BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im in the process of buying a home, and searching my credit bureau I found a collection debt not belonging to me. I contacted the debt collector and verified I was not the correct consumer owing the debt and they agreed. I requested an email for my lender, clarifying the error, and they rudely responded they will not do that. I am not in their computer, nor am I customer. The then stated to figure it out with the bureau and hung up. They have knowledge of the account not being mine, yet they updated the large debt a few days ago on my credit report as being my debt. This erroneous or fraudulent report has caused my score to drop drastically, as well as halt my home loan completely. All my lender needed was an email stating that in fact it was not my debt, and they could continue the process. They knowingly pushed me away, after negatively reporting on my credit, and refused to correct the issue or attempt to make it right, and prevent me from suffering further undeserving derogatory credit. Without the debtors letter confirming Im the victim, I have no official proof or documentation to show the bureau and have it removed. Its in my opinion bad business practice to report erroneously on ones credit, and turn their back on the innocent victim instead of admitting the mistake and correcting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Investigation took more than 30 days

Complaint:
The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, XXXX and Transunion credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).

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 2020-04-23
Company: CITIBANK, N.A.
State: MA
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:
Citibank, credit annual membership fee of {$50.00} charged. I paid it on XX/XX/XXXX. They claim I was 3 days late. Rarely use the card. they charged a late fee of {$29.00}. They then charged a late fee on the late fee of {$30.00}, giving a total owed of {$59.00}!

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 monetary relief
Consumer complaint received 2021-07-26
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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. 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 explanation
Consumer complaint received 2022-06-20
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 have on several occasions disputed the validity of the Bankruptcy on my TransUnion report. I submitted dispute in XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See Attached. Therefore, they have violated my rights as a consumer based on 15 USC 1681c that states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also Section 623 ( a ) ( 1 ) ( A ) of the FCRA provides that a person shall not furnish information relating to any consumer to consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Also in section 623 ( a ) ( 2 ) of the FCRA provided that a person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnsihed to a consumer reporting agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Consumer Financial Services Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail stating that I have outstanding credit card debt and that I need to set up a monthly payment plan. They claim to be a collection agency. I currently have no debt that is outstanding. This is the companies information : Department of Settlements XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Since mid XX/XX/2022, all attempts to have Equifax Information Services, XXXX, XXXX XXXX # XXXX, include in my Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card for with I am an authorized user have been abortive. Equifax did add XXXX of the XXXX XXXX XXXX XXXX in question, but has refused to add the other { see attached copy of cards ). Equifax added XXXX XXXX # XXXX ; but refuses to add XXXX Credit Card # : XXXX I've XXXX XXXX XXXX requesting XXXX to justify, legally, why they keep refusing to add this account and avoid legal justification. XXXX added both accounts ... why not XXXX? Also, once I pushed and became less diplomatically, XXXX retaliated by contacting XXXX, opened an XXXX Credit Dispute without my permission and without my knowledge, which is an illegal act. XXXX had the brilliant idea of investigating and verifying that XXXX XXXX Account # XXXX IS NOT IN MY XXXX PROFILE! I never told XXXX that it was, I asked XXXX to please add it. Maybe XXXX Customer Service Representative are not English speakers like their Call Center employees { based in XXXX, or some other weird country }. When I requested XXXX to justify how the verification was done, they took vengeance by telling me that they did not know who I was and to provide an encyclopediatic amount of paperwork. XXXX wrote that their " information '' does not match mine ONLY after I started questioning them. I will file a complaint with my DOJ, Attorney General, the XXXX, and review my legal options

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In 2005 I was approached by a man by the name of XXXX XXXX, told me he was working with a team of people that wanted to help lower income families create a stable environment .for family. He said they could help me get a home. Shortly after that I met with XXXX 's business partner XXXX XXXX. They assured me that I was in good hands and they would take great care of me. At that time I was XXXX years of age just moving from XXXX to XXXX and working at the XXXX XXXX XXXX XXXX. I was very naive and needed someone I could trust, I thought, " this is what I 've been asking XXXX for! '' The two men begin taking me to see homes, they showed me three homes but were very persistent on the house on XXXX XXXX. I decided to get that one. We closed on the house and I received my keys ... days later I begin to see that the work that was completed on the house was cosmetic. Plumbing went bad and had to be replace throughout the entire home.Floors were rotted out and had to be replaced and the electric had knob and tube wiring and needed to be replaced throughout. I also needed a brand new roof and the house had no insulation. I contacted XXXX and XXXX, they promised to return and make things right but never made good on there promise. When all that occurred it made me curious so I wanted to know more about the guys that I should not have trusted. I found out that the house was actually for sale for {$23000.00} they sold the house to me for XXXX. I was beside myself and very angry. the home was foreclosed on and went to the tax sale were I was able to purchase it for the taxes. I own the house out right but I still have that loan on my credit, which has basically ruined numerous opportunities for me to better myself and move on in life. This loan has with out question hindered my life! 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 2017-08-22
Company: EQUIFAX, INC.
State: MS
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:
Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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 XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD bank has frozen my business bank account today XXXX for no justifiable reason. They say I deposited a fraudulent check for {$5000.00} at an ATM on XXXX, which I know is not true, the check is from my brother. He since has contacted his bank and there were no issues on his end. I do not believe it is legal to freeze ones account without a court order or atleast a justifiable reason. There is no evidence of fraud, I have been conducting business as usual. 

I have contacted TD fraud department and they insist on keeping my account frozen today despite the fact they are costing me money and damages by not being able to carry on my companies duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Adler Wallach & Associates, 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: Account information incorrect

Complaint:
AWA COLLECTIONS, ACCOUNT NO. XXXX A COLLECTOR FOR XXXX XXXX XXXX XXXX IS DESPITE MORE THAN 10 INVESTIGATIONS THROUGH XXXX  HAS EITHER VERIFIED OR CERTIFIED THAT THE INFORMATION IS CORRECT. 
THE ACCOUNT HAS BEEN RE-AGED, A SERIOUS INFRACTION OF THE FCRA FOR EXPERIAN AS WELL AS THE CREDITOR.THE DOFD IS DURING THE MONTH OF XX/XX/XXXX AND AS SUCH SHOULD HAVE BEEN REMOVED FROM THE CREDIT REPORT BY XXXX. 
XXXX HAS NOT TAKEN THE RE-AGEING CLAIM SERIOUSLY SINCE THEIR CREDITOR CUSTOMER AWA COULD NOT POSSIBLY PROVIDE FACTUAL UNFORGED INFORMATION TO SUPPORT THE DOFD CLAIMED OF XX/XX/XXXX. 
BOTH THE BUREAU AND THE CREDITOR TODAY STAND TOGETHER IN SERIOUS, FLAGRANT DISREGARD AND VIOLATION OF THE FCRA. 
I HAVE PROVIDED THE ARREST RECORD, FILING DATE OF THE CRIME FOR WHICH BAIL WAS PROVIDED BY XXXX XXXX XXXX, THE ORIGINAL CREDITOR, OVER 7 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was told today by an apartment company that in my background there were two dismissed evictions. I was never informed of this before. They said it was from XXXX and XXXX. I continued to live at that apartment complex until XXXX of XXXX. I had been told by the real estate company XXXX XXXX XXXX XXXX in XXXX, PA ) that they had dropped everything and that wouldn't be showing on my record due to the nature of both of those situations. The one in XXXX I had been discriminated against at my current job and was suspended for three months for " aggressive pointing '' ; I have paperwork backing all this up along with a right to sue letter against my employer. The one in XXXX I had to have an emergency XXXX and was illegally docked by my employer ; I also have evidence backing this up too. I do not understand why these are coming up and when I called all the credit company that the apartment company went through ( TransUnion ) they stated they saw nothing on my record about dismissed evictions. I don't know who else to turn to since I am running out of options for places to live because I am currently fighting my current landlord about multiple violations and the health department is involved attempting to make him work on the house I am living in. But the conditions are extremely unsafe and without heat. Any assistance is appreciated. 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 2022-06-20
Company: Grain Technology, 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:
Grain Technology. Grain provides a revolving line of credit that you can access through your existing debit card without issuing a card. This approach empowers you to use what you need for your day-to-day, builds good credit in the process and ultimately, gives you more ownership over your credit. 

What this company does not tell you is, how they are keeping personal information and not allowing you to pay your credit bill. This company has kept over 100 people personal information including, SSN, Addresses, DOB, Bank Accts and most of all dropping individuals credits tremendously. I have requested to make a payment to this company & I was blocked. Grain will kick people out of the system by unlinking the bank accts to make payments and drop the customer 's credit point. I was able to reach my 700s and Grain has dropped my credit to 500s. I am in emotional distress. I have tried to talk with serval people to look into this matter. This is one company that does not need to go any further in life. Lying to people just to make living bad. I have a growing business and tried to apply for a XXXX XXXX and was advised of what Grain has did. I am not unable to have a business credit due to this matter also. Please look up this company. Taking people information and blocking people to have access to their personal life information is the worst a company can do. Compromised my personal information! 

I have been locked out of my acct for 6 months. This company continues to report missed payments. This company will block you and have your credit score drop, DUE TO THEIR LIES!!! 

I believe that the company will retaliate against me for submitting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Balance Transfer submitted back in XXXX and still not applied to account. Amount still showing on statement. Company wo n't produce proof that payment made to XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday since XX/XX/2021 I have been called over 4 times a day by Midland Credit. The calls begin promptly at XXXX when I am taking my child to school to continue through out the day. I have blocked them every time but they spoof their number and keep getting through. I have asked them to no longer contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Driver Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a company called Driver Solutions Inc. They are a company that sponsors XXXX students to get loans to complete XXXX XXXX. 

I was making payments on my loan while I was working. I no longer have a job and I am struggling to keep a roof over my head and food on the table. They have been made aware that I do not have employment and I can not afford to make payments. 

They still want a loan payment no matter what. 

Part of the reason that I can not get a job is that the first company I drove for called XXXX XXXX won't answer the phone for prospective employers to verify that I worked there. XXXX XXXX is the company that linked me to Driver Solutions. Thus leaving me without a job and harassing phone calls. 

They repeatedly call me ALL DAY LONG. They leave voice-mail after voice-mail after voice-mail... .and now They have started calling the emergency contact numbers from my file. So not only are they calling me multiple times a day but now they are calling my emergency contacts multiple times a day. 

My emergency contacts are listed in case of AN EMERGENCY. I've gotten several panic phone calls with people wanting to know if I am ok because these people keep calling them. 

This is harassment for money. It's stressful enough not knowing where my next meal is coming from but now this company harassing me about money I can't give them. I can't give them money because I can't get a driving job due to their co-company not answering the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
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:
No answers nor responses and Bankruptcy was NOT removed off ALL my credit reports.

Company response to consumer: Closed with explanation