BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX : # : XXXX, XXXX : XXXX : XXXX, have 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. Any 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.

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 2021-07-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
After reviewing my credit report today XX/XX/21, I noticed XXXX  & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple calls a day from Portfolio Recovery. Every call is from a different number in a different state. I have answered multiple times to ask them to stop calling me. The collector hangs up or is harassing toward me. I want these phone calls to stop. When I do answer the call the collector is rude, threatening and belittling. Especially in this time of what is going on, that is not necessary. I have blocked every number that they have called me from but they just call from a different number. I have not received any mailings, just harassing phone calls 7 days a week. 

Below are some of the phone numbers that I have been contacted by - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Those are just the numbers I can identify. I have over a dozen more that my phone identifies as SPAM that I am sure belongs to portfolio recovery. They call me multiple times a day from the different numbers and 7 days a week. I receive phone calls on Sundays at XXXX! 
This harassment needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **all of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Skopos Financial, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
skopos financial has been making false report with XXXX, XXXX, and XXXX, regarding when my first late payment began. i open skopos automobile loan XX/XX/XXXX, i began having financial difficulties around XX/XX/XXXX, i have provided supporting document from skopos from XXXX thruXXXX late payment statement with past due amounts ranging from {$910.00} to {$1800.00} in late payments. credit reporting law states 7 years from the first date of being late, skopos has been reporting my account late begins XX/XX/XXXX. 4 years after the true date., there adverse actions had cost me denial of credit and higher interet rates.i have asked XXXX, XXXX and XXXX to reinvegiagte this matter. with late payment statement i have yet to recieved this account removed from my personal credit report. i submit copies to all three agencies in late XX/XX/XXXX, only thing im seeing my credit score dropping.

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 2021-07-01
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I submitted a cease and desist letter to Southwest Credit Systems stating that I do not want them to contact me via the fair debt collection practices act. They have tried to contact me since then and they have submitted a collection on my credit bureau after they received the cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit consumer report withholds inaccurate information communicated from XXXX, XXXX and TransUnion. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.

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 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
Its been several months of trying to resolve this issue with XXXX. In XXXX, I legally changed my name. All of my credit and student loan accounts have been sending reports to XXXX, XXXX, and Equifax with my new/correct name since XXXX, and they sent me written confirmation that they sent additional reports to these bureaus to ensure they would have the correct information. XXXX changed my name and continued reporting my accounts as normal. XXXX, however, refuses to update anything outside of my name and address, and they keep telling me that they cant do anything about it, so my credit report is missing several accounts and my score is incorrect. I sent over both digital and physical certified copies of my ID and legal court order. Ive started multiple disputes with XXXX and spoken to several representatives in the Member Services Department, Dispute Department, and Special Services Department. I spoke to XXXX in the XXXX Department on XX/XX/22 at XXXX who informed me that they still had majority of my credit report under my previous name and so my information is inaccurate. He transferred me to the Special Services Department where I spoke to XXXX on XX/XX/22 at XXXX XXXX. He was very rude, said that I didnt know what I was talking about, yelled at me over the phone, and then hung up on me when I asked for an escalation and a supervisor. Legally, XXXX has to update my information when there is evidence that it is incorrect. I then contacted Equifax, who also refused to update my credit report with correct balances and account information. I started several disputes with them and spoke to multiple representatives who all refused to rectify the missing information. This issue affects my identity verification, significantly delayed my application for housing which put my safety and security at risk, and I cant apply for any loans because my credit reports arent matching with all the bureaus. I will have to take legal action if this is not resolved because this is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have to say that paying on line with Primary Residential Mortgage Inc. 's  system was a problem. We would like you to know that when we went to pay our payment of {$2800.00} on Friday XX/XX/18 on there web site ( which we have used in the past ) we never confirmed the payment as the web site gave a notice that it was having technical issues and to try back later. I than noted it on my payment stub to retry on Saturday. I went back in on the XX/XX/XXXX and it showed unpaid with a late charge so I confirmed it and paid {$2800.00}. On XX/XX/18 my bank notified me that Residential Mortgage  had pulled two payments from our account which caused us to over draft. We than called PRMI to be told that nothing could be done. They also went ahead and applied the second payment to XX/XX/XXXX payment which we never authorized. This I believe needs to be corrected as we did not authorize the first payment and should be returned due to there web site system being the problem. It did not show paid in there system on XX/XX/18 which cause me to think that it had not been paid. I would of never had paid it with a late charge if I knew it had been paid on XX/XX/18. For a person that relies on my pay check every two week they have no right to take the money and apply it to when they want. We re just asking to have it reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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: Investigation took more than 30 days

Complaint:
I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XX/XX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of 11/27/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.

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 2018-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 i received a phone call on my mothers cell phone from Portfolio Recovery. They stated that if I did not pay that I would be sued. Collections agent kept switching her story between telling me that the statute of limitations had passed, and that it hadn't passed and I was going to be sued because the statute was not up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2022-11-24
Company: EQUIFAX, INC.
State: CA
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 XXXX credit bureaus are required to authenticate these accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX Filed on XX/XX/2019 Reference number XXXX XXXX, XXXX XXXX XXXXXXXX Filed on XXXX XXXX XXXX  Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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:
the following transunion should be removed ... ... XXXX XXXX-XXXX..XXXX  XXXX  XXXX ... XXXX XXXX-XXXX ... XXXX-XXXX ... XXXX  XXXX-XXXX  ... XXXX  XXXXXXXX ... 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 explanation
Consumer complaint received 2023-02-28
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like to report Predatory Lending practices on behalf of Elan Financial Services. A previous complaint was filed in which they admitted they had told me I was not required to pay an exorbitant minimum payment for the month of XXXX, but is still charging me anyway. This is Predatory Lending practices. 

Elan Financial 's response to my complaint was " Our review found that you were provided inaccurate information regarding how your credit from XXXX was applied to your account. We have confirmed that the account is not being reported as delinquent for XX/XX/2023. '' Their response also stated my XXXX balance was {$6000.00} and that they received my {$160.00} payment ( as I was told by their Customer Service that I did not need to make the exorbitant payment of {$1100.00} minimum due because my Target credit was received on XX/XX/2023. Elan 's response then goes on to say by XXXX statement had a balance of {$4800.00} and a minimum payment of {$1000.00} ''. 

How can I have a XXXX balance of XXXX, if only {$160.00} was applied? 

Elan flat-out lied to me ( as a holder of the XXXX XXXX XXXX ) about receiving the XXXX credit of {$1100.00} on XX/XX/2023. They told me on the phone that I no longer needed to pay the {$1100.00} minimum due and that they would note this in my file. 

Elan is still saying they want the {$1100.00} by XX/XX/XXXX, even after admitting THEIR mistake ( i.e. " you were provided inaccurate information ... '' ). 

I refuse to pay 25 % of my balance due to ELAN taking XXXX weeks to credit a return back my account. Elan 's response to my complaint states they still want me to pay {$840.00} on top of the {$360.00} that I have already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX store year ago I purchase an item under a subscription. I went to the store and returned the item and canceled the subscription after a year. They run this subscription again and charge me to my credit card. The item that I not receive Ive been fighting with them for four month to five letting them know, and they keep telling me different stories. They decide to close the credit card and leave the balance on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called into Navy Federal on XX/XX/XXXX to pay my balance in full on my credit card ending in XXXX because the due date is XX/XX/XXXX and I wanted the card to report paid in full to have a positive impact on my score. The representative informed me if I did so it would be because it would report on the due date and Federal Trade Commission would be closed over the weekend and holiday so any transactions over the weekend would be reported and have an effect so I did and we made the adjustments to do so. I paid up the {$1000.00} balance and some to cover any over flow that was pending at the time. Over the weekend I use the card as I was advised doing so would not have an adverse affect because I clearly wanted to know on what day to pay on to and Navy Federal Credit Union would report my card to the credit bureau so I know on that day I could pay and the union would report as such. Well was misinformed or the credit union for what I see has clearly reported false information to the bureau because the balance was XXXX with a credit when I paid on that day. XX/XX/XXXX when I pulled my credit report Navy Federal Credit Union showed a balance update on XX/XX/2021 of {$300.00} and has refused to correct ever since and allow me to speak with the Vice President regarding to make the change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation