BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get a free credit report from Trans Union. I received my free credit report from the other 2 major credit reporting companies without issues. When I filled out the on line information which included entering my social security number and credit card information Trans Union said  my account showed an ERROR. I then called on line and got someone that could not speak good English. He/she ask for my social security number. I gave them the last 4 digts along with my name and address. They still could not find me in their system. I ask for a supervisor and was transferred. When I told the supervisor I was recording the call he relied he did not approve of the call being recorded. Why did he object to the call being recorded? They record my conversation? Why do I need to give my full social security number to someone who does not live in the United States and does not have a social security number? Now my FICO score has dropped 23 points since I made this request for a free report from Trans Union. Trans Union needs this brought out over social media?

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 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked Capital One to assist me with late payments I had over the years with them that have destroyed my credit history completely. When the payments were late, I notified Capital One that I was struggling and the payments were not supppsed to be reported as late. I had to move across the country to care for an ill parent with XXXX and could not find employment. 

I contacted Capital One this year XXXX XXXX ) and they gave me access to a portal to submit a good will letter with details all to turn around and say I dont have accounts with them. This is a total waste of my time. Capital One is a predatory lender, completely unwilling to help those who need help the most. 

Now, when I am trying to start a family of my own, its nearly impossible. I wish Capital One would remove these payments! I havent missed any payments with them since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Capital Markets Cooporative, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan has been sold about 4 times since I first opened it in XX/XX/XXXX. The current company, XXXX XXXX, has claimed I have no hazard insurance, and they threatened to make me pay for additional insurance. This information was transferred when the loan was sold. I also had my insurance company fax the information. Today, XX/XX/XXXX, I got a letter, dated XX/XX/XXXX, that this was my second and final notice regarding hazard insurance. They again said I do not have any. I called and ask why they were sending this. They said they never got any information from the insurance company. I then said the information was faxed. They then said they did get information, but it wasn't sufficient. The obviously lied initially and are now claiming there is not enough information. They told me to send the information again. I told them I would, but asked how I would know it was sufficient this time. They said they wouldn't. I would have to call or ultimately pay the additional fee. They are making it impossible and seems like a scam, to say the least. I don't know what to do. I plan to get a lawyer involved, as this seems highly illegal. Also note : in my 2 months with this company, this is not my first issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For approximately 6-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX 's custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact Bank of America ; however, account number provided by XXXX XXXX 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 explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am writing to dispute an account that was created fraudulent. I have disputed XXXX XXXX and XXXX   continues to just update and drop my score every time. The company has hired an attorney and has sent them a contract that does not belong to me. 

The contracted stated I put {$2000.00} down and that is incorrect. The car lot required me to put down {$1200.00}. I gave them {$600.00} and the balance of {$600.00} was due when they finished repairing the car. Upon repairing the car then I would get the official contract to get ownership to the vehicle. 

I request that you remove the fraudulent account that was created to make a sale and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details XXXX   responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: IN
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-07-03
Company: D2 Management LLC
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 status incorrect

Complaint:
I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: PA
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:
The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the credit fair act sayin they didn't receive it and also they need to show me a sign contract with my signature on it to prove the debt. they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court if they do not delete these account last warning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXXXXXX -- {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX -- {$5500.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX  XXXX XXXX -- {$2200.00} XXXXXXXX XXXX  XXXX XXXX -- {$4500.00} XXXX XXXX XXXXXXXX XXXX -- {$2200.00} XXXX XXXX XXXXXXXX XXXX -- {$2300.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX XXXXXXXX XXXX -- {$1700.00} XXXX XXXX XXXXXXXX XXXX -- {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX -- {$5500.00} XXXX  XXXX XXXX XXXX -- {$0.00}

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 2018-12-09
Company: LEXISNEXIS
State: WI
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:
XXXX, XXXX, XXXX  and LexisNexis are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice! All this is happened this year.

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 2022-11-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Navy Federal has already begun investigating this case, but I am still having a difficult time getting this settled. I need Navy Federal to ensure that it has flagged every payment made to XXXX XXXX, because, according to XXXX XXXX, it appears that there were additional charges in addition to the one flagged. Navy Federal has also had incredibly long call wait times, which has made settling this manner increasingly difficult to manage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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 2020-08-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and MIDLANDMCM. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and MIDLANDMCM with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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:
I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit r

eport that were past the statute of limitations. 2.
XXXX XXXX XXXX : XXXX XXXX - I told you  Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: OR
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 of Fair Credit Report list of accounts violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX. 15 u.s.c 1681 section a states I have the right to privacy. 15 u.s.c 1681c. a,5 section states no consumer reporting agencies may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.15 u.s.c section 604 a section 2 Consumer reporting agencies can not furnish a account without my written instructions.15 u.s.c 1681s-2a1 a person shall not furnish any information related to a consumer to any consumer agencies if the person knows 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 explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. 

XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account and not why it's on my credit profile as I have never had account with this financial institution : XXXX  XXXX XXXX  # XXXX Please the support of this account with method of verification some type of binding agreement. 

This is not my account for sure.

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