BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
My Complaint against XXXX XXXX XXXX, was also sent to Trans Union. 
Trans Union received a false collection account report from XXXX, about my no contract, pre paid internet and residential phone service, which simply requires the month to be paid in advance. Today, Saturday, XXXX XXXX XXXX, just minutes ago, I received the Trans Union XXXX XXXX by regular mail from Trans Union about this complaint I filed against XXXX XXXX XXXX. I disagree with Trans Union, because they wrote on page 5 of their Investigation Results included, and I quote : " Was a Collection. '' Trans Union did not sent their investigation results to the C.F.P.B. or through the C.F.P.B.

But no, it was not a collection. It was paid in full as this results say. But I do not had to pay {$120.00} to use this pre paid without contract service, never, the XXXX Kiosk Payment Receipts included, the kiosk is their self service payment machine located at their stores, clearly shows 3 receipts from the year XXXX, XXXX that I paid with {$45.00} cash, because their Kiosk does not return change, and one paid by credit card for the amount of {$44.00}, which was the amount usually paid, XXXX dollars with cents. Dates of the receipts are XXXX. XXXX XXXX, XXXX XXXX XXXX, and XX/XX/XXXX. 
Again, I had to pay before the next month of use, if not, service was deactivated without penalty. I had no problem with this kind of service with XXXX XXXX for my cellphone, that I use since years ago. They always sent a Thank You message for pre paying the next month, because there is no obligation for me to continue, if I stop paying is not a collection debt, it does not change to a collection debt, because there is no contract and what I accepted was a pre paid service, just as I did with XXXX. 
XXXX XXXX respects the original agreement, unlike XXXX, who at some point and without any notice to myself at all, changed it. Nobody accumulates months of debt under a pre paid no contract service, the service is simply disconnected for the next month we never used, because we decided not to pay that next month, there is no way to use the service until we pay first. At some point XXXX changed this, without telling me at all. I never received XXXX invoices, which were available only logging in to myclaro.com if allowed by them, unlike now, that they eliminated me, I had to download the invoice, but a pre paid service does not require an invoice, they changed the terms without any notice.

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 2022-11-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
When I checked my credit report I noticed that someone has access my personal information. I noticed that I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022. I have no knowledge of what or who this could be. 

Also I noticed employment on my credit report that doesn't belong to me which is 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 2020-09-18
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never paid on this account XXXX / Calvary. The negative information on the account is more than seven years old. I live in Georgia so the negative information is six years. Cavalry has reported the debt as XXXX XX/XX/XXXX. I did not open this account in XXXX. Cavalry is reporting this account as it is open, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
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 have not provided XXXX XXXX XXXX with expressed written consent to share my credit card ( ID, SSN, etc. ) with Experian or any other entity as this is a violation of 15 U.S. Code 1681s-2. As of 7/31/2023 Experian provided me a report that has the account of XXXX XXXX XXXX as " DELETED '', as I will share a copy of said report. I then went to Experian.com to monitor my credit and observed that Experian had unlawfully and in violation of the above code reported the XXXX XXXX XXXX account with derogatory information that has resulted in adverse action in my pursuit of obtaining personal credit lines. 15 U.s. Code 1681s-2 and 15 U.s. Code3 1666a, b are blatantly being violated by Experian. In addition, the reporting of the XXXX XXXX XXXX does not match the reporting of XXXX and 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 2023-10-19
Company: Axiom Acquisition Ventures, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/, I was served court papers of a civil suit claim from AXION AQUISTITION VENTURES LLC to sue me for a debt of {$13000.00}. The debt was purchased from the original creditor XXXX XXXX XXXX XXXX. However, the debt was assigned to a Senior Loss Mitigation Analyst due to insolvency. Once documentation was provided of my Insolvency the ordinal creditor never denied or granted the hardship request. They stopped contact and written the debt off. This is the first instance or knowledge that the debt had been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage payment was constantly changing every year it would increase. Wells Fargo would say I needed additional escrow even when I had changed insurance companies lowering my homeowners insurance rate. I contacted Wells Fargo several times but could never reach resolution so I gave up. I had mortgage from XXXX XXXX XXXX before selling and in that time making over payments each month I barely paid down the principal. I seen that Wells Fargo recently was caught doing illegal practices with auto and mortgage loans and haven't been contacted. I want to know if I'm owed any money from the settlement.

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 2018-08-27
Company: CASHCALL, INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I opened a high interest pay loan with Cash Call. In XX/XX/XXXX and they have marked my account as late on three separate occasions on my credit when I first, requested the pay date be changed so that my account was debited on a different date. The representative asked for all my information. On XX/XX/XXXX and XX/XX/XXXX, those payments were not reflected correctly and caused overdraft fees and late payment on the account. In XX/XX/XXXX, again, they show a late payment when the payment was made on time and reflected one day late. If you note on their terms we have the ability to change that withdrawal date. 
I was not notified that it would not be honored in XX/XX/XXXX. Also, they state in the paperwork that they will notify the persons responsible for the loan if any ACH is not honored so we could have an opportunity to correct that problem. That did not happen on any of the cases. 
I have called, written, spoken to supervisor to notify them and they just respond with a generic letter. 
Therefore, I would not only like my case looked into, but the practices of this company. 
WE are at their mercy to say if I called, or did not call. Perhaps, call logs might be retrieved as my communications have been more than several. 
I incurred hundreds of dollars in overdraft with Cash Call and I should not be marked on my credit report at all when I called to change the ACH debit dates as well as their lack of communication on letters they state were sent. I would like proof of those demands, as that is what they ask of the consumer, proof we paid and when. 
Thank you for all of your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-02-10
Company: LEXISNEXIS
State: AZ
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:
Account name : XXXX XXXXXXXX XXXX US BKPT CT AZ XXXX XXXX XXXX The United States Bankruptcy Court for the District of Arizona does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure " Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, XXXX through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. 

LexisNexis obtained redacted information illegally and subsequently sold the illegally obtained information to Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
Ive just reviewed my credit report and noticed the following inaccurate collection item ( s ) : XXXX XXXX XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.. 
Finally, please remove all non-account holding inquiries over 30 days old, plus delete all late payments and add a promotional suppression to my credit file. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After calling Transunion on XXXX XXXX and speaking to a U.S. Rep in regards to the following inquires XXXX  XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX -- -- - Inquiry from XX/XX/XXXX XXXX XXXX  XXXX -- -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XX/XX/XXXX XXXX XXXX -- -- -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XXXX XXXX XXXX XXXX -- -- Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX I inform the woman that I did n't authorize these inquiries and she stated they will be deleted.I checked this morning and I still have those inquiries on my credit report. These inquiries are really having a negative impact on my credit as I 've been trying to clean this up for months. It take a few minutes for someone to key in my information but this company take me through XXXX to remove something that they easily allowed to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did business with XXXX in XXXX -- they provided me with internet service for a period of several months until I ended my relationship with them. In XXXXXXXX XXXX XXXXXXXX I closed my account with them and returned by mail all of their equipment, using the prepaid label they provided me. They claimed for several weeks that I did not return the equipment and tried to charge me for it. 

I received confirmation from a XXXX representative ( call reference number XXXX ) on XX/XX/XXXX that all equipment was returned to them in XXXX of that year. I emailed their legal team on XX/XX/XXXX to that effect and told them to stop harassing me ; see the attached copies of correspondence. I heard nothing further from them after receiving their reply on the same date ( XX/XX/XXXX ) and assumed the debt was discharged. However, today I received a bogus and entirely fabricated request from Sequium Asset Solutions , LLC for payment of {$320.00} for equipment that I had already returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have been a victim of abused due to discrepancies on my credit report with Capital One Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on XXXX Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from XXXX  I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This Capital ONe Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this Capital ONe credit card account to be removed and deleted from XXXX  Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a US citizen1 year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was called by a fake police scammer that threatened to warrant my arrest or I could pay a fine to go through a process to clear my name. I was tricked into sending about XXXX $ to a XXXX XXXX, and the next day they tried to urge me to send them even more money. That's when I hung up the phone and found out from the official police dispatcher that I was being scammed. I contacted my bank to let them know and I also had filed a report to the Police Department. They called me initially on XX/XX/XXXX at around XXXX and they called me again for this issue at XXXX on XX/XX/XXXX. I am affiliated with Bank of America and they said they were gon na open a fraud case for me and have XXXX investigate it.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-02-20
Company: EQUIFAX, INC.
State: TN
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 submitted XXXX disputes and none of the false account on my credit report have beeen removed ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Their investigation did not fix an error on your report

Complaint:
Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.

Company response to consumer: Closed with non-monetary relief