BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: Collection Receivables, 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: Their investigation did not fix an error on your report

Complaint:
Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2017-11-17
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: TX
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:
My issue is that I have 2 accounts XXXX XXXX XXXX XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, XXXX, and Equifax. Hoping to get this resolved and appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was working on a college course with XXXX XXXX  and the course was XXXX , I was unable to pay the balance because of Covid 19 taking me out of work for 2 months was unable to pay forward the balance. 

The total I owe now is XXXX to collection much more than the initial balance.

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 2018-06-05
Company: Shellpoint Partners, LLC
State: VT
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, I believe on behalf of Shellpoint Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
Shellpoint Mortgage currently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, Shellpoint Mortage Services, or any other mortgage company. In fact, I had not applied for any credit from any company.

I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted Shellpoint, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


Institution Information XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off debt in full on XX/XX/20 but the company refuses to send me a " paid in full '' letter/email and will not update the info in a timely manner. When I asked them when the paid off balance would be updated they told me they could not even ensure that they would ever update the info.

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My issue is that I have 2 accounts XXXX XXXX & XXXX  XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, Transunion, and XXXX. Hoping to get this resolved and appreciate your help.

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 2021-09-19
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: Information belongs to someone else

Complaint:
I AM WHO I SAY I AM, I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 U.S.C. 5511 ( c ) ( 2 ) I received a letter from Equifax on 9/18/21 dated 9/8/21?!? Thats a ten day difference I'm pretty sure they are back dating their letters! ILLEGAL. In the letter Equifax stated and I quote " For Equifax to block information under Section 605B on the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report '' I sent you Equifax my Driver 's License, a copy of my Social Security Card, my utility bill displaying my current address ( that you sent your letter to ), a NOTARIZED letter stating the unauthorized fraudulent accounts, and I identified every account that was a result of identity theft in my completed and submitted Identity Theft Report from the Federal Trade Commission. You are violating me and I have already been through enough. How dare you conspire with these companies against me, THE FEDERALLY PROTECTED CONSUMER!?!? Who gave you authorization to report these fraudulent accounts anyway!? I SURE DID NOT!!!! Block this fraudulent information off of my consumer report to cause no more harm, injury and suffering to me and my family.

Equifax is a RESELLER WITH FILE 15 USC 1681c-2 ( d ) ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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: Account status incorrect

Complaint:
I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX  2014.  XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

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 2021-09-19
Company: WELLS FARGO & COMPANY
State: LA
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:
These two companies allowed someone to use my personal information without my permission to apply for credit cards.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is showing an very low credit score and refuses to explain why my score for XXXX is showing XXXX XXXX  XXXX and their score is XXXX. I would appear they a have bad information on my report that should be removed, and refuse to explain to me why it's so low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Last month, I prepaid my car insurance ( XXXX ) early. Then, they accidentally took the payment anyway ( again ). This overdrafted my account, causing {$70.00} in fees. These were EVENTUALLY replaced but I had to wait over a week for my own money. This month, again the account was too low when they attempted to take my payment for the first time. XXXX will retry if denied, without fees accessed. When I dialed Citizens Bank for help, they said, " We can apply for OD protection and/or a line of credit ''. Great! 

So I thought. I was denied both ( surprise ) but charged {$35.00}. For the insurance. Then {$15.00} from an app was charged. I was not denied, simply charged another {$35.00}. 

I expressly told Citizens that they do not have permission to pay out anything that I will be charged for. I'd like my {$70.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i received a voicemail for a " law firm '' representing XXXX XXXX. they left me a voicemail advising I contact them back regarding a personal matter. I called back and asked what this call was for. The collector never verified any information other than my name, MRD or mini Miranda. He told me I needed to give him my credit card or banking account information over the phone right now or he would report this {$150.00} bill to my credit report. I never even received a bill from XXXX, never received a phone call regarding a bill from XXXX  directly. when I originally called and spoke to a woman manager at the XXXX XXXX XXXX she advised she would remove my cc off file and i wasn't under any contract. she personally removed my credit card in the system and I never returned to the gym. All of a sudden I'm getting these calls from a agency that I do not believe is right. I would of paid a {$20.00} month bill and canceled had I known they'd charge me {$150.00} after I spoke to a manager and explained I no longer wanted to be a member as I found another gym. I do no want any other threatening voicemails. I contacted XXXX XXXX and he told me to just email the corporate company and pay them if I want to. Had this manager explained the canceling process I would of went to the gym and canceled had I know they would charge me monthly even though I was not active at the gym. They never once sent me a letter or attempted to call me to reactive my account by getting a new credit card on file, due to a rep manually removing my credit card herself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to CREDIT BUREAU SYSTEMS COL PADUCAH

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 2021-09-19
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
i have recieved ten ( 10 ) emails, ( all emails ) in reference to winnings being held by different banks. the emails state in order to recieve the payoff, i must send the required fee, one notice is asking {$650.00}, another wants {$8000.00}.

I also recieved an disturbing email claiming it was from the FBI, threatning harm if i do not comply with their demands. 

i would like these scammers to be investigated for attacking the general public, especially seniors.

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 2019-09-07
Company: Nelnet, 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: Account information incorrect

Complaint:
FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
Prior to XX/XX/XXXX, my husband and I had credit cards ( gold ) from American Express, but administratively, the card is in my husband 's name with myself named as a second card holder. In XX/XX/XXXX we inquired about getting our cards upgraded to platinum. We were told that the primary card holder would get a platinum card for an increased annual fee of {$550.00} but my card would need to remain a gold card unless we wanted to pay an additional fee of {$170.00}. The only way that I could be the platinum card holder ( instead of my husband 's ) was if we closed my husband 's account and opened a new account under my name. We were told if we opened the one platinum card under my husband 's name that we would get reimbursed the {$150.00} we paid to access the XXXX XXXX on XX/XX/XXXX as well as have immediate access to their XXXX  credit deal ( up to a {$15.00} credit for using XXXX ). Neither the {$150.00} reversal or the {$15.00} credit was provided. I called XXXX  back in XX/XX/XXXX and stated that per my previous discussion with their customer service line I would like to close my husband 's account and open a new platinum account credit card in my own name with my husband as the secondary holder. At that time I was told that we were misinformed and that the secondary card would be free. Based on this information I agreed to sign up for a second platinum card - and stated multiple times throughout the call that I was only doing so because it would be free ( or at least just cost {$550.00} per annum in total ). While I have seen the marketing / customer information regarding a second card costing {$170.00} - I was specifically told that I was going to be free because I would not be getting ALL of the benefits of a platinum card holder, but I would get access to the airport lounges and would have a new card issued to me. Upon seeing a charge of {$170.00} for the second platinum card in XX/XX/XXXX I realized I had been charged, both in XX/XX/XXXX ( for a prorated amount of {$100.00} ) and XX/XX/XXXX, after being told that I was being signed up for the card for free. I called American Express to complain. They wouldn't do anything about the charge in XX/XX/XXXX but stated that they would remove the charge of {$170.00} that was incurred in XX/XX/XXXX. I asked that they review the taped recording of the original discussion to prove that I was lied to in the initial call and they agreed. They have not followed up on this request to prove that the XX/XX/XXXX expense was incurred in error. I have yet to have either the XX/XX/XXXX or the XX/XX/XXXX expense reversed on my credit card bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered clothing in XXXX. The clothing showed as delivered but I did not receive it. I notified the company. I also notified the credit card agency that I never received my order. I was told first that I needed to fill out an affidavit, which I did. Then I was told I needed a police report, which I went and filed. I was given a credit for the items. I sent copies of both of these items to both companies ( XXXX XXXX XXXX and Commenity Bank. ) They then claimed the affidavit was not signed, which it was. They then charged my card again and added fees with no explanation or request for more information. I should not have to pay for something I never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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