BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The are a few inaccurate accounts with adresses i do not reside in. 
a few accounts are paid off and there still holding my information in 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 2023-03-11
Company: Resurgent Capital Services L.P.
State: MI
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:
LVNV FUNDING LLC - Has been reporting fraudulent charge to the credit bureau for over 2 Years. I have disputed this charge several times with XXXX and XXXX, and they have refused to remove it from my Credit Report. In the 1st Quarter of 2022 - LVNV FUNDING LLC along with XXXX & XXXX, PC. file a complaint with the XXXX, I responded to the complaint/summons. In XXXX of 2022 - The Court Dismissed the case brought by LVNV FUNDING XXXX XXXX XXXX XXXX XXXX. The case was without Merit, lacking proof and is what the court would consider a Frivolous Lawsuit. The last time I requested for this item to be removed was XX/XX/2022. I have petition XXXX and XXXX to remove the reporting from my Credit Report and provided them with the Dismissal from the Court and still they claim that " Account information disputed by consumer, meets FCRA requirements. '' This is by far the worst credit reporting - If the LVNV FUNDING, LLC - could not prove in a court of law without a shadow of doubt that the Debt is mine, then by a matter of law under the Fair Credit Reporting Act. The negative reporting to my credit profile should stop immediately and be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that XXXX XXXX immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the item as soon as possible : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX  XXXX Account : XXXX XXXX XXXXXXXX, 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 that consumer reporting reporting agency can not furnish a account without mu written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-02
Company: Caliber Home Loans, Inc.
State: WA
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:
Pay off submitted and the payment was sent back. Resubmitted with a more accurate amount and notice of dishonor, tender instructions and bankers affidavit submitted to the CFO of Caliber home loans. 
They need to accept my payoff for my loan and send me the allodial title ASAP. this is the second attempt to pay off my loan. 
a XXXX will be submitted to the IRS with all documents and copies of payments submitted. Organized crime, public and political corruption, false and altered documents, unreported income, faliure to with hold tax, failure to file return, failure to pay tax, failure to honor, process and credit account # XXXX has caused loss injury and harm. An offer of performance was tendered in good faith and full satisfaction of their claim with the intent of extinguishing any alleged debt, duty, obligation or liability, it is their duty to honor my instruments. they are making false statements about me to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX  : {$14000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX  : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Debut card case # XXXXXXXX XXXX  I had several unauthorized transactions with a merchant called XXXX, which whom XXXX have an account. Those transactions were never authorized by me. I file a dispute with Truist Bank. They denied my dispute because I previously have authorized this merchant to debit my account therefore I do not have any right to dispute any transaction with them.

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 2023-09-03
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My name is XXXX XXXX, at first I was {$6000.00} behind in mortgage payments because it was supposed to be automatically debited from my account Selene finance LP but it was not. When I finally noticed I was behind on payments I made a call to the company and a representative from Selene told me I could make a payment of {$3000.00} and I was told by a representative I was able to send the {$3000.00} and the supervisor at Selene finance LP told me I could not send it and they needed the whole payment of {$6000.00} and this is the same supervisor who told me to do a loan modification but it was denied twice. They are now planning to foreclose on my home and I am now behind {$12000.00} in mortgage payments. Which all started because my next door neighbor XXXX XXXX XXXX ) who is a realtor broker refused to give me her insurance company information because her water heater bust which caused mold to my townhome. She would not take any responsibility for any of the damages. I had to sleep in my car an entire year while I was repairing my home myself. The money the I couldve been making payments towards my home on went to repairs on my home and my mortgage company did not help me with any of this process denying my loan modification twice i feel Selene finance Lp is discriminating towards me because I am a XXXX XXXX XXXX XXXX  citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-02
Company: Durango Credit and Collection Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dispute Debt Collection Letter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Durango Credit and Collection XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XX/XX/XXXX Dear Collector I was notified by your company on XX/XX/XXXX regarding an alleged debt. Ambulance Service transported me to XXXX XXXX XXXX XXXX, CO XXXX emergency room two times without being tested for XXXX and no real clear-cut diagnosis at the time, had symptoms of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not understand why the hospital/ambulance service did not charge the bill to my Medicare Card . I was XXXX XXXX XXXX and got XXXX two times and could not work. Some of the employees that work for the ambulance service was unprofessional and rude ( kicked my foot as I was waking up from passing out ). 

I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
We got XXXX American Express Card in XXXX last year. We got charged {$150.00} for membership fee. At the time of the renewal this year they charged {$650.00} to keep the card. I called them on XX/XX/XXXX being surprised by the membership fee jumping to {$650.00}. I told them that if that is fee is {$650.00} I do not want the card. I am willing to pay {$150.00} but not {$650.00} as requested. I paid all what I owe on the card before XX/XX/XXXX. They stated it is {$650.00} fee. I responded that I do not want to have this card. I called them again on XX/XX/XXXX to confirm the cancellation. They stated that I did not ask for the cancellation. I told them that I stated that I do not want the card which is equivalent to cancellation. They argued that I did not say cancel. I have followed up regularly every other week to have them listened to my conversation early XXXX that if I said I do not want it it means cancel it. They did cancel it on XX/XX/XXXX but they insisted on having me pay the {$650.00} fee. Now they started adding penalty fee and intense on my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CapitalOne credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX XXXX and XXXX is currently reporting it monthly as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, Equifax, XXXX and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: NCB Management Services 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:
I had an auto loan via XXXX my car was totaled in XXXX of XXXX I wasnt at fault so other parties insurance paid me my vehicle was a total loss. As of XX/XX/XXXX the payout amount was {$18000.00}. XXXX XXXX paid a settlement amount of {$13000.00} leaving a balance of {$5000.00} according to certified letter. Gap insurance paid {$2600.00} leaving a total of {$2300.00}. I received a warranty refund of {$2100.00} leaving a balance of {$210.00}. I received a maintenance refund of {$1900.00}. I should of received a refund of {$1700.00}. Not only did XXXX keep my refund they incorrectly reported my account to the 3 credit bureaus they also sold my account to NCB Management Services and they have a collections account for {$1900.00} which is the amount of my maintenance refund and NCB refuses to remove inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX  talked to credit bureau XX/XX/XXXX talked to credit bureau XX/XX/XXXX escalated issue with TransUnion XXXX XXXX XXXX  representative hung up on me. 

My date of birth is showing up as two different dates and TransUnion said I have two different accounts that need merged. 

I confirmed/verified my DOB and they said they would correct the issue. 

I'm filing bankruptcy right now and the court needs my Trans Union credit report. 

I have no access to my credit report nor services such as freezing or unfreezing my 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Maximus Education, LLC dba Aidvantage
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Today XXXX I called Aidvantage to discuss lowering my student loan. I am in an income based plan but payments of {$330.00} are still too high so I called to discuss as mentioned in their website. One woman I spoke with said she couldnt help me and she went to transfer me to her supervisor hung up on me. I called again and I spoke with a man a second time. He told me I would pay a higher amount than the first person I spoke with. He mentioned a payment being in {$400.00} range. I told him the last woman told me {$330.00} then said he could potentially get it lowered to {$280.00}. I again asked to speak with a supervisor. Put me on hold. Then said, theyre just going to tell you the same thing I did. Still kept stalling and said his supervisor said I could consolidate my loans. He refused to put a supervisor on the phone. I told him I could pay {$200.00} a month. He informed me I make too much money and Aidvantage would never work with me on that number. I got so frustrated I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened cash app to deposit money and was given a message that my account had been closed for using crypto funds from cash app for online gambling. I have never transfered any funds from Cash app to any online casino account. I have sent crypto currency purchased on cash app to my own personal crypto currency wallet. I have attempted to speak with support and no one gets on to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXXXXXX XXXX XXXX XXXX, XXXX Purchased in XXXX, XXXX, XX/XX/2023 The item was XXXXXXXX XXXX and came through my credit card as US {$500.00} I called the credit card company almost daily, and Ive given them all the document and evidence and witness statement I have, and they are not reversing the charge?

Company response to consumer: Closed with explanation