BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Constantly getting calls from Quality Asset Recovery. XXXX.

I do have debts, but none are in collections, and have a credit score above XXXX. All of my bills/debts get paid on time.

No matter what I do or say, they continue to call and harass. I just want it to stop.

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 2023-02-15
Company: EQUIFAX, INC.
State: TX
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've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

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 There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} LVNV FUNDING {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-25
Company: Paramount GR Holdings, LLC
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX I used and referred to my co-worker. They said he needed a co-signer. Then, they said he was good. I never signed anything. XXXX XXXX  people, XXXX and XXXX, signed my paperwork for my Panels. They signed my name as co-signer. I only realized cause my co-worker had problems with Panels and XXXX XXXX didn't fix it. So he stopped paying. That's when I get a notification that it's on my report. Co-worker currently has lawyer going after them and loanpal aka Goodleap. The loan company is now calling and emailing me to pay balance. I told them what happened and they are still coming at me. I just got email offer to pay {$52000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a new car supposily, but when I took it to the get the insurance for it they refused to cover my car because the car was damaged by hail, after that i have to retuned it to the agency. I just have the car for 2 months and they want me to paid them the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, XXXX and Transunion to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these 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 2020-03-16
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:
My identity was compromised in late 2016, as a result more than 50 attempts have been made to obtain credit in my name. I have contacted all of the National Credit Reporting Agencies by certified mail disputing the inquiries, having provided them evidence of my identity, as well as a copy of the police report filed about my identity being compromised. In a very detailed letter I disputed each of the fraudulent attempts to obtain credit in my name, as the inquiries are having a negative impact on my credit and attempts to obtain legitimate credit. Each bureau has stated that the inquiry is a matter of fact, and though they are the fraudulent, they will continue to report them for 2 years, and they will not take steps to validate if their subscriber had a permissible purpose to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Bronstein & Weiss Arbitration
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018, My wife and I were contacted separately about a Payday Loan from XXXX XXXX. The POC name is XXXX XXXX, XXXX, ext XXXX. The loan amount is {$1100.00}. Here is what he said to my wife. 

wo of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on XX/XX/2018 at XXXX XXXX and XXXX XXXX PST. The first call was to my wife 's cell phone and the second on my cell phone. The voice mail stated : XXXX ( my name ) my name is XXXX XXXX calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation s department. My phone number is XXXX ext XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TX
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was in disbelief when I saw on my credit report a late payment reporting for me in XX/XX/2016. I am not sure what may have happened. I believe I made all my payment to you when I received my statements. My only thought is that my statement never got to me.

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 2018-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
CASE # XXXX My account number is XXXX XXXX XXXX XXXX ( this account was closed and I was issued a new card ) My English is terrible, and would therefore try my best. 

on approx XXXX or XXXX I was charged {$12000.00} and I called in few month later explaining that I never received the merchandise " I DID NOT DISPUTE IT AS FRAUD '' I was nicely given a refund and all was good. 

Then approx XXXX the refund was reversed and I got a letter stating that it's because I gave the merchant access to my card. 
" OF COURSE I GAVE THEM ACCESS, HOW ELSE WOULD THEY BE ABLE TO CHARGE ME, THE FACT THAT THEY DID NOT DELIVER IS WHAT BANK OF AMERICA SAID THEY WILL COVER ME '' So I was given a list of paperwork to email or mail in and then I was given a fax number where to faxes, I faxed in all requested documents. I then received a direct phone number and I direct representative to deal with. However, every time I called and they played games with me and they told me that has to be escalated and this is not acceptable in anyway I have proof from every angle which I will not release on this's first attempt to resolve it periods shows Bank of America come back with excuses which is they're deceptive lies and corruption I will prove to them all my resources I have. Including and mainly the merchant admitting to me that he refunded it but did not have phones in his account on the refund and therefore it did not go through and in fact he even apologizes to me for filing through. In the meantime I was promised I will not have to pay interest until he finishes on the investigation that didn't a hold true for several months the last three months I didn't pay a lot of money for something I did not receive and I dated a lot of interest and I beg of the consumer financial protection bureau to help me get all my money back. I will attach to this complain the letter which I send to Bank of America I will also attach Bank of America 's letter lying to me and telling me they can not revise the revised phone of course I gave them access to my account. And it's so stupid because every time you do a purchase you give access to XXXX but I have protection that if I don't receive what I paid for a Bank of America you'll take responsibility.

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 2020-03-16
Company: EQUIFAX, 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-10-12
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 is missing that should be on the report

Complaint:
I paid off my XXXX card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my XXXX XXXX and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Made contact via certified mail regarding hard inquiry. Company failed to comply according to FCRA guidelines. Sent letter XX/XX/2019, no response.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.

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 2023-03-11
Company: Javitch, Block & Rathbone LLC
State: OH
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 have a wage garnishment sent to a court in a county I moved out of in XXXX. I moved from there to XXXX  in XXXX and back to XXXX in XXXX till present day. The original debit or portfolio recovery sent this collection to javitch block law in XXXX who sued me in XXXX XXXX XXXX. I cant do anything about it. This is 100 miles away from where I live and have lived for 5 years. Now I have garnishment papers from my work with the old address used to sue me. I have no way to stop this as I was deceived by javitch block. My due process in court was violated by using these tactics of filing so far away from where I live so I wouldnt know about it and have a chance to appeal. I have no idea how this is legal. I had a prior creditor XXXX XXXX XXXX  who got ahold of me in XXXX about a debt and I worked with them paid it in full and everyone was satisfied. I can prove my willingness to do this with a court getting involved but javitch block denied me of this and now I have the embarrassment of my employer thinking Im some deadbeat person.

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 2020-12-15
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with M & T Bank. This mortgage is currently in a forbearance plan as a result of a COVID hardship assistance request, effective XX/XX/2020. As a result of this forbearance, my payments have been paused. Last week, I've received a letter from M & T Bank notifying me that despite my current forbearance status, my mortgage is currently " in default ''. This new information does not coincide with the current forbearance plan that I have been approved for. It is my opinion that M & T Bank has committed to harassing and bullying consumers who have opted to take advantage the protections afforded to them during this crisis. Prior to receiving this letter, I have received multiple calls from representatives of their bank, calling to remind me of what my options will be once the forbearance period is over. On the last call I received, the representative informed me that at least one option to resolve the past due payments will not be available to me if I do not have steady employment at that time. I do not believe this information to be accurate.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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 did not authorize or give permission to these companies to report my private information. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports this is violation of my federal protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I sent a request for appeal via certified mail to Navy Federal Credit Union in regards to an account closing. The aforementioned institution has placed me on restriction from using its products due to fraudulent activity in XX/XX/XXXX and has reported this restriction to XXXX XXXX XXXX XXXX, This has essentially placed my personal financial activity on hold with my other banking institutions and jeopardizes the closing of those accounts and the in ability to open another account/product with existing institutions or new ones. In this request, I sent copies of the transactions in question as well as all of my personal identification information, all of which proves that I not only did not initiate the transaction as the " Fraud Activity '' claim would infer, as I was a victim of a client who gave me 2 checks that I had no prior knowledge were drafted on a closed account. After my Navy FCU account was restricted, I made sure that the entire transaction amount was 'Paid in Full '' plus absorbant fees were paid as well. Despite my earnest efforts to explain and bring forth a positive closure to the this stress situation I have received absolutely no clarity or response form Navy FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation