BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have sent several letters to TransUnion to investigate the validity of a collection agency. I have also sent the letters to the collection agency. I received a response back stating that the debt has been verified. I asked for verification not validation. The collection company sent me copies of the bill from the doctors office. The patient information is incorrect on the bill.

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 2021-12-29
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent b

elow. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 605 ( c ) running if the period ha
s also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion would not provide me with a dispute number. I also tried to dispute it with XXXX and XXXX but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.

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 2022-05-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
The disputed account XXXX XXXX XXXX was removed from my credit report on XX/XX/2022 from Experian. Today on XX/XX/2022 it was reinserted by Experian on my credit report. They did not give me any explanation as to why the reinserted the account and once an account is deleted it can not be reinserted on the credit report. This account must be deleted off my credit report 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 explanation
Consumer complaint received 2016-09-15
Company: Knight & Hooper, PLLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. Someone opened a charge account with XXXX over eight years ago in my name and this company has placed a lien on my property. The owner is XXXX XXXX XXXX. I have contacted them and the person to talk to is XXXX XXXX. Her number is XXXX. The total of the debt is {$4500.00}. She is with XXXX and XXXX. They are managing the debt. I will be closing on my home in 30 days and need this removed and the lien taken off immediately. Also, I need it removed from XXXX and XXXX. I have offer them {$2500.00} at closing if they would agree but I really feel that they should just absolve the debt completely. I want you to contact her so you and her can figure out a solution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-Navient ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late, XXXX did remove this??

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 2017-01-28
Company: U.S. BANCORP
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
My daughter gave me a Mastercard Debit Card ( it was either for XXXX XXXX XXXX ( XX/XX/XXXX or XXXX in XX/XX/XXXX ). I carefully put it away until I took my grandson out to lunch for his XXXX. Birthday on XX/XX/XXXX. The waitress said the card would not register the {$25.00}. I called Mastercard only to find out that US Bank National Association had retrieved all of the {$25.00}. They directed me to read the find print on the back of the card. In the fine print on the card it said that if it was n't used in 12 months they would deduct {$2.00} a month after 12 consecutive months of inactivity. The card read-valid through XX/XX/XXXX. There had not been 12 consecutive months of inactivity. Even if I received it in XX/XX/XXXX, I was using it in XX/XX/XXXX which would mean only 8 months of inactivity. I could not get them to answer why the money was taken out before the 12 months were up. I wrote a letter to Mastercard at XXXX, NY XXXX on XX/XX/XXXX asking them for an explanation as to why there was no money left on the card The letter was sent back unopened on XX/XX/XXXX. I know this must be a petty thing but it was embarassing and {$25.00} would have gone a long way in helping pay that bill. Plus the fact that they never answered my question about why the money was gone before the 12 months were even begun. This seems like a scam to me.

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 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
CapitalOne XXXX offered a product for purchase at a savings, CapitalOne 's partner XXXX completed a bait and switch. CapitalOne claims this isn't fraud, but instead a dispute. Spending ridiculous time with phone calls and correspondence. CapitalOne allowed me 9 business days to dispute their claim the the offer is legitimate. 

The entire transactions happened on XX/XX/2021, within minutes of realizing it was a bait and switch I called CapitalOne to let them know of the fraud, the told no this is a dispute. They offered a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$57.00} and {$3.00} Sales Tax, instead they informed me that I would receive a hard case for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not the XXXX XXXX. 

I received a letter form CapitalOne dated XX/XX/2021 received on XX/XX/2021 claiming that I didn't follow XXXX 's return policy, but not only didn't XXXX provide return instructions but CapitalOne XXXX is calling it a dispute. I just spent the last four hours re-disputing this bait and switch and am frustrated with the dance CapitalOne is forcing me to complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights 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 instructions.

15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
Elan Financial Services began servicing a current Fidelity credit card that I own. During the transition, Elan turned off my automatic payment status which was in place with Fidelity. Because of that, my payment was not processed for one month. Elan failed to notify me of this either by phone, email or mail and my status became 30 days late. Elan acknowledged that they erroneously turned off my auto pay and agreed to remove my 30-day late status with the XXXX credit reporting agencies, XXXX, XXXX and XXXX. I have called Elan repeatedly and have asked that they update my status from late to current with the credit reporting agencies and they have not yet done so. I have asked for a letter confirming the removal of the late status so that I can remove this " late '' status from the XXXX reporting agencies myself and they have refused to provide one. I have tried to dispute my negative status with the XXXX agencies but Elan has yet to update my status from " late '' to " current, '' therefore my late status will continue to be reported as such. Unless Elan update my status from late to current with the XXXX reporting agencies, my negative status will remain in place. This error had caused me to be declined for credit cards and banking institutions.

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 2021-06-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS IS THE THIRD COMPLAINT AGAINST AMERICAN EXPRESS FOR CALLING ME CONTINUALLY ABOUT A DEBT I DO NOT OWE. THE NUMBER THAT CALLS ME IS ( XXXX ) XXXX. AFTER I RECEIVED CONFIRMATION THAT THE CALLS WOULD STOP FROM THE COMPANY, I RECEIVED YET ANOTHER CALL TODAY XX/XX/2021. THEY KEEP ASKING FOR XXXX. I AM NOT XXXX. I DO NOT DO BUSINESS WITH AMERICAN EXPRESS AND I NEVER HAVE AND NEVER WILL. THEY THREATEN LEGAL ACTION AGAINST ME AFTER I CLEARLY STATE THAT I AM NOT XXXX AND OWE THEM NOTHING. I WANT THIS NONSENSE TO CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I discovered in XXXX 2015, when a low-balance credit card application was denied, that I am the victim of major identity theft. I placed fraud alerts and security freezes with all three of the main credit reporting bureaus. I also requested detailed copies of my credit reports. XXXX and XXXX eventually sent copies ; however, Equifax refused to send me a copy, because I could not answer their " security questions. '' I could not answer Equifax 's " security questions '' about mortgage loan amounts, or installment loan amounts, because those amounts were not mine! I contacted Equifax by phone, several times. I also contacted them via facsimile. I believe CFPB was able to get XXXX Equifax copy for me XX/XX/XXXX or XX/XX/XXXX. However, I need an updated, XXXX 2015, Equifax detailed report, so that I can officially dispute all current fraudulent items. ( Due to XXXX, I had to put all of this on hold. ) I still need to know the name of all of the loan companies in the Equifax report, & what kind of documents the thieves used to open up the fraudulent accounts. 
Equifax 's phone system is a nightmare ... they just keep referring you to other phone numbers. I need the CFPB 's assistance, once again, in obtaining a copy of my detailed Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity. 
According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and XXXX XXXX XXXX XXXX and Federal Trade commission.

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 2015-05-12
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree Mortgage has denied me a loan modification reducing my interest rate, without going thru the proper review process. I submitted their form on XXXX XXXX, theuY denied the modification with a letter dated XXXX XXXX, never asking for any documentation. The letter sent to me on XXXX XXXX stated that all documentation was complete! This is a loan shark operation, my mortgage was sold to them by XXXX XXXX XXXX 2 years ago. I have been modified on other loans based on reduced income, I just think Grrentree operates on a shady mode!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: CT
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I made a large purchase using Discover Financial. I used discover because of the Discover rewards. During this purchase I was offered 10 % cashback plus 5 % cashback for using the discover card while making the purchase through a department store. I received the 5 % rewards. I also received an email at the beginning of XXXX stating I was going to receive the 10 % rewards on my next statement, beginning of XXXX. I did not receive the rewards and when I asked Discover financial I was told then a month later that I was n't going to receive the rewards. I then followed up later in the month and was told it will take 4-6 weeks more to investigate. I was originally told I would have to wait 10 weeks before I was allowed to have anyone look into the issue. I should not have to wait 16 weeks for these rewards to be credited to my account. I would never have used a discover credit card if it was not for this benefit. This is consumer fraud from Discover.

Company response to consumer: Closed with explanation