BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill from XXXX XXXX from an appointment with my doctor. Service date was XX/XX/XXXXXXXX XXXX  and amount was {$300.00}. I paid this bill in full in person at the doctor 's office on XX/XX/XXXXXXXX XXXX with my credit card and received a paper receipt from the front office person who processed the payment. 

In XX/XX/XXXXXXXX XXXX  I was contacted by XXXX ( debt collector ) and was informed that this bill was sent to collection by the hospital as they thought I haven't made the payment. My credit score was also affected at that time from this illegitimate charge. On XX/XX/XXXXXXXX XXXX XXXX XXXX made several calls to XXXX and XXXX XXXX to dispute the charge and try to resolve the issue. I was told by both XXXX and XXXX to fax them proof of payment. I faxed both of them the receipt and my credit card statement on that same day XX/XX/XXXXXXXX. I never heard back from either of them if anything else was needed. 

Today XX/XX/XXXX I received a call from another debt collector, TSI, and they informed me that XXXX had sent this same bill to collection once again. I informed TSI over the phone that this amount was already paid in XXXX XXXX  TSI told me to fax them proof of payment and that this will be communicated to XXXX. Again, I faxed TSI the receipt and credit card statement on the same day XX/XX/XXXX and have not yet heard back from TSI or XXXX XXXX so far. This is an unacceptable business practice resulting from XXXX XXXX inability to verify a legitimate payment that was made directly at their own facility. This is causing me unnecessary stress and I shouldnt have to spend my own time and resources to try to fix someone elses mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Im writing today to provide details as they pertain to the issue with my Bank of America credit card that was closed by them -- with absolutely no notice to me -- on XX/XX/XXXX. 
Eighteen years ago, I opened my first credit card, with my father cosigning as guarantor. For eighteen years, I made my payments on time, monitored my usage carefully, and never went over my credit limit. I very carefully built my credit, and very intentionally kept this card open and in good standing, as I know how much the average age of credit can impact a credit score. 

In XX/XX/XXXX, evidently Bank of America decided they needed more information about my father ( just address and phone number, nothing major ), who has not moved in five years or changed phone numbers in 20 years. It having been so long since the account was opened, and given how little information they required from him upon opening the line of credit, all they had retained as far as his information was one of my old addresses, at which he never lived. 

BOA claims they sent a single letter to an address at which my father never lived, and at which I have not lived for seven years. ( Note that they randomly updated his address to mine when I lived at the address mentioned above, but not, for some reason, when I moved into my current home, which I have owned and inhabited for seven years. ) When that letter obviously went unseen and unanswered, they unilaterally closed my XXXX year old account with absolutely no notice to me of any kind, which they openly acknowledge. This means no letters, email, or phone calls at all. I discovered the account was closed via a credit monitoring alert from XXXX. 

Ive spoken at length with bank representatives, both over the phone and in person at a branch. All have claimed that there is absolutely no way the card can be reopened, which is simply bank policy, and have offered no recourse for my severely damaged credit. My average age of credit has dropped from nine years to 3, and my available credit has suffered hugely as well. My credit score has dropped into Fair for the first time I can remember -- at least 15 years. My husband and I share a car and were about to apply for an auto loan. That's no longer possible. This has had severe and real-world consequences for me, through no fault of my own.

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 2022-11-17
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son purchased XXXX Vanilla Visa prepaid cards for {$25.00} each, XXXX for me and XXXX for my wife.. wifes card wont work in stores tried XXXX times, the other card the company says it was charged by XXXX XXXX and now has a balance of XXXX. Called the company waited XXXX hour the first time for them to answer, they did nothing said call back in XXXX days. called again yesterday waited XXXX minutes, they will not replace the cards. Ive tried their website number of times and logged in too and says cards are nonexistent or error it says, XXXX day my card had a XXXX balance the next XXXX, my wife can not get her card to work at stores. This company should be put out of business because of the complaints they have i see online they take peoples money. i called visa today and they called and hooked me up with vanilla gift card and waited another XXXX minutes and got no answer. Vanilla gift cards are a scam for sure..hope you can help with this! thanks i called Vanilla on XXXX and XXXX and today the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax I wrote 3 times in 2 years time and called to get hung up on or told they are updating site and receive nothing. Absolutely nothing but a continue freeze on my report. I cant get cable from XXXX XXXX  or credit cards or mortgage or new car or insurance or anything because this corporation is a fraud and lying to federal government. They need to be shut down by congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Chek Cash, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Repeated calls to my place of employment. They have asked coworkers and left a message stating they are going to report me to HR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
XXXX XXXXXXXX XXXX XXXX Not my account Victim of Fraud Identity theft Have contacted company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-04-09
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-02-13
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello, I am unemployed and can not find a job so I had no choice but to sell my home. I thought my 2nd was forgiven since I could not locate my lender and come to find out they went out of business. When I listed my property for sale I all of a sudden received a letter from a collection agency stating the I owe an enormous amount of interest on top of my original loan amount. I never received the transfer of service letter and the monthly payment stmts and the loan matured in 2022. I called that collection agency and explained to them I am out of work and if they can work with me by reducing the payoff and told them Im unemployed and need my equity but they will not budge and do not care that I need the money to survive since I do not have a job and have no money in the bank. Is there anything I can do to get them to reduce the payoff? And my house is about to close and if I cant get any answers can I go after them after my house closes and pay them off even though I dont agree with their terms? Please let me know, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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 following companies listed below have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Eastern Account Systems of Connecticut, 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 have made several attempts to get this known fraudulent account off my credit report and the company knowingly and fraudulently is trying to collect a debt that is not mine by repeatedly having its contracted third parties to report this debt inspite of the filed FTC identity theft report and the fact that I was not living at this account in XXXX our divorce was filed in XXXX and I was gone 6 months prior. I have attached proof of the third fraud packet filled out for XXXX. The following companies have this listed with very different amounts and dates which means there is inaccuracies. 

XXXX Account # XXXX for {$610.00} on my report that they just reported again XX/XX/XXXX and responded to you XX/XX/XXXX that the amount was {$570.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They were asking for an account number or social security number. But we have never done business with TRUIST BANK. They claim we owe XXXX for an account ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: EQUIFAX, INC.
State: TX
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:
I have been affected by the Equifax Data Breach and Equifax has denied me access to my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been with Ally since XX/XX/2023 and before I was with Ollo credit card services. I have never missed one payment nor was late with Ollo. Ally takes over and since XXXX I have had late payments every month. I have auto pay scheduled how is that even possible? I call in after I get a text that my payment is late and I am thinking I am set up for auto pay there must be a mistake. I call Ally and they tell me they see the auto pay but it is not making it to process. How is that my fault? I have had the same checking account same system for years. They do not know themselves. Well XX/XX/XXXX I get a text message that my payment is again late and I call in and with the rep she and I both look and see the auto pay is set up she apologizes and gets a man who is supposed to be escalations supervisor but does not have the authority to credit the late fee because Ally has already credited 2 of the late fees and it has to be approved by a special department. He did not offer to even see why the payments were not making it to process but he as well did see the auto payments coming out on the due date. I have had enough and this is not what I want to be late on my credit cards month after month and then have to ask for a return of a late fee that is not even my fault.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I just cant figure out whats going on and I also dont understand what it is that Im doing wrong, or what it is that Im not saying. Ive reached out to these creditors and was notified that theres been no investigation at all and youre just receiving an electronic response from them! I know that this isnt considered legal verification and that youre required to do your own investigation beyond what they submit to you. Wheres this info? Wheres this documentation? How was the investigation done? Who did you speak with? How can you prove to me that you didnt just parrot what they told you?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
I was lead to believe I was getting a at home but then the company hammy cash in a check of {$1400.00} on XX/XX/XXXX to help pay for my equipment see it on XX/XX/XXXX to send me {$2400.00} on a check both through email, then on XX/XX/XXXX XXXX cashed in a check of {$650.00} he told me to use the XXXX and the XXXX checks to buy gift cards with {$500.00} consisting of them. They also told me to keep {$250.00} of that {$650.00}. I have made it into my account but on the XXXX. My account reached- {$1400.00}, the check bounce, and when I went to report it with my bank, the investigator came back and told me that all the checks that I put in were fraud but since I used them even though I didnt know they were fraud since I still use them. I still have to pay for the negative debt. FifthThird rejected my ask for help and told me that I still have to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX issued a student loan refund to my student Visa card and never informed me of it. The company was then bought out by Nelnet and a check was issued out. I never received the refund. Nelnet is requiring me to pay back a loan that I did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: NC
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:
accordance to the Fair Credit Reporting Act XXXX Account # XXXX has been violated my rights. 15 U.S.C 1681 602 A. Section 1 have the right to privacy. 15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation