXXX, XXXX. I said that I have no knowledge of this debt and it's not on my credit report. They continued to tell me that it is considered an " arbitrary loan '' and that's why it won't be on my credit until I go to court. I said how can I even know that I have this debt if I haven't received anything in the mail? I hung up the phone then called back the number to see if it went to a legitimate business. The person it routed me to say the address was XXXX XXXX XXXX XXXX XXXX Massachusetts. They continued to tell me that it would be going to court, and I would have my access to my credit cards frozen. I again asked for a debt validation letter, and they refused to give me one until I make a payment arrangement. They told me that the debt collection letters they sent to me counted as debt validation. I never received any letters, so I have no idea what they are talking about or what the original amount is, or IF this is even money that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also Transunion has 1 hard inquiry I did not make XXXX XXXX   email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX  XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is 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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is an unauthorized inquiry on my Trans Union credit report from XXXX XXXXXXXX. I have attempted to have this corrected with both Trans Union and XXXX XXXX to no avail. Trans Union continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. XXXX XXXX is not responding to requests to delete the inquiry. 

According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. 

The inquiry needs to be removed 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 explanation
Consumer complaint received 2023-08-29
Company: Debt Co LLC
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:
15 usc 1681a2 stating you Dislike didn't give written permission to have those accounts furnished on your report

Company response to consumer: Closed with explanation