BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
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: Reporting company used your report improperly

Complaint:
I contacted TransUnion regarding an unauthorized hard inquiry on my consumer file. TransUnion did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my TransUnion consumer file. 

Furthermore, I called TransUnion again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. TransUnion violated the FCRA and I am entitled to compensation.

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 2022-04-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-08-31
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XXXX  asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection agency ( Enhanced Recovery, LLC ) added an incorrect collection item to all XXXX of my credit reports in XXXX of XXXX, dragging my score down XXXX points with each bureau. The collection is for XXXX, but I do not know what for. 

The opening date of the collection is listed as XXXX of XXXX. 

I have not had XXXX since XXXX of XXXX, when I switched to XXXX XXXX XXXX. The only account I have ever had with XXXX is a pre-paid phone. I never had a contract with them. 

I disputed the debt with all XXXX bureaus, which is notated on the account, but it was not removed. 

In XXXX of XXXX, I contacted Enhanced Recovery, and asked them to provide proof of the debt. I received a dunning notice, giving me XXXX days to dispute the validity of the debt, which I did. Enhanced Recovery received my debt validation letter via certified mail on XXXX XXXX. 

Now, nearly four months later, I have not received any response from Enhanced Recovery, and the false debt is still on all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: CAINE & WEINER COMPANY, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC BANK HAS NOT RESPONDED TO ANY OF MY DISPUTES. I HAVE WRITTEN THEM SINCE XXXX. I AM REQUESTING THEY REMOVE THE FRAUDULENT INQUIRIES ASAP BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my complaint is against Mr. Cooper ( AKA Nationstar ). I am in a covid-19 forbearance and Mr. Cooper fails to adhere to the new FHA guidelines I have contacted them as well as a Hud housing counselor who i believe is being paid off by them as she is clearly no help an quite rude. Mr. Cooper states that i am not eligible for a deferment as my loan was not current at the start of the pandemic. FHA has updated it's eligibility requirements as of XX/XX/2021 and XX/XX/2021 and Mr. Cooper refuses to adhere to them. Please help. I have included the updated bulletins below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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 decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2017-02-04
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have previously disputed reference XXXX with TransUnion and in response they stated they verified the item as accurate, stating that they verified this with the courts. I contacted the court and there response is enclosed. It is clear that they do not report to TransUnion or any other credit bureaus for that matter. Therefore their original response of verifying the item with the court was either an error or false. Either way the reporting requirements verifying method does not comply with FCRA section 611 15usc 16811 and the item must be removed immediately

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 2021-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with TCF Bank I had a a positive balance close to XXXX dollars on XX/XX/2021 I made a purchase for groceries That day to have them delivered on Friday the XXXX. What should have happened was the amounts of XXXX dollars and XXXX dollars and some change should have been posted on Wednesday the XXXX key word posted. My account was still a positive {$200.00} by Friday there was a deposit from my work which was XXXX. On Friday the XXXX I had a withdrawal of XXXX dollars from the ban. Also a purchase for XXXX of XXXX a a transfer into a new checking account of XXXX dollars. On Friday I should have had a balance of XXXX dollars in my checking account. I also XXXX  money to a friend for XXXX on Saturday. XXXX purchase of XXXX dollars transferred funds transferred XXXX dollars to my primary account to cover the cost of XXXX. I also transferred another XXXX from my secondary account to my primary account. and my last transaction was a XXXX transfer of XXXX. I should be at a positive XXXX Today. I can provide my banking information to you upon request. This not the first time this has happened. I am requesting that they stop with the excessive overdraft fees and they return money back into my account and correct the balance to my checking account. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bonneville collections added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Education Services is calling me every day about XXXX missed payment, the XXXX payment. According to my bank records a check was sent to them on XX/XX/2015 and cashed on XX/XX/2015. They say they have no record of the payment. I contacted XXXX XXXX XXXX who verified that the payment was made on XX/XX/2015. XXXX XXXX XXXX has attempted to contact AES by telephone but received busy Signals. 

This started this past Friday, XXXX. I told AES that I was contacting my bank that they would be calling AES. I was told that they would call me " every day '' until payment was received, which sounds like harassment. Particularly since I have paid faithfully on this loan for years with no missed payments, and the payment that they are calling about is not even 30 days late. I told her that it wo n't do any good to call me every day as I am not going to pay something that I 've already paid and I 'm not doing anything until XXXX XXXX XXXX makes contact with them which will be Monday XXXX. She said that they would call anyway. 

I obtained their fax number to fax them copies of printouts from my account that show this bill was paid. However, there were Communication Errors between their fax and mine, so I US Mailed the documentation. 

Today is Sunday and they have called twice. Both times I ignored the call because I knew what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I am very annoyed with Capital One. I call and no one really helps. I even called their corporate office and no call backs at all. I would like to report a rebill. They rebilled me when I was in XXXX, for six months, the rebill was for XXXX. Not only could the girl not tell me what it was for, she would not help me either. She said they mailed me in the USA a note for me to fill out. How am I suppose to fill that out in XXXX???? She could not and would not help me. This is XXXX a waste of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been locked out of my Robinhood account since last XXXX. Numerous attempts ( documented ) have been tried to resolve this matter to no avail. I am blocked from my online account as Robinhood requires they send an SMS ( text ) code to my phone. My phone does not receive text. After several attempts asking them to send the " code '' to my email address, they simply stop communicating with me. I want to close the account but that requires a signin which I can not do. They have asked for driver 's licence and passport images which : 1 ) Were not necessary when the account was opened and money transfered to it. 2 ) Is a violation of my personal information as they have nothing to compare that information to. As you will see several other account holders have the same issue as I according to the XXXX  documation ( I hope to attach ). This is fraud on a grand scale which the SEC ( remember XXXX XXXX? ) fails to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Enhanced Recovery Corp placed a collection on my reports on XXXX/XXXX/XXXX claiming I had XXXX service in XXXX. I called XXXX and ask when was my service disconnected and XXXX stated that the service was disconnected on XXXX XXXX, XXXX. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX and was discharged on XXXX/XXXX/XXXX. XXXX was included in my Bankruptcy. 

However, nine years later the account has been re-aged and placed on my credit report which violates the automatic stay. 

This will come off my report or I will sue XXXX and ERC for damaging my credit and costing me thousands of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2016-02-10
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
MyMy US BANK account definitely had some strange activity to the tune if like I 've XXXX . Some activity occurred with a card I personally never activated.I sometimes take my mail and throw it in my side door pocket to read for later on ( a habit I will now stop ). My phone went missing around XXXX XXXX. All my passwords/ usrnms were kept in the phone. In all On bad terms with an ex bcuz I filed a restraining order and naturally not all his friends were happy with me and Im wondering if one of them may have had it in for me. So there are several possibility. It took like a week for.the paperwork to file the fraud case to get to me.and there 's a hold on the account. As a result the bank took my SSI a d applied it to the negative balance and withheld all access to it. Im driving without insurance, all my bills and rent are late and I have a car title loan which is now 5 days late. This is like a secondary victimization. Im constantly being told the acct is set to close and only my home branch can lift the hold. Yesterday that proved to be untrue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation