BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy 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 2022-03-14
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:
Spoke with multiple representatives about inquiries on my credit report provided them with the FCRA information that was provided and was advised there is nothing that can be done. Soke with the companies that have the inquires on my report and there is no paper work with my signatures.

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 2022-03-14
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 is missing that should be on the report

Complaint:
the Account for XXXX is XXXX XXXX  non-compliant. The account number is incomplete therefore this account violates FCRA for reporting incomplete and inaccurate information. This account has also been paid in full for over six months. Metro 2 says an account paid in full can not report over six months from payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NM
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Toyota continues to report 120 day lates on my credit report even tough the date of last activity XX/XX/2009. This is illegal and needs to be addressed and rectified. I have tried multiple times through the credit bureau dispute process without resolution so I am asking you step in and make them correct the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-14
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a need to reopen the company 's response to Complaint XXXX which was closed prematurely. The company claims that it complied with the validation requirements of 15 USA 1692 by dismissing the requirements a low standard. However, most of the obligations the company alleges to be due from XXXX XXXX do not identify the creditor at all. The following claims have been reported to the credit reporting agencies for which XXXX XXXX never received any billing or explanation - including the actual creditor - listed as follows : XXXX XXXX {$850.00}, XXXX XXXX XXXX {$300.00}, XXXX XXXX {$760.00}, Credit Control Corp {$61.00}, Credit Control Corp {$84.00}, XXXX XXXX XXXX {$87.00}, Credit Control Corp {$150.00}, Credit Control Corp {$240.00}, Credit Control Corp, {$300.00} and Credit Control Corp {$760.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: LPSG
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company called me and left a voice mail on my phone, stating they were going to send XXXX uniformed police officers to my place of work, and said they contacted my place of employment and my place of employment stated to send to them to my house, I contacted my work and no calls had come in When I called the company they said I needed to give them my debit card number, I did not give it to them, They told me they were going to take legal action on me and I asked what my balance is they stated it was XXXX. My credit limit on my card is only XXXX,. I called my credit card company was was told it was only XXXX. I have already been to the police department here and was advised NOT to give them any info and to tell them that I had already contacted the police depart and that what they are doing is illegal and further action will be taken against them, This company was very rude to me and said if i do n't give them any money and dont give them my debit card number they will take me to court and garnish my wages, This has stressed me out to the point I could not breath and now I am scared for me and my family, This company needs to be stopped!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Cottonwood Financial Ltd.
State: IL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a Dept Balance of XXXX from XXXX XXXX XXXX, XXXX. 

The Dept was charged by CAPITAL ONE BANK. 

The purchases were made outside of the state I live in & I have never had a Captial One Bank account. 

Please help resolve this issue. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account looks to have been opened up in my name by my someone that I had given access to my home to babysit my daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TransferWise Ltd
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi there so I use Wise to transfer and receive money from people that live internationally. I had XXXX taken from wise in the form of two payments. The money was taken on XX/XX/2022 at XXXX XXXX eastern time. The transaction type was direct debit payment. I did not authorize this payment nor did I add this recipient to my wise. I have two factor authentication on my wise account but did not get notified of this at all. I have tried to contact wise by phone and email but have not received any responses I even messaged their XXXX  account but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please reference prior claim filed with CFPB, [ Case number : XXXX. This is an ongoing issue. Mr. Cooper continues to improperly post payments, does not post payments timely etc. I continue to receive letters from their attorney that I am 3 months delinquent when I am actually only due for the current month. They have now been granted relief from the automatic stay. At the time I began working with Mr Cooper to resolve this situation yet again on XX/XX/XXXX I was contractually due for XX/XX/XXXX with a post petition due date of XX/XX/XXXX. Now, theyve made additional adjustments and show that Im contractually due for XX/XX/XXXX with a post petition due date of XXXX. At the time of the last letter in XX/XX/XXXX they agreed I was current and due for XX/XX/XXXX. Since then I have made a payment in XXXX, XXXX and 2 in XXXX. The bankruptcy department just told me yet again that since my post petition payment amount is different than my contractual payment amount that they get misapplied. This is entirely unacceptable. They have caused me significant emotional distress over a period of years. The mortgage statements attached show I was current. In XXXX of XXXX it took filing a complaint with the CFPB to get the issue resolved. Im hoping between this new complaint and the complaint I filed with FHA that they finally get this corrected in a satisfactory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I was declined for a credit card from Costco, and subsequently found out that Best Buy CBNA reported negative information to the credit bureaus regarding an account that was closed in XX/XX/2016. This account was closed with a XXXX  balance and somehow, they are just now reporting it to the bureaus with a balance and as charged off account. I disputed it with the XXXX  and XXXX  and Best Buy CBNA quickly ( too quickly ) advised both those agencies that they confirmed their information was accurate without further explanation. I also sent Best Buy CBNA a separate letter disputing the information and requesting proof of this bogus debt and have not received a response as of yet.

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 2020-03-04
Company: EQUIFAX, 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 received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I live in TX and according to my research ( XXXX ) collectors have up to 4 years to contact me about a debt. XXXX XXXX XXXX XXXX is contacting me about a debt that was charged off in approximatley 2003. And Dynamic Recovery Solutions is also contacting me about a debt that was charged off approximately 2003. 
I believe these tactics are very decptive and I wish them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: General Motors Financial Company, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple calls per day, up to 14, several times an hour, some with 'Portfolio Recovery ' in the Caller ID, the others showing as 'Unavailable ' or from a multiple of states and numbers.. 

The 'Unavailable ' and multiple states/ numbers phone calls are actually from 'Portfolio ' as I have been answering the calls at various times, and the callers states that they are calling from 'Portfolio '. 

Despite repeatedly requesting any documentation regarding the debt, I have yet to to receive any correspondence. I was advised by the company, that they 'do not communicate via mail ' and 'all matters were handled through telephone '. 

I have repeatedly requested that they do not call multiple times each day, or to please record a message on my answering machine. I have been told that they are 'unable to leave any messages regarding the matter ', despite previous instances of messages being left. The usual format that they follow with the repeated phone calls is to wait on the line until the machine answers the call, proceeds through entire recorded message and then 'beeps ' to indicate recording period. They then hold the line for several seconds and then hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
received a letter asking me to provide my taxpayer id or SSN to them and if I did not, I would be fined by the IRS. The IRS has my correct info, and so does this company!! the letter was dated XXXX/XXXX/15. I have the email I sent to them not to contact me any further on XXXX/XXXX/15 at XXXX. to XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX student loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment history- Experian/ XXXX XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

XXXX and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated

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