BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XXXX, the FCRA BECAME LAW " TO ENSURE FAIR AND ACCURATE CREDIT REPORTING, PROMOTE EFFICIENCY IN XXXX XXXX XXXX, AND PROTECT CONSUMER PRIVACY. '' XXXX XXXX. Co.of Am. V. Burr, 551 U.S. 47, 52 ( 2007 ) SHARING CREDIT INFORMATION, " THOUGH OFTEN NECESSARY IN MODERN ECONOMY, CAN RESULT IN A SIGNIFICANT INVASION OF PRIVACY AND CAN JEOPARSIZE A COMSUMER 'S PERSONAL REPUTATIONAL, AND FINANCIAL WELL BEING. '' DELETION OF WILLFUL NON COMPLIANCE NEGLECTFUL NON COMPLIANCE OF INTENTIONAL. FDCPA VIOLATION, INVASION OF PRIVACY, DECEPTIVE. TRADE PRACTICES BY THE COLLECTION AGENCY IMPERSONATING " ATTORNEYS. '' FCRA PROVIDES A PRIVATE RIGHT OF ACTION FOR THE INJURED CONSUMERS. 551 U.S. at 53 ; TRW INC. v. ANDREWS, 534 U.S. 19, 23 ( XXXX  ). A WILFUL VIOLATION ENTITLES. A CONSUMER TO ACTUAL DAMAGES. 15 U.S.C. 1681o ( a ). A WILLFUL VIOLATION ENTITLES THE CONSUMER TO ACTUAL OR STATUTORY DAMAGES, WITH PUNITIVE DAMAGES LEFT TO * the court 's discretion. 15 U.S.C. 1681n ( a ). DO NOT UPDATE ADVERSE INFORMATION PLACED WITHOUT HANDWRITTEN CONSENT BEFORE HAND!! DELETE THIS FRAUDULENT ACCOUNT AT ONCE!!

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 2022-12-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$32000.00} XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}

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 non-monetary relief
Consumer complaint received 2023-07-10
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open and consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-03
Company: EQUIFAX, INC.
State: GA
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 sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$390.00} XXXX XXXX I XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$390.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/, I purchased a living room set ( sofa, love seat, ottoman, chair and tv stand ) from a store location closing sale at XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$3000.00} at XXXX and left to pick up my daughter from XXXX  and came back at XXXX. I was interested in a bunk bed and wanted to show her, eventually setting on a queen bedroom set and mattress for {$1500.00}. 3 days later after researching the company online and the statements regarding quality of the merchandise, I got out my receipt to try and call and cancel, not realizing at the time it said final sale. I called my credit card because I didn't know how to contact the merchant because the sales person said they would only be there until Saturday afternoon and it was Sunday. Capital One agent said, " don't worry, we will work with the merchant to get your money back '' and they opened a dispute. 

I didn't worry until I got my credit card statement emailed to me and saw the charges had been reapplied. I realized I received a document via email with the merchants response to the chargeback. I didn't know I was signed up for paperless statements including disputes upon opening the card 6 months prior. The merchant provided a false statement that they delivered the first set of furniture and then I returned and purchased more furniture that they couldn't deliver until XX/XX/XXXX. On the paper it says Thursday and it says XX/XX/XXXX and it says XXXX. The merchant is claiming to have delivered the merchandise between XXXX on XX/XX/XXXX when the transaction did not occur until XXXX that day. The credit card is ignoring my documentation based on a missed deadline of XX/XX/XXXX after stating on XX/XX/XXXX that I had 14 more days to continue the dispute. Calls to customer service resulted in conflicting and triggering information each time as they each gave different responses as to what I could do in order to continue the dispute. My issue is this merchant provided false conflicting evidence as well as a forged delivery acceptance paper, forging my signature and initials on it to influence Capital One to reverse the charges and gave the merchant more time to respond than it did me, as well as failed to make sure that I received their emailed document that involved {$4600.00} worth of merchandise that I never received. They are telling me, this is mastercards rules and that's it and failed to give me a valid phone number to reach mastercard and wasted my time forcing me to talk to inexperienced customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice on XX/XX/23 that I owed a standard fire insurance company {$820.00}. Called to see what this was about as Id never received any kind of bill for this and had no idea who standard fire insurance company even was. Man on phone and looked and asked have you had travelers insurance before? I said yes, in the past but Im with progressive now. He said oh ok. Its for the travelers plan. Ive never had any outstanding amounts owed to travelers. Received any notice from them about this. Nor was any insurance plan canceled due to non payment. None of it adds up. Online points to this company doing this to others. The only website they have requires you to enter personal sensitive information w the only options being basically to enter payment information when calling or trying to get on their website about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: HW Holding, Inc
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account from XXXX on XXXX, XXXX and XXXX. One says medical and the other 2 say XXXX XXXX XXXX XXXX XXXX XXXX. This is not mine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that were opened fraudulently.

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 2022-12-03
Company: HCFS Healthcare Financial Services of TeamHealth
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: NM
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:
On XXXX XXXX I disputed a charge with XXXX for {$120.00} dollar payment my bank XXXX XXXX stopped when I had available funds. I disputed this claim also because I dont recall making a purchase at XXXX for this amount which I stated to the representative. I sent a letter via certified mail showing I had available funds and this was a bank error. XXXX XXXX representative told me on a recorded line that XXXX received a payment of {$110.00} and a payment of {$120.00}. Then another XXXX XXXX representative told me on a recorded line that the payment of {$120.00} processed only. Either way I disputed this claim I do not recall making it. I payed them in full for everything I allegedly owe and want this removed due to miscommunication with my bank. And if I disputed this claim on XXXX XXXX how is it 30 days late on my credit report?

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 2023-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to file my 2020 taxes and it was already filled fraudulently. I reported all information to the irs and now Im following up with your business per IRS. I have disputed all collections that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: OneMain Finance Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The agent of One Main violated of 10 XXXX tactics in debt collecting. The management and other department have refused to address my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Frontline Asset Strategies, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. 
The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX  and never have and as a last I heard, other than getting notices from time to time. 

I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my current home over two years ago at a guaranteed rate. Shortly after my load was sold to the 5-3rd bank. 

I have PMI as I put less than 20 % down. I have made substantial improvements to my home, like the kitchen, bathroom, all new flooring, baseboards, crown molding, interior paint and new lawn and irrigation. 

My home has appreciated over the two-plus years as well as I have spent considerable money on upgrades. I contacted the bank on XX/XX/2022 to see about getting the PMI removed. 

I have contacted the bank over 20 times online through chat or on the telephone directly, trying to get an appraisal on my home to get a true value for the home and eliminate the PMI charge based on more than 25 % equity. 

They continue to say I need to fill out a paper again, or we didn't receive that paper and we received the paper on the 30th, even though I have an email from the bank saying it was received on the 30th. I have sent the same paperwork in to them 3 separate times. 

I have been at this for 6 months!!!!!!!!!!!!! 

I need help. 

Can you help me, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}

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