BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
After reviewing my credit report, I noticed a bankruptcy and a judgment was on my credit report after speaking with the court they do not report to the credit bureau, they are receiving this from a XXXX party therefor should be deleted

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 2022-07-23
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXDept Of Ed Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX/Dept Of Ed Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. 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 2021-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I attempted to access my USAA bank account, and was greeted with a message to contact USAA customer service. It took until I got to an Executive Relations Team before anyone could figure out why, someone had tried to access my account with an invalid password over the last few days. USAA chose not to notify me of this. On to their CEO Resolution Team, I was told the fraud department would look at it ... 2 days later I am still locked out of my account while the fraud department is allegedly doing there thing ... no one knows when or how I'll get back into my account. This happened in 2018, this is the 2nd time USAA has allowed this to happen. In 2018 they allowed someone to take over my entire bank account, they refused to help, they refused to give me any information to protect myself, my financial records, my job or my security clearance. I suspect it was an inside job at USAA - no way this happens to the same person twice. Only after 14  months of constantly calling and complaining did they eventually tell me what happened. The relationship with them has been damaged ever since. I want back in my account so I can pay off credit cards I have with them and close the remaining accounts I have. This bank prey 's on military members by claiming they are for us, however, it is quite the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, 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 instruction

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 2022-07-23
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXDept Of Ed Account # XXXX XXXX XXXX Systems Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. 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 explanation
Consumer complaint received 2021-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is calling me from various numbers, every day. I block the numbers but they call the next day on a different number. Within this month so far I have gotten XXXX calls, I have no debt so I shouldn't be getting these calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
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:
Debt recovery solutions was provided with my bankruptcy attorneys name & contact information on XX/XX/2021 and advised to not contact me any further. On this date Debt Recovery solutions had one debt on my credit report for {$430.00} which was subsequently removed. However, despite the automatic stay granted me by filing bankruptcy, Debt Recovery Solutions VIOLATED FEDERAL BANKRUPTCY COURT LAWS by placing this debt AND an additional debt totally approx {$600.00} to XXXX as well as XXXX  on XX/XX/2021, nearly a full month after having FULL KNOWLEDGE that I had filed for bankruptcy. I was also contacted regarding this debt on my personal cell phone to collect this debt, again, VIOLATING FEDERAL BANKRUPTCY LAWS! This company is known for their illegal attempts to collect monies not owed to them, until they are reprimanded they will continue to act in this manner. If federal laws can not protect citizens from people like this, where are we to seek protection? How many complaints does this company have to have registered against them for their illegal/unethical practices before the CFPB does something about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: NC
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 writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/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 2019-12-22
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a XXXX   dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint concerns Portfolio Recovery Associates, LLC. ( here after referred to as PRA ) PRA hired XXXX XXXX XXXX to sue me for a debt that I do not own. 
I responded to both parties by asking for the information required by the FDCPA to legitimize this debt. The only thing PRA was able to provide me was in house information typed on their own letterhead. This is not sufficient to establish that this account is mine. 
When I disputed this and asked for it to be removed. It was not. ( Please see enclosures ) I asked them to stop all communication unless they could verify this debt with original documentation. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: IN
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:
reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through XXXX with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
JEFFCAPSYS XX/XX/XXXX Account Details Last Reported XX/XX/XXXX XXXX XXXX JEFFCAPSYS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$380.00} High Balance {$380.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have disputed this debt several times through the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: The Bureaus, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Contacted fraudulent party to purchase goods / service. 

Used XXXX to send money to fraudulent party 's account. 

Did not receive goods / service and was not refunded money by party. 

Contacted banking service with complaint and was told they could not refund / resolve issue. 

Filed report with local police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was n't sure how to list this situation. I received a call from one person ( a female ), who refused to identify themselves. They said they were trying to contact me ( using an old name I have n't used in over 15 years ). They said I was going to be served with a debt collection lawsuit, and they could only out it on hold for 30 days if I call another number that they provided, referencing an account number. They did not say they were a debt collector, but that they were hired to track me down. So, I called the number they provided. The person who answered looked up the account, did not say they were a debt collector, and said that I owed money on a bank account ( that I do n't even remember ever having ) from XX/XX/XXXX. They said their attorneys had reviewed the file and said it was able to be collected and they could sue me. The gentleman said that I could do what I wanted. He seemed confused because of the date ( he thought that he could n't collect anything before XX/XX/XXXX ). He said he would have another area review it again, but notes said it had been reviewed and approved by the attorneys. I told him I do n't remember any bank account with that bank and that it seemed odd. I have never received any letter from this company or about the debt they say I owed. 

Also, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. All debts I was aware of were listed on the bankruptcy filing. 

The tag team method of collection is disturbing. Threatening a summons immediately if I did n't call a second number seems shady. The first caller having or providing no real information on what was going on, only telling me to call a second number, seems not quite right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was used in XXXX to form a company and fees were paid for their legal services. In XXXX they were notified that the company was no longer in business and their services not needed. The notification was by phone, email, and on the web site. In XXXX and XXXX they continued to charge my credit card for " annual fees '' despite repeat requests to cancel the charges. Refunds were requested with no response. I had to cancel the credit card to get them to stop. I then stopped hearing from them. Then in XX/XX/XXXX I received a collection letter from Caine & Weiner stating they were looking to collect {$390.00} on behalf of XXXX XXXX. They are trying to collect a debt for NO SERVICES.

Company response to consumer: Closed with explanation