BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
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: Their investigation did not fix an error on your report

Complaint:
TRANSUNION IS NOT INVESTIGATING MY DISPUTES! THEY ARE SEND ME FAKE RESULTS AND NOT CONTACTING THE SOURCE AT HAND! 



The Following Accounts Do Not Belong to Me! Please Delete them! XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket #  XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXX-This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.

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 2020-09-19
Company: RentDebt Automated Collections, LLC
State: MO
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 terminated a lease in agreement with management and was then pursued for {$1700.00} for breaking the lease. No judgement was obtained nor any promise to pay : management blindsided me. The {$1700.00} is on my credit report as legitimate but it is not, my next step is to file a complaint in my local courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Yet again the file was closed with a generalised response. 
Equifax has a list of my issues and yet claims they do not know which claims I am referring to. 

ALL RECENT FINANCE REQUESTS- please provide a proof of validation including ORIGINAL financing applications bearing my signature. 

I have asked many times for this and receive only a reply to the effect of we have verified as accurate Report numbers XXXX, XXXX, XXXX, and XXXX are the recent attempts, I have many more if needed. 
ALL of the information within those reports does not belong to me - I have mad no applications for any credit in the last 18 months. 
Equifax claims to verify it, but does not provide any proof - I wish to see that verification process and the document that shows my permission to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Ability Recovery Services, LLC
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:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : ***Add Collection Details for the company ( Furnisher/Original Creditor XXXX Account Number ) Account Number : XXXX Collector : XXXX Original Creditor : XXXX XXXX XXXX Status XXXX XXXX Balance Amount : {$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 2020-09-19
Company: ERC
State: AL
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 pulled my credit report and saw several fraudulent accounts to whom I have no knowledge of, some of them dont even have an account name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On Tuesday, XX/XX/2019, there was a fraudulent inquiry made on my Capital One account which is actually closed but still open with a collection agency. Capital One had a breach of consumers information to millions of customers. I received an email stating that " Looks like youre having trouble signing in. For your security, we locked your account access as of XX/XX/2019 at XXXX XXXX ET. '' I did NOT try to access my account! I am a victim of fraud due to the breach of information. I tried calling Capital One to report the fraud but the automated phone contact tried transferring me to the collection agency handling my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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:
After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on Equifax, XXXX  and XXXX There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX This is the information you have requested from me so I'm providing it to you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Convergent in regards to the debt not belonging to me, I asked them to provide all the identifying markers to support their claim such as, Copy of original contract bearing my signature and a copy of the State or Federal ID that was used when account was opened, instead of providing those documents, they only provided a computer generated bill.

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 2023-06-28
Company: EQUIFAX, INC.
State: TX
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX Bank of America debit card was hacked and someone withdrew a total of {$4500.00} in a span of a week on XX/XX/2021. I called the banks fraud department hotline to report what happened and was advised to file a police report to help back up my claim. I filed a report with my local sherrifs office and faxed it to bank 's fraud department. On XXXX XXXX XXXX1 i received a letter from Bank of America saying the case was resolved and no wrong doing occured in my account. I am upset and in a difficult situation with no help in sight. Bank of America failed to secure my XXXX debit card, making it vulnerable.

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 2022-02-03
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: Investigation took more than 30 days

Complaint:
Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 accounts are paid on time, yet my credit scores are declining. The credit reporting agencies are improperly reporting 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 explanation
Consumer complaint received 2022-02-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint previously ( last month ) about not receiving my mortgage statement until after the date due. Their response was I have to pay it over the phone or online. On XXXX XXXX, 2022 I call customer service because I did not receive statement for XXXX 2022 payment. I was told it went out on XX/XX/XXXX. On XX/XX/2022 I call again after still not receiving statement and was then told it went out on XX/XX/XXXX. Once again I have been given misinformation. I had to print a statement to send it in and in and it is my belief I was not sent a statement at all. Shellpoint was the only bill I had not received of all my bills. I was offered automatic payments and or to pay online or by phone. To me that is unacceptable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Delta Management Associates, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Delta Management sent a letter to my employer asking the institute to deduct {$240.00} bi-weekly to service my defaulted student loan. I tried to negotiate the amount but the company refused to listen to me or work with me. I continued to pay until the federal government suspended all payments and collections in 2020 when COVID-19 break. 

Delta Management continued to convince my employer to deduct three payments and sent to them even when the Federal Government suspended all student loan payments and collection activities. 

I contacted Delta Management in XXXX and spoke to them almost every day to refund the money taken to me but they refunded one payment out of the three and promised to refund the rest in two weeks and that has not happened, I continue to call at least once a month all that I hear from the staff is " I am requesting a refund for you and it will take 2 weeks to get to you. '' I have not received the two refunds since XX/XX/2020. Please help me to get my refund since my request is informed by a legislative instrument. Any time I called in the past, they take my address and phone number which I willingly provide but they consistently said " we have a wrong address. '' but they have sent a check to me by address. 

Thank you for the support 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-12-22
Company: ENCORE CAPITAL GROUP 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:
Midland Funding is a fraudulent account. I have never done business with a company by this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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 received a bill for a new credit card ( that i did not request ) I called up Bank of America and spent one hour and twenty minutes on the call during which time they promised me that the card would be closed and I would not be charged. They then put me through to their fraud line and I waited a further 40 minutes waiting for my call to be answered which in the end I gave up on. I received a new credit card bill today and there it is again with extra charges on a card I did not request and had been promised verbally that the card had been closed. I have been waiting on there consumer line listing to someone telling me the appreciate my patience please continue to hold for the next available associate. 33 minutes and 38 seconds and still no answer.

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XXXX XXXX XXXX  Original Charges : XX/XX/XXXX : {$5300.00} XX/XX/XXXX : {$5000.00} Merchant Printed Garments, Merchant did not properly cure garments, resulting in total loss of product. 

Merchant Acknowledged improperly produced garments, offered zero refund or resolution. Complete loss of product. 

Merchant quit responding entirely XX/XX/XXXX We tried everything to resolve issues with merchant before filing a chargeback. 

Opened Chargeback Claim XX/XX/XXXX I mailed proof of damages, and admittance oXXXX XXXX XXXX XXXX negligence and ruined product. 

Current status of chargeback claim is : Researching Claim since 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 monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per 15 U.S. Code 1681e ( b ) - 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. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXXXXXX   which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA. 

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

XXXX  reported completing an investigation, however, the date the information was LAST verified was XXXX 

Equifax and XXXX did NOT provide me results as requested. XXXX made the baseless claim that my dispute did not come although the letter was addressed directly from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
An agent from the company call Me on XX/XX/2018 @ XXXX. No consent was ever given by me to speak to her concerning the debt in violation of the Fair Debt Collection Practice Act. 805. "  Communication in connection with debt collection '' Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

One day before her call, the agent informed me that a letter was mailed to my home address on XX/XX/2018 in violation of 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice The agent I spoke with was both abusive and oppressive with me, and used obscene language to abuse the hearer of her words. I was also harmed with a threat of my reputation being ruin if the debt was not paid in full. In violation of 806. Harassment or abuse 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2017-12-18
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: Information belongs to someone else

Complaint:
XXXX- no knowledge of account in violation of HIPPA and CRA

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