BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: NCC Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in the XXXX XXXX XXXX and one night my boyfriend held a loaded XXXX to both my head and my toddler at the time and we had to flee the apartment. He was XXXX, but then later released but I had a temporary order for our safety to not go back to that apartment and I do have a police report from that evening if needed. I found somewhere else safe to live that he did not know about so my child and I would be safe. I explained all of this to the manager that worked there at the time and she understood and said she would not hold me responsible for the apartment lease ( which was in both of our names ) due to this extreme situation. Then a couple months later it was on my credit as a joint unpaid amount and I called the apartment complex a couple times and once I was promised a call back and never received one and another time the woman who picked up said she did not know about the situation and could not help me and now it is in new management and completely new staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have multiple inquiries on my credut report from XXXX XXXX   XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I subscribe to XXXX XXXX XXXX credit monitoring. I pay {$24.00} a month dating back from XX/XX/XXXX. Recently, while doing my online bill paying, I noticed that I have been getting doubled billed for same service. XXXX XXXX XXXX credit monitoring service has also been charging me {$19.00} a month dating back to XX/XX/XXXX totaling approximately {$200.00} as of XX/XX/XXXX. Experian said that account had only been acessed 2 timez, both in XXXX when opened. I have no knowledge of opening this XXXX XXXX XXXX XXXX XXXX, especially since I already subscribe to the service. 
I spoke with a supervisxor at experian ( XXXX # XXXX ) who stated they would only refund me 1 month of subscription. Obviouslly I feel this is unfair since I have no knowledge of this account, nor have I ever logged into it. It makes no sense to pay double for same service. I tfied explaining and reasoning with the Experian supervisor to no avail. 
I have since cancelled both accounts due to the treatment I recieved. Im just requesting the {$19.00} X 10 months, {$200.00}. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19
Company: ERC
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:
XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. 

ERC must immediately delete this erroneous entry from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Attached is the document filed with the Police dept, Last year I had Thief in my bank account and some one tried to take out a XXXX card. 

Police reports, XXXX XXXX and documents concerning this matter was Faxed to all three credit reporting agencies. 

I have also spoken with all three agencies personal about this matter. 

Yet, Experian, XXXX and XXXX continue to sell my personal information to marketers and promotion. I have OPTED-OUT with all agencies. 

I shouldn't have to do this every year, All three agencies have allowed access to my credit reports from any one. I haven't signed any consent to have my Credit report viewed by ANY COMPANIES in the past since the Thief in my accounts. 

The credit reporting agencies are TOTALLY responsible for the THIEF in my bank accounts and the damage that Ive had occurred. The time and effort that I had to go threw to straighten out the damage that could have been done to my Finance.

The credit reporting agencies have continued to ILLEGALLY sell my personal information and supply my this to companies without my consent.

The credit reporting agencies expect me to pay them to protect my personal information and make additional monies on me Its not enough that they sell my personal information now they want me to pay them to secure this data. 

The credit agencies have gotten away with having their data base access and not taking responsibility for this bad behavior. After the damage has been done they still continue to get away with this Illegal action and make money on the consumer. 

The credit reporting agencies should OPT me out of all marketing and promotion. I have done this in the past and shouldn't have to do this every year. 

The credit reporting agencies continue to put me and my personal finance in jeopardy, the only people that should have access to my personal credit should be my creditors. And who ever I give consent to and I haven't done that at all. 

The credit reporting agencies are responsible for the THIEF in my account, I should have a list of all the marketing agencies that my personal information have been sold to and hand over that list to the Police to continue their investigation.

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 2020-11-26
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: Was not notified of investigation status or results

Complaint:
I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's 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 2022-07-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a customer of Suntrust Bank, now Truist Bank since XXXX of XXXX Since the merger to Trust, my accounts have been plagued with problems. Listed below are the detailed problems : 1. They keep charging me overdraft fees and returning payments. I had overdraft protection with Suntrust which was linked to all three of my accounts, after the merger they unlinked them. I keep relinking them, but their system keeps unlinking them and thereafter charging me fees and returning payments made to vendors. To date I have been charged over {$1800.00} in fees and this not including fees that were charged to e do to returned payments. I had over {$150000.00} in the bank and they returned small payments and charged me fees. Customer service refuses to remove them, stating that they are not authorized and the hold time to speak with someone is over three hours at times.

2. They keep canceling my debit cards without notice or reason. They state that its a system area, but it keeps happening and its random. After they send me a new card which takes over three weeks to receive, they then cancel the new ones after 4 weeks of usage. I have been locked out of my debit card now for over thirty days.

3. All of my bank statements look distorted after downloading them from the website and several of my lenders would not accept them because they looked like someone had fraudulently altered them. 

XXXX. I had multiple fraudulent payments processed through my account from XXXX, XXXX and XXXXXXXX XXXX. Someone used my checking account to pay the bills on fraudulently opened accounts and Truist allowed it. I asked for a letter stating the transactions were fraudulent and they would not supply it. I asked for a fraud investigation and they asked me to reach out to XXXX. That department could not help me either. 

5. I am being charged analysis fees, and sometimes its over {$300.00} charged to my account. 

The bank has major issues and I am shuddering because of it.

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 2018-08-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In 2013 I was in a very bad car accident I was t boned by someone who ran a stop sign. My vehicle was totaled. I had only had it for 1 year. XXXX sent the loan company a check to pay off the vehicles value its been almost 6 years and I am still seeing $ XXXX owed in my report. This was a long legal battle from my accident and the balance wont go away its hurting my credit and affecting me to become a new home owner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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.

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 2020-09-10
Company: Prosper Marketplace, Inc.
State: MT
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 called PROSPER, XXXX XXXX, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX XXXX, & XXXX. Furthermore, PROSPER, XXXX XXXX, & XXXX has a note on my credit report which states " National Disaster ''.

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 2023-05-12
Company: EQUIFAX, INC.
State: NC
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00}.

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 2021-03-30
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I called to settle debt, I was told I owed twice amount owed. When I Told the company I didnt have it, they asked how much I had. Once we reached an agreement to settle account, I asked if this would remove the collection. I was told It would that it would take 2-3 business days for my payment to clear and the collection account would be removed. Now after several disputes and calls to collections agency, They are denying telling me it would be removed. I feel so lost, Lied to and frustrated.Im a single mom and wouldnt of paid that amount to not reflect my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
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:
I use my First National Bank of Omaha XXXX rewards XXXX for checking in at XXXX XXXX in XXXX XXXX. The card was to be charged for resort fee if {$40.00} and any incidentals. 
I checked out and was charged {$1100.00}. 
I called the hotel and they informed me that the charge was for dining at a steakhouse in the resort charged to my room. 
I did not dine there and an investigation was opened. I spoke to a manager at circa on XX/XX/2023 and was told that a refund has been initiated. I called back a few days later and they said refund was processed but it still showed up on my card statement. 
I opened a dispute with first national bank of Omaha, the card issuer on XX/XX/2023. 

Since then they have not helped me resolve this in a timely manner. I get transferred from department to department when calling in. 

I called circa again XX/XX/2023 and they stated refund has been issued and any further issues need to be take with the card issuer. 

I call for an update with first national and they say they are still working on the investigation. 

I received a letter from first national on XX/XX/2023 and they state they need proof from me to support my claim. Isnt getting proof part of what an inv

estigator doing an investigation is for? I call first national on XXXX and state that I have a recording of the manager saying he issued the refund. First national tells me I need to call back in two days when the investigation department is working because he doesnt know how to receive the recording from me. 

This is frustrating and I just want a resolution to something that should be straight forward and what so many other credit card issuers get right.

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 2023-03-09
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife and I have a joint checking account with Ally Bank. Recently, my wife 's debit card was used for an online purchase ( Approximately {$160.00} ) that we immediately recognized as fraud and reported to the bank. The bank is currently investigating the incident. The bank agent informed that nowadays, devices can scan debit or credit cards just by walking near the person 's wallet. My wife and I never use debit cards for transactions ; we always use credit cards for higher security. However, we are now fraud victims because of these con artists. 

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