BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: Army and Air Force Exchange Service
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:
XXXX XXXX XXXX XXXX XXXX is collecting on behalf of Aafes for credit card debt that Ive disputed doesnt belong to me. Ive long stated that I never received communication of the debt nor had a chance to dispute said debt. Ive since had XXXX withheld from me. Interest in the amount of XXXX has accrued and theyre now collecting on that. I am unable to put energy into this and neither AAfes nor XXXX is able to provide anything that substantiates that said debt is mine. Not to mention that interest is accruing on an account that shouldve long been charged off and closed which is predatory in nature.

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 2019-05-07
Company: Perfection Collection
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and received a quote for XXXX   service. It was stated as a 2 year contract and I verbally agreed. I was not present for the installation and have never signed any documentation with XXXX. Because of the difference in prices from competitors I chose to stop using XXXX XXXX service. I was then sent a bill and told I owed XXXX the balance of an 6 year contract that I had signed. That was in XXXX and it was the first time I had heard anything about a 6 year contract. There was a dispute but XXXX could not provide any documentation that I had signed that stated this 6 year contract. XXXX then said they agreed and my account was canceled and I did not owe them anything. XXXX XXXX with XXXX said on XX/XX/XXXX that I had a {$0.00} balance and even sent me a quote for a new contract at a discounted rate if I would stay with XXXX   service. I have the emails. Today XX/XX/XXXX I received a letter from Perfection Collection stating that I now owe {$1500.00} and I had to pay before XXXX to avoid legal action. I tried to call XXXX but they won't speak to me. I called Perfection Collection and the lady told me that she knew what kind of person I am and I just didn't want to pay the debt. I explained that I paid my service fees and didn't owe XXXX anything but she told me multiple times " call XXXX '' even though she knows they won't talk to me, when I told her I would file a complaint with the CFPB she laughed and told me " good luck ''. She kept saying that she had a document signed by me as the contract and then provided a document that was obviously not signed by me, not even my name is signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon. I have exhausted all options in attempting not to file a complaint against CITI Bank ; however, I couldn't get a resolution. I was owed XXXX XXXX in interest and only received XXXX on XXXX. On XX/XX/18, I made a large withdrawal and confirmed with the teller that I would get XXXX days of interest with my withdrawal amount and XXXX with the post amount. It didn't come that way, and I called citi bank customer service, who acknowledged and error and said they would escalate it. A week later called again they said it hadn't been reviewed. I called the XXXX md XXXX, and the manager, XXXX, told me there was an error he would escalate it. Now I call the branch, and no one answers. I need this resolved. I was also charged XXXX dollars for a check for the withdrawal because the bank didn't have enough cash to fill the withdrawal. That doesn't seem to be my problem that I should have had to pay for a check.

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 2021-12-22
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:
I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. TransUnion date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with TransUnion and XXXX are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.

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 2018-04-26
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Sterling Infosystems Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When the company does a 7 year back ground check on me the info that you all give is XXXX years old. I ask to speak to someone or please stop supplying information from XXXX. My phone # is XXXX my email is XXXX. would appreciate someone getting back to me. I do not authorize any information being given out by you ( sterling ) that goes past XXXX. My original charges that you report are from 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 2023-01-02
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was beyond on payments with Dovenmuehle Mortgages company back in  XXXX . I was told to pay  XXXX  to the attorney to reinstatement my loan, which I did, but then I discovered the amount paid was an over payment. I was then to by  XXXX , that I would be expecting a refunded of {$490.00}. I spoke with  XXXX   XXXX  on several occasions about the money owed to me, which I am still owed {$140.00}..      XXXX  told me the fee of {$140.00} was never included in the reinstatement letter, and that he would work with the foreclosure department to have the fee waived, because the company is unable to charge me for a fee I knew nothing about. It is now  XXXX / XXXX / XXXX  and I have yet to receive the money.     Also, back in  XXXX  I mailed a {$10.00} money order to start the forbearance plan to save my home, and that money was received by Dovemuehle but never applied to my account..     I would also like to mention that this company is the worst to deal with and I truly hate them for what they did to me from start to finish. They also tried to charge me {$9600.00} to reinstate my loan, when I only owed  XXXX  to bring the account current including the attorney fee 's. I feel like they were forcing me to lose my home.     As of today I am owed a total of  XXXX  and I would like my money back. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on TRANSUNION report. 

The report states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX  and even transunion prior to XX/XX/2023! i am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
all other credit burau are reporting properly that all my student loan accounts have been paid of as agreed and with no balance owed including this account. 
Per 15 U.S. Code 1681 Without them being able to provide me with the original contract with my signature, I am requesting that U S DEPT OF ED and TRANSUNION to have the incorrect item removed immediately from my credit report that is causing damage to my name and credit worthiness. 

i need to make sure they not keep reporting inaccurate information and need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.

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 2023-06-26
Company: Global Lending Services LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a letter on XX/XX/2023 from Global Lending stating they can't grant me approval for an autio loan & how they didn't pull my credit report. Something isn't right here because there is a freeze on all of my credit reports. How can they deny me when I never applied with their company or granted them approval to pull my credit report. There are many complaints on line about them doing the same thing to others. This company is taking consumers information & illegally processing it fully as if they applied for a car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment XXXX XXXX returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted XXXX XXXX  they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help

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 2023-09-23
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that NRA Group LLC comply with the CFBP executive order & delete this alleged medical debt from my consumer report immediately. Failure to comply with the executive order may result in legal action pursuant to 15 USC 1692k for non-compliance.

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 2021-12-22
Company: WELLS FARGO & COMPANY
State: TX
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:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

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 2018-12-12
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT This is a follow up to complaint XXXX Wells Fargo responded to my initial complaint but it did not address my main concern. A balance transfer was completed without my permission, without me requesting it and they are claiming that when I requested a balance increase that I did and that is incorrect. 

I replied to the their response with this : Hi, Wells Fargo response has incorrect information. When I requested a credit limit increase to {$13000.00}, I never asked for the balance transfer to be automatically done. I never gave the representative information on my XXXX or XXXX account for Wells Fargo to one, know the balances ; two, know my account numbers ; three, know which companies I had credit cards with. I understand that balances and company names are available on my credit report but where did you get my account numbers? Why was there a balance transfer that I never requested? 

MY ISSUE IS NOT RESOLVED. THEY ARE DENYING XXXX  OUT MY BALANCE. I want them to be held responsible for continuing to do things for customer that their customer did not request. They continue to do this and have recently gotten out of a huge scandal but they are not stopping.

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 2023-09-21
Company: Self Financial Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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 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. This ACCOUNTS ( XXXXXXXX XXXX  ) ACCOUNT ( XXXX ), XXXXXXXX XXXX ) ACCOUNT ( XXXX ) Has violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Discover has my card locked because of this IRS consent form to access my tax records. They are threatening to close the account in XXXX if I don't give them access to my tax records. They stated they need to verify personal information and the IRS is the ones they trust to provide that. They didn't use the IRS when they issued these cards, they was able to verify you without the IRS so, why you need them now. If they close my account that hurts my credit score and I'm in a program to repair my credit and buy a house, I can't afford to have this hit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2021 and this company has failed to validate this debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I requested a signed HIPAA form authorizing them to have access to this information which they could not and did not provide. There is very personal information on those medical records so this has not only violated the HIPAA laws but it has also caused me stress and embarrassment. Please delete this information from my credit files and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: AK
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:
Equifax is using my student loan interest to negatively affect my overall credit score. My student loan interest is increasing because I'm on an Income Based Repayment plan and I am not paying enough to cover interest. Equifax has decided this interest should be calculated as a negative available balance on my installment loans as if I've overdrafted the accounts. This negative available balance hurts my overall credit utilization and is bringing my credit score down. 

I have perfect payment history. 

This is a recent change I've only noticed this month. Previously, my credit score was not affected by my student loan interest.

Company response to consumer: Closed with non-monetary relief