BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX XXXX service for about 2 weeks did not work put wiring around the back of my flowers and tv never worked, cancelled after talking to them many time, took photos and thought it was taken care of the service was over a year ago, contacted XXXX and service reinstalled, had no issues, fast forward a year and received one phone call I asked many times for a bill and still have not gotten one, if you look I pay all my bills on time ... .so why would I not just pay XXXX does not make any sense and told the person that calls send me a bill ... .again still waiting so I don't know what else to do thank you ... .XXXX XXXX does not work up here in XXXX XXXX MI when they put it 3 ft off the ground and run lines on the side of your house and not bury them in the ground ... .I even  paid for the rest of the bill that they said I owed which was like 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 2022-12-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: MD
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:
Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was discharged in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as discharged.

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 2019-06-09
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I submitted a debt validation request to Convergent Outsourcing XXXX : XXXX. By certified mail. In the amount of {$1400.00} I requested written confirmation of the following information. Amount owed, Detailed calculation of the balance owed, Copies of the signed agreement showing this account is my obligation, Proof of the time/statue of limitations pertaining to this debt, Proof of company license to collect debt in my state, as well as licensing numbers and Registering agent, Verification of original creditor and original bill of sale. On XX/XX/ Convergent Outsourcing only provided me with XXXX billing statements. I submitted a 2nd debt validation letter on XX/XX/ by certified mail requesting the above information for debt validation. Once again Convergent Outsourcing sent XXXX billing statements.No copies of contract agreement, proof of payment history, etc. I sent a 3rd letter on XX/XX/2019 by certified mail stating that this does not meet the Federal Trade Commission XXXX of what constitutes proper debt validation. I received no response and Convergent Outsourcing is still reporting to the credit bureau

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 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America refuses to assist me in any way to look up a transaction that XXXX alleges that they deposited to my Bank of America card ending in XXXX on XXXX. 
Bank of America refused to look up the transaction ID XXXX, that XXXX claim they refunded in the amount of {$65.00} to that same debit card. 
I informed Bank of America that XXXX insists that the payment went through successfully and was not rejected or sent back. 
Bank of America refuses to assist me in any way to look up the transaction ID or the Funds.

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 2019-08-20
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Sometime in July, I made an account for "Transunion" in an attempt to view my credit report for free. Credit report never delivered, and I was never able to access my account. Unauthorized charge of $XXXX.XXXX to my card on XXXX/XXXX/2019 from "TU*TRANSUNION". I'm not sure if I gave them my card info in the first place. Called number associated with charge, person on other end of the phone asked for my social security number, as well as other sensitive information. Did not continue, as I am not willing to give sensitive information to an unknown source. Ever since creating the account, my email has received a significant increase in spam from companies trying to sell me insurance and loans. I believe this spam is due to Transunion giving my info to other companies without my permission.

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 2023-10-25
Company: Law Office of Linda Strumpf
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Linda Strumpf is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form to Ms. Strumpf and the bank after my savings account was frozen. Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me. 

ATTACHMENTS Image ( XXXX ) .jpg ( XXXX KB ) Image ( XXXX ) .jpg ( XXXX KB ) Please see the previous complaint XXXX Nothing in Ms Strumpf 's response is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed off letter to XXXX, Transunion, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX and XXXX  about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to XXXX XXXX on XX/XX/XXXX for the bureaus.

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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my 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 2019-01-08
Company: Scott Fetzer Financial Group Inc.
State: NH
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:
On XX/XX/2018 I purchased a XXXX vacuum and financed through XXXX XXXX XXXX XXXX XXXX -parent company Scott Fetzer Financial Group Our agreement was that my first payment would be XX/XX/2018 with a 10 calendar days late payment Im made my first payment on XX/XX/2018 using my 10 day grace period On XX/XX/2018 I hard a hard inquire on my credit report because we are correctly financing with a bank and it came back that I had a LATE PAYMENT on XX/XX/2018 the day I signed Parker work for the vacuum, when I called the company ( XXXX ) they said that this was false and that they they did not run my credit-the report said otherwise-and that my account was in good standing with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already told this company not to contact me at work. Today on XX/XX/2018 they called my cell phone XXXX and when I did not answer they called my work number XXXX. I stepped outside to call this company and tell them that they are not to be calling my work and the man refused to acknowledge that he was taking it down as a formal request until I verified all this debt information. I want these people to stop calling me at work. I have already requested this and he told me it's not how this works. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -CAPITAL ONE # XXXX -CAPITAL ONE # XXXX -XXXX  XXXX XXXX # XXXX -CAPITAL ONE AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
The following companies have listed false hard inquiries on my credit report, these hard inquiries listed should not be listed on my credit report. I have attached my police report to this report and these hard inquiries should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a federally protected consumer I contacted Capital One on XX/XX/2021 regarding my account. I specifically told Capital One that by law pursuant to 15 usc 1602 ( j ) they have not balanced out my open ended consumer credit plan. This account is associated with an open ended consumer credit plan as described in 15 U.S.Code 1637. I am aware this account has not been balancing out every month using the funds from the trust account from my principal obligor. I demand my open ended consumer credit plan be corrected and to balance out my account every month to rectify the bank errors caused by mismanagement of payment. Without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. 
I also stated that according to 15usc 1692 the fact that they say I owe anything is misleading. I am the original creditor of this account when I provided my social security number to open this card. I XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor. I also demand a certified copy of the original certificate of indebtedness in order to verify the alleged debt is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will serve as proof Capital One acted without ordinary care, good faith, and has indeed performed illegal activity in evidence to this subject matter. I demand that all late payments be removed and correctly reported on my consumer report 15 U.S.Code 1691 ( a ) ( 3 ), 15 U.S. Code 1681b.

CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT DUE TO ME DISPUTING INNACURACIES GOVERNED MY CONGRESS LAW. CAPITAL ONE GAVE ME XXXX EXPLANATION VIA MAIL WHY MY ACCOUNT WAS CLOSED. THEY ALSO REPORTED THIS INNACURATED/DISPUTED INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION PURSUANT TO 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used for XXXX ( XXXX ) unauthorized transactions on XX/XX/2023. The total amount involved was USD XXXX. I have not lost or misplaced the debit card. I got the card blocked immediately as soon as I got first message suspecting that there have been a fraudulent transaction. I simultaneously disputed all the transactions and filed a claim with the bank on the same day. 

I now understand that the bank has completed its investigation and denied my claim. I have also personally visited the bank to make representation of my case. I have been orally explained that the reason for denial of my claim is that the transactions were made through XXXX XXXX, which would ordinarily require a pass code of my phone, finger prints, XXXX ID, etc. However, I have never used XXXX XXXX in my life, and I still do not have XXXX XXXX account on my phone. 

I am awaiting for final letter from the bank in this regard but wanted to file this complaint timely.

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 2019-07-28
Company: EQUIFAX, INC.
State: AZ
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 XXXX there was a data breach and ever since then Ive had nothing but issues in trying to repair my credit all I ask is for a clean slate ... multiple unknown inquiries and acounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My balance with BMTX bank is at a non-sufficient funds in the amount of $ XXXX. I have already tried to dispute discrepancies of small amounts of exact charges of {$2.00}, {$4.00}, and {$1.00} placed on my account by a XXXX XXXX XXXX XXXX in XXXX, California. These charges do not seem correct due to the exact charges without taxes. Purchasing items, it is seldom that the balance is an exact charge. I have had issues with this convenient store overcharging in the past when paying cash. I want this bank account closed and their customer service refused to do so. I have made disputes on charges which have not been resolved and they demanded that I pay the {$17.00} or they will not close this account. I only opened up this account because the college that I was enrolled in at XXXX XXXX XXXX advised everyone that it would be an easier option to receive student loans. The representative stated that this was a financial institution and that would be incorrect since they do not have a corporate branch that you can walk into to pay the balance. Everything done is through wire transfers.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX , I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA XXXX I'm enforcing my rights as an consumer.

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 2023-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2020-09-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my home mortgage was transferred from XXXX XXXX XXXX SPECIALIZED LOAN SERVICING LLC. Ever since my mortgage was transferred, i've been unable to access my account. The SLS site throws an " Account not found '' error message when i try to register online, and after 4 months, 14 phone calls to SLS ' customer care, using their customer care chat support and several emails I am still locked out of my account.

The SLS customer service refuses to assist, and their promises of responding to email, tier 2 escalations, callbacks have proved to be false so far. More worryingly several agents that i spoke to over the course of 3 months have speculated if they have an " incorrect Social Security Number '' on my account in their system, this is deeply worrying.

I am worried if my mortgage payment is being processed correctly, and if my escrow account is being used fairly. I request a fair and quick resolution to this problem since i have exhausted all avenues.

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