BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2018-01-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with Equifax twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

XXXX and XXXX were contacted because of the same issue and all 3 still report similar information in error. 

I make a six figure income, have well over XXXX credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CREDIT ACCEPTANCE CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting 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 2020-10-08
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is my 2nd complaint to cfpb please see case # XXXX my disputing still not resolved yet ( over 10 monthes ) and Discover card already added to my credit report " CHARGED OFF '' this is too threatening, That is not fair to me who suffering with id theft with multiple fraudulent charges disputing.

today i called them again and went police dept i will mail again police  investigation report and XXXX XXXX  closed docu. 
plese consider one more time my case this discover card company made my life so hard on top on this quarantine tine Thank you " cfpb ''.

As a normal, ordinary consumer, cfpb is the only one i could rely on Thank you again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In 2015 I purchased a XXXX $ tv from Best Buy with a 2 year interest free BestBuy Citibank credit card. I wanted the minimum payments to pay off the tv in the 2 years and never made another purchase on the card. The statements were being sent to an email address that I was unable to access. We had a Fire early last year and need to replace all the electronics so when I applied for a new credit card under new email address that's when I found out that I've been paying XXXX $ a month for the past 5 years. for close to XXXX $ with a balance of XXXX or so left. We contacted a supervisor at Citibank and explained the situation to XXXX team number XXXX out of Tennessee. He refused to remove the interest charges and said there was nothing anyone could do about it. 
I appreciate you looking into the matter and any assistance you may be able to give

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 2022-01-09
Company: EQUIFAX, 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:
This complaint is in reference to a letter I received from Equifax on XX/XX/XXXX in response to a complaint I submitted to the CFPB on XX/XX/XXXX. Case # XXXX. 
The letter in which is attached to this correspondence, states that they will not be conducting further investigation into the XXXXXXXX XXXX account # XXXX They also stated that the result of the previously submitted dispute will be sent in 30 days. making it a total of 120 days in order to conduct this investigation. 
Equifax is willfully violating the ( FCRA ) Fair Credit Reporting Act which clearly spells out that a credit bureau is required to respond to you and complete their investigation within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item from your credit file. 
The law is in place to insure fairness and order. And this consumer reporting agency should not be allowed to fabricate their own rules. 
The response is a desperate attempt to cover up the fact that the law was broken. 

Equifax is one of the most unethical companies I have ever had the misfortune of dealing with. They have failed to validate their claims of reasonable investigation since my initial request. 
This behavior is a direct result of big companies outsourcing cheap labor and leaving the American people in the hands of undertrained and incompetent people with very little respect for the regulations set forth by our federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have noticed this specific charge-off on different credit reports for over 15 years and keeps going to different collection agencies and starting over the age of the account as well as the report date. I have put this same company/debt in my XXXX report years ago and seen it taken off, now it's back reporting negatively on my credit report hindering me from obtaining personal credit and business credit. The collection agency is Eastern Account System for {$1700.00} original lender name ; XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never signed a contract or agreement with the Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX can not collect any amount of money that is not permitted by law or by agreement. 
" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
Whereas no relationship exists between Immediate Credit Recovery XXXX XXXX and me, and whereas I never signed a contract or agreement with Immediate Credit Recovery XXXX XXXX, I cite Lack of Privity. 
Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the Immediate Credit Recovery XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX College to collect if they decide to assign it to another company, in this case Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Immediate Credit Recovery XXXX XXXX, I owe them nothing. 
I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that you do not have a contract with me. Therefore, you have no proof that you have ever provided any services to me. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Immediate Credit Recovery XXXX XXXX, which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated. 
So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims that have been made by any creditor regarding this account. 
4. Verification that this debt was assigned or sold to collector.
5. Commissions for debt collector of collection efforts that is successful. 
6. Proof that Immediate Credit Recovery Incorporated is bonded/licensed to collect in Texas. 

Immediate Credit Recovery INC continues to ignore my requests for information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you follow suit with bothering my credit report. I will file suit against your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This XXXX XXXX XXXX was included in Chapter XXXX Bankruptcy discharged on XX/XX/XXXX I recently learned the debt has re appeared as a derogatory account still owed on all three credit reporting agencies on both mine and my wife 's credit reports, even though the original account was in my name only. Both names are on the discharge. Then on XX/XX/XXXX I received a collection notice from Diversified Consultants claiming the dept is now owed in the amount of {$860.00}. It appears to me that XXXX and the collection agency may have assumed the discharged debt would not be noticed, in an attempt to repost and collect the debt illegally. 

The collection agency ; Diversified ConsultantsInc XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company received a letter dated XX/XX/XXXX from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent notices to XXXX XXXX XXXX XXXX whose address is XXXX. XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and have asked them to verify and validate this supposed debt. So far, all they have sent me are copies of billing statements. I have also asked for and have a right to documentation with my signature that shows I owe this debt and an agreement that grants them the authority to collect on this alleged debt. I also would like a copy of their state license, including the license number which gives them the legal authority to collect in the state of Ohio. Again, I have received nothing from them other than some billing statements. I have no signed contract with this company and they have provided me nothing whatsoever with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammers called me claiming to be XXXX, the power company. They told me that my payments hadnt gone through and that they would shut down my power if I didnt pay a verification fee. I payed XXXX dollars but the scammers said the system needed more. I paid XXXX dollars more. They said they needed my bank information to refund my money and thats when I knew they were scammers they already took {$650.00} dollars at this point and they wouldnt refund, they started getting aggresive and more threatening so I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call on my cell phone asking for someone else. When I stated that I was my cell phone and my name the collection agent keep asking me if i new the person. I asked them not to call my cell phone again and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my savings and checking account with no warning. I logged in this morning XX/XX/2021 to pay a bill online and my account was unavailable and it would not let me pay any online bills. I thought it was a glitch, so I logged in in the afternoon to see if the glitch was cleared and noticed my savings account had disappeared. I called USAA and spoke to a representative who told me it was a business decision but could not tell me why the business decision was made. The representative transferred me to a dispute department, who transferred me to someone else, who transferred me to a specialist. All I received was that there was a letter mailed out that I did not receive. All my communications with USAA has been electronically so getting a letter is not something I would expect for closing my account. No emails, No electronic online posting in my notices, and no phone call to warn me... .just a letter ( which I still have not found ). This is completely unacceptable and I will never recommend USAA to anyone again. So now I am out XXXX and have to wait XXXX to XXXX  days to get my check for my checking and savings account to pay my mortgage, stop all my direct deposits, and update all my information that had automatic payments. Thanks USAA, this is what XXXX years of service gets you. There should be better notification practice and business decision with no other explanation is complete failure. The crazy thing about it all is that I had mortgage insurance and auto insurance under USAA which was automatically taken out of the account and was never late ( probably will be now since I have to wait for my check XXXX to XXXX days. I guess that it will be late now, and that is now even now up in the air .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX,2020 {$1500.00} and XX/XX/2020 {$230.00}. I file a dispute with my bank for unknown charge not authorized by me, they gave me a provisional credit and months later they took the money out again and my account went overdraft, i have send documents to the bank to appeal the decision since i have not authorize those transaction and its been over a month and no answer from my bank.

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 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXXTransunion XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie Transunion states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from XXXX  and XXXX. I will upload docs. I DISAGREE WITH THEIR INFO

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 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I paid a fee to Bank of America on XXXX XXXX, 2017, to stop payment on a check. I requested the payment be stopped the same day I wrote the check ( which was for {$990.00} ). The check went through and Bank of America has not refunded my money. I have a paper trail from Bank of America verifying the stop payment request. 

The letter from Bank of America admits that we " issued a stop payment order on XXXX XXXX, 2017 for {$990.00} against check number XXXX XXXX XXXX XXXX XXXX. '' ( The quote is taken from the Bank of America letter. ) The letter goes on to say that Bank of America is refunding our {$30.00} stop payment fee " as a courtesy. '' I fail to see the courtesy here. We have the evidence that we paid for a stop payment on check number XXXX. Bank of America admits that we paid it. However, Bank of America allowed that check to go through. 

For me, as an individual customer with Bank of America for 27 years, this is outrageous behavior! I am deeply hurt and disappointed by my bank. The {$990.00} is a lot of money for me. I need that money returned. Surely a huge institution like Bank of America can do right by a customer who has been with them for 27 years. 

The mistake belongs to Bank of America. I place the stop payment order and paid the {$30.00} bank fee to do so within two hours of writing the check. Bank of America did refund our {$30.00} stop payment fee but has refused to refund the {$990.00}.

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 monetary relief