BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
sent the ftc, police report and 3 social mix match they fail do do anything XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified debt collection letter to Portfolio Recovery on X/XX/2017. Information was sent, but all they really sent was a copy of some bills from two companies. I sent copies of this information to the credit bureau and asked them to dispute and it came back verified without stating how the information was verified or what additional documentation was received. I have enclosed the copy of the Certified Mail receipt, debt validation letter, the letter and statements that they sent, as well as a copy of the information that I received from XXXX and XXXX. XXXX did not send dispute results and it is still reporting on my report so I can only assume they verified the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THere are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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 2017-10-06
Company: Hunt & Kahn, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Hunt & Khan, P.A. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXXXXXX XXXX XXXXXXXX to collect a debt I owe, {$1800.00} to XXXX, XXXX. To the best of my recollection I do not owe anything to XXXX . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to XXXX but I do believe that something smells rotten here. Please help, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all 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 2017-10-05
Company: Diversified Consultants, Inc.
State: FL
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:
In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AMERICAN EXPRESS COMPANY
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:
I am filing a complaint against AMEX because my concern in my credit report is still not resolved. I have an account with AMEX that was opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX XXXX of the United States XXXX and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was XXXX  during the change in terms and late payment. I am also filling a XXXX complaint since this is XXXX need the late only late payment reported in XX/XX/XXXX to be removed from my credit report.till not resolved by AMEX. I also attached the copies of my deployment that you can use for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.

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 2017-10-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I authorized a check with Bluebird by American Express for {$1000.00} that I mailed to my landlord for my rent payment for the month of XX/XX/XXXX.
On XX/XX/XXXX I received an email indicating that there was a stop payment that I never initiated or authorized..
Bluebird gave me a very nonsensical excuse about the handwriting on the check being illegible which is not correct since I have been authorizing checks for four years as a consumer with their product with no prior issues. In order to write a check on the Bluebird account one must have the funds pre-authorized in advance and which an authorization code is processed and my landlord had no problem depositing the check to her account. It took Bluebird by American Express almost 2 weeks to send me this type of notification that the funds were stopped which is very disturbing and is now costing me to be late on my rent and I will absorb a bunch of fees in the process for the financial penalties imposed by my landlord

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: NAVY FEDERAL CREDIT UNION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am currently XXXX to XXXX XXXX and was in need of cash. I contacted Navy Fed to have money sent to me via XXXX XXXX, which is one of the services advertised as available to me as a Navy Fed member. Because it was sent from an institution rather than an individual, the local XXXX XXXX locations ( I tried 4 different ones ) were unable to process it. I contacted Navy Fed and was told " oh, we've had a problem with this. '' After spending 4 days going back and forth between Navy Fed and XXXX XXXX, still unable to access my money, I asked that the money be returned to my Navy Fed account. I was then informed that it would take 3 months to get back. If I had been warned that Navy Fed had previously experienced a problem with XXXX XXXX and that if I experienced the problem it would be 3 months before I got my money back, I would never have gone through with the transaction. I have spoken to several Navy Fed agents and escalation agents who have all taken the position that " it's not our fault, it's XXXX XXXX 's fault, so we can't help you. '' I don't bank with XXXX XXXX, I bank with Navy Fed and expect Navy Fed to stand by whatever third-party companies they do business with. When there is a problem, I expect that Navy Fed, who I bank with, will work to resolve that problem. Making me wait 3 months, while XXXX, to receive my money back is not resolving that problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.

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 2017-10-06
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a call from a woman by the name of XXXX XXXX, a representative of XXXX XXXX XXXX, a Collection firm. I was informed that I owe a debt in the amount of {$7000.00} from XX/XX/XXXX or XX/XX/XXXX- or it went into collections in XX/XX/XXXX ( per the caller ). The caller stated that I was served in the state of Georgia and in New York. I have never been served and I have never resided in Georgia. I requested that the caller send via US mail any relevant information including all signed contracts. I was informed that i would need to go to the court to look up the file I informed her that due to my XXXX I could not go to the courts to research at this time.. I was then informed that the debt will not dissolve until XX/XX/XXXX and my assets will be subject to seizure along with other threats In addition, i was informed that there are ways that my bank account or personal information could be obtained.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Sir, I have told you about my problem that I took subscription of Transunion XXXX of 1 year on XX/XX/XXXX but it's not activated yet.Transunion XXXX informed me that you don't send any ammount of 1199 RS but I have proof of Bill generate from XXXX ID that shows you get it ammount. 
XXXX id- XXXX Order id- XXXX Document no- XXXX XXXX XXXX XXXX XX/XX/XXXX Service no- XXXX I also tell Transunion XXXX If you don't get ammount of 1199 RS then you informed me through XXXX about this bill which is generated by XXXX ID but Transunion XXXX dont reply this mail.I also call XXXX XXXX XXXX he also tell me that your payment send to Transunion XXXX and a invoice send to you about this payment we do not refund this payment if XXXX is not released first your payment but XXXX XXXX not acpect it.so sir help me this this problem.

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 2020-11-11
Company: Santander Consumer USA Holdings Inc.
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED 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 non-monetary relief
Consumer complaint received 2020-04-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Huntington bank froze my account. Their rep told me it was due to too many electronic transactions and would not tell me who to contact to clear it up, if I was not allowed to use XXXX or XXXX, or what the problem was. I just paid my rent which was 3 weeks late, and Huntington was happy to confirm they received my {$750.00} direct deposit from my job with the XXXX XXXX XXXX, but that they didnt know is the check I wrote for rent yesterday would clear. My problem apparently. They gave me zero information how to fix this and said I had to wait for a letter. 

Every transaction in my account is legitimate, I am a sole proprietor business person with a TIN, vendors license, sales tax exemption forms and I file monthly sales tax reports, etc. 

The electronic transactions : The XXXX was me PAYING for goods. Im not charging that back. Theres no problems with those transactions! They are payment to a vendor I have been using for over a year. 

The XXXX transactions was ME sending ME money that I withdrew from my IRA to my other account to help deal with the pandemic and unexpected costs. Im not complaining that I sent myself money. No problem with those transactions. 

Huntington needs to fix my account, debit card and online access immediately. I was supposed to pick up groceries at XXXX today which is by appointment only which I had to cancel due to this! So now were going to starve. 

These people are causing me permanent financial harm in the middle of a National emergency over NOTHING. 


XXXX XXXX XXXX Registered with XXXX  XXXX XXXX and vendors license. 

Vendors license : XXXX, last sales reporting period sales and use tax confirmation XXXX TIN XXXX Not required to have a business checking account or a DBA due to the name of the business including XXXX. 

Also a XXXX with State of Ohio, an agency named XXXX XXXX XXXX XXXX  XXXX. 

Spouse is litigious ( see XXXX v XXXX Georgia XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX, XXXX or Experian has n't updated my credit report with my new address and phone number. I want XXXX XXXX, XXXX and Experian to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : 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 non-monetary relief
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX Visa Credit card : XXXX is lost/stolen. There are fraudulent charges/transactions on the 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 2022-04-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX I reviewed my credit file after Experian sent an alert stating a new collection was added to my credit report. I then tried to dispute the collection due to the fact that EXPERIAN allowed the fraudulent report to be added back on my credit file after disputing the report in XXXX for Identify theft / FRAUD. In XXXX the account was deleted after submitting a police report a FTC report and more. My identity was stolen, my cards information was stolen, and more. I've taken several steps to have and kept fraud off my credit report while the credit companies are allowing it to be placed back on. Then when trying to dispute Experian system always seem to be down by phone, by computer. 

PLEASE SEE ATTACHED DISPUTE LETTERS AND REMOVE THE FRAUDLENT ACCOUNT. This was a result of Identity theft and my identification was stolen and has been used previously in the past I am paying too much money for credit monitoring in order to keep off fraud as there is. Along with tons of money due to the fact of signing affidavits and more to dispute the fraud with these companies as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief