BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Filed 1st complaint ( XXXX ) on XX/XX/2023. 
Company FAILED TO COMPLY WITH FEDERAL LAW 15 USC 1666 AND FAILED TO provide me a written Notice acknowledging they received my Billing Error Notice.

They also FAILED TO COMPLY AND send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

THESE R VIOLATIONS AND THEY ARE LIABLE TO ME DAMAGES ACCORDING TO LAW.

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 2020-02-03
Company: Parnell & Parnell, PA
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX   has handed the collection attempts to XXXX, XXXX, XXXX XXXX XXXX and which they sent to their partner law office Parnell & Parnell. I have never heard or seen a letter from Parnell & Parnell in regards to this time-barred loan. XXXX, XXXX, XXXX XXXX XXXX XXXX hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted XXXX XXXX. on XXXX and they passed it off to Parnell & Parnell in  which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. XXXX refused to give any information and I am not able to reach the Parnell group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX, XXXX  I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
COLLECTION NAME XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
on XXXX purchased a vanilla debit visa card for XXXX at XXXX  when i went to use the card i was told the card had been used i called vanilla card they said the card was not actvided whet back to XXXX  they said the card was used at XXXX XXXX in XXXX XXXX on XXXX @ XXXX for {$100.00} also used XXXX @ XXXX for XXXX I called vanilla they were going to look in to it.has been over 62 days my case # XXXX i called yesterday they said they had no case #. i would like your help getting my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: IL
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:
In attempted to read out to all credit bureaus regarding incorrect addresses and invalid inquiries on my reports however all three credit bureaus have failed to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were in school status and had no problems with credit reporting when service updated my credit report as being 180 days pass due which caused a severe drop in my credit score upon correcting this my credit score went up a little bit but not nearly as high as it was prior.

I contacted them and was assured that the credit reporting error would be fixed. While they did fix the issue the score didnt go all the way back up and they did not update their system and nine days later I got a bill says I owed {$880.00} and that my loan was going to go into default. 

This is a huge problem for me because I have requested consolidation of my perkins loans in with my other loans and this could halt the process for me, which will cause further harm. 

Additional I feel that the school is playing games because I have an open lawsuit pending against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

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 2021-08-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Please remove this unidentifiable collection : debt collection Dept of 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 explanation
Consumer complaint received 2020-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our real estate tax payments are included in our monthly mortgage payments to Select Portfolio Servicing ( " SPS '' ). Over the past approximately five ( 5 ) years, we have received tax delinquent notices from our town, stating that our real estate taxes have not been paid, or have been paid late by SPS. In fear of facing a tax foreclosure, we made all payments requested on the tax delinquent notices.

Over the course of several years, we have received 6 tax notices dated XX/XX/XXXX ( {$390.00} ), XX/XX/XXXX ( {$530.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$460.00} ), XX/XX/XXXX ( {$460.00} ) and XX/XX/XXXX ( {$160.00} ). We made all payments ( tax and interest ). We have copies of all notices. 

We attempted to resolve this with SPS on numerous occasions, via mailing a letter, sending in faxes and making telephone calls. We have yet to receive reimbursement. 

On XX/XX/XXXX, we sent a letter to SPS requesting reimbursement for tax notices dated XX/XX/XXXX and XX/XX/XXXX. We attached the tax notices. SPS denied our request stating that the taxes were current. 

On XX/XX/XXXX, we mailed a letter to SPS, requesting reimbursement for tax notices dated XX/XX/XXXX ( second request for this one ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We attached copies of the tax notices and cancelled checks proving payment. SPS never responded to our request for reimbursement. 

This has been an ongoing battle. 

On XX/XX/XXXX, we spoke with our town who stated that SPS has paid late in the past and some of the monies due were for interest on late payments. 

On XX/XX/XXXX, we also spoke with SPS, and they acknowledged that they had made late tax payments in the past. 

All we want is to be reimbursed for taxes and interest we had to pay because SPS failed to send our payments in or failed to send them in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
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 XXXX XXXX XXXX Account # XXXX, 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

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 2018-05-12
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Professional Credit Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, XXXX USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ( Original Creditor : ). ACCOUNT XXXX TRANSUNION- Account name XXXX CLARO. Account number : XXXX Account name : XXXX . Account number:XXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert 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 non-monetary relief
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My address and phone number has changed. I let the company know but they have not updated it. I have attached the required identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am an XXXX  XXXX, and my money is deposited in PayPal. Only a few refunds have occurred to my money, which is a normal transaction behavior. However, PayPal has taken all my money away, which makes my life very difficult XX/XX/2019 PayPal - negative {$7400.00} XX/XX/XXXX Transfer P PayPal - negative {$7400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$7400.00} Transaction ID XXXX XXXX  info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to adjust or remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
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:
Insuficient funds, overdraft fees, return checks 
 Too many unknown charges fees.

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 2023-02-22
Company: EQUIFAX, 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 XXXX XXXX account XXXX XXXX, 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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: Old information reappears or never goes away

Complaint:
I previously submitted a complaint about this issue, that XXXX XXXX keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if Equifax was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, XXXX  XXXX that should be removed and was closed prior, made an update and a comment and EQUIFAX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, Equifax never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.

Company response to consumer: Closed with explanation