BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: The Best Service Co.,Inc
State: CA
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:
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XX/XX/XXXX.  And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
i did not authorize nor consent to any inquiries on my consumer 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 2022-04-04
Company: EQUIFAX, INC.
State: WI
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 report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXX. # XXXX, XXXX acct. # XXXX, has violated my rights.

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

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: NC
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:
Hard inquiries made without my knowledge or permission. 

XXXX : Equifax XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX GARDEN XXXX XXXX CA XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed Equifax Mortgage Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: Trust Financial LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a garnishment notice while I was on Family Medical Leave for XXXX leave. on XXXX/XXXX/XXXX XXXX was garnished from my check. I am a family of XXXX and the only XXXX working, with a XXXX XXXX and just starting back to work from XXXX leave. I called XXXX XXXX XXXX and explained my situation and asked if they could take the garnishment off while I payed them a lower payment. The lady I spoke with told me that the interest is XXXX cents a day. I originally owed the hospital that sent me to collections around XXXX with interest and time it is around XXXX. She told me that the only way I could get the garnishment taken off was to pay them in full. They have since garnished XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I cant pay my other bills due to them garnishing that much money every two weeks. why cant they take smaller payments and why did the original amount I owed the hospital go up so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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:
The Social Security Administration was notified that my SS retirement was started. It was not. The address shown by Equifax was the address that was used to begin drawing Retirement SS by the individual - which was not me. I have requested Equifax to remove the address since I have never lived there and it was used by the individual to try and begin drawing my SS retirement benefits. I am not retired and continue to be employed and will be so for several years. 

The SS Administration has reviewed and completed their stop payments, etc. of my benefits to the individual committing the fraud at the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona, XXXX. 

As mentioned above. I have contacted Equifax to have this address removed, yet to no avail. 

I believe my information may have been part of the information gained by the " hacked '' Equifax database and was used to gain access to my information at the SS Administration. 

Thanks for all your help, Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX reported on my credit there was a bill for services rendered at XXXX XXXX XXXX. I told the person over the phone that there was a XXXX  balance ( paid in XXXX XXXX - all three bills XXXX XXXX XXXX ( 2 ) and XXXX XXXX ( 1 ) ) ; I requested that they send the proof of the bill. I got no response. I challenged it on my credit report and recevied no response. I requested that the proof of the bill be sent from XXXX XXXX and got no response. Then, approximately, in XXXX XXXX, I received notice that XXXX XXXX  had filed a lawsuit to sue for the amount plus court costs and 8 % annum. I spoke with XXXX XXXX and stated it was paid. I was spoken down too and threatened with various things and told I was a liar. XXXX XXXX continued on and tried to tell me to just no show up in court if I didnt believe this to be true. The paralegal also prescribed unsolicited legal advice that it was in my best interest to pay. I esculated the issue with IMC and was told XXXX XXXX was the supervisor and person responsible for the return call. I never received a call. I requested again from XXXX XXXX and XXXXXXXX XXXX XXXX in wriitng and the bills ; I never received them. I was told by XXXX XXXX XXXX that I had a XXXX balance and they would mail the receipt. XXXX XXXX sent an electronic statement of services renedered. I also questioned billing because I had received a refund from XXXX XXXX after I filed a complaint about being double charged for same services by multiple providers. I have appeared in court twice and spoken with XXXX XXXX of XXXX and XXXX, who is the attorney for XXXX XXXX. He said there is no way my statements could be true and told me I can not countersue for more than {$6000.00}, I could not file motions in court if they were in paper copy, and went on how he was going to be calling people to the stand to testify and try to pressue me into settling with him. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX have continued to fail tor espond to written, email, phone call, and faxes. I have over 80 hours invested in legal defense, lost wages, incurred cost to travel, and additional loss when all parties are fully aware this was filed fraudently. XXXX XXXX XXXX is adament that XXXX XXXX is fully aware that there is a XXXX balance and XXXX XXXX continues to argue in court this will take eight hours to settle in court ( seems he is trying to milk a paycheck ) ./

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Account status incorrect

Complaint:
i did not authorize nor consent to any inquiries on my consumer 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 2021-11-10
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: Investigation took more than 30 days

Complaint:
This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX XXXX XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/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 explanation
Consumer complaint received 2021-04-13
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:
fcra violatons : remove not mine XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX - LIVES XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: TN
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 A RESULT OF IDENTITY THEFT.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

XXXX XXXX XXXX XXXXXXXX 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 2021-04-13
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with TD Retail Card Services for my XXXX account. The account was setup for Auto Pay to pay from by bank account, but it seems that the auto-pay gets cancelled frequently if the payment against a purchase is complete and the company then charges late fees and negative credit reporting. Calling the Card company multiple times does not help as they give the same run around. If the account is checked it shows as the Auto Pay is setup and the only time when you are aware that the auto pay does not work is when the late fees are charged against the account. When the auto pay is being setup it is never stated that the auto pay gets cancelled if the payment against a purchase is made and we need to setup the auto pay again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-25
Company: CITIBANK, N.A.
State: NC
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 have a XXXX XXXX XXXX XXXX. I stayed at the XXXX XXXX, a XXXX property and checked out on XX/XX/XXXX. They charged my card {$310.00} which was correct. But then on XX/XX/XXXX, they hit the card for {$520.00} which is incorrect. The same thing happens on XX/XX/XXXX. I check in they hit my card for {$520.00}, I check out on XX/XX/XXXXand they hit me for the correct amount of {$410.00}. So there are two charges of {$520.00} that should not be there. I call XXXX, they advised me that they did not submit the two incorrect charges of {$520.00}. I call XXXX on XX/XX/XXXX ... after 45 minutes on the phone, they advise they will credit both charges and launch and fraud investigation. I get an email the next day ( XX/XX/XXXX ) a document that does not reference the prop XXXX from XXXX. I call XXXX again, they conference in an investigator ... they have closed my old account and sent me a new card. They said they will credit those two incorrect charges as it was not done on XX/XX/XXXX and find out what happened. I get my new card and activate it today. The two charges have not been credited and I can see no transaction history since my last statement on XX/XX/XXXX. I call again today ... they stated they do not know what has happened but will credit my account and launch an investigation. I have over two hours invested in this and they dont have a clue.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX capital one XXXX refused to remove a XXXX $ late fee for a bill that was XXXX $ I was sick for a week, I have always kept my XXXX payed up and never had a late fee. This month i was 3 days late login in to the website, because i had been sick. I payed the balance of XXXX $ and called them to remove the late fee, they refused. I canceled the CC instantly. Banks and leading institutions continue to XXXX the poor while making the XXXX more money then they could possibly spend. This is the reason nobody cares about the planet we live on. when the day comes that we are all fighting over cockroaches to eat, you will know that the banks and the rich are to blame. I KNOW it all ready and so do most.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
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: Information belongs to someone else

Complaint:
I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-11-10
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 would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/22 I did a balnce transfer from Comentiy Bank to XXXX XXXX for the amount of {$3000.00}. 
XXXX XXXX has never recieved the funds. I have made several attempts in cotcting both parties. 
On XX/XX/22 i recieved a phone call from Comenity Bank stating my funds wher sent to XXXX XXXX by mistake and i should contact them. After severla calls to XXXX XXXX  no funds were found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.

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 2021-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After looking at my credit report, I noticed errors with my personal information. 
Listed below are the problems with my personal data. 
Reason : Inaccurate information I am writing to update/correct my personal information on file with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX Experian / XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : Request for Investigation of Unauthorized XXXX Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in XXXX XXXX XXXX and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXXf XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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