BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My issue is with Equifax. I filed a dispute with Equifax to investigate the account balance on my XXXXept of EducationXXXX XXXX XXXX All student loans are discharged and the balance is {$0.00}. Equifax sends me information on XXXX XXXX XXXX. I didn't ask for information to be disputed on XXXX XXXX XXXX. I provided supporting documentation from the student loan lender to show evidence that the balance is {$0.00}. Why are they not doing their job and investigate the correct information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Final attempt to resolve the validity of this debt, cease collection activities, and XXXX am this morning was not a good time to call me and threaten legal action up to including jail time. 

" This correspondence is in reference { ... } a supposed debt still owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/XXXX. The disputed amount was included in billing on XX/XX/XXXX and paid by XXXX XXXX  Check on XX/XX/XXXX, received by XXXX  XXXX  XXXX  on XX/XX/XXXX. 

A further communication from XXXX  stated an additional amount of XXXX was still remaining as on XX/XX/XXXX and that amount was paid XX/XX/XXXX and confirmed received via phone conversation with XXXX XXXX XXXX XXXX XXXX, with XXXX ( sp ), on XX/XX/XXXX. XXXX XXXX was unwilling to confirm any additional information, at that time, as the account had been turned over for collections. 

1. You will cease and desist all collection activities 2. You will no longer contact her at any numbers you have listed for her 3. We will only recognize written contact with the resolution with this matter from the initiating creditor to include an apology from their escalation department 4. You are being reported to the Consumer Financial Protection Bureau for harassment of the above named individual a. Continuing to attempt phone contact after being advise, via phone conversation on XXXX XXXX, XXXX that the debt was disputed b. Continuing the initial phone contact with consumer after being advised she was currently in the XXXX  with XXXX access to financial information c. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX and insisting she provide you with banking information YOU contacted the consumer, the consumer is not obligated to provide financial information without first verifying the call is legitimate and not a scammer d. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX with derogatory statements and threats of legal actions that could include jail time e. Additional attempts to contact the consumer on XXXX XXXX, XXXX after a nurse confirmed that she was in the hospital and unable to take phone calls of this nature f. Continuing to attempt phone contact with consumer after written notification, sent via certified letter from XXXX XXXX XXXX XXXX client 's attorney- on XXXX XXXX, XXXX g. Continuing to attempt phone contact with the consumer 5-20 times per day h. Attempting to contact the consumer almost 100 times in a 30 day time frame 5. Per contact with XXXX on XX/XX/XXXX, at XXXX, it was confirmed by XXXX XXXX this debt was paid in full on XX/XX/XXXX and should have never gone to collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-02-12
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CB1, Inc. out of XXXX MT, failed to notify me of debt within 5 days as required. When I requested validation of my debt in the form of a letter, sent certified for proof, under the Fair Debt Collections Practices Act, they failed to provide the following : Verification that there is a valid basis for claiming I am required to pay the current amount owed. Notation whether this debt is within the statute of limitations and how that was determined. Proof that I agreed to pay this debt in the form of a document with my physical signature on it, stating that I agreed to pay this debt. HIPPA release form stating they have permission to access all of this aforementioned health data. Details about their authority to collect this debt : whether they are licensed in Montana, and if so, to provide the date on the license, name on the license, as well as the license number, and the name, address, and telephone number of the state agency issuing the license.

Not only did they fail to provide their authority to collect debt within the state of Montana, the inability to provide a HIPPA release from authorizing them to have permission to access all of my private health data is a gross violation of my rights under HIPPA.

I followed this with a letter of dismissal, as they have no legal right to harass me into paying any debt they can't prove that I owe, or that they have the authority to collect. I promised them the next action taken by me would be a complaint to the Federal Trade Commission if they refused, so here we are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

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 2023-01-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Multiple disputes opened for charge made around XX/XX/22 in the amount of {$210.00} Item never received. Overcharged for item. A large amount of evidence was provided on multiple occasions. Bank is siding with an XXXX artisan in third-world XXXX despite my proof.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: NJ
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
Consumer complaint received 2023-05-08
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Made {$400.00} payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment was posted the following Monday, XXXX XXXX XXXX. 
PNC Bank did not apply the XXXX XXXX XXXX  {$400.00} monthly mortgage payment for the XXXX XX/XX/2023 payment due. 
PNC Bank sent statement showing XXXX XXXX XXXX payment received but not applied to XX/XX/2023 payment that was due. 
Found statement on PNC Bank mortgage XX/XX/2023 statement : " In XX/XX/2023, the Prepaid Funds Functionality for your account will be discontinued. Prepaid Funds will no longer satisfy any or all of a Regular Monthly Payment due. As of XX/XX/2023, a payment will be required every month. Any amount that exceed your minimum payment due will be applied pursuant to the terms of your loan agreement. '' Note that despite having made the payment in the month in which it was due, PNC Bank did not properly apply the payment to the account. 
XXXX XXXX XXXX  met with XXXX XXXX at XXXX XXXX PNC Bank branch. XXXX XXXX called someone and spoke with them about this issue. XXXX XXXX informed me that they would research the problem on Monday or Tuesday, and that if I did not hear from her by the following Thursday I was to call her. 
Not having heard anything, I called and spoke with XXXX on Thursday, XXXX XXXX XXXX 
XXXX called later and left a voice mail message, saying, " They re-applied the payment. So, the letter I got in the mail just crossed in the mail. You are absolutely fine. '' Tuesday, XXXX XXXX XXXX  or Tuesday, XXXX XX/XX/2023 received a call from PNC Payment Options but they hung up when I answered. 
XXXX XX/XX/2023 received a collections notice from PNC Bank claiming that the XXXX XXXX XXXX mortgage payment was not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This new complaint is in regard to the original complaint # XXXX in reference to XXXX XXXX account number XXXX, to which Midland Credit Management stated that `` A review of our records indicates that the statute of limitations has expired '', and that " Per your request, the above-referenced account has been marked 'Cease and Desist. ' " However, on Monday, XX/XX/2023 I received information from my Human Resources department that Midland Credit Management are still attempting to follow up on the garnishment. Their newest email comes today, requesting to be re-directed to " the concerned team or person. '' The original correspondence is from " XXXX '' and reads : " Hello, I am trying to reach out to Payroll/HR regarding information Related to Legal Process of Wage Garnishment that was recently delivered to your company. 

Please escalate this to the concerned department & have them respond back to me ; I will provide the concerned employees details. 

You can email or call me on the below mentioned Phone number and refer to reference number # XXXX. 


Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX Department Midland Credit Management A wholly owned subsidiary of Phone : XXXX Option # XXXX Fax : XXXX Email : XXXX '' Therefore, MCM is now not only illegally pursuing an old debt, but they are continuing with their litigation process despite assuring me that the account was marked " Cease and Desist. '' They are performing XXXX illegal actions regarding this debt and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my XXXX Credit Report : XXXX XXXX XXXX has three ( 3 )  accounts listed as closed : Negative, XX/XX/XXXX, Paid, XX/XX/XXXX, Negative, XX/XX/XXXX. I have an account in collections listed as XXXX XXXX XXXX listing XXXX XXXX XXXX as the original creditor with an Open Date of XX/XX/XXXX and a balance of {$6900.00}. This is an old account, can not be verified and needs to be removed. 
XXXX XXXX XXXX Shows an account in collections for {$2500.00} that was opened on XX/XX/XXXX with an original Creditor of XXXX XXXX XXXX. I lived in those apartments over 6 years ago and was completely unaware of any debt, this needs to be verified. 
XXXX XXXX XXXX . is listed for collections with an original creditor of XXXX XXXX XXXX  XXXX XXXX. for {$1000.00} with an open date of XX/XX/XXXX. I have no collections with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX listed as a closed account in XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion & XXXX several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX  AMOUNT - {$940.00} This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois  placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX   XXXX. I disputed it immediately with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX  & Transunion are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA  4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.

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 2019-02-06
Company: F&L Marketing Enterprises LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I opened a payday loan with XXXX XXXX Loans at the XXXX  XXXX location. The Loan was opened on XX/XX/2018 for {$750.00} at 299.000 % and my loan number is XXXX. Due to going into overdraft on my accounts- causing major household bills payments to bounce for insufficient funds. The representatives will call 3 to 5 times daily and has called my place of employment several times, even though, I specifically asked them not to call due to my employers guidelines. This information was notated on my original application and in person to the representatives. I have paid to date {$650.00} towards this {$750.00} loan and still have a remaining balance of {$820.00} from the original {$750.00} loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XX/XX/2022 I received a charge of {$75.00} on my debit card On this date I was working at XXXX XXXX XXXX in XXXXXXXX XXXX  the charge was from XXXX XXXX in XXXXXXXX XXXX. 

Boa has denied my claim twice and stated it was a chip on chip transaction. 

I provided Boa a signed letter and emails from my company that I was at work that day and not travel to XXXX to get my nails done Boa did NOT contact the merchant and they were unable to give me a time or a signed receipt from the merchant. Did the store have cameras. etc this is {$75.00} but what if were {$1500.00}.? 

i have called the last 2 days and they will not even accept my calls

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 monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on the credit file dated XX/XX/2023. /s/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 explanation
Consumer complaint received 2023-05-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear Sir/Madam, I am writing to dispute a billing error that occurred with Toyota Financial Services . In XX/XX/2023, I set up automatic bill payment for my Toyota car loan, but apparently, the setup was not correct. Unfortunately, I was not aware of this issue until recently because I have a separate account where I transfer the exact amount of money to cover all automatic payments. Therefore, I do not usually check my billing or bank statements on a regular basis when I have autopay set up. 

I am disappointed to report that Toyota Financial Services did not contact me by email or phone to inform me that my payments had not been posted. When I contacted them, they explained that they could not help me, and I would have to dispute the issue with the credit bureau. However, I was able to open one of my statements for Toyota, called them, and made a payment to bring the account current. 

I am writing to request that the credit bureau investigate this issue and correct any errors on my credit report. I believe that Toyota Financial Services should have had a process in place to contact me if there were any issues with my billing, especially since I had set up automatic bill payment. 

I hope that you can help me resolve this issue quickly and satisfactorily. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account # XXXX, has violated my rights. 

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

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

15 USC 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 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