BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: NBT BANCORP INC.
State: OH
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ),  my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by XXXX XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX and TransUnion Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of XXXX  XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that XXXX XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of XXXX XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and 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 2021-02-05
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland Credit Management sent me a letter stating that they have tried to contact me about an alleged debt owed and that I would be sued, this was on XX/XX/2020. I have never received any phone calls or letters from this company prior to this threat being sent to me threw the mail. Mail fraud is real, and this company has committed mail fraud. I sent them a letter asking for validation of alleged debt ( signed contract ) but they failed to do so. I am working with the credit bureaus to get this taken off my credit file as their tactics are hurting my reputation per 15 USC 1692d ( 1 ). I have not been able to obtain a job because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a co-op mortgage in XXXX from XXXX XXXX in XX/XX/XXXX that was assigned to M & T Bank via XXXX XXXX via FDIC. I sold the property and discharged the mortgage in XXXX. The mortgage still appears on my UCC forms in XXXX, even though common sense tells you that I'd have refinanced a high rate or that a 30-year obligation would have come due. Nobody bothered to file the forms.

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 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email today notifying me that capital one closed my card due to inactivity. I never received any notification nor email prior advising this. They also did not call nor mail me anything. I called and they said i have to re apply and can not re open. This is a way for them to grow there sales and is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: GREAT LAKES
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR. 
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. 
With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.

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 2023-03-03
Company: EQUIFAX, INC.
State: VA
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I own a store credit card for XXXX XXXX XXXX XXXX under Synchrony Bank. The balance on my card on XX/XX/2019 was {$170.00} in which is was paid in full the very same day. However my credit report fail to reflect my current balance of {$0.00} as of XX/XX/2019. 

I issued a dispute through XXXX XXXX and sent it to XXXX in which I have received no response. Any help in adjusting this balance would be greatly appreciated!

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 2020-09-12
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:
Ive sent a dispute to TransUnion regarding fraudulent inquiries. They make disputing UNAUTHORIZED inquiries very hard. Below are the following FRAUDULENT inquiries. Ive made a report for identity theft due to these. Inquiries can seem insignificant but can be detrimental to obtaining new credit. I did not authorize these inquiries. 

XXXX/XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX XXXX  XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX   XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 2020

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 2020-09-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked my personal credit report, which I acquired from your organization on and I noticed unauthorized credit inquiries had been made. 

I contacted every source of the unauthorized inquiries, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile and they told me I need the credit bureau to remove because they can not find any information on these. 

I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report. The unauthorized inquiries is as follows : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020,  XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020 If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter 41. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A XXXX ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a XXXX account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: TN
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:
15 USC 1681 Section 602 States I have the right to Privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) was included in the bankruptcy. I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's members. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and TranUnion ( $ XXXX/mo ) in order to investigate and dispute the matter. I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. However, to date ( XX/XX/XXXX ), my credit score still has not recovered. 

XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. TransUnion at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX reported to XXXX was XX/XX/XXXX. XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. TransUnion 's website is having technical difficulties so I was unable to retrieve a current report. My credit is damaged. 

I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. I dont know where to begin to attempt to figure out how high my credit score would be if XXXX had not committed this error. All I know is the XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: CT
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:
Ive tried to resolving these accounts t thats reporting false information. A collection was recently deleted off my reports in XXXX. A new company named : XXXX XXXX or XXXX XXXX XXXXreinserted this deleted account a week later without my knowledge. According to fcra section 611 ( a ) ( 1 ) ( A ) a debt collector must notify a consumer in writing within five days of their initial communication that they are attempting to collect a debt. Ive never received any notification which is a violation of my rights. Also according to fcra section 611 ( a ) ( 5 ) the debt collector must provide a consumer with an opportunity to dispute the debt within 30 days of receiving initial notice. Ive never been awarded that opportunity to dispute this already deleted account. This is a blatant violation of my rights. It also looks like they are reporting this as a new account. My credit scores have been effected dramatically. 
This may not be my account. I never opened this account. I think someone used my SSN XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is the name of this collection agency who is batantly violating my rights. Experian and XXXX are reporting this account The account was purchased from XXXX XXXX XXXX in XX/XX/2023 Original creditor is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
loan was with Bank of America the modification was a temporary fix mod was interest only from 2 % to 4.75 % now with deferred 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 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A credit card account was opened with Bank of America without my consent. I never applied for a credit card. This has not been removed from my credit history.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in response to your statement regarding my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, which I filed on XX/XX/2023. In your response, you stated that you would not honor my invoice because the item in question did not appear on my consumer report. However, this statement is inaccurate and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2023-05-16
Company: EQUIFAX, 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:
In Accordance with the Fair Credit Reporting act Covertgent Account # XXXX XXXX XXXX In Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX 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 instruction

Company response to consumer: Closed with explanation