BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} 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 2022-05-03
Company: EQUIFAX, INC.
State: OH
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item several since XXXX 2021 stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly! I have also sent XXXX letters to both XXXX and Transunion asking for signed documents or original contracts with my signature on them for the account they are reporting incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I 've had the Fidelity rewards XXXX card for several months. The card was supposed to come with an introductory bonus promotion of, I believe, {$100.00}. I have not received this bonus. In addition, I have referred 2 family members for the card and have not received the referral credit bonus either.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : ( XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$11000.00} )

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 2020-04-23
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, I mailed 4 checks, two of which went to credit card companies [ PNC and XXXX XXXX  ]. The non-credit card payments arrive and cleared. Unbeknownst to me, the credit card payments did not. When I finally realized the checks had not cleared, I called both places. I am making arrangements for payment. I am also asking for late fees and negative credit report info to be removed. 

What do I need from you? PLEASE monitor if this is happening to others. Are banks " not receiving '' payment so they can boost the bottom line with late fees and higher interest rates? One bank is understandable. Two banks is absolutely fishy. 

Please keep an ear out and maybe alert media outlets about a possible problem. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have written Portfolio Recovery and made calls asking them to cease all contact. They sent a letter to me acknowledging my request. On XXXX/XXXX/XXXX at XXXX XXXX XXXX Portfolio Recovery ignored this request and contact me via phone which they were not allowed to do. Portfolio Recovery has violated FCRA and I demand they stop contacting me regarding a debt I do not owe. This debt is not valid and they continue to contact me even after they have been told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions Inc.
State: NJ
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 have noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries

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 2017-10-20
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/XXXX, I received a XXXX XXXX XXXX alert on my checking account. I have alerts set up to notify me of withdrawals from my account. 

I was alerted that a withdrawal of {$820.00} was deducted from my personal checking account from Freedom Mortgage Company. 
This was taken from my account without my authorization or permission. 

I tried to submit a payment yesterday on line to Freedom Mortgage which I have done for the past 2 years. The auto system said all three times, there was a problem with my on line payment to contact costumer service. I contacted costumer service and was told that the mortgage company had a new system and was having problems excepting payments on line from XXXX users like myself. He refused to take a payment over the phone unless i was willing to pay {$15.00} service charge. 

So I got off the phone with Freedom Mortgage and used my I pad to try and schedule a payment for XX/XX/XXXX. It took my payment for next month. I printed copies of the confirmation for XX/XX/XXXX. 

When I received the XXXX XXXX alert, I contacted Freedom Mortgage immediately and I spoke with XXXX. He said that the system shows all three rejections yesterday and they should not have taken any money out of my account today. 

XXXX also acknowledged that I have a scheduled payment for XX/XX/XXXX which i cancelled today since I am now paid until XX/XX/XXXX. 

My complaint is that the mortgage company went and deducted money from my account without my knowledge. This is very scary and I want them looked into.

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 2022-05-03
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, several complaints were filed with CFPB on behalf of inaccurate PUBLIC RECORDS appearing on XXXX, Experian, and XXXX Consumer reports do to IDENTITY THEFT. 

CFPB COMPLAINT XXXX CFPB COMPLAINT XXXX On XX/XX/XXXX, XXXX, XXXX, and Experian have refuse to respond with accurate method of verification to CFPB as feedback to Consumer complaint. 

XXXX, XXXX, Experian all are liable for willful non-compliance according to FCRA 15 U.S. Code 1681c 2. 

They are in federal violation and refuse to Block information resulting from Identity theft. 

Consumer issued required documents in XX/XX/XXXX, that consist of FTC complaint, Identity Theft police report, a letter from US Bankruptcy Court, and XXXX XXXXr stating Consumer PUBLIC RECORDS were deleted do to violation of the FCRA. 

After extensive research The Bankruptcy Court sent Consumer a letter stating they have no interaction with credit bureaus, including XXXX, XXXX, and Experian. Consumer discovered Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A law office repeatedly calls me on a weekly ( or even more often ) basis. They apparently serve as a debt collection agency. I discovered this by XXXX their phone number. They leave the following message : " This is the law office of Linebarger, Googan, Blair, & Sampson calling for ( so-and-so ). This message is in reference to account number (  such-and-such ). ( Unintelligible ) call XXXX. '' I called the number several months ago and left a message telling them they have the wrong number. I said : " Nobody by the name of ( so-and-so ) lives at this number. Please stop calling me. '' They have not had the decency to cease and desist, so I am filing this complaint. If they keep calling me, then I may hire an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: CA
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 2017. I noticed that my checking account was a withdrawn for {$500.00} and I called Chase to make a claim at their fraud dept. i 10min I had the money back in my account in a month later they took it back. I was asked to make a police report so then they can have permission to call the company that owns those machines and to see the camara..I did it, I also was given a fax number where to send it..I did it. I faxed it 5 times they claimed never go it..I send it via regular mail certified and return receipt then they got it..soon after that, they told me that was going to take 30 days to get an answer in fact, I got a letter in the mail saying my case was closed they were not going to return my money due to their own conclusions, I called again, to follow up on that letter and I was given another number to call that is a support dept. and they said go to the police dept and give them this number so we can help..I go to the police dept and I told them this and they said we do n't need to talk to them they have to do their own investigation at that point i was given a detective phone #, I gave him a call he returned my call I explain to him the whole situation and he told me that they were giving me the rounds they should be responsible for situations like to do their own investigation ... but chase has closed my case and they said there is nothing they can do ..I, as a victim I was told to do left and right so I found very unpleasant false statements in their part every body and every dept are trained to lie lie lie at the end of the day I lose. I lost my {$500.00} I spent for certified mail, I spent time on the phone, running to the police dept, calling a first assigned detective, then a second one, so at the end of the day they 're done denying the case. I was put in a huge stress situation that I do n't  appreciate a bit of it. thanks to their lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: PENTAGON FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
I requested XX/XX/XXXX investigation about how the account is actually reported to all three credit bureaus .Wether or not is Metro-2 and E-Oscar Complaint. 
Please reference to the CFPB complain copy attached. 
On XX/XX/XXXX Company replied that the debt is valid .I have NOT questioned validation of debt. 
I requested investigation several time already please see attached and have not received anything that looks like investigation report or even contract with my wet ink signature that I owe this company anything. 
According to XXXX ( XXXX and XXXX are not even reported, because account is not verifiable ) last time this account was reported in XXXX. 
That means that investigation was never started and/or completed. 
According to Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) : The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
In addition to that : Section 312 of the FACT Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 
I addition to that : Direct Disputes Rule : 1022.43. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in XXXX, it allowed consumers to also file disputes directly with the furnisher. 
Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Investigation Procedures. Under 623 ( b ) ( 1 ) )

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 2017-06-29
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested on three separate occasions that XXXX XXXX XXXX validate the debt they seek to collect. I have requested validation because I believe they are trying to collect an invalid amount and are not reporting my payment history properly. XXXX has failed to respond to my requests to validate the alleged debt owed. I have received numerous communications that request payment of varying amounts. Even after logging complaints with the Consumer Financial Protection Bureau, XXXX has failed to validate the alleged debt. <P/>Most recently I received a letter demanding an amount of 3 times the amount being reported on my credit report. While I do not believe this amount is accurate either, I am trying to show the inconsistencies leading to my demand of validation in order for XXXX to continue reporting this tradeline on my credit report. Pursuant of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act you have an obligation to ensure data being furnished has been verified AND VALIDATED. This complaint is to notify Equifax that XXXX has failed to provide proper validation of the alleged debt and therefore does not have the legal grounds to continue any debt collection efforts including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX & CO XXXX CXXXX XXXXXXXX XXXX XXXX XXXX SERV 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 2019-07-18
Company: Time Investment Company, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a joint loan for cookware with my now ex-husband and the company TIC or Time Investment Company who funded the loan calls me multiple times a day all hours especially right before XXXX. I have already informed them I was going through a divorce and the divorce decree states that he is responsible for half and they insist that I must make a payment and when I say I don't have the money as I have not received XXXX XXXX and have had to take on all of the household expenses and all they say is well shy can't you make the payment today when I already told them that I do not have the money right now but I will take care of it. I have also asked them to stop calling and they refuse and tell me that the calls will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX School Loans on report twice and it is past the 10 Year mark asked to remove all. 
School loans showing forbearance and repaid and never paid any on loans. 
I have very low income

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