BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/18 I asked that they stopped calling as I told them when I could make a payment. This conversation was never recorded. They have continued to call 3-4x a day and said they have every right to. On the XXXX I did tell her I would file harrassment charges with you. Again she said this was notated. Tonight I spoke with XXXX that transferred me to XXXX that transferred to his supervisor XXXX who then transferred me back to XXXX who then transferred me to XXXX agent # XXXX. They all told me they had a right to call up to 4x a day until they received a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: ORG GC GP Buyer, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They are reporting I owe over {$2000.00} for a bill that is not mine. I have received many phone calls from different agents and they have all made threatening comments and have cursed at me. I have asked them to stop calling and they do not. I have asked them to remove this from my credit reports and they refuse to. I have sent them the attached letter and have had no response from them, so they are also in violation of the " Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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:
The following accounts are a result of identity theft and I have notified Experian already. 
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 2018-02-25
Company: JPMORGAN CHASE & CO.
State: KY
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:
Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, a collection agency, Amsher Collections, placed a debt collection on my credit report for exactly {$260.00}, that is not mine. The original creditor is XXXX XXXX XXXX. I have never had services with this copy and/or any company they used to be prior ( XXXX. XXXX XXXX, XXXX ). I reached out to both the collection agency and the original creditor and they both verified I didnt not have accounts within their systems. I filed disputes with the three credit bureaus including ; XXXX, XXXX, and XXXX. I am unsure if they are taking the proper steps to get this resolved. I received a message from XXXX  that updated information was received and the investigation was complete. It is very unclear of the results and I am extremely upset because my credit is being affected by a debt this does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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 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:
XXXX XXXX  and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX   XXXXXXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, 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:
XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Forster & Garbus LLP
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In early XXXX, I was being garnished by a law firm called " forster & garbus ''. I changed jobs and did not know the garnishment wouldn't switch over automatically. They did not contact me and immediately started garnishing my mother 's income at over $ 600 monthly. I tried to contact them to arrange payments and they would not speak to me or work with me to arrange payments. They also placed a lien on my mother 's house for {$60000.00} in late XXXX and never notified her about it. She recently went to refinance her house and found out about it. Her and my stepfather were going to refinance their house in order to assist with their finances to prepare for retirement and now they can't. These is completely unfair to them and incomprehensible considering this law firm would not even speak to me to arrange payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
I purchased an item via XXXX and paid through XXXX which is linked and paid via my American Express card. I received an item that was fake - counterfeit. I opened a dispute with American Express. Simultaneously I alerted XXXX that the item was counterfeit. XXXX sent me a prepaid label to send the item back and assured I would be issued a refund. American Express assured I would be issued a refund also when I sent the item back. I sent the item, confirmed it was received back and was told a refund would be issued XX/XX/18. Two days later, I was told by XXXX they can not issue a refund because American Express is handling the issue. I have spent countless hours trying to followup with American Express including their Executive Relations area and continue to be told the case is on hold, they haven't heard back from XXXX -- which is false as I confirmed XXXX followed up with them. I have sent them proof the item has been returned back, and they are still not issuing the refund of {$510.00}. It has now been well over 6 weeks with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, Equifax, XXXX, & XXXX  have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX  finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: WESTERN UNION COMPANY, THE
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I used the Western Union App to transfer XXXX USD from my checking acct. through use of a XXXX debit card, to a bank account in the XXXX at XXXX XXXX. They told me the available date of pick up by the receiver would be XX/XX/XXXX. The tracking number of the transaction is XXXX. As of this time, the money has not been received. I've reached out to Western Union several times via the phone and on line chat, and all they'll say is that they're looking into it. I was later hung up on several times, and my on line chat was cut off before the issue could be resolved ( by XXXX XXXX XXXX ). Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report. XXXX/XXXX  XXXX {$700.00} XXXX XXXX {$3500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX {$4500.00}

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 explanation
Consumer complaint received 2018-10-20
Company: JH Portfolio Debt Equities, LLC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
hello! 

I have two credit cards that have gone into collections, one is a XXXX XXXXXXXX XXXX   Card that has XXXX dollars that i owe, the other one is a XXXX XXXXXXXX XXXX Card that has XXXX. both of these cards were opened by a family member has opened and i was unaware and now I am receiving calls saying that i owe money on them, I have been in contact with that family member who refused ever opening the cards and i talked with the companies about helping me get them either opened again so i can own them and make payments on them or just take the negative remark off of my credit to which they can not help at all. I have tried to make a settlement with them and they still will not help. 

my name is XXXX XXXX my social is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

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 2022-08-09
Company: FIRST HORIZON BANK
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a home equity loan with First Horizon Bank ( XXXX ) that is being reported to the credit bureau agencies as a " Charge Off ''. This account was sold in its entirety to XXXX XXXX XXXX  on or about the end of year 2020. This account should not be reported as a charge off ; it was transferred or sold in its entirety and is a current account with XXXX. 

No amount of this balance was ever forgiven, or " charged off ''. This misreporting is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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:
XXXX and Equifax continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and XXXX  continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The account is reporting delinquent and past due although it is closed and paid off. I have tried disputing it but they are reporting that it is accurate and 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 non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have no Knowledge of the loan account reported by 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 2018-02-25
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:
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 2018-08-28
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX am in the process of getting myself out of debt over the next year without filing for personal bankruptcy protection. I request a full modification package at this time from my mortgage service agency, where I can explain my hardship and my plans on working through it. Accordingly, I make this request through the Consumer Financial Protection Bureau to make it a matter of review to the general public to see how national banks work with the public.

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 2020-05-11
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We suffered losses from Hurricane Irma on XX/XX/2018. Our insurance company paid {$63000.00}, ALL of which have been retained by Flagstar Mortgage. 

Small issues on the claim included damage to fencing, screens, siding, tree removal and haul away costs. The largest portion of the claim was to replace out lakefront dock that was destroyed in the storm. 

To date we have NOT received ONE DIME from the funds that are escrowed. Per the Flagstar 's own policy, we should have received 40 % of the funds up front to start work. They have refused to cut any checks and we have paid out over {$70000.00} from our PERSONAL FUNDS to complete the work. 

They refuse to accept the docks contractor 's invoice and my cancelled checks as proof of payment. Every time we contact they they want additional documents that the contractors have already provided. Further, after 3 weeks of going back and forth regarding the dock, now they want excessive documents for the minor repairs that were completed and paid for over 2 YEARS AGO - Items they NEVER ASKED FOR UNTIL I COMPLAINED ON SOCIAL MEDIA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18

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 2019-02-18
Company: Experian Information Solutions Inc.
State: NY
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly dele

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