BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried several times in the past two years to clear up a bogus delinquent account and gave up in frustration with getting the corrected in the credit reporting agencies! I tried again just this week and again I am blocked at step one, verification of identity! Their procedure is so arduous that no normal person can complete it! 

I have completed the forms online, only to be faced with a gauntlet of loan questions about venders going back TWELVE YEARS! Who remembers lenders from that far back?! Of course, that failed, as was clearly intended so on to second step, where I submitted photos of Drivers License, Social Security card, and auto insurance statement that too was rejected, with no reason given! 

Finally called them, went through the who thing again, and finally said my credit details would be sent to me, great! But all I got in the mail was a postcard telling me AGAIN that I had not provided sufficient identification information, PLEASE START THE PROCESS OVER! By sending all the information to them by mail, BUT THEY DID NOT PROVIDE ANY ADDRESS, CONTACT OR REFERENCE NUMBER to allow me to do that!

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 2023-09-12
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: Account status incorrect

Complaint:
Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from Experian, XXXX and XXXX dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being.

Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ Experian, XXXX, XXXX ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting.

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries.

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law.

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened a XXXX saving account with Capital One with a promote code XXXX. If we deposit {$20000.00} with in 15 days we will receive {$300.00} dollars bonus. 
After opened the account we deposited {$1000.00} and contact Capital One 360 Saving to confirm the bonus of {$300.00} before we deposit {$20.00}, 000, and Capital One 360 Saving denied the bonus. So we decided to close the account. 
On XX/XX/2023, we withdrew by making a transfer of {$1000.00} from our Capital One 360 Saving to our XXXX XXXX XXXXXXXX account ( the account is already in Capital One 360 Saving record ) in order to close the Capital One 360 Saving account. But the Capital One refused for us to withdraw and transfer our money back to our XXXX XXXX XXXXXXXX account. 
On XX/XX/2023, we contact Capital One 360 Saving to request the withdraw/ transfer, Capital One 360 Saving still refuse to pay us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft due to my mother opening XXXX credit card accounts XXXX is Capitol one and the other is XXXX XXXX. I recently learned that my personal information was used to open XXXX accounts I did not open or authorize these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 am reaching out to Bank of America about a charged account on my credit profile. I am aware that to make this account charged off, you all had to write off this debt to have the account listed as Charged off. Upon looking at my credit report, I see that {$660.00} dollars have been written off. Because of this, I am asking that Bank of America provides me with Form XXXX to prove that you all have in fact written this account off. I am requesting that this form is submitted within 15 days. If you CAN NOT submit this form proving that this account is in fact charged off, I am demanding that you promptly delete this account. If you fail to comply with any of the requests that I am asking, I will not only hold this company accountable for tax fraud, but also proceed with filing a lawsuit. 


Account number : 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 2023-11-02
Company: W&A Intermediate Co., LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My credit report has been hurt because of this, and I need a position and better help from XXXX since the service covers me and the charging as the report on my credit score is unfair and is prejudicial for me because they never submitted the claim through the insurance company and even acknowledge me before submitting through the collection debt company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.

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 2023-09-04
Company: EQUIFAX, INC.
State: AZ
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:
DEPT OF EDXXXXXXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationstar is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any of this inquiry.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following 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

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 2023-10-25
Company: Experian Information Solutions 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:
I am writing to address a concerning matter related to an account listed on my credit report, which has far exceeded the permissible reporting period of seven years. According to the FCRA, this account should have been removed from my credit report long ago. Furthermore, it has come to my attention that this account was paid in full following a settlement, and the company has neglected to send the required 1099-C form, which constitutes a violation of tax reporting regulations. I am compelled to demand the immediate removal of this account from my credit report due to these apparent FCRA violations. This matter has been raised with your organization through a letter sent five months ago, yet it appears to have gone unanswered. I want to emphasize that each FCRA violation carries a potential fee of up to {$1000.00}, and I am fully prepared to seek legal action should this account not be removed within the next 30 days. Please see the attached dispute letter which is dated and time stamped. Remove the following account from my credit report 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 explanation
Consumer complaint received 2023-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting a delinquency from Portfolio Recovery. The first day of delinquency is incorrect. The information is old and should be removed, however XXXX system will not allow me to dispute it. Portfolio Recovery has not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my husband was killed in the military, leaving our daughter and I, I used his life insurance to buy a house for us. I was the victim of predatory lending, the company that did my mortgage is under federal indictment and all the people doing loans there are in jail. They forged my signature on documents and lied about me having a job and the rates and terms i agreed to changed on the final documents. in XXXX my daughter was XXXX and I had to close down XXXX that I had opened the previous year and lost all my investment. The mortgage company at the time : XXXX, illegally foreclosed on me and I got a judgement in my favor. I then applied for a modification and kept getting denied for lack of paperwork. Finally I had all the paperwork right and they sold the loan to XXXX. Went through the whole process with XXXX for literally years. Constantly having an issue with something in my loan modification packet. Finally got it all done and it went to the underwriters and a couple of weeks later they told me " it all looks good, just doing some final package information '' then they sold my loan to Nationstar. In the mean time I am not allowed to make payment and fees and late charges etc. are over {$100000.00}. My original loan amount was {$630000.00} and now my statement is saying my original loan amount is {$700000.00}. Nationstar makes me go through the whole process again, I keep having paperwork issues, they have XXXX different files on me and my paperwork was n't being sent to XXXX, so they could never find it all. I have requested my phone and e-mail to receive a copy of all the fees and charges on my loan and a copy of the original deed and they have all said, yes they will send it and I have never received anything.. as of today, I have been denied a modification again, based on income and they did n't have my income correct when I asked, they say I owe {$400000.00} on top of my {$700000.00} which was originally {$630000.00}. Without being able to afford a lawyer, I have no way to get them to give me the information I need and no way to hold the Banks and the lender accountable. This is the only home my daughter has lived in and she needs consistency, my only financial security was my investment in this house and took all of my husbands life insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
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:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My letter sent certified mail on XX/XX/XXXX was delivered and signed for on XX/XX/XXXX. I have requested validation of debt, and to this day have not received this from the company. I was then forwarded a judgement from XXXX XXXX XXXX that I never originally received. This judgement was sent to an invalid address and has an invalid employer listed to " garnish my wages '', therefore this is an invasion of my privacy pursuant 15 USC 1681 384.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ProCollect has created a new collection account for an account that was paid in full. 

The facts are as follows : 1. ProCollect collected money from me, {$70.00} [ {$63.00} plus a {$7.00} collection fee ) ( see attached ), for a debt that had been paid ( proof of payment attached ). 
2. On XX/XX/2023 ProCollect apologized for any " misunderstanding '' and issued a promise to delete the letter ( see attached ). 
3. On XX/XX/2023 ProCollect reported that I owed {$500.00} to a company named XXXX. ProCollect never sent any correspondence attempting to collect a debt from this creditor. The first knowledge I had of the debt was an alert that I had a new collection on my credit report. 
4. XXXX ( aka XXXX XXXX XXXX XXXX ) is a security deposit alternative in which property management companies enroll their tenants. 
5. I have never done business directly with any company named XXXX XXXX. 
6. I paid all balances upon moving out of XXXX XXXX ( the apartment community ). 
7. ProCollect had two accounts : one for {$63.00} ( XXXX XXXX as the original creditor ) and the other for {$500.00} ( XXXX as the original creditor ). 
8. I reiterate : I paid XXXX XXXX {$560.00} at move-out. 

Questions : I am not understanding why I would owe XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) when I paid all of the charges to XXXX XXXX ( the apartment community ). Why is XXXX charging me {$500.00} when I paid XXXX XXXX an extra {$500.00}? What is the {$500.00} for? Did XXXX pay XXXX XXXX {$500.00} on my behalf? If so, did XXXX XXXX ever send the {$500.00} payment I remitted to them to XXXX ( XXXX XXXX, XXXX )? Did XXXX XXXX get paid twice for the same charge? 

It appears as if XXXX may have paid XXXX XXXX {$500.00} and then tried to get the money back from me when in fact, XXXX XXXX had already been paid in full thus no reason for XXXX ( XXXX XXXX XXXX XXXX ) to have paid anything to XXXX XXXX on my behalf as a tenant. 

Lastly, notice the date toward the right of the close-out report. This account was satisfied in a reasonable length of time before it was handed over to collections in XXXX of 2023, as learned from the last CFPB complaint I made a few weeks back.

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 2023-12-13
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:
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. 

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