BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

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 2018-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All accounts with XXXX should be deleted. I have attached the XXXX  forms fro all my XXXX accounts.

By law accounts given XXXX  can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX  Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated 1XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like the company PNC to take my claim regarding account number XXXX seriously. I would like your agency to know that I started disputing this account in XXXX last year. I sent a certified letter directly to PNC regarding my concern with this account. I made sure that I was very detailed with my request for the original paperwork on file. The main reason why I requested this account information is because of an instance where someone used my information previously and I am going through my affairs to verify I understand the details of the XXXX account with PNC. For the past few months, I requested the original paperwork 2 additional times and I am not getting any response from PNC. There is no excuse clearly PNC is not cooperating regarding my concern. I no longer have a choice but to file this complaint in the hope of getting all the paperwork sent to me. I would like to thank you in advance for helping me in this matter. Again, I am requesting the original signed agreement for this account. I am requesting the copy of signature, terms, and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 explanation
Consumer complaint received 2020-06-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I see no record of payments made to XXXX XXXX in XXXX, XXXX, XXXX on my mortgage. 
Now the new holder of mortgage is attempting to collect {$42000.00} which has already been paid. 
XXXX went to XXXX and XXXX went to bankruptcy. I tried over the years to get info from XXXX with no success. Shellpoint Financial just picked up my mortgage in XXXX from XXXX, so XXXX has completely disappeared and XXXX disappeared with no record of my payments. I filed a claim against XXXX during bankruptcy, but the new company is totally ignoring my dilemma, saying it is overbroad. ( Shellpoint ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NV
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:
Several account are reporting on my credit history that I have never opened or given my authority to run my credit for these accounts

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being pursued in collections by a debt collection company. the company is attempting to collect on debt that i did not incur. i was pursued in a collection action for an amount that was greater than 20 % than the amount that was charged off. The collection was increased with multiple unlawful fees, penalties, and other administrative costs. I am unfairly contacted at all times of the day in an uncivil attempt to remind and collect on debt that was not lawfully incurred. some of the debt approaching seven years old does not pass the time bar on the statute of limitation for debt collections. I am trying to settle with the law firm that is pursuing the attachment in courts and they are unwilling to settle only attempting to draw out and prolong an already unfair and pumped up debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
last XX/XX/XXXX, my debt card and pin # was stolen, at this time, people had been stealing card numbers and pin numbers extremely bad that it had caught the news attention. I filed a police report, fraud report with the bank. I was told that they would put a freeze on my account and stop my direct deposits from my employer. If they could n't catch the deposit from entering the account, I could come up to the branch once it cleared and receive my payroll deposit until the investigation was cleared. I came to the branch and was told that it was put toward the negative balance. I received a letter about a week later that because I was negligent in losing my card, I was responsible for the debt. TCF allowed 2 fraudulent checks to be cashed against my account, mind you, I did n't even have the money to cover the checks that was cashed to my account. That 's where I 'm still lost, how do you allow a check to be cashed with the money in the account and not allowing an out of state check to clear to make sure that it is a legit check? 
Also, through the police investigation, they have photos of the criminals and the bank knows that it is not me or my son, we had to submit photos. not only was my name on the account, I had a son in college that was on the account as well, so I could send him money throughout the month for his expenses. I have fought this for almost a year. 
I 'm so upset about this because not only ca n't I or my son get accepted in a credit union because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$110.00}

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX  NOR TRANSUNION, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-04-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Weinberg Mediation Group LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by Weinberg Mediation Group with a recorded message insinuating that legal action was pending against me and that the " authorities '' in my " jurisdiction '' would be notified that I was uncooperative with efforts to resolve a " legal matter ''. The intent of the message was clearly intimidation and left the impressive that I would be in serious legal trouble if I did n't not make an immediate payment to this company that I had NEVER had any previous contact with. 

I made a call back to the number that called me and my spouse spoke to a woman who refused any information and stated she did not have to verify the debt, that it was my responsibility and when asked that they contact me only via USPS she disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Per FCRA, I am requesting the method of verification for nine accounts there were previously verfied. Per FCRA i have requested method of verification and procedure used to verfiy. This is my right per FCRA 611. Anyone can say verify with no back up proof that the FCRA rules were followed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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:
Credit check to the XXXX XXXX Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.

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 2016-02-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent a wriiten letter to the corporate office of 1st financial loan asking them not to contact me because they were calling three to four times a day six days a week. They continue to call me from different phone numbers some just hang up oncethe call gets answered by my voicemail. Today on XXXX/XXXX/2016 I received a call from XXXX which left a voicemail saying it was from corporate office asking me to call them about some appointment that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Waypoint Resource Group, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received a derogatory mark on my credit report from Collection Company Waypoint on the behalf of XXXX XXXX XXXX. 

After making multiple attempts to contact XXXX. I finally received an answer that the derogatory mark was due to an account that has not been paid, totaling {$140.00}. The account was transferred to the owner of the home XXXX XXXX without my permission and I was unable to access the account. 

I do recall calling XXXX and them denying me to access the account to make payments or transfer account. 

A XXXX representative stated they have no records of the account other then a debt is 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 2022-01-21
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I attempted to access the funds that were deposited to my account in the amount of {$1800.00}. I was unable to access my funds and contacted the bank. They informed me my account was being closed and I would not be allowed access to any of my funds. 

I was provided no advanced notice and was not contacted in advance that my account would be closed. In my attempts to get more information no one was able to provide me with any details other than the bank would not allow me to access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accepted an offer for an Aspire Credit card in XX/XX/XXXX. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed. 

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX ANNUAL FEE {$120.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account. I communicated to the lender asking them to refund or close the account. They have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MO
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 am submittin this CFPB Complaint to follow up the most recent CFPB complaint I submitted last XX/XX/2022. The Credit Reporting agencies have failed to comply with the Federal statute and continued reporting the disputed items wihout sending me copies of proof of verification. This action of the Credit Bureaus is a clear violation of a consumer 's rights which is protected by the Federal regulation. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good afternoon, My credit score went up 70 points and then went down 70 points due to my credit card usage percentage. I have already fixed that problem. The card usage is below 40 %. Please readjust my score to reflect back to the XXXX score.

Company response to consumer: Closed with explanation