BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: First National Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA XXXX 807 Violation misleading false reporting XXXXXXXX XXXX XXXXXXXX XXXX Account : 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 2019-11-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$200.00} payment on my credit card on XX/XX/XXXX. For some reason, they have it listed as XX/XX/XXXX. After waiting all weekend for my available credit to update, I called the issuing company on Monday XXXX XX/XX/XXXX XXXX to ask why my available credit has not been updated. I was told that since this was a new account and I paid {$200.00} ( or more ) in 1 payment, my available credit would not be updated for 5 business days. I can understand putting a hold on my account if I was behind, but I am not. This is the first billing cycle.

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 2019-10-30
Company: Riverwalk Financial Corporation
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:
My name is XXXX XXXX XXXX I find I have fraud account with a Company name Deville Asset Management XXXX XXXX XXXX, XXXX, TX, XXXX. I find this account because my credit score was down in my XXXX XXXX, I send a police report with attach letter explain I am a victim of identity theft, this Company still not doing any investigation to fix this Fraud which is affecting my life, my Finances and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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 is missing that should be on the report

Complaint:
Tried to update by calling directly. Always answered by a person who's voice is not compatible with telephones, as such I could not understand the questions - thus the problem though they did try to help. 
Address and other personal data needs to be updated. 
Info listed in fair resolution window.

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 2022-09-12
Company: Prosper Marketplace, 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: Account information incorrect

Complaint:
On XX/XX/2022, Prosper submitted erroneous information to XXXX, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and Prosper submitted incorrect data with a 93 % utilization. Prosper acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.

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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One violated my rights by closing my two accounts under the Uniform Commercial Code ( UCC ) adopted in every state. This is " colorable law '', used in all of the courts of the nation. By closing my accounts Capital One as violated numerous statues UCC 3-104, 3-603, 3-419, 1-308 and HJR 192. 
Since 1933 when the government went bankrupt " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' Since there is no lawful money, the government gave me the benefits to discharge debt. Under UCC 1-308, I reserve my rights, without prejudice. My prepaid coupon presentment is a negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: TX
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 unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To whom it may concern, I have contacted TransUnion Consumer solutions on ( XX/XX/2022, XX/XX/2022, about inaccurate and UNVERIFIED information on my credit report. They have claimed that they have verified it with companies that I have attached they they did not verify this information. Appalled by this information, I went directly to the sources and have provided hard copies from the sources with information that TransUnion keep saying verified. 

I am aware of the FCRA states, that a Credit Reporting Agency must remove inaccurate or unverified information from its files in 30 days after dispute. However, the Credit Reporting Agency is not required to remove accurate data from your file unless it is outdated or can not be verified properly.

TransUnionConsumer Solutions failure to respond within 30 days of receipt of this information and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against TransUnion and your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing this account that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting.

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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked Transunion repeatedly to delete all of these incorrect addresses displayed on my credit report. And they have all of these addresses on my credit report when I told them they were inaccurate. I need all of these addresses deleted as well as any others that are not XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also need any wrong phone numbers deleted as well as employers deleted. 

They need to delete the following addresses : 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 Delete these phone numbers too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Employers : XXXX XXXX My drivers license is attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received an alert for 30 day Late payment XX/XX/2019. Payment was made and not 30 days late. This was reported inaccurately by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
more than 10 years ago my wife was very ill and our family experienced significant financial problems. We defaulted on our mortgage and in order to get things back in order I accepted a deal with my mortgage handling company that increased my interest to a very large amount. It was my understanding that after our finances improved, and we demonstrated that we made our payments on time our interest rate would be decreased. Unfortunately that has not happened. I have requested that they review our account but all they have done is tell me that my mortgage is eligible for refinancing. My credit is now excellent but the mortgage on my house is much more than its value and I can not get a new lower interest mortgage. I feel that if the company can increase my interest they can also lower my interest. I have been encouraged by many to " walk away '' from my home but I have been in it for 40+ years and do n't want to do that. I am more than willing to honor my mortgage but need some relief on the interest I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XX/XX/XXXX my wife and I changed wireless cell phone carriers from XXXX to another carrier. We agreed to pay an early termination fee of {$140.00} which we paid. 

On XX/XX/XXXX we received a collection letter from XXXX claiming we had a debt of {$140.00} to XXXX. My wife wrote to the collection agency and soon that company wrote back saying they were no longer pursuing payment on behalf of Verizon. In XX/XX/XXXX XXXX sent me a collection notice for {$140.00}. on behalf of XXXX. My wife asked them to provide validation of the debt. They wrote back to say they were no longer taking action against me. At this time XX/XX/XXXX McCarthy, Burgess , & Wolff collection agency is demanding XXXX be paid the same {$140.00} that we paid in XXXX. M, B, & W have placed an additional {$26.00} as a collection fee. I have dates and the amounts paid to XXXX for a full year and I can not find any thing that would disputes my claim, we do not owe XXXX any money for a debt that does not exist. I thank you for being a consumer financial protector and hearing my concerns. 
Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I received a letter in mail. It was a pre-approved confirmation certificate- for a pre-approved loan. 
It was our residential address, but the recipient was a different name. 
I searched this name, and he had XXXX criminal records. Two years ago, we had a collection agent called us about the bill we did not have, and it was the same person 's name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: FISERV INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I applied for a checking account with XXXX. It was application ID:XXXX. They told me I was denied in part because of information furnished by Telecheck. I was shocked because the only check I write each month is too my landlord of the past 9 years, and I have never once bounced oXXXX of those checks. After much difficulty, I have received a report from Telecheck alleging I wrote XXXX checks on a checking account that I had closed years previously. Those checks were alleged to have been written in XXXX Colorado in XXXX at XXXX XXXX no XXXX. I have never in my life been a member of XXXX XXXX  nor have I ever visited XXXX Colorado. I have been the victim of widespread identity theft with police having contacted me from California and Washington state stating they found my personal information in the possession of criminals. I have also filed an identity theft affidavit with the FTC. Furthermore, the last 4 digits of the state ID claimed to mine on the Telecheck report do not match my Arizona DL which I have had since XXXX. I have also filed multiple fraud reports with TeleCheck including a signed affidavit stating I did not write those checks and they refuse to remove the inaccurate information in violation of the FCRA. To add insult to injury after the last dispute they added a third additional check to the report which was also committed by some criminal and not a check that I wrote. At this point, Telecheck is reporting fraudulent information about me that is causing me a great deal of stress and emotional issues as well as financial as I have to spend time and money disputing inaccurate data. Telecheck is not taking this serious. I know in the past they have been sued by the government for not properly investigating. I feel they are doing the same thing now to me and need to pay for their FCRA violations against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

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 2022-09-12
Company: Affirm Holdings, Inc
State: SC
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:
Affirm, XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. Affirm has made two loans to someone, but it was not me. They have put an entry into my credit reports that I had not made. They show an open balance of {$54.00} on a loan of {$60.00} as of XX/XX/XXXX. The account supposedly was opened on XX/XX/XXXX. Account number only shows as XXXX on my credit report. This shows as a late payment. I did not apply for credit from this company, ever! Another item from Affirm shows an unsecured loan of {$230.00} opened on XX/XX/XXXX with a current balance of {$250.00}. This account number shows up as XXXX. This is also not my account. This shows as a charge off on XX/XX/XXXX. With a past due amount of {$88.00}. I have contacted Affirm and they would not talk to me to get this resolved since I didnt have the correct phone number on the account. I explained that I did not know the phone numbers for the criminal who got this loan fraudulently but they would not budge. I have since filed a dispute with XXXX and will also be doing so with the other two credit bureaus. In reviewing all my account information with XXXX I find that they are several incorrect items on my personal information. I am disputing those also. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: WA
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:
I have disputed 3 accounts that Experian are negatively affecting my credit. They have failed to send me any documents as to how they investigated my dispute or send me any information that verified the debt they claim I owe. I am certain that the items I disputed are incorrect and should be removed immediately. I have also disputed the fact the have so many different names for me on file.

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 2022-04-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation