BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, XXXX, my wife and I received written acknowledgement that our IRS XXXX XXXX XXXX had been officially withdrawn. IRS Forms XXXX and XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release '' was sent to the XXXX County, XXXX Recorders Office and subsequently recorded which was verified by written notice from the XXXX County Recorder on XXXX XXXX, XXXX. My wife and I have made five ( 5 ) attempts to have the tax lien removed from our reports including two on-line disputes ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with TransUnion which were both denied. Then a phone call on XXXX/XXXX/XXXX to inquire about the dispute directed us to send a fax with all of the aforementioned paperwork which was sent the same day with a confirmation of fax receipt to their Consumer Contact Department ( Fax # XXXX ) which they subsequently claimed was not received. We contacted TransUnion again on XXXX XXXX, XXXX and were informed that the lien would remain so we mailed in copies of all of the aforementioned documents the same day to TransUnion at XXXX XXXX XXXX, XXXX, XXXX XXXX in order to make an additional dispute request and have the item removed from both of our credit files. 

We have made similar request of XXXX who has refused to update our credit files and they remain as a negative there as well. We are currently in the process of applying for a home loan and are being told that our credit scores will result in a much higher interest rate as a result of the tax lien which should have been removed. We have no other negatives in either of our credit files for the past 10 years. 

XXXX is the only credit reporting agency which timely removed the withdrawn tax lien from both of our records. To date the disputed item remains on our report with TransUnion and 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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed this account on my credit report with Transunion only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Transunion. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.

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 2016-04-29
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank charged me XXXX in overdraft fees for a XXXX overdraft. I do admit it was a mistake on my part that this happened, and I have no issue paying XXXX charge, but XXXX is very excessive. This is un fair. I could have got a payday loan and payed way less. This is predatory, and unethical. I am on a fixed income, and this is causing me a major hardship. I explained this to them and they said they will not do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Alliance One, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a XXXX through a company called XXXX XXXX and made initial payments through them. They went out of business so my payments went to the supplier XXXX. They contacted me and indicated that due to my insurance change they needed my updated insurance information, which I provided. I monitored my billing through the XXXX billing portal and it showed a balance due of {$180.00} with a due date of XXXX/XXXX/2015. I paid that in full on XXXX/XXXX/2015 and since that time my account has shown a {$0.00} balance, so I assumed I had paid off the device. I found the item on my credit report in collections even though my account had shown a {$0.00} balance and the company stopped billing me all together. I have several screen shots showing this through XX/XX/2015. I am now being contacted by a collection agency called Alliance One about the debt that was paid and no longer billed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: J J Marshall & Associates, Inc
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I attended XXXX University from XXXX, I got financial aid to help pay for tuition and stuff. XXXX issues students debit cards to load the unused balance from the student loans into the card. I decided to not attend school anymore and dropped my classes. Last year I got a letter from XXXX saying I owe them over {$3000.00} for the renaming portion of my loan. I lost my debit card soon after I dropped my classes and I never took the or received the {$3000.00}. I tried to explain that to XXXX and they told me too bad and referred to a collection company. I disputed the debt with the collection company and the collection company could not verify the debt and stopped collection activity. It 's been a few months since they could not verify the debt and now I get another letter from a collection company stating I owe the debt again and if I wanted to validate the debt I can but a lawsuit will begin if I ask for validation again. I was under the impression that once the collection company can not verify the debt all collection activity stops. Am I wrong? What do I do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Account owner died and Bank of America is making it difficult for the executor of the estate to collect the funds from the deceased money market account.

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 2015-05-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
the Credit Reporting Agencies are showing a judgement for treatment at XXXX. I have NEVER been treated at XXXX ( XXXX ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is an account listed in collections with XXXX for {$130.00} that has no company name or contact information listed. They list it with account number XXXX. Date opened XXXX/XXXX/2016, last updated XXXX/XXXX/2016. I have no idea what this is and who is responsible for placing this on my credit report. In comments it states " Medical ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TekCollect Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Tek-Collect, Inc and XXXX XXXX, Initially disclosed the wrong amount and date of the bill, and while I was verifying the amount with my dental insurance company sent this to Tek-Collect , Inc., a collection company with a very poor reputation. When I tried to pay the amount owed, I was told I could not. When I contacted Tek-Collect, I was told by the representative and supervisor that they would rather have this on my credit report to harm my credit, than actually receive the money. This is REPREHENSIBLE!!! These collection companies are more interested in harming consumers than receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This original credit card issued through XXXX XXXX XXXX account # XXXX in the amount of or close to {$90000.00}, has had no correspondences, payments and or activity on it in more than 6 years and the time statue in Ca at this time is time should qualify for collection agencies listed below NOT to be able to pursue any legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-02-22
Company: City Enterprises, LLC
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We have XXXX different loans with Tower Loan - XXXX with the office in XXXX, MO, the other with the XXXX, MO office. We are in financial trouble and I sent both a letter last month that we have hired an attorney to explore our options. It states to contact the attorney and not us. XXXX was the first month that we did not make a payment. The XXXX office sent us a right to cure letter, the XXXX office is calling us multiple times per day and threatening to take the collateral from us. The manager XXXX yelled at my husband.

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 2022-11-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-06-01
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt in question is in dispute, and according to the Fair Credit Reporting Act, National Credit Systems , Inc. has stated they reported this debt to all XXXX credit bureaus in the latest letter we received. Once more, we gave evidence to show them per their request, the issues surrounding our " special '' circumstance as to why we no longer live at the address in question. Instead of handling and actually looking into the matter, we got a " robo '' letter with changed dates from one of their many locations of their company sent to us with the same explanation as to how they do not see sufficient evidence to validate our claim. I believe we are fighting with a computer and not an actual company. I believe now I am going to have to fight back and take action, and I am beginning with you. They must comply with the Fair Credit Act and take us off the credit report. It is against the law when a consumer is disputing a debt to still report a debt. I am sure the fines they would get from the government for this would outweigh my debt tenfold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Scott Lowery Law Office, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX 2016 received a letter from XXXXScott Lowery P.C with alleged amount of debt of {$4600.00} I owe XXXX XXXX and XXXX. Checked my credit report and didnt find any of them there. On XX/XX/XXXX2016 sent XXXXScott Lowery P.C notirized letter of demand for validation. Certified mail indicates it was received by XXXX XXXX on XX/XX/XXXX2016. Havent received anything. But XX/XX/XXXX2016 ( sunday ) a courier called me and handled me summons for court. Tried to contact XXXXScott Lowery P.C ( XXXX XXXX, # XXXX ) to find out what 's going on. Left voice messages. No answer. XXXXScott Lowery P.C sent me new paperworks trying to get me signed. Have copies of all paperworks.

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 2016-02-17
Company: Forthright Funding Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law.

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 2015-09-22
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA

Company response to consumer: Closed with explanation