BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metra 2 COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, 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 2022-07-19
Company: Experian Information Solutions 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:
There are several soft inquries on my credit report that I didnt make and lenders are getting copies of my credit report and thinking that I am the one making those inquiries and this makes me look in a bad way to lenders. 
Delete all soft inquiries from my credit report as I didnt make them

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 2021-04-14
Company: California Business Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Califonia Business bureau has committed various deceptive and egregious acts to attempt to extort me into paying this debt. Firstly they have listed it on my credit report as several collections instead of one to attempt to ruin my credit. Secondly they have never provided any signed document, a copy of my id at the date of service or any such agreement saying that I would pay this debt. Thirdly when I called them to try to resolve the collection without going to court they asked for my " social security number to look up my account '' Once I gave it to them innocently the collection agent on the phone said we will never take this off your credit report and said now we have your social security number so you cant get out of this. It has been a terrible experience and this is my final step before pursuing legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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, account XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without 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 2018-05-18
Company: EQUIFAX, INC.
State: MA
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 refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
XXXX XXXXXXXX # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent a few disputes to this company via certified mail with return receipt that have yet to be properly investigated or responded to. Furthermore they continue to charge me, add fees and report to CRA in the middle of unresolved disputes in accordance to FDCPA guidelines and regulations after written notices have been sent to not do so

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 2022-07-19
Company: Sunset Management, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently in a debt consolidation program which this debt is being handle and it is been acknowledged by parent company however this company still ignores and contacts outside of the program payments to collect anyway. At all times and at work and other contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: MN
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:
There are many mistakes appear in my report without my understanding.

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 2022-07-20
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone is using my information to open fraudulent utility accounts. Recently I became aware that a fraudulent account had been sent to collections by Transworld ( I was alerted by my credit monitoring ). I contacted Transworld and let them know that it was a fraudulent account and that I have never resided in Texas. They asked me to file a report at XXXX, which I did. I also sent them copies of my drivers license, power and Natural gas bills here in Oregon during alleged time, and copies of my mortgage statement proving I reside in Oregon. I have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MN
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 information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2021-01-19
Company: AFNI 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  had 3 different accounts under my name at 3 different addresses which i never opened. they have sold the debt to AFNI XXXX and keeps appearing on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22, XX/XX/22 and XX/XX/22 I purchased 4 {$500.00} Apple gift cards for a total of {$2000.00}. The cards I received were not activated despite the packaging holding the cards being correctly activated. This was confirmed with Apple gift card support. Despite this problem being recognized, Apple gift card support refused to help correct the problem. I was in contact with Apple gift card support over the telephone and email multiple times between XX/XX/22 and XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ).  - The lender has also not provided a response to our qualified written request for the loan history needed to assist our client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Grain Technology, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Account # XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to you today in hopes of resolving a critical issue I am currently facing with a financial institution, Grain. Their recent action, or rather lack thereof, has negatively impacted my financial profile, and I am finding it difficult to rectify this situation without your valuable assistance. 

Several months ago, I had a charge-off on my account with Grain. After numerous discussions and negotiations, we mutually agreed that upon receipt of my payment, they would delete this charge-off from my credit profiles. I promptly made the payment as agreed and was under the impression that this matter was resolved. 

However, I was recently made aware that this charge-off remains on my credit reports. Despite my numerous attempts to communicate with Grain and sort out this issue, I have been met with unresponsiveness and a lack of cooperation. This is causing significant strain on my personal finances and overall credit health, as the presence of the charge-off continues to negatively impact my credit score.

I kindly request the Consumer Financial Protection Bureau 's help in this matter. I am seeking your intervention to compel Grain to honor our agreement and remove the charge-off from my credit profiles. I have attached all relevant documents, including our agreement and proof of payment. 

I understand the Bureau 's commitment to ensuring fair treatment for consumers in the financial marketplace. As such, I am hopeful that with your intervention, this matter can be resolved promptly and fairly. 

I appreciate your time and consideration in this matter. Please feel free to contact me at your earliest convenience if you require additional information or documentation. 

Thank you for your assistance in this matter. 

Ive attached files of my interaction with grain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I gave a 60 day notice to leave the apartment building where I used to live. I left a letter in leasing office and talked with the leasing department as well but they still charged an extra month plus additional fees in order to damage my credit. This was a fraudulent and bad business practice from the landlord to charge extra at the moment of leaving the property. 

The lease was paid in full and always kept the contract in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX I applied and was approved for a capitol one Walmart credit card. A week later account was restricted because capitol one called saying someone fraudulently opened a account in my name. When I informed them that it was me I was told I needed to verify my identity. At first I sent them my Tx. CDL, my Social security card and a bank statement from my credit union to which I was told they could not verify because the account numbers were blacked out. I then sent a XXXX bank statement with my current address and was told that my documentation address did not match my account address. Then a couple of weeks later I spoke to a fraud manager XXXX and explained that when I applied for this account I was in the process of moving, XXXX told me to send documentation with my old address and that would clear up the matter. Now it is XXXX and still Capitol One fraud department can not figure out my identity, even though I have 2 other credit cards and a auto loan with capitol one. And I am paying on the Walmart credit card from the same account ( XXXX ) to the other capitol one accounts of which is on the documentation I have already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: DISCOVER BANK
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been paying on this Discover Student loan for many years and the balance is not decreasing. They have been steadily increasing the interest rate. Student loans shouldn't have interest rates of % XXXX percent. This is a predatory loan. 
{$4800.00} Minimum Payment Due {$0.00} Make a Payment Borrower is enrolled in automatic payments Next payment is scheduled for XX/XX/2023 Statements XX/XX/2023 Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15.500 % Loan Balance {$4800.00} Deferred Interest Balance {$0.00} Amount Past Due - Minimum Payment Due {$0.00} Original Loan Amount {$4000.00} Total Disbursement Amount {$4000.00} Number of Remaining Payments XXXX Maturity Date XXXX/XXXX/2033 Payoff Balance View Payoff Balance for loan XXXX. 
Payment Status Current Loan XXXX XXXX XXXX XXXX XXXX University View Payment History Payments To Date {$7600.00} Principal {$1400.00} Interest {$6200.00} Late Fees {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions 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:
The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE :XX/XX/XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX BANK XXXX DATE :XX/XX/XXXXCOMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE XX/XX/XXXX COMPANY : XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXandXX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DATE : 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 2022-07-19
Company: EQUIFAX, INC.
State: NC
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 account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, XXXX, and late pays with XXXX and XXXX. With XXXX and XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was XXXX of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Frontline Asset Strategies, LLC
State: NC
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: Problem with personal statement of dispute

Complaint:
I sent FRONTLINE ASSET STRATEGIES LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX ( XXXX ) XXXX a cease and desist letter over 2 months ago by certified mail. On XX/XX/2023, Frontline reported to XXXX that {$60.00} was in collections from XXXX XXXX. They continue to report to the credit bureaus after they were told to cease and desist. My credit score went from XXXX on XXXX down to XXXX as a direct reporting to them that {$60.00} was in collections after the cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information 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 non-monetary relief