BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am a natural personXXXX XXXX  also known as XXXX XXXX XXXXXXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.

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 2022-09-14
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company XXXX located at professional debt mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has a judgements on my credit for an amount not owed I attempted to negotiate with this mediation company to pay XXXX for which they did not accept. Then I ask for the summons that was served to me with my signature or could they furnish burden of proof with my signature that I was made aware of this collection amount owed .I want the burden of proof that I XXXX XXXX signature and paperwork was provided to my current address for this debt Also provide me of the method of contact they used to contact me with paper trail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 complaint # XXXX. I noticed that even after Portfolio Recovery was put on notice via cease and desist they are still communicating with me about an alleged debt via my consumer report. The FDCPA defines the term communication broadly to mean the conveying of information regarding a debt directly or indirectly to any person through any medium '' that includes consumer reports. As I have stated previously I have never contracted with Portfolio Recovery nor have they been able to provide me with a contract in which " I '' the consumer ever had any business transactions or agreement with Portfolio Recovery because there is none. Portfolio Recovery committed identity theft by purchasing my personal identifying information without my consent and then Portfolio Recovery committed aggravated identity theft by using that information to furnish alleged debt to my consumer report without my consent. Parking alleged debt on a consumer report to coerce payment, extort, or intimidate is illegal and is within the legal scope of racketeering and that carries up to 20 years in prison. I've given Portfolio Recovery a chance to cure this matter but they are being willfully non-compliant as well as willfully negligent to my rights as a federally protected consumer. This is the last notice in regards to this matter, a rebuttal is unnecessary and ignorance of the law is no excuse. DELETE the accounts in question from ALL consumer reports upon receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
IRS Phone scam. Victim was told police would be coming to her house, she got scared and followed instructions to send {$500.00} via Western Union to XXXX.I have yet to contact Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
it Cards Inquiry date : 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 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 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 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 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 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 XXXX Tip XXXX new inquiries have been placed on your credit report. 

all ftc violatons enclosed

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 2019-12-03
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Current date : XX/XX/2019. Had a car accident on XX/XX/XXXX. On XX/XX/XXXX, acquired email conformation that GAP company, assigned to me by car dealership, received all my requested documentation. On XX/XX/2019 the GAP company completed the adjudication process for the financial GAP benefit regarding the loss of the covered vehicle. During this whole time I was still required to make payments for my unpaid loan balance. XX/XX/XXXX, received email from car company that read " Weve received your payment of {$3000.00} '' ... Your payment was processed on XX/XX/2019. It may take up to 5-7 days for your payment to be reflected in your bank account. '' This amount of XXXX was more than I owed, which was currently around $ 1k.  I have received one check for {$370.00} which is dated XX/XX/2019, and supposedly I am awaiting two other payment checks in the amounts of {$1200.00} and {$400.00}. I have called the Finance department several times and talked to several different employees and supervisors which informed me that they have submitted email inquiries to the payment department. I'm told that the checks are pending approval. Called again today, but seem to taking way more time then it should and getting really annoyed and frustrated with this and do not feel like my case is important to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law charged an up front fee and reoccurring monthly fees to repair my credit. Nothing on my credit was ever repaired nothing negative was removed, my score did not increase, and I paid for a combined total of 2 years @ a rate of {$140.00} a month. This method is in direct violation of law on credit repair services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have been issued Credit card as well I have check in and savings accounts in Chase Bank. On  XXXX   XXXX   2017 , I used my credit card instead of debit card by mistake to withdraw {$1000.00}. I realized my mistake immediately after I checked my bank account online within an hour and I deposited {$1000.00} back to the credit card. I never intended to take  a cash advance and having a good balance in savings and check-in accounts, I did not needed the cash advance and i t was a mistake. The Bank posted the withdrawal transaction on  XXXX   XXXX   2017  and they have charged a transaction fee of {$50.00}. When I called the credit card customer care, they declined to revert the fee, in spite of agreeing that the intention was never to take the cash advance.Also, The customer c are executive sai  d that they will charge interest with APR 25 % + on the {$1000.00} for two da ys till the transaction was posted i.e. from  XXXX   XXXX   2017  to  XXXX   XXXX   2017 . They will charge in spite of my {$1000.00} advance payment posted on  XXXX  itself. I was unable to understand why should I pay for delay in bank 's posting. Also, I had a negative balance to cover the  cash advance f rom  XXXX  itself, then why should I pay interest.The bank should not have charged the transaction fee and interest charge. Its unfortunate that I am being penalized for a small mistake which was corrected immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
Company: Flagstar Bank, N.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A phone call was placed to XXXX XXXX XXXX and XXXX  XXXX. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with Flagstar Bank, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX  prior to my receiving the documents which is a violation of the FDCPA, I spoke with XXXX XXXX and explained i have not received the docs, she explained they " sent them out at the end of last month '' which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded

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 2019-12-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
none of this was me my wallets with all my information has been stolen twice and also when i lived in the apartment at XXXX XXXX XXXX XXXX my mail was being stolen and information was being used when i moved out the stuff on my report is from identity theft and i dont think its fare because i been reported identity theft and it still havent been resolved

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 2017-06-22
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX, 2017 on or about XXXX XXXX my husband was contacted from teleohone number XXXX on his cell phone about a credit card I have in my name alone regarding payment-they proceeded to ask if he could get me on the phone about a financial matter regarding payment. He handed the phone to me and I told them not to call that number again. I am working with XXXX XXXX XXXX to resolve the debt. They did not have his cell number supplied by me and they should not be calling that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this year i checked informed by credit reporting application XXXX XXXX that a collection account was put my credit report that i did not open and has greatly affected my credit score and is now stopping me from obtaining suitable housing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One allowed someone to fraudulently open an account # XXXX in my name also make purchases and also sold my personal information to a 3rd party debt collector without my consent. I am requesting the original contract with terms and signatures that gave consent to Capital One to sell my personal information to 3rd parties for collection. I've contacted Capital One Several times to resolve the identity theft issue with no results. I am requesting documentation to seek legal action if nothing gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened up   a Citi checking account in  XX/XX/XXXX  for a {$300.00} opening promotion. After fulfilling the terms of the promotion Citibank refuses to honor it.
<P/>  The offer had the following requirements to receive the {$300.00} bonus : Open a new eligible consumer checking account in T he Citibank Account Package between  X/XX/17 ?  X/XX/17  a nd complete the following withi n forty-five ( 45 ) da ys of opening your account : - Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existin g Citibank Savings Plus Account or Citi Savings Account ( completed on  XX/XX/2017  ) -  Maintain a minimum balance of {$15000.00} for  thirty ( 30 ) consecutive calendar days following the date when you made your qualifying deposit. ( completed on  XX/XX/2017  ) AND - Complete 1 qualifying Direct Deposit to the new checking account or make 1 or more qualifying purchase transactions with your Citibank Banking Card totaling {$250.00} or more ( completed  on   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 2021-05-17
Company: National Credit Systems,Inc.
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX of 2018 I receive a notification of a XXXX XXXX credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called XXXX XXXX XXXX XXXX to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking XXXX to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what XXXX XXXX XXXX XXXX is doing to me.. Please help me.. 

Equifax Confirmation numbers 1. Disputed Conf # XXXX 2. Disputed Conf #  XXXX 3. Disputed Conf # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on Transunion, XXXX shows charge-off began XX/XX/2020 and XXXX shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.

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