BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank, is unfairly charging me late fees on mortgage payments that were received within the grace period. The grace period that is clearly stated on the attached statement, allows for payments to be counted on time if Received by the XXXX of each month. 
When I call Fifth Third Bank to report this error. I was told that payments are assessed on processing date, not on date of receipt! I was also told that there was no procedure for submitting proof of payment within their company. 
Please review the attached mortgage statement, payment history and proof of payments from my banks bill pay history. Please note that all my mortgage payments are one day electronic payments. There is no way my payments could be late!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: LEXISNEXIS
State: GA
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:
hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXX XXXX help and remove this is hurting my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the account.

Company response to consumer: In progress
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the o
riginal sig

ned consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if youXX/XX/XXXXfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$6000.00} XXXXXX/XX/XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XX/XX/XXXXXXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XX/XX/XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX | XX/XX/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 2023-05-26
Company: Nexum Group Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My family and I are constantly harassed by XXXX XXXX from XXXX XXXX XXXX She has been harassing us since XX/XX/2023, calling several times a week! 

She has somehow found m family 's landline phone number and has been calling and harassing my elderly mother with abusive and threatening language. We have her voicemails, emails, and constant tyrants captured to be shared as evidence of her aggressive actions. 

Please investigate the inappropriate and abusive practices of XXXX XXXX, she is negatively impacting the lives of innocent consumers every day! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the last six months, First Financial Asset Management ( FFAM ) kept calling me from XXXX on a debt I allegedly owed to XXXX XXXX XXXX, to whom I owe nothing. I told FFAM that they must have mistaken me for another person with the same time. I have written emails, left messages on FFAM 's website multiple times, and the calls continue day and night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
ATTENTION TO BANK  XXXX XXXX XXXX XXXX CREDIT BUREAUS XXXX SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company BANK XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has two accounts shown, US DEPT OF ED/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Navy Federal application and was denied unfairly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Information belongs to someone else

Complaint:
The following information included in my Ftc report is fraudulent I demand immediate removal I'm in the middle of purchasing a home and this has affected e as I have reached out to credit bureaus to resolve this fraud. Violation of my consumer rights 15 USC 1681 law prohibits false information from being reported immediately remove these items i have attached ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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:
In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681.

1 ) 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 XXXXXXXX XXXX identity theft ) Has Violated my rights. 
*15 U.S.C . 1681 Section 602 A. : States I have the rights 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.

*15 U.S.C . 1681c ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MT
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:
The account XXXX with XXXX XXXX XXXX was settled. It is no longer in collections. please remove this from my credit score and see the attached doc as proof. or call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I've submitted the identity theft report and Police Report as additional documents for this fraudulent item. Please remove the account : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed a certified letter to TransUnion dated XX/XX/2022 informing them that I had previously contacted XXXX due to their continued reporting of incomplete and inaccurate information on my TransUnioin credit report. 
I informed TransUnion as a result of the dispute with XXXX, I received a letter dated XX/XX/2022 stating that their investigation into my credit report was non-conclusive ( See Attachment A ). Non-Conclusive meaning incomplete and based 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] it states that any account found to incomplete and whose accuracy or incompleteness can no longer be verified or any notation as to disputed information the account must be deleted.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions

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 2022-12-01
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any communication about this debt, never was given an opportunity to view or question the validity of the debt and have discourse with the accusers of me owing the debt, I have questions about if the company can even collect in my state and if the statue of limitations has run out, and it is now on my credit report as a collection account negatively impacting my ability to obtain credit and impacting my credit score negatively. I have no record of this company contacting me, corresponding with me or them validating the debt to me -- this seems like all fraudulent and unlawful things this company is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a factXXXX XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

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