BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I received a phone call from XXXX and the caller identified themselves as calling from XXXX XXXX and immediately tried to " confirm '' my identity by asking to state my name and address. I asked what is the nature of the call and the agent refused to tell me unless i revealed personal identifying information. I hung up and called that number back. 
A person self identified as 'customer service ' ( after I inquired 3 times ) told me his name is XXXX XXXX He said he was not allowed to provide his location. The conversation went back and forth on this issue and he often spoke over me in a threatening manner. I asked again and he said XXXX XXXX XXXX XXXX '' He refused to say what a " financial services company '' is. I said I have no relationship with XXXX XXXX at this time. He said I might have had one in the past. I said all obligations have been finished. He continued to treat me with disrespect. He would not give me the address of XXXX XXXX unless i " verified '' my identity and I refused. He would not reveal what kind of financial services company this is. 
I requested a supervisor. After five minutes on hold a XXXX XXXX took over. 
He refused to state the nature of the call and refused to say what the financial services company is. He said he could not tell me because this is a personal business financial matter. He harassed me and treated me with disrespect. He said repeatedly after I asked what a financial services company is that he could not tell me unless I verified my address and other personal identifying information. The initial call was at XXXX XXXX 
The public information on XXXX clearly shows it's a debt collector. I have a XXXX and other medical condition which these callers exacerbated. My obligations with XXXX were settled months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Date : XX/XX/XXXX Re : Dispute and validation request XXXX Ref # XXXX XXXX Customer : TD Bank XXXX/XXXX Credit card Original Client Acc # XXXX XXXX XXXX XXXX, XXXX, Doing business As, XXXX XXXX XXXX XXXX / XXXX, FL XXXX This company sent me a lot of statement from XX/XX/XXXX to XX/XX/XXXX relating to credit card debt because last three month i receive a notice of collection that I owe XXXX credit card the sum of {$300.00}, I reply that I did not know this debt and need debt details, now they sent me about 10 statements from XX/XX/XXXX to XX/XX/XXXX beginning with transaction {$50.00} on XXXX + accumulation original debt + interest + penalty monthly up to amount of {$300.00} in XXXX. After reading information from news paper said that XXXX  is hacked and leaking many thousands customer 's identities ( in XXXX ) I do not use XXXX  credit card. 

So far, I did not receive any statement notification by email or by mail of Target since XX/XX/XXXX. I think my identity was leaked by XXXX  and other guy can use it to apply for XXXX credit card and use it under my name. 

Why XXXX  or TD Bank do not sent monthly notice or statement by email or by letter as other entity issuing Credit card like XXXX, XXXX XXXX, or Banks? Why they hiding the statement? what for? why they intentionally hiding them until the accumulation amount up to {$300.00} from the beginning amount only {$50.00}?? 

If they sent statement to me monthly, I should have paid in full the first statement dated XX/XX/XXXX {$50.00}!! They must have responsibility to leak identity of customer and did not info customer this problem! in XXXX i must close all my bank account and freeze my SSN to prevent from identity thief. 

This is not a fair business to hide statement for a long time to collect accumulated penalty and interest, they did harmful consequences by leaking customer 's identity!! 

I need help from CFPB to resolve this problem asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CITIBANK, N.A.
State: VA
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 made all my payments to Home Depot within the 30 days due date as I mailed most of my payments. I got a call from an agent who then told me he would waive a late fee for the payment that was due of XXXX. I made the payment minus the XXXX. Home Depot reported the payment as late even though I was told it was being removed. When I called to complain the rep told me they add the late fee to the payment due but then refund it to the account they do not remove it from the payment due even though they added it to the payment due. Also they reported XX/XX/XXXX was 30 days late which it was due the 23 and paid on 8 days later. I have proof of payment. 
Also I pulled all of my statements and Home Depot is charging me late fees the same day my payments are due so they can wrongly report payments late and collect XXXX dollars for payments on time. 
It shows this in my statement. I want Home Depot to follow the fair debt collection act and the fair credit act by reporting my payments on time as they were on time within the 30 day period. If I mailed my payment in and they failed to apply the payment accurately then that is not 30 days late. I want this corrected on my report because it's false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was never late on this accounts

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 2023-05-02
Company: EQUIFAX, INC.
State: LA
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank is XXXX XXXX XXXX. On XX/XX/XXXX, I went online to request a USPS change of address. As expected I was asked to put my card details to be charged {$1.00}. Few minutes after I realized I got charged {$99.00} instead of {$1.00}. I went back online and found out I got scammed on a fraudulent website imitating the USPS website. I called my bank same time to dispute the transaction. I got a credit the following week. I received an email asking for documentation. I submitted a statement as a reply to the email. On XXXX, XXXX I realized the credit they had given me got reversed without any communication to me via email, phone or mail. I called multiple times to find out why and to ask for a resolution but on multiple occasions whoever I speak with tells me different story and hang up the phone on me. The name of the transaction was CHANGEOF MY MAILADDRES. The incorrect spelling is enough proof that its indeed a scam. Also everyone in the US know USPS dont charge {$99.00} to change address. I explained all this in details in my statement but they still rejected my claim without any communication. They rather asking for a correct receipt from USPS when I cant provide that since the transaction wasnt with USPS but a fraudulent website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EdFinancial Services
State: IN
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:
XX/XX/2022 : Made a call to Edfinancial asking about the procedure for accounts that were paid in full during the pandemic, agent told me I did not have to request refund and that I simply had to wait for loan forgiveness. After looking at official documentation, this did not seem to be the case for accounts that were paid in full and I did have to manually request a refund. 

XX/XX/2022 : Made a call to request a {$20000.00} refund and my loan reinstated, there are still no changes to my account after a month ( as of XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The number of times overdue that is actually cited on my credit report does seem inaccurate and or confusing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: IA
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:
Debt was PAID as AGREE with the collection agency ( XXXX XXXX XXXX ) and should be DELETED.

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 2022-11-23
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX 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 a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-23
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681 section 602 A. states I have a 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
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:
In XX/XX/XXXX I received a letter stating that I owed a XXXX bill from my old telephone/tv service account as an early termination fee. I did not terminate service I merely moved across town and kept the service, they would not resolve the debt and it was in the hands of Eastern Account System of Connecticut. At that time, I made a payment of XXXX. The remaining balance I did not pay, it was a complete oversight. I DID NOT receive a reminder call, letter or email. I sold my house and am in a new home, I am a widow and mother of XXXX  seniors going to college, I would have expected a little understanding with my situation. I am financing my new home now and a collection debt for XXXX is on my credit report lowering my rating dramatically. I called up the company, I made another {$25.00} payment and said I would like to settle this account, the balance is XXXX, I told the agent " XXXX XXXX '' XXXX ext. XXXX, I would like to pay it in full, she was rude and said she was not going to remove it from my credit report, I can pay it but her company DOES NOT remove negative or derogatory remarks from credit reports. This collection agency " Eastern Account System of Connecticut '' did not follow up with me, they DID NOT make any attempt to clear this up and when I am now trying to resolve this matter, they will not remove the negative from my report, lowering my score 30 points! I am trying to move forward and this company is abusing its power and is not working with consumers for a positive result, they appear to be against the consumer and on a mission to ruin people 's credit scores regardless of whether they pay or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NY
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me 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 XXXX XXXX XXXX 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 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for this companies, I'm not responsible for this inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached letter which I received XX/XX/2020 claiming that I owe XXXX XXXX/XXXX XXXX a debt of {$240.00}, but they will take {$170.00} to call it square. I am denying this demand for payment ( see attached copy the letter ) I do not now, nor have I ever, had an account with XXXX or  XXXX XXXX. Furthermore, it has been sixteen ( 16 ) years since I have had any type of utility in my name. The XXXX XXXX XXXX has been contacted, the Sheriffs Office as well if necessary and a complaint now filed with you. 

How can they get away with this stuff? I will be sending them a certified letter to demand they cease and desist. If they have been trying to call, I've probably already blocked their numbers. This is so frustrating and so bogus ... big sign of SCAM alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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:
I'm submitting to follow up on my previous complaint about inaccuracies in my credit reports. In the next 15 days, I plan to update my credit reports and want to bring to your attention the FCRA section 605b, which requires Credit Bureaus to remove any items listed in an identity theft report. I sincerely hope that Credit Bureaus will finally remove the remaining inquiries from my credit file. The inquiries in question are as follows : 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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