BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MERCHANTS ADJ SERVICE never sent a Debt validation notice to me by mail nor did I receive a forward request of mail from them. MERCHANTS ADJ SERVICE reported to all 3 major credit bureaus a debt I do know nothing about. I have XXXX and XXXX which pays 100 % my claims and when I contacted my insurance they stated all claims are paid and full and that I shouldn't owe any medical company a debt. To told me to file with the federal agencies. So that is why I am filing with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX My name is XXXX XXXX XXXX My phone number is 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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I paid my debt which was in collections in full in the month of XXXX. It still is on my credit report and is keeping my credit low.

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 2020-01-29
Company: EQUIFAX, INC.
State: MS
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:
i seen my credit report and equifax closed my account without my consent.i never ask them to closed it and it is against the law.i have letters of me disputing with them.It has affect my credit score that i can not attain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am a co-signer on this loan, I have a court ordered repayment plan dated XX/XX/2013. Payments have been made every month as the repayment plan required. They still attached my State Income Tax Refund. Due to their incompetent bookkeeping methods, they have pulled me into court for garnishment a half dozen times since and have lost every time as I can prove the payments. No garnishment can take place as long as all payments are timely made. We do not trust them. I live with the signer and she pays them with Money Orders because when ever they get the itch they will sweep your checking account. This also has happened. Then you don't have the funds to pay your bills.You have to go to court to even ask for your money back, you usually don't get it, you lose work time and who knows what else. They are harassing me. Punitive steps need to be taken. I have to take time off from work for all of this etc. I don't get paid for this time and inconvenience for their issues. The company is WWR working for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email and letter on XX/XX/2020 stating XXXX XXXX virtual card account had been opened in my name. I had not opened any such account. I called their partner bank ( TD Bank, NA ) to attempt report the fraudulent account, but unfortunately, they have transferred and waited on hold for over an hour. Disconnected and tried again the next day with same result. The TD Bank service rep states they need to transfer me to the Retail Account services and then no one answers the call. 

I am currently on hold a 3rd time and have been waiting for 1 hour and 7 minutes ( so far ). I am highly frustrated that I can not even talk to an  individual at the bank to inform them of a fraudulent account opening. I am not sure how else resolve the issue, so filing a formal complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: Prosper Marketplace, Inc.
State: NV
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 XXXX XXXX, 2018 my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX was signed. The account is being reported as charged off for {$9300.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of this account that is being reported to all three credit bureaus. More than 30 days has passed without a response. I mailed another certified letter via certified mail # XXXX and it was delivered XX/XX/2018. Still no response. Per federal regulation this item must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The company also did not mark the item as " disputed '' on my credit reports with in 30 days of receiving the dispute. 
Please see attached dispute and supporting docs. My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I utilized Remitly to send USD {$2900.00} over to XXXX to be picked up at a bank via cash delivery. When the recipient went to claim the funds, the XXXX  bank told the recipient that the amount they were picking up exceeded the limit of what they were able to receive, which apparently it is USD {$3000.00} This is information that is not clearly disclosed at any point and as a sender we were unaware that the banks in XXXX  had any such limitation. As a consequence of this obscurity, we have had to pay interests on the debt that we were paying off with these funds. We had a very similar issue with a second transaction for USD {$2900.00} that was sent to a different recipient who went to pick up the funds via cash delivery through a different bank. This bank told the recipient that he was only able to get these funds via a check that would take 5 business days to be generated and then he would have to deposit that check into his own bank account. Both transactions had to be canceled and by doing that we ended incurring additional costs. The funds will take up to XXXX business days to make it back to our bank account. Bottom line : the money we sent via Remitly was never delivered because the banks in XXXX never released the funds for reasons that were never disclosed by this company before we initiated the transactions. We called the company several times trying to fix these issues but in the end there was no other solution but to cancel the transactions, wait additional time for our money to make it back to our bank account, incur additional interests and initiate the transactions via a different service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Received an alert on a collection account on my credit bureau file. 

XXXX XXXX Account number - XXXX Account was opened on XX/XX/XXXX under my social security number but a different individuals name. Collection account was posted on XX/XX/XXXX for {$1300.00} Called XXXX XXXX and the collection company they moved the account too..Both non helpful ... just told to pay the debt and then try and get a refund even if it was there issue/problem.

Completed dispute with Experian on XX/XX/XXXX. No update..they sat the information is accurate due to the social security number used is correct and the first name of the individual matches mine but different last name on the XXXX XXXX account 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 2018-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed Equifax and XXXX  that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This debt belongs to my exhusband. When I left the home on XX/X/2011 I contacted both XXXX XXXX XXXX and XXXX XXXX where I left several messages with XXXX and XXXX who both assured me that I would be taken off of the long and any debt that he incurred after that date will be HIS responsibility, not mine. He decided not to make any more payments after I left the residence and now I have it showing on my credit report because he is refusing to pay the {$5000.00} that he still owes them. We went to court I think two years ago and he never showed up to the court date. At that time I was told again by community investment group that they would be going after him for the debt amount. Now I am trying to buy a modular home and this is again showing up from XXXX XXXX group that the account is written off on my credit report showing that I still owe {$5000.00} and this is making it impossible to get my new home loan. I just want this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: SYNCHRONY FINANCIAL
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX SYNCB/TJX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Douglas & Knight representing XXXX XXXX XXXX have tried to collect a debt. They have been completely un willing to cooperate. A Payment plan has repeatedly been submitted. They have not responded. Refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My account was opening on XX/XX/2019 where I was to receive a {$400.00} bonus for keeping {$15000.00} in the account for 60 days. In XX/XX/XXXX, several fraudulent transactions were conducted on my account where my balance fell below the {$15000.00} threshold. It was confirmed to me that the fraudulent transactions would not change me receiving my bonus. Now, over 60 days later, they are changing their tune and unsure if I will receive it or not. 

Customer service has been contacted over 20 times regarding this, and nobody can figure out how to do anything. I get transferred around repeatedly, and nobody can do anything. I wait on hold for promotions departments, fraud departments, supervisors, complaint departments, etc. Nobody has been able to resolve anything and they just transfer me to the next person who is as incapable as the last.

My funds have been held hostage now because I had to put a freeze on my account. I am unable to transfer them anywhere since I am waiting on the {$400.00} bonus to be applied. If I close before it is applies, I lose the bonus. I do not trust Citi with my funds because they have allowed fraud on my account, and they are not true to their word in providing a account opening bonus. 

In order to resolve this problem. I will need the bonus credited immediately and my checking and savings accounts closed with a check sent to me with the remaining account funds INCLUDING THE BONUS.

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 2017-12-07
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I was preapproved for financing with XXXX XXXX XXXX XXXX company. I used the XXXX XXXX to locate a new XXXX XXXX XXXX. I proceeded to the dealership to acquire the vehicle and printed out all paperwork provided by XXXX XXXX to purchase the car. While at the dealership, they kept asking to run my credit to see if I could get better financing. I respectfully declined advising them that I was closing on my house in a few days and I could not have any inquiries put onto my credit. The preapproval from XXXX XXXX XXXX XXXX did not put any inquiries there. While at the dealership doing my paperwork, I get a call from NMAC calling to verify my identity. ( I have fraud alerts and my credit file is frozen, and it was only unlocked so the mortgage companies could run my final credit check. ) I was informed that the call was being monitored and recorded. I asked why they were calling and I was advised my file was submitted for financing, I advised that I was not interested and I was already approved through XXXX  XXXX and would be proceeding with them. I did ask out of interest, how much the interest rate was at which time I was advised 7.22 % which was the same as XXXX  XXXX, so I again declined. I signed all of my paperwork, and on the financing contract is has XXXX XXXX printed and also the GAP contract has XXXX XXXX printed. Months go by and I am waiting to make my first payment to XXXX XXXX and I received nothing. I then received my statements from NMAC at which point I am confused in how my car was financed through them as I went through XXXX  XXXX, or so I thought. I went ahead and started making payments to NMAC as I was advised at that point there was nothing I could do, the deal was funded already. In XXXX of XXXX, my car was totaled and this situation was again brought to the light. In the process of me acquiring all of my docs to submit to the insurance company, I see that this deal was done fraudently. On my contract that was obtained from NMAC, XXXX XXXX is scratched out, without my initials confiming changes and in handwriting NMAC was written in. I also obtained a copy of my GAP contract which they failed to update with NMAC and it still had XXXX  XXXX information. The deal should never have been funded through NMAC and it shows on the contact where changes were made after my original signatures. I blame both the dealership and NMAC for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, 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:
After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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:
After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. There was one charge-off for each, and subsequently, I came to a paym ent agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.

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 2020-01-29
Company: FORD MOTOR CREDIT CO.
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 information incorrect

Complaint:
I went to court XX/XX/XXXX with a case Ford Motor Inc vs myself for a balance of {$23000.00} on previous truck I had returned in XX/XX/XXXX. My lawyer was able to reduce the amount to {$12000.00} in which XX/XX/XXXX I pay the amount of {$150.00} per month until paid in full. They said that Ford would fix my account and place it in good standing. In XX/XX/XXXX since I had 3 payments under my belt I checked my credit report and it had not updated. So in XX/XX/XXXX I disputed with all three credit bureaus and I submitted a copy of my court settlement papers. Two of the credit bureaus verify that the information was correct when they called Ford. On XX/XX/XXXXI reached out to my attorney and the reach back out to the Ford lawyer and they wont respond about the credit reporting. On XX/XX/XXXX I called Ford Motor Inc and why account was not reflective after the case and the lady forwarded me to another department. The gentleman their told me my account went to a attorney and that they haven't received and updates for attorney. I explained to him that the case had already went to court but he says they can't talk to me and I have to speak with there attorney. So that evening I mailed a copy of my settlement paperwork to Ford Motor Inc to show them that it was settled and the amount has changed. Because they are not updating this information I have been unable to refinance my home and can not get any loans.

Company response to consumer: Closed with explanation