BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
During the years of XXXX thru XXXX when the United States was in a nation wide pandemic. I lost my job due to covid and fell behind on my house payments. I have since then made double payments and made good on all of the late payment charges i received from the bank and caught my loan back up to a non late status. I have tried multiple times to work with the bank on forgiving the late charges due to the loss of my job during covid but they will not work with me. These late charges have destroyed my credit score and I am in no good standing to refinance my balloon loan that is up at the end of this year. Please if there is anything you guys can help me with that would be greatly appreciated.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-09-30
Company: EQUIFAX, INC.
State: PA
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:
In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and Equifax are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania  XXXX Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report, as well as to request your assistance in enforcing my legal rights. The violations outlined below pertain to the Fair Credit Reporting Act ( FCRA ) and its corresponding sections. These discrepancies have had a profound effect on my financial well-being, and I implore your intervention to rectify the situation. 

Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) [ Include the rest of the creditor details with corresponding violations and sections as mentioned earlier. ] These violations have not only tarnished my creditworthiness but have also wrought havoc on my personal life. I share a deeply personal story to underscore the emotional toll these inaccuracies have taken on me. As a dedicated father, I found myself facing unforeseen financial challenges when I was denied a mortgage loan for our dream home due to my compromised credit report. The emotional distress, the feeling of inadequacy, and the disappointment in my inability to provide a secure living environment for my family have left an indelible mark. 

I appeal to your compassion and expertise to guide me through the process of rectifying these grave errors. I kindly request your intervention in enforcing the removal of these unverified accounts from my credit report. It is my sincere hope that through your assistance, I can regain control of my financial standing and provide a brighter future for my loved ones. 

Thank you for your understanding and anticipated assistance in this matter. I eagerly await your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: PDQ Services, 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:
I have reached out to PDQ Services, INC in regards to them reporting inaccurate information on my credit report. Not only is this information inaccurate but it is also in violation on HIPPA rights. I feel that this inaccurate reporting is in direct violation of my protected health information. They have reported that I have a collection from XXXX XXXX  XXXX XXXX, XXXX. This inaccurate is very embarrassing and has caused me great XXXX. My attorney friend informed me that I should reach out to you to make sure that this inaccurate and embarrassing information is removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Account : XXXX XXXX # XXXX Pursuant to XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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 2015-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card
Issue: Privacy

Complaint:
XXXX, which controls The XXXX XXXX Credit Cards had extended my wife a line of XXXX dollars originally. We had good standing with this card for a long period of time despite the extremely assanine 25 % interest rate. It got to a point where certain interest points of XXXX and XXXX month special financing were dropping off and it was expanding beyond our credit limit and I was paying around XXXX dollars every three months to bring it back down below the minimum balance. After this occurred, XXXX lowered the balance and worked with us to catch it up. There was a disagreement on payment and the account went into collections after they tacked on XXXX dollars more and put us over the limit. Now it is with a collections company called Portfolio Recovery Associates LLC. 

They have been rude, and they have bombarded my phone XXXX times a day with varying phone numbers. They have initially failed to identify themselves until they try to bait me into identifying myself as " XXXX Husband '' to which they ask for no further identification questions. They do not verify that I am indeed who I say I am but then go into how she owes money and disclose personal information. 

This is a violation of Fair Collections, This is a violation of XXXX privacy as it 's advertising that she owes a debt - anyone can pick up my phone and say they are - there are laws to prevent this and I 've been rudely told there are not. 

I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat. 

They have also used auto-dialers on my cellphone a XXXX times to get me to return the phone call to speak to someone. 

Please see their previous and current lawsuits -The XXXX also says that : A pending class-action lawsuit filed in XXXX District Court in California in XX/XX/XXXX claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission. 
PRA lost a class-action lawsuit filed in XXXX XXXX XXXX in New York, and in XX/XX/XXXX was ordered to pay {$350000.00} to about XXXX consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices. 

The Consumer Financial Protection Bureau has received XXXX complaints about Portfolio Recovery Associates between XX/XX/XXXX and XX/XX/XXXX*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include : Threatening a lawsuit or other legal actionImproper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call ) Disclosing the existence of the debt to third partiesContinuing to attempt to collect debt that was not owed or that had been paid. 

This has also happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-22
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
They keep repossessing my vehicle every time I come home. When I ask for letters or attempt to make arrangements they will not I asked for letters cant get them. They asked me was I still in the XXXX I told them yes. They will not let me refinance. They wouldnt lower the interest

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 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I disputed Fraudulent charges on my Capitolone card on XX/XX/XXXX that occurred on XX/XX/XXXX. 
Capitolone reversed one, the {$1800.00} plus charge but after their investigation said I was liable for the second which was a cash advance for {$400.00} .Three days ago I received a suspicious and threatening email saying person had my password, personell info., ect..and infected my computer with Malware and demanding another " {$400.00} '' in XXXX I have filed a police report and fraud alert with XXXX. 
I am asking Capitolone to reopen the investigation in light that my identity has been hacked and the possibility that safeguards at the ATM where the {$400.00} cash advance was taken might have been compromised and no protection for me from fraud. 
A Certified letter was sent Capitolone requesting this. 
Lastly, I am asking that the XXXX due date be forestalled in that I had a XXXX balance before the fraudulent {$400.00} was added to my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$840.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
These companies didn't ask my permission to run my credit with but law i am my credit by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received a letter from Bank of America stating my debit card is here. I have never had or attempted to open an account with Bank of America. 

XXXXXXXX XXXX prior, I received a letter from Bank of America stating that " my account '' could not be opened due to additional information required. 

This process with Bank of America has really been a thorn in my side.

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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have around XXXX transactions charged to my Bank of America credit card that are all fraud adding up to over {$1000.00} I have called, emailed submitted fraud claims & been denied. I have screenshots Ive sent as to what charges were mine be what are not. Ive been calling & resubmitting these fraud charges over & over.

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 monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief