BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MD
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:
In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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: Investigation took more than 30 days

Complaint:
I disputed two items on my TransUnion, XXXX and XXXX credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to TransUnion, XXXX  and XXXX, on XX/XX/21.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2017-05-16
Company: Receivables Performance Management, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is with  XXXX  and  XXXX   XXXX   XXXX . In  XXXX    XXXX   I signed up for the Unlimited Data and  XXXX   XXXX  promotion for my family. The advertised Poster and the sales person ( at the  XXXX  WV  XXXX   XXXX   XXXX  ) office told me that it was a bundle. Super! This means I save money and billing is easier. Or so I thought!  XXXX   XXXX   XXXX  over billed me 3 times, this is n't my complaint as they did correct it all three times. I paid for the bill  XXXX   XXXX    XXXX  . In I had received a bill from  XXXX . I called  XXXX   XXXX   XXXX  and asked why they were billing me for a bundle in which I paid via  XXXX   XXXX   XXXX ? The price was set as per the poster and I paid the per line fee for unlimited data, talk, text and DirectTV. I was told that this was an issue and to keep paying my  XXXX   XXXX   XXXX  bill as I had been.     I called a   XXXX   after getting another bill this time it was n't until  XXXX . The customer service agent said she did n't see me on a bundle. She said the promo was going poorly and they had several complaints just like mine. She then offered to set me up with  XXXX  on it 's own. I said, '' no, If it 's not bundled and I am not getting that deal then I do n't want it ''. I told her I was sorry but  XXXX   XXXX   XXXX  and  XXXX  had not lived up to their end of the contract and broke the deal I agreed to therefore, they could take everything back.     I then contacted  XXXX   XXXX   XXXX  and changed my plan. I sent back the receiver to  XXXX .  XXXX  months ago I got a collections letter from  XXXX  for collecting my  XXXX  bill. They are saying I owe them for services from  XXXX  for monthly services as well as an early termination fee totaling - {$590.00}. I paid the advertised and agreed upon price to  XXXX   XXXX   XXXX  for phone service and  XXXX . I do not owe DirectTV. They need to check with  XXXX   XXXX   XXXX  to get their money, not me!     Sending me to collections is only further hurting my credit I have been trying to repair since a divorce. I have tried to correct this matter on my own by mailing a letter to the collections agency and they contacted  XXXX .  XXXX  decided that the charges were still valid. I disagree. They did not live up to the deal on which I signed up for. And the early termination fee is outrageous! They did n't hold up their end of the contract so I opted out. If they had been upfront with the product I would still have DirectTV today and probably past my two year contract.

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 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have asked Transunion to remove the inquiries from my reports that do not belong to me. It was proven that a gentleman at a dealership that i went to was doing fraudulent activities and used my credit. I have Sent in all verifying documentation to transunion and they refuse to acknowledge or remove this inaccurate inquiries.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to 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 2023-05-19
Company: The Best Service Co.,Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency : The Best Service Company, XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX My complaint is both against XXXX XXXX XXXX XXXX and The Best Service Company I orginally had a checking account with XXXX XXXX XXXX XXXX. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to XXXX XXXX XXXX XXXX by electronically depositing funds to my account. XXXX XXXX XXXX XXXX was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. XXXX XXXX XXXX XXXX stop accepting my deposits and turned the account over to The Best Service Company and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX  XXXX bankruptcy.

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 2023-02-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of fraud and Identity theft. The dealership and agent ( XXXX XXXX XXXX XXXX XXXX ) who financed the loan took advantage of my Identity Theft issue putting me into a Predatory Loan, by falsifying documents and committed Bank fraud when my application was submitted. Violating 15 U.S. Code XXXX. Advertising of down payments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
They sold my old vehicle which had equity and taking down payment cost. The agent sold my identity, put me into financial hardship, and pocketed some of the Down payment cost that should have went towards the value of the vehicle. The agent was later fired because of his unlawful practices. I tried talking to the bank and dealership about this situation but keep getting the " run-around ''. 

Someone had supposed to had called me and discussed other repayment options, and never responded back. Instead, my car was put into repossession status, and charged off for the Original Loan Balance. it also appears non of the payments made towards the loan went towards my principal amount and the Original Loan balance still remains after making payments for nearly two years now, as I try to negotiate other options with the lender.

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 2023-05-19
Company: BROADVIEW MORTGAGE CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened the XXXX XXXX XXXX  account I signed a blank XXXX screen to open the account. The bank is stating that I signed up for the courtesy pay program and I did not and would never sign up for something like this. I have never had an overdraft and do not sign up for things that incur fees. I have 4 accounts that appear linked on mobile banking and receive notifications about withdrawals and deposits along with statements all the time. I received nothing about this account being negative until XX/XX/XXXX when there was already {$160.00} dollars in fees assessed for spending {$58.00} over my balance. I had several XXXX dollars in all of my other accounts which could have covered the overages and I visited the bank a few times and it was not brought to my attention. They continually ask me if I want someone to call me about investing my money. The fees are exorbitant, my first overage was {$1.00} and a {$20.00} dollar fee was charged. They charged me {$28.00} five more times for a total of {$58.00} in overages that I didn't realize were being charged because I also thought the accounts were linked as they appear to be online. The bank stated they do not normally return those fees. Under normal circumstances I would understand this, but I feel that I was signed up for this program without my knowledge and the details were not included. All of my accounts had the same courtesy fee enrollment status that I did not sign up for. I was not given information about this when I opened my accounts. The first overage was drafted on XX/XX/XXXX and I received a letter yesterday and called to address it today.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: IL
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 around XXXXXXXX XXXX i deposited {$3500.00} at chase atm XXXX XXXX {$100.00} bills XXXX {$50.00} bills an XXXX {$20.00} bills XXXX bills all together making {$3500.00} i have yet to receive any updates on my dispute i have not received any temporary credit after the 4 days they said they would apply to my account i called them an they said that it would take them up to 35 days to resolve the issue an that i would have to wait till they resolve the issue before giving me my money back. I kelp calling asking if they could look at cameras they wouldnt tell me anything but sorry you have to wait till its resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NV
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XX/XX/2023 - Notified by credit alert that XXXX XXXX had reported mortgage payment ( XXXX ) over 30 days late. This caused a huge drop in my credit scores with all three credit agencies ( Transunion, XXXX, and XXXX ). I have a copy of letter from bank that mortgage payment was mailed on XX/XX/2023 via check direct to XXXX from bank. 

XXXX XXXX has refused to acknowledge payment was received by XX/XX/2023 and their company did not process the payment. Customer has a solid payment history and has never made a mortgage payment over 30 days late to XXXX. 

If there was a problem with the payment, the right thing to do is contact the customer, especially a customer with an excellent payment history, before automatically reporting a payment over 30 days late to credit reporting agencies causing 7 years worth of credit damage for the consumer. 

XXXX XXXX should remove this incorrect and unfair late payment report from this customer 's credit reports.

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 2017-05-16
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Judgements were paid on XX/XX/XXXX in the full amount of {$1600.00} through the Courts of XXXX, MS . The Courts finally took the public records off of my account on XX/XX/XXXX. XXXX and XXXX  refuse to remove the collections off my account Case or ID # XXXX  Case or ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Colony Brands, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mailed certified le tters to Swiss Colony, a nd   XXXX   regarding this account.     XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to  XXXX  They claim I owe {$240.00} to an account that is not mine, or related to me.     I have asked numerous times for documents/contracts bearing my signature and they refuse to provide.      Swiss Colony sen t a letter to me  X/XX/2017    asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and  XXXX  is not deleting and claiming they verified account with  Swiss Colony with no signature.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX is listed that I do not recognize

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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Resurgent Capital Services L.P.
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:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: MortgagePros, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2023 I requested my appraisal to be transferred to a new Mortgage company, as well as stated that I no longer wanted to work with Mortgage Pros. 

XX/XX/2023 After repeatedly request for my appraisal request to be transferred from Mortgage Pros. To XXXXXXXX XXXX, it was said to my rep from XXXXXXXX XXXX ( I was silent but on the call ) We can win him back. And when told You cant hold onto his appraisal if he paid for it, and has told you he no longer wants to work with you. XXXX XXXX said So, the VA allows us 72 hours to hand it over.

Company response to consumer: Closed with explanation