BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX )XX/XX/XXXXXX/XX/XXXXCredit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

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 2022-09-19
Company: EQUIFAX, INC.
State: PA
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'am a victim of idenity theft I'am including attachments which are FTC report, Equifax XXXX breach, and the letters I sent the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday ( XX/XX/22 ) I attempt to take out {$260.00} from an ATM located in the XXXX XXXX ( XXXX, IL XXXX ). I was charged the following fees and money deducted from balance but the ATM did not dispense money. 

Amount - {$260.00} Fee from Cash App - {$2.00} Fee from ATM Owner - {$15.00} Total - {$270.00} Note : I tried take a lesser amount ( {$210.00} and {$160.00} ) and the transactions was decline and that is when I realized I was charge but did not get money. 

This is my first time ever having an ATM not give me my money. When this happen I was mad and ended up going home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX the credit companies are all reporting inaccurate in my credit report. 15 US Code 1681i ( 5 ) states that removal of Inaccurate/ invalidated credit information. I have sent letters to all three credit companies and have not gotten a response in 30 days. They are reporting late payments on my credit report without my consent. 15 US Code 1681a states that this is a law, and it should be removed.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
on XX/XX/2022, I sent XXXX, XXXX and Experian stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.

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 2022-07-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at XXXX bank and I paid o ready but this people garnish my account again at work the 3 time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money 3 time Midland Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
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:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
COAF XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX Capital One Auto Fin XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX GM XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Abra
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX XXXX dba Abra XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX, XXXX vs. XXXX XXXX XXXX dba Abra Ref # XXXX To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX dba Abra ( Plutus ) account at XXXX in response to an offer to earn {$100.00}. This account is governed by Terms of Use ( the Terms ) which state You and Abra agree to arbitrate any dispute arising from these Terms or your use of our Services. I never received the promised {$100.00}. 
On XX/XX/XXXX, I filed for arbitration against XXXX pursuant to the Terms and the XXXX XXXX XXXX. 
On or about XX/XX/XXXX, I paid a {$250.00} non-refundable filing fee to the arbitration firm. 
XXXX refused to participate in the arbitration in contravention of the Terms and federal law. 
Now, I respectfully demand that XXXX 1 ) pay the {$1500.00} non-refundable filing fee and 2 ) proceed with arbitration as specified in XXXX own Terms. 
Otherwise, I will file a motion to compel arbitration in the U.S. District Court for the District of XXXX. 
Sincerely, XXXX XXXX

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 explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Back in  XXXX  of this year I informed the cre dit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know if the debt actually exists, but if it does exist, it is not mine. 

I moved out of an apartment 18 months ago. I had given a move-out notice months in advance, but the month we lived out, my roommate decided to stay. The property XXXX had the roommate sign a release, releasing husband and I from the lease agreement. The release took effect on the last day of the lease ( XX/XX/XXXX ). 

The apartment complex continued to contact me about the apartment, and I asked them to stop contacting me, as I do not have a lease with them. I eventually had to go in and write a statement becuase they lost my entire file except for the original lease and any documents relating to the roommate after we moved out. They agreed and stopped emailing me except for a couple emails when the roommate moved out. But nothing regarding a debt. 

My old roommate moved out about XXXX months ago. And I just received a call form a debt collector ( XX/XX/XXXX ) saying they the property XXXX imposed a claim against me for a total of {$310.00} for cleaning, damages, service fees, and water. They could not provide me with any documentation, and proof of damages or debt, or the dates the debt accrued. I also was not informed within 30 days of terminating my occupancy, as required by Florida State law. 

I told the collector the I hadnt lived in that apartment for 18 months and that the imposed claim was not mentioned until they called me. I then called the property XXXX. The XXXX of the office told me that they misplaced documents again and that if she cant find my file and the release then I am still responsible. I told her that I had given a move out notice, was signed off the lease, and wrote a statement for them when they lost the file the first time. 

After telling me that she would hold me responsible if she cant find the file, the XXXX said she would call me back later that day. Its been a week and she refuses to take my calls and tells her secretary not to let me speak to her. 

I called the debt collector back and they told me if I dont pay it, they will have to report it and it will hurt my credit. 

Ive exhausted all avenues. The property XXXX and the collections agency both refuse to provide me with any documentation or rational for the imposed claim and refuse to acknowledge that I moved out 18 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I want to sue Rocket Mortgage. Because of their incompetence and dishonesty handling my home buying process im now losing my current home Ive owned for 11 years and not able to secure the loan they assured me several times would close at the same time. Both houses werr under contract. When rocket mortgage said they could no longer fund the loan the accepted offer in the house ubwas buying was cancelled but my hkme was still under contract to close and now Im not buying a house in time for the closing date that was supposed to be simultaneously done. I worked with them sunce day 1 of the process including listjng my current home that im about to lose. I think of as being robbed of my home. I did everything they said and was assured kultiple thay everything was as it should be and to co tinue through the process. The person handling was incompetent and obviously not responsible enough to handle this job. I was giving preapproval letters. Their excuse, lack of accountibility, or taking any responsibilty for their actions is that since it has been longer than 30 days since i left my last employer they coupdnt fund the loan. My last daycwith the employer is XX/XX/XXXX and the last updayed preapproval letter was given to me XX/XX/XXXX. They gave me reassurance and a preapproval letter even after the 30 days. They never disclosed any information about their 30 day rule nor disclose to me they were using my previous employeers in to qualify me for the loan. I had already gotten another job Iwas supposed to start this month. They told me thay all they needed was the job offer acceptance letter from what would be my new employer. Not only have they just cost me my home, they cost me a job too. I want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
AROUND EARLY XX/XX/2022 I RECEIVED A NOTIFICATION OF A NEW FRAUDULENT ACCOUNT OPENED AND REPORTED ON MY CREDIT PROFILE BY THE NAME OF " XXXX XXXX. UPON RESEARCH THIS ACCOUNT SHOWS IT WAS OPEN XX/XX/2022, BUT IT JUST WAS REPORTING TO THE CREDIT BUREAUS IN XX/XX/2022. I CALLED THE PHONE NUMBER OF THE " XXXX XXXX '' ( XXXX ) XXXX XXXX BUT DID NOT RECEIVE A LIVE PERSON AND GOES TO AN AUTOMATED MACHINE WHEN I TRIED TO REPORT THE FRAUDULENT ACCOUNT. 
I HAVE BEEN DEALING WITH THESE FRAUDULENT APPLICATIONS BEING SUBMITTED ON MY BEHALF ALONG WITH MY MAIL BEING STOLEN FOR QUITE SOME TIME NOW. I HAVE NOTIFIED THE XXXX POLICE DEPARTMENT, FTC, UNITED POSTAL POLICE, AND NOW THE CFPB WHICH IS ATTACHED. 
AFTER ANALYZING MY ACCOUNTS AND STATEMENTS I'VE TO REALIZED FUNDS WAS WITHDRAWN FROM MY FIFTH THIRD BANK ACCOUNT IN THE AMOUNT OF : {$8500.00} ON XX/XX/2022 {$200.00} ON XX/XX/2022 {$500.00} ON XXXX XXXX {$8500.00} ON XXXX XXXX {$6000.00} ON XXXX XXXX I HAVE CALLED AND NOTIFIED THE FIFTH THIRD BANK ABOUT THIS MATTER WHICH PUT MY ACCOUNT IN A NEGATIVE BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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, And portfolio resolution haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: PA
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, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Financial Assistance Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Subject : Complaint Regarding Debt Reporting Violation I am writing to file a formal complaint against Financial Assistance INC for alleged debt reporting practices that I believe are in violation of federal regulations, specifically 12 CFR 1006.34, Notice for validation of debts. 

I have recently become aware that an unfamiliar alleged debt is being furnished onto my credit reports by Financial Assistance INC. This information has been reported to the three major consumer reporting agencies, including XXXX, XXXX, and XXXX. My concern is that this action has taken place without providing the required validation information as mandated by federal law. 

According to 12 CFR 1006.34 ( a ) ( 1 ), a debt collector is obligated to provide consumers with validation information, which includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires debt collectors to disclose in their initial communication that they are attempting to collect a debt and that any information obtained will be used for that purpose. To the best of my knowledge, I have not received any such communication from Financial Assistance INC. 

The reporting of this alleged debt to my consumer credit report has had a severe and detrimental impact on my character, reputation, general mode of living, and my ability to obtain credit for personal and household purposes. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Financial Assistance INC for potential violations of federal debt collection regulations and consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation