BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: MS
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as 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 2019-12-20
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: Paypal Holdings, Inc
State: MO
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 made an online order from XXXX XXXX for XXXX on XX/XX/XXXX and paid thru PayPal. Funds were debited from my checking acct on XX/XX/XXXX. On XX/XX/2019 XXXX was again debited from my account by XXXX XXXX. I had not placed another order nor authorized XXXX access to my bank account. I called XXXX and they claimed they had a communication issue with PayPal and suggested I call them. I called PayPal and they claimed they hadn't shared my info and suggested I call XXXX. When I told the rep I'd already done so and they were blaming communication error with PayPal he just told me he'd look into it. I explained I was very upset because it was obvious XXXX got my banking info and the sole purpose of using PayPal was to ensure security. He then suggested I call my bank, which I'd already done. Neither PayPal or XXXX would take any responsibility for double charging me. I had to freeze my debit/credit card and file a dispute thru my bank. I feel PayPal is fraudulent in promising security and XXXX  is fraudulent in charging for an order theyd already been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-07-18
Company: EQUIFAX, 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:
The information was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a 24 month contact with XXXX  on XX/XX/XXXX the contact ended XX/XX/XXXX, They were supposed to Bill on the third of each month starting XX/XX/XXXX. XXXX instead billed me the XX/XX/XXXX because they said they would be billing a month in advance. After 3 months of service they increased the price and changed my billing date to the XXXX of the month. I still made all 24 payments and cancelled service. They wanted me to get a new contact for another 24 months at {$200.00} a month so I would not sign. called them took all their equipment back on the XXXX of XX/XX/XXXX they said I would get a {$29.00} dollar credit, but then they said I owe them because they bill in Advance, I sent them a copy of all XXXX I paid, now they are saying I own it For XXXX that would make me pay 25 months and if I hadnt paid XXXX why would they bill me {$200.00}, they have turned it over to A collection agency even though I sent them a copy of all payments. I did not have or use service after the 24 months. With that big jump in price

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-04-04
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was a tenenent at XXXX XXXX. They rented me a new apartment to me at another location. I was supposed to move in to unit XXXX at my new building but it was not ready so I was asked to take unit XXXX. 

For months after i had been emailing management at XXXX XXXX about my security deposit and received no correspondence with my security deposit for months. 

Landlord tenant law in CA provides 21 days for the landlord to provide final reconciliation or return deposit. I received nothing for months. 

I moved out XX/XX/XXXX and received a bill sometime in XXXX or XXXX of XXXX and i was informed they had beej sending mail to the unit i was supposed to take and they never updated their system. I made many attempts to contact management but they refuse to return my calls. 

Then I received a notification that a collection agency was niw reporting as debt on my credit report. They reported the address inaccurately and i was not given anytime to understand anything about this so called debt because management had an unwillingness to communicate and they provided an incorrect address to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: CT
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 and XXXX XXXX XXXXXXXX are reporting me late, when Im not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX  Reported : XX/XX/2019 + {$81.00} Needs Attention XXXX XXXX XXXX  {$880.00} XXXX XXXX {$230.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$84.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2019 I sent XXXX XXXX  a formal request in writing via their online portal to have the FHA MI removed from the loan as it had reached below the 78 % LTV ratio. It's 50 days later and I have only received 1 update regarding the removal of the MI stating that more time was needed to review the file - this letter was dated XX/XX/2019. I have called XXXX XXXX almost daily for the past several weeks and I'm unable to get an update on the removal. The response I get is " it's still under review ''. I have tried several times to resolve the issue with XXXX XXXX but they will not assist me. Not only that, they continue to disburse MI premiums at my expense. I am attaching a copy of the request that I sent in on XX/XX/2019 for your reference. I am also attaching prior communication from XXXX XXXX earlier in the year in which they mishandled my account and provided incorrect information regarding the ability to have the FHA MI removed. I believe XXXX Point may be in violation of the Homeowners Protection Act for not auto-cancelling the MI and may also be in violation of CFPB requirements for communication to me as the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
We are trying to refinance with XXXX. We have been waiting to reserve a subordination release from TD bank for 6 weeks now. XXXX is not able to get TD bank to send the release letter to them so we can close this refinance. 
The only part is from TD. You can not talk with the subordination department at all. 
They will not return a phone call back to XXXX or an email to them or ourselves. 
All we are trying to do is refinance, we have a credit line with TD using our home as collateral for {$13000.00}. We are refinancing with XXXX for {$270000.00}. 
Please give us some sort of advance. 

We started this refinancing with XXXX, last XXXX. At this point I don't want to stop and start again. I just want TD Bank to send the subordination letter. 

Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ 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  ] [ Dates of fraudulent transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, 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 2023-04-04
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been having problems with Navy Federal Credit Union for the last year when it comes to rearranging posted transactions by removing them from being posted to pending. I have called them numerous times regarding the matter and I was told that all transactions can have as much as 7 days to post. These transactions were both debit or XXXX transactions that are immediately withdrawn from account. 

There are several examples of NFCU engaging in this practice to the point it has overdrafted my account buy {$270.00} and them There was a debit transaction for XXXX XXXX on XX/XX/2023 for {$23.00}. NFCU acknowledge the transaction and it was approved. The balance of my account at the time was {$1200.00}. As of XX/XX/2023, the transaction is missing. 

On XX/XX/2023, I used XXXX to transfer {$630.00} to my mother and it was approved with no issues. Today, XX/XX/2023, I was sent an email notification that I was charged {$20.00} an overdraft fees. Debit card transaction usually post within 24 hours. This is five days which is way pass the date of the debit. 

They have acknowledge that they have been rearranging my transitions through an email on XX/XX/2023, for a transaction dated back on XX/XX/2023. 

I have attached proof of documentations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I physically have the card in my possession. 

XXXX  has confirmed this was a fraudulent transaction and forward the invoice confirming fraud/identity theft. 
Received 3 phone calls and 2 text messages from : XXXX Saturday XX/XX/XXXX @ XXXX " Hi this is XXXX XXXX calling from XXXX  regarding your refund request. Once you see this message kindly call back. '' Saturday XX/XX/XXXX XXXX sent a link to an application that would give them access to my cell phone and tablets. 

Serve has enabled idetity theft and is now enabling the sammers and id thefts to obtain my personal information and they are now contacting me directly with more scams as shown above. The number is a XXXX  number and not anyone associated with XXXX. 

I purchased this card in-store at XXXX. I did not use this card after I purchased it, I did not authorize anyone to use the card and I did not give the card details to anyone. XXXX has acknowledged that this was a fraudulent transaction and opened their own fraud investigation case. They also provided the invoice of the transaction. My identity was comprised and my money was stolen by this individual. I have my own XXXX XXXX ; why would I go to a store to buy a pre paid debit card to make an online purchase at XXXX when I can simply log into my account and use my credit card? I do not live in that state, that is not my name and I have the physical card in my possession. This was fraud and you have been made aware of this fraud. Please see attached invoice for proof I did not authorize anyone or make this transaction myself. I do not know the person listed on the invoice and i did not give them my card details or permission to use my serve card. 

Web order # XXXX : XXXX Card was purchased in-store by me at XXXX  XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX XXXX @ XXXX on XXXX XXXX, XXXX 

Serve  was notified of this non-authorized transaction at XXXX on XXXX XXXX, XXXX Serve has provided false information and failed to provide any evidence or proof that this transaction was authorized. I have submitted the physical card, the store receipt, the XXXX  invoice and my statement that i did not make this transaction nor authorize anyone to make a transaction. Serve  has not contacted XXXX  or attempted to prevent this from happening in the future. Serve has not provided any evidence in an investigation and has failed to be unbiased when reviewing the documents I have sent. Serve is either profiting off id theft or their employees are actively a part of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ Debt showed up as a collections, with the original creditor named XXXX but the debt was sold to IC Systems XX/XX/ Company sent letter to resolve unknown debt, and settle for a less amount. 
XX/XX/ Attempt to contact company to dispute the unknown debt, company did not answer

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 2023-07-18
Company: EQUIFAX, INC.
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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief