BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am contacting CFPB today because consumers can no longer purchase their credit score without being forced to sign up for XXXX 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today ( XX/XX/XXXX ), I see that two of the three credit agencies - XXXX and TransUnion - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a one-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With TransUnion at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>XXXX, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an XXXX representative when I called for assistance. I called back subsequently to lodge a complaint with XXXX 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise XXXX ( and to a slightly lesser extent, TransUnion ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names

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 2018-01-26
Company: Exeter Finance Corp.
State: IL
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:
I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an offer from capital one credit for a zero percent interest check. I went ahead and deposited it into a capital one account. They went ahead and put a hold on it and when I called the rep she told me they check is fraudulent. Then putting on a hold on it somehow made my account go negative. Not sure why and the rep could not explain to me anything. The they made it positive again. Would be nice to have competent people on phone to answer questions. Then the check posted to my credit card account and they sent me a letter saying they have confidential information the check is bad. What 's going on with this place and what is this confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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:
cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Farrell Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prime Acceptance &   XXXX   XXXX   XXXX  are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: American First Finance, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls 4-7 times a day from different numbers. They also withdrew money from my checking account that was unauthorized and I had to dispute with my bank. The debt is mine and I owe it, but I should n't be subject to repeated phone calls and unauthorized drafts.

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 2017-11-15
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Sterling Info Systems and XXXX XXXX have classified me as a Tier 3 on a non conviction when my employer, XXXX XXXX XXXX paid for my background check. This same issue arose in 2013 when I applied at XXXX XXXX. I later was hired after I disputed the wrongful block and adverse action after being hired prior to XXXX involvement.

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am complaining about transunion credit reporting. They are still showing an account as open and in collections on my credit report when it was included in my bankruptcy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this twice and no other credit reporting company us showing it. I have provided my bankruptcy dischard papers and they still will not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am making a final goodwill attempt to have you clear up this matter. 

The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Account Name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and XXXX XXXX to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you that you gives you obligation to try and collect a debt. 
If you did n't purchase this debt then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. REGISTERED MAIL : XXXX is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: FC HoldCo LLC
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:
I contacted XXXX  to remove 6 late payments that were unlawfully added to my credit report by Flagship credit acceptance. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.

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 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
This is complaint number XXXX follow up I received letter to call Capital One I called the number twice and agent to contact was busy. Another agent answered and I told her my concern She annotated my message to the contact on letter Once again what is further needed? 
We are talking about {$12.00} charge on XX/XX/XXXX for SERVICES NOT RENDERED If this " red tape continues I will stop using card for purchases!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
WHEREAS I am in possession of a draft that purports to indemnify American Express ( " AE '' ), against prior claims of misrepresentation made by myself and certain of my affiliates. The draft is drawn on the EIN of XXXX XXXX XXXX XXXX ( " XXXX '' ), which is XXXX. The source of payment is limited to information provided by me. The draft contains an undertaking made by me under seal, as collateral to secure payment, containing a covenant that I will assume ( i ) that a " bank draft '' is considered as " cash '', ( ii ) that the definition of a " bank draft '' includes a payment order, a transmittal order, an informal dispute, and the like, ( iii ) that initiating a bank draft is reportable to the IRS, ( iv ) that privacy notices and privacy policies and arbitration procedures are agreements to elect to not be treated as a partnership under 26 USC 761 ( a ), ( v ) arbitration, mediation and informal dispute provisions may be used as a security procedure for purposes of giving value and to allow for delegation of authority to purchase, sell, and/or exchange tax deferred investment property, ( vi ) the recording of phone calls by a financial institution is for verification purposes, ( vii ) the purpose of and utility " bill '' and any other " bill '' is to help assist in the verification of identity, ( viii ) the purpose of any credit, whether it be a credit card or deposit account, is security, ( ix ) the purpose of ATM card present PIN transactions are to help provide security, ( x ) AE can obtain emergency credit from a XXXX XXXX XXXX XXXX XXXXhe Board of Governors of the XXXX XXXX XXXX , or both, or " sandbox '' with Plaid or something, and ( xi ) electronic and telephonic credit card applications are set up to be electronic funds transfers as opposed to payment orders in order to prevent consumers from giving nonmonetary value as actual value. The check states that the collateral is subject to arbitration and/or mediation. The check contains copyright claims and privacy claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I contacted Key Bank, XXXX to dispute the overdrawn balance on my account. A charge of {$79.00} from XXXX was charged to my account on XX/XX/XXXX. In addition, XXXX overdraft fees were applied to my account. Fact : I have made XXXX deposits since opening the account on XX/XX/XXXX {$10.00}, XX/XX/XXXX {$20.00}, XX/XX/XXXX {$87.00}, and XX/XX/XXXX {$20.00} ). The largest charge to the account was {$52.00} for a gift card. My complaint stems from the fact on XX/XX/XXXX, when the account went into the negative Key Bank continued to authorize charges. Instead of declining them when the checking account did not have sufficient funds, Key Bank approved the charges while assessing reoccurring overdraft fees. There was no account alert provided for the fraud charge. Currently, Key Bank is charging {$120.00} to substantiate the account from its negative status. I am disputing the amount due to the fact that Key Bank had no grounds to authorize and continue to pay out of an account that had insufficient funds. On XX/XX/XXXX a XXXX XXXX charge of {$2.00} was approved and on XX/XX/XXXX another charge of {$2.00} was approved in addition to the {$79.00} causing the accounts dilemma. The account went into the negative on XX/XX/XXXX and Key Bank continued to approve the XXXX XXXX charges totaling {$4.00}. Subsequently, adding overdraft and recurring overdraft fees to the account. On XX/XX/XXXX I deposited {$20.00} to cover the XXXX XXXX charges. There were no monies in the account to cover the fraudulent charge of {$79.00} which was posted on XX/XX/XXXX. I initially opened the joint account just in case my sister wanted to deposit her Social Security checks and required my assistance to monitor her spending. I have managed to keep the account active by putting in little funds and providing some activity. However, I feel the fault remains with Key Bank and their willingness to cause financial harm off the backs of the struggling consumer during these unprecedented times. I am seeking to have the {$120.00} waived by the institution.

Company response to consumer: Closed with monetary relief