BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal notice pursuant to FDCPA 15 USC 1692g validation is requested. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. I am requesting validation that is competent evidence bearing my signature showing that I have some contractual agreement to pay you. FDCPA Section 807-8 if you can not validate the debt you must request the credit reporting agencies to remove and delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, XXXX, or transunion ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a closed account with XXXX XXXX They have reported false late payments. I have asked Transunion, XXXX and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with Transunion and XXXX. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. Experian claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.

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 2019-07-20
Company: EQUIFAX, INC.
State: NC
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:
Equifax announced theyre cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX- XX/XX/XXXX, my data has been breached as well and someone could have stolen it during this time. The incident was discovered by equifax XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX  conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with Diversified Consultants, Inc against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that Diversified Consultants collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

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 2019-07-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 set up phone authorizations for XXXX per month for several months but paid the balance in full within a few weeks. Every month Synchrony bank continues to take XXXX from my checking account. This has continued despite repeated calls to the company, and even after closing the account in XXXX, they just took another XXXX from my account. Every month they have done this I have a XXXX  balance so they are taking money they are not entitled to and causing me financial hardship because I didn't budget for their unauthorized taking from my account. I was told at one point after a 2 hour call that it was my fault, they couldn't fix it, and they couldn't close my account. After I disputed it the first time, my credit line was cut from {$1500.00} to {$300.00} as you will see in the attachment.

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 monetary relief
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the are accounts on my credit report that are not accurate and the credit reporting agency refuse to verify and/or remove these accounts from my record and they are giving out solicitors my information to contact me.

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 2022-09-06
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. 

Re : XXXX XXXX and XXXX My identity has been stolen, you are hereby put on notice. 

Aggravated Identity Theft pursuant to 18 U.S.C. $ XXXX, FRAUD AND IDENTITY THEFT! 

NO CONSENT by definition is what? 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A Company shall block information within 4 business days after the date of receipt.

Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX are attorneys are attempting to collect a debt on the basis of fraud. 

They are in multiple violations of federal Fair Debt Collection Practices Acts ( FDCPA ) and FRAUD.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. FTC Fraud report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I called on Capitol One XX/XX/22 at XXXX. They made it extremely difficult to talk to anyone. They just transferred me from one line to another and I eventually spoke with XXXX, agent ID XXXX. I attempted to close ANY accounts with Capitol One. They refused to provide me the last four of the SSN of the person who opened an account. I was told that they blindly open accounts for people and don't do anything unless the person calls and complains. I already had a credit lock in place with ALL three credit agencies and they still opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good morning on XXXX I made a claim because once again money I needed to pay a bill with was taken off my account at a atm, i immediately got in contact with capital one to get a new card. But I still have not received the funds that was supposed to be sent to me in 2-3 days. Now my problem is with capital one is I recently fell on hard times once again and been doing little side hobbies I mentioned that to capital one and they still are withholding my funds but apparently now my account is being closed. Instead of doing that they could have easily sent me a email but they didnt nor did I receive a call from them. My only problem with them now is they are withholding funds I need the XXXX and they dont care. Its frustrating because here I am really needing the money and they not even allowing me to transfer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE 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 sent a letter to XXXX, TransUnion, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2023-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Since I miss a payment Im not able to trade in my car or get a lower payment. I tried to trade the car in numerous time at XXXX XXXX. This car loan has drop my credit tremendously. Please help me!!

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 2022-09-06
Company: EQUIFAX, INC.
State: SC
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, my son, XXXX deposited little over {$2000.00} at Bank of America ATM located on XXXX XXXX XXXX XXXX Maryland XXXX. ATM machine got jammed and ate up the money. ATM machine turned off by itself and restarted afterward. ATM did n't give any receipt. I, XXXX XXXX, contacted the number listed on the ATM and talked to several representative before they reimburse me {$2000.00} only. At first, they gave me {$20.00} credit but later gave me {$1900.00} more after two hours of dispute. Because of this incident, Bank of America closed our bank account after 20 years of business on XXXX XXXX, XXXX. They did n't want to tell us why they closed the account and they keep on telling me that they are not obligated to tell us. Today, XXXX XXXX, XXXX, I received a letter from Bank of America. They will be debiting my closed account {$1900.00} because they did n't locate any additional cash from XXXX XXXX transaction. I attempted several times to reach Bank of America 's claims and security department to view the ATM camera for XXXX XXXX. They said I have to get a subpoena using a lawyer for them to respond. I went to branch manger for help with this matter to no avail. Price of lawyer is more than {$2000.00}. I have exhausted all the options and I 'm in dire need of your help. Thank you

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 monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief