BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; TXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/ 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 2022-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-29
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:
I Have Been Sending Letters to Transunion for the Past 10 months to Remove an Account that isn't mine the Account is XXXX XXXX XXXX XXXX' I have never did any business or have had an account with them Transunion will not investigate and provide and documents from this company they have held me up from getting financing for a home for my family

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Still having issues with trans union and XXXX XXXX reporting fraudulent hard inquiries on my consumer profile. Violation of 15 usc 1681. Its on file with all 3 bureaus that I have been a victim of my data being stolen in the past. And also a victim of XXXX data breach. This is my last and final attempt for XXXX and trans union to remove the fraudulent items on my computer profile before taking Legal action

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 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 Number : XXXXXXXX, has violated my rights. 

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 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 2023-02-06
Company: Experian Information Solutions Inc.
State: FL
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:
This is the third time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-08
Company: Experian Information Solutions Inc.
State: GA
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 Report Act XXXX XXXX From XXXX XXXX XXXX, has violated my rights. 
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 an account without my written instructions.

This company tried to collect debt under my name and my SSN, I have sent several dispute letters to this company and no action has been taken to investigate this matter.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Failure to conduct a reinvestigation ; request for damages under the FCRA

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 2023-05-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX  to report my husband unexpectedly passed in the state of Florida, and due to big expenses, I will not be able to make the payment and would like to know if they can provide an extension for the missing payment. XXXX XXXX denied this request. Due to the loss of my husband, I saw myself without work for a period of 8 months. On XX/XX/XXXX. XXXX XXXX XXXX placed a XXXX XXXX # XXXX again my salary for the amount of {$4500.00} 10 % of my salary was deducted from my paid period until fully paid. {$4800.00} including taxes and fees on XX/XX/XXXX The Judgement was fully satisfied by court order. On XX/XX/XXXX, Midland Credit Management report this account as a Collection account with past due as of XX/XX/XXXX with a balance of {$6400.00}. Account validation was sent and no response was received. This account has been duplicated on my credit report one account under XXXX XXXX XXXX and the other under Midland Credit Management. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America showed up as a hard inquiry on my credit report for a credit card application. This was not 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 2022-12-16
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 Freedom mortgage sent me a notice of an escrow analysis that was incorrect trying to raise my payment another {$150.00} they said the tax escrow was wrong .... we had the same problem last year I filed a complaint then and I'm filing another one now... When I first did my refinance my payment was {$820.00} then it went to XXXX then it went to XXXX now they're trying to say I owe {$1000.00}... 
the first year they did my refi they only put in half my taxes in an escrow account so of course that makes it short... .their fault not mine... 
now they put in my taxes three times and of course that makes it short... 
I tried to get them to correct this and instead of taking out the one in XXXX they took out the one in XXXX which means there's a payment in XXXX and XXXX which is incorrect .... 
when they finally got it corrected as to XXXX and XXXX they had the amounts wrong ... .. in XXXX XXXX the first payment is smaller then the second payment... I have been calling them and dealing with them redoing the escrow since XXXX .... 
all the while they put things in as partial payments while they charge me interest and all the while they report to the credit bureaus that I'm late and tank my credit rating .... On XX/XX/XXXX I received my new tax rate bill from XXXX XXXX Wisconsin and it was less than what their estimated escrow was ... .I called them and reported it and ask for yet another escrow analysis .... probably about the XXXX time... 
I will wait to see if they did it correctly otherwise I will complain again...

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 2023-05-23
Company: Southwest Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Company filed against my personal credit report for a XXXX company debt. Previous complaint through Consumer Financial Protection Bureau was closed before an explanation on why they can ignore XXXX protection. see CFPB complaint XXXX. Further see police fraud case number XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This company told me via phone call that if I pay them they would report back to XXXX XXXX. That is a lie. I requested a validation of debt to which they responded but did not complete the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Cedars Business Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was originally contacted by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, OR XXXX ) on XXXX XXXX concerning a traffic violation in XXXX, XXXX on XXXX XXXX. I wrote them on XX/XX/XXXX that I was disputing the debt under the Fair Debt Collections Practices Act as I was in the United States, not XXXX, on XX/XX/XXXX. I was then informed that there were 6 tickets, 4 on XX/XX/XXXX and 2 on XX/XX/XXXX. In response I requested in a XXXX XXXX that they ask the XXXX authorities to waive the 4 XX/XX/XXXX tickets as I was not in XXXX at that time and to waive the late penalties on the XXXX XXXX tickets as I was not given the opportunity to pay them earlier. As evidence I provided my flight info showing I was not in XXXX on XX/XX/XXXX and a letter from XXXX rent-a-car indicating my rental commenced on XX/XX/XXXX. I never heard back from XXXX XXXX after that. 
On XX/XX/XXXX I was texted by Cedar Business Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX CA XXXX. Requesting payment on the above mentioned 6 tickets. On XX/XX/XXXX I called and spoke to XXXX XXXX at Cedar and explained I was not in XXXX and not responsible for the 4 tickets from XX/XX/XXXX but went ahead and paid the two XX/XX/XXXX tickets, which now had even larger late fees. I also emailed XXXX XXXX the flight and rent-a-car info referenced above as evidence I was not in XXXX or responsible for the XX/XX/XXXX tickets. Despite paying the XX/XX/XXXX tickets and providing evidence I was not responsible for the XX/XX/XXXX tickets Cedar Business Services continued to text me on XX/XX/XXXX and XX/XX/XXXX requesting payment for the XX/XX/XXXX tickets even though they were provided with documentary evidence on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My merged credit report has inaccurate information. I've tried tirelessly to get this information removed.

According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose. 



XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX Experian XXXXXXXX Date of origination XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XX/XX/XXXX last payment XXXX XX/XX/XXXXXXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian Credit Union XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} Experian. {$23000.00} XXXX XXXXX Date of last activity XXXX XXXX XX/XX/XXXXXXXX Experian. XX/XX/XXXX XXXX. XX/XX/XXXX Last payment XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX. XX/XX/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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is in regards to capitaloneshopping.com, a division of Capital One Financial Corporation. They specialize in affiliate marketing where they provide a " cash back '' in the form of a rebate in exchange for making purchases following a link to the merchant that they provide. It is a special marketing arrangement between Capital One and selected merchants where these merchants pay an affiliate fee ( ie commission ) for access to Capital One 's large consumer base. 

Capitaloneshopping.com has defrauded me out of over {$12000.00} in earned rebates after using their service to make purchases. They kept the entirety of the merchant commissions while shutting down my account under false pretenses. Specifically, there are two types of issues here. The first is a series of failed rebate redemptions where capitaloneshopping.com refused to pay out ( the estimated amount is about {$2500.00} ). The second issue is the termination of my account after inquiring about this first issue whereby an estimated {$10000.00} in un-redeemed rebates is being held. 

I initially contacted them regarding the first issue on XX/XX/XXXX. Their response was " Your e-gift card redemption is currently on hold pending confirmation of your Shopping Rewards from the merchant ''. After over a month and a half of back and forth communication in which they failed to provide any meaningful updates, on XX/XX/XXXX, they terminated my account without providing any particular reason. Since then, I have reached out a few more times asking for an update. They have failed to provide any reason once more. 

I am asking the CFPB to step in here and rectify the situation in which capitaloneshopping.com has fraudulently shut down my account in an attempt to avoid paying out on earned rebates while enriching themselves of the merchant commissions. For precedence regarding a similar situation involving a form of rebate in exchange for service, I refer to XXXX v. XXXX XXXX XXXX XXXX in which the latter was accused of claims for breach of contract, breach of the implied covenant of good faith and fair dealing, and fraudulent inducement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied in store for a Lowes Advantage consumer credit card. I received a letter stating " high risk source of application '' a week or two later. Whatever that is. No contact information in the letter at all or any recourse. It is difficult to impossible to find XXXX contact information. I tried again approximately three weeks later at home on wifi speculating Synchrony might consider that secure. Denied again when I tried to pre-qualify. I have excellent credit, a good job and no credit card debt. XXXX reasons I should have been embarrassed in the store. Also, I am doing a large renovation project on my house so not receiving the 5 % off is costing me money.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have sent disputes to experian, letters and verifications in reference to bankruptcy. Experian 's response, '' the bankruptcy was verified court record results Ran info against municipal court system records Personal XX/XX/2022 We ran your personal information against municipal court system records and found criminal acts reported in the court system with your identity. 
WHAT NOW? 
If you recognize this court record, no action is required on your end.- I wrote to the court and the sent me a letter stating that the U.S. Bankruptcy Court does not report or provide information to credit bureaus. Experian Lied

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