BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
File # XXXX The Following Inquiries have been placed on my report without my authorization ; written or verbal and I have requested removal. Transunion responds only to tell me what an inquiry is. My concerns have not been given the needed attention to be addressed. 

The following inquires should be removed : XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX- I did not request this. This item should be removed from my file per fcra. I was sent this card in error and immediately had this account closed as I did not authorize this. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these were supposed to be coded as soft inquiries for account review and should therefor be removed per FCRA XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - I did NOT authorize these two inquiries and requested removal per FCRA XXXX # XXXX - This item is reporting as current or paying and is misleading as if I still have this account. However, this account has been closed for at least 4 years and was absolutely never late. I requested this inaccuracy be deleted from my 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 2022-08-13
Company: SUNRISE CREDIT SERVICES, 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:
Sunrise credit services has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX account. Instead the want Me to pay a settlement. I have disputed the with XXXX which has had no help. Im seeking help to ATLeast have sunrise send me some documents proving this is my account. Which I know it is not.

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 2022-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After seeing my credit file in which I was unaware this debt even was owed I called Transworld Systems and paid it. I am requesting it be removed please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Action Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Yes the problem is that we have been harassed by this company Action credit XXXX XXXX XXXX XXXX XXXX XXXX ... I was paying the loan payment on time all the time.. Until I was diagnosed XXXX XXXX ... I started getting XXXX .. I'm XXXX and I'm not denying to pay ... My partner went to the store not only that manger laughs about my sickness.. She said we are ungrateful that she gave us the loan.. She said we didn't have good credit. But Reason she's gaves loan was for her to meet accounts goal.. Other XXXX customers complained that she pushes them to renew accounts ... And that I'm lying about my sickness that hurt me so much that they I wish I wasn't .. The manager told my partner she was hiding her from her my partner showed her the pictures where I had XXXX XXXXXXXX XXXX times.. an XXXX XXXXXXXX from doctor ... The manager discriminates on XXXX people.. that's why my partner goes and makes the payment other store ... We have been getting calls from the corporate office harassing us..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Capital one is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give Capital one permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( Capital one ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore Capital one is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX XXXX XXXX XXXX I financed with XXXX  consumer for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXXXXXX 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 2019-02-13
Company: McCarthy, Burgess & Wolff, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling my work 7 times a day. Wont state where hes calling from and when asked hangs up. Asks for me by name as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at 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 2019-02-13
Company: Continental Finance Company, LLC
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:
My Continental Finance credit card was closed, because I could not pay the bill. There was a {$500.00} limit with a {$700.00} high balance. When I was able to pay the bill, the account was sold to a collection agency, XXXX XXXX XXXX. I settled the account for over {$600.00} with XXXX XXXX. This company closed, and did not report my account as settled. I called Continental Finance to inquire why they haven't updated my account as paid to the credit bureau. They said that they do not handle my account. XXXX XXXX XXXX handles my account, and gave me the number. I called XXXX XXXX XXXX, and they verified that the account was paid off, and provided me a letter to give to the credit bureaus. XXXX reported my account as written off after my dispute. I disputed it again, because it was paid off. They said that Continental Finance MTOB is reporting it as closed after the dispute, they sent them the documentation from XXXX XXXX XXXX. My problem is that I paid the account, and it is still hurting my credit with a balance showing that it was never paid. If I dispute it, the credit bureau should show the company proof that it was paid, and annotate my account accordingly. They should not tell me there is nothing we can do about it when I paid over {$600.00}.

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 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is against all three credit bureaus it has come to my attention that after contacting two or more credit analyzing companies and offering my credit reports over to them for a audit review they have discovered that people in the same exact situation as my credit reports which has less than 5 credits on it I've noticed that their scores are at least 25 to 35 % pointwise higher than the above 's also they discovered that all three credit bureaus were ignoring their own rules and regulations when it comes to identity theft alerts and putting information on to credit reports without verifying the legitimacy of a creditor prior to in conclusion the above wishes to submit a audit review to have the Federal Trade Commission look into the unfair practices of these three credit bureaus pertaining to XXXX XXXX XXXX XXXX credit file over the last 5 years thank you for your corporation. 
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 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX I attempted to pay a doctor bill.The bill totaled {$160.00}. I could not pay the bill because I did not have an ID? for the bill. When I could not pay on the internet I tried again and something called XXXX a medical billing co. came on my computer a indicated that XXXX would pay the bill. OK I put all the billing info into XXXX and thought it was over. 
I heard from the doctor service again and the bill had not been paid. I asked if the billing service had head from XXXX they said never heard of it and never got money from XXXX. 
So I asked Capital one bank Walmart credit card to stop payment to XXXX Capitol one Walmart credit card stopped payment. 
On XX/XX/XXXX Capital one Walmart credit card put the XXXX bill {$160.00} back on my card. I have talked to the capital One bank several tines and they won't take the XXXX bill off the credit card account. 
I simply want that XXXX charge off my cred-card. The bill has gone to collections and I want to pay the bill. XXXX is lying that XXXX talked to the doctor service. If XXXX had talked to the doctor billing service why did my doctor XXXX go to collections? And Why did the lady at the billing office say she never heard of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date:XX/XX/19 I didn't receive any notifications, I only saw my credit score decrease and when I checked why, I saw I was in a public debt collect agency. The amount I owed was {$170.00} usd. I called the agency and may the payment and two month ago it's still open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute.

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately

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 2022-10-11
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Financial Management Solutions, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to get assistance with this matter to no avail. FMS Financial is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted FMS Financial directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with XXXX XXXX XXXX XXXX directly. XXXX informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by FMS Financial for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to XXXX XXXX. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with FMS Financial? I reached out to XXXX 's office today and spoke with the receptionist who advised that FMS will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by FMS Financial. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and FMS Financial. 


Many thanks, 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 2017-10-16
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX, I tried to change my auto payment for the balance of my chase card to a specific payment amount. 

I thought the auto payment would not be completed that month with my one time payment information submitted. 

Both payments went through and I suffered a number of overdraft fees as a result. 

I think chase should make fact that the auto pay feature does not turn off when you make a one time payment more clear on their website, as this turned out a very expensive piece of information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Resurgent Capital Services L.P.
State: FL
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:
This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has reported an account that's past due in the amount of {$1200.00} on my consumer report. I do not know this company, I have never done business with this company and have never had a signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was told in XXXX 2017 that I could not open a bank account because ChexSystems had an account lock for some reason against me. I just turned XXXX and I have never had credit or any kind of loan or other bank account, so there must be some kind of fraud going on. 

I immediately contacted ChexSystems and asked for a full report about what the reason was for the account lock, and they sent me some information in the mail that did not have any specific information as to why they locked my ability to open a bank account. 

I called them back and they would not answer any specific questions over the phone, but said I could file for another paper copy of my report again. I already did this and they gave me no information. I 'm going around in circles and they are giving me ZERO information about how to find out what is on the ChexSystems report under my name and personal information.

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 2019-02-13
Company: Bread Financial Holdings, Inc.
State: NY
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 received a pre-approved credit card notification from XXXX XXXX for my XXXX year old. I am concerned that someone has stolen his identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card was lost at the end of XX/XX/XXXX. I went out of the country for the whole month of XX/XX/XXXX.  When I got back and the end of my trip. There were 2 charges on my card that i did not authorize. I reached out to bank and they were going to do an investigation. They sent me back a letter saying that this charges were made by me .... I just want my money back.

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