BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 been working with XXXX since XXXX when I was in a XXXX XXXX. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or zero balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act US DEPT ED XXXX Balance Owed : {$7900.00} US DEPT ED XXXX Balance Owed : {$7900.00}.

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 2021-01-07
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good Afternoon, I understand that I owe a credit card balance to TD Bank. I am not disputing that. 
I am using a debt settlement company XXXX XXXX to assist in settling multiple credit accounts as I'm several thousand dollars in debt. 

I have informed TD Bank several times that XXXX XXXX will be handling everything and I have provided them with the contact information for that company. However, I am still getting calls every day. I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( two calls ) XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I am always polite and just iterate that they have the correct contact information for XXXX XXXX. I mentioned that they shouldn't call me or to send me notices in the mail and even mentioned the act that they shouldn't call me repeatedly and the associate advised that it's her job- she's supposed to call to remind me about my debt and that she didn't know about an act preventing her from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Byrider Franchising, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I started this contract with CNAC on XX/XX/2022. I initially started paying off the " taxes of the car '' on XX/XX/2022, biweekly. Then the actual payments started on XX/XX/2022. It wasn't until recently I realized that this company has been in violation of my consumer rights. This company have failed to furnish statements every billing cycle since the start of these biweekly payments. The only way I knew about being late was that this company would send me text messages, emails, or they would call stating I need to pay. I have reached out to the company via postal mail about this matter on XX/XX/2022, and have not gotten a response. Regardless of my attempt to rectify the problem this company still took possession of my vehicle. I even tried calling and the agent laughed and was rude and insured me that everything they were doing were within their rights and wasn't a violation of my consumer rights. Once knowing that this company were violating some of these consumer protection laws, I decided to look into what else this company were in violation of and found a couple more violations ( I will attach a list of the violations made against me in the files section ). After realizing I wasn't going to get anywhere with this company, I decided to write you guys in attempt to maybe get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
Old auto loans Old credit cards Old personal loans Multiple inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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 had an auto loan with USAA Federal Savings Bank ( USAA ) that I paid off on XX/XX/2021. 

I am in the process of trying to get a mortgage to purchase a home so I requested XXXX update my credit report showing that this loan was paid off. XXXX opened an investigation which they closed on XX/XX/2021. XXXX  stated they contacted USAA and USAA certified that there was still an existing balance of {$18000.00} on that account and that all of the information was up to date. 

As part of the dispute process I provided XXXX proof that the account was paid off in it's entirety with a statement from USAA, the top of which states, " Congratulations! You've paid your loan in full. '' A cursory investigation by USAA would have shown that they account was paid off, but they failed to take any steps to correct this misinformation on my credit report in direct violation of the Fair Credit Report Act, 15 U.S.C. 1681s-2.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX  Inquiries : XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-12
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: Experian Information Solutions 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:
I wasnt aware of debt, showed up on credit report when trying to get an apartment, call the company and paid the account in full XX/XX/2020. Creditor advised me that my account will be updated, credit report wasnt updated advised credit bureaus no resolution there as well.

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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, Thank 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 explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX/Chase Visa advertises that it guards their card holders against fraud. I purchased a " ruby '' from XXXX XXXX XXXX XXXX in XXXX XXXX  on XX/XX/XXXX. I agreed to a payment of {$500.00} US Dollars. I even received an Appraisal Folio no. XXXX  signed by the Store Manager indicating under " Gemstone '' : # 1 - 8.5 cts - color Ruby ''.

Upon return to the states, I a jeweler indicated in writing that it is not a gemstone, but a " man-made stone ... valued at between {$20.00} and {$50.00} US dollars at the most '' I contacted XXXX XXXX about returning the stone and receiving a credit. I never received a response. I contacted XXXX  about the fraudulent purchase. They denied the appeal and upheld the charge as I had not returned the stone to the store. So, on that basis, I returned the stone to the merchant by certified mail ( another {$50.00} ) along with a letter demanding credit. I never received a response or credit. After I finally received proof that the stone had been returned to the vendor I contacted XXXX  again that I had returned the stone. Their response dated XX/XX/XXXX was that they upheld the charge : " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' This was an obvious fraudulent sale. I later discovered that there have been many complaints filed against this merchant, but they are still in business. As requested, I sent XXXX/Chase proof of the value of the stone. As they then were upholding the sale because I had not returned the stone, I paid to have it sent back and tracked it's return. And then XXXX/Chase turns around and indicated that it was a valid transaction. Now I am out the {$550.00} AND the stone which I returned so I could get credit from the merchant or XXXX/Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
Unauthorized fraudulent inquiries on my report that I submitted more than once with ftc report and they were not removed from my credit report. A collection account was added from XXXX XXXX and I dont have an account with the merchant ( XXXX XXXX ) that was listed on that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters out in XX/XX/2023, XX/XX/2023, and sent more letters to the credit bureaus on XX/XX/2023 I am contacting you because of a on going problem with inaccurate information reporting to my credit report and its putting me in financial harm! I filed complaints with yall also and nothing happen, I am demanding these items be removed from my credit report ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX NOT XXXX 
All support documents and my photo ID is attached!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this collection acct twice that has so many misleading and inaccurate details, it should have been removed. Nobody is investigating hardly anything! The date of service, the date it went to collection was premature of fcra guidelines, lender sent me a balance but it does not correlate with XXXX and XXXX investigated reports. So I assume lender is not being fully honest with them. Report also states no payments have been made, which is inaccurate. My insurance has paid out about {$10000.00} of original charges. This is misleading for future lenders that review my credit report and alters major impacts. If info isn't accurate, it must be removed, it doesn't folllow fcra guidelines, it must be removed ; and I sent out a validation request to lendor BCA and months go by without a response, that alone is supposed to be grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not inform me I could dispute the validity of this account reporting on 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 2018-07-24
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX, I got a past due notice for a bill I never got. I sent the payment that day for the actual charges but the late fee needs to be removed immediately! My coworkers who were traveling with me said their bills weren't even due until XX/XX/XXXX, the day I got my past due notice. This is clearly a SCAM and is completely unacceptable!

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 2019-04-23
Company: Williams & Fudge, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was sent to William XXXX Fudge collecting agency and was told back in 2017 that XXXX University Online and XXXX University Online had broken the law regarding the scare tactic and threaten to send me to jail over a debt that I had never owed and was not to have enrolled in their school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX, XXXX, Va. XXXX Have been sending me collection notices in the amount of Account Numbers ( XXXX {$380.00} ), ( XXXX {$330.00} ), ( XXXX {$540.00} ), and ( XXXX {$470.00} ). The collection has been reported as pass due balance I do not know this company. I have never done and business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company has this debt showing on my credit report way past the 7 year mark and they need to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Tickets purchased XX/XX/XXXX for concert with a performance date of XX/XX/XXXX in the amount of {$350.00}. The concert was canceled due to covid with a possible reschedule date of XX/XX/XXXX. Initial contact with Citibank to file dispute was XX/XX/XXXX. Dispute was submitted that day. Citibank contacted merchant on my behalf and responded on XX/XX/XXXX with the merchant refusal to refund. I submitted further information via email to Citibank XX/XX/XXXX to further pursue a refund. I also contacted the merchant, XXXX per Citibanks request on XX/XX/XXXX. I also attempted to call to use the merchants online chat services and phone. All attempts to communicate with XXXX were ignored. All information was sent again to Citibank on XX/XX/XXXX. Citibank again contacted the merchant and the dispute was closed on XX/XX/XXXX with the denial on refund from merchant.

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