BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has attempted to collect a payment since XX/XX/XXXX and has forwarded this alleged debt to XXXX XXXX XXXX ( EDP XXXX ). XXXX XXXX XXXX continues to send me debt collection letters. My account with XXXX XXXX ( XXXX ) was canceled in XX/XX/XXXX with no remaining balance -- returned all the equipment. If there was a remaining balance, according to California consumer debt laws, after four years a debt can not be collected. The time lapse was completed In XX/XX/XXXX. I want the negative credit reporting from XXXX XXXX XXXX and XXXX XXXX to be deleted from XXXX, XXXX, XXXX XXXX and XXXX, per California laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AXOS FINANCIAL, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had cancelled a XXXX  service, XXXX, in early XXXX after numerous complaints of service failure dating to late XXXX. Despite my attempts to cancel service, my Axos bank account was auto-drafted two different service fees, XXXX and XXXX, even with no service ; one for home use and another for business, which I'd disputed. Then after I was able to cancel service, XXXX in response drafted {$39.00} from my account for equipment that I'd already purchased, then said I'd have to return it and email proof of return with a tracking number, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. Meanwhile, I had disputed these drafts with my bank, Axos, on XX/XX/2015, XXXX, and several times in XXXX the last of which was XX/XX/XXXX. Axos said I'd have to provide proof of cancellation, requests to cancel, and provide a signed affidavit. I did so, yet to date, I still have not received any recovery of fees drafted that were without my authorization or knowledge, and after I had cancelled the service and had obtained proof the service was cancelled. My frustration is with the service, but also with my bank which has promised resolution but subjected me to delays without any. This seems to be a pattern with this bank, but also results from a real problem involving online merchants exploiting and abusing customer bank accounts and the access they'd been granted for specific charges that in no way intended to grant lifetime recurring charges for defective, unwanted, or cancelled services. I learned from one online merchant this week that even after a customer has deleted a payment method and/or cancelled a service, the card number stays in the system where it could be easily accessed/charged again with or without the customer 's approval. I learned from a second merchant ( representing XXXX ) that any debit or charge card used then suspended or removed from an account or service actually remains where the merchant places a hold on it just as gas stations do when paying at the pump. This spells big problems for customers and even worse concerns about merchants, online or those who use auto-pay as either an option or requirement, are compromising and exploiting customers who, like I, do not have the financial luxury of maintaining endless subscriptions or services ; nor who are able to pay bills at various times of the month, because of one-time monthly retirement payments. This is not the only time I have been hurt by these problems, and I will be submitting other complaints involving banks refusing to block or recovery drafts that I'd not authorized or after I had either blocked or suspended. It has devastated my credit due to charged off accounts that were overdrawn strictly due to unauthorized auto-drafts and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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- credit inquiry unauthorized XXXX XXXX- unauthorized inquiry more than once. 

XXXX-unauthorized inquiry XXXX XXXX unauthorized inquiry more than once. 

XXXX unauthorized inquiry XXXX XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry I have contacted each creditor they all have told me to contact transunion and transunion keeps telling me to contact the creditor.

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 2019-07-16
Company: EQUIFAX, INC.
State: TN
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:
Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were ever any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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 status incorrect

Complaint:
I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
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 information incorrect

Complaint:
All  XXXX  credit bureaus are susceptible to allowin g    XXXX   XXXX   to show incorrect information. I 've tried to tell the credit reporting companies a nd   XXXX   XXXX   a million time s, tha t    XXXX   XXXX   debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still shows a  XXXX   XXXX  etc., which is not accurate.

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 2022-04-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX  XXXX Acct # XXXX, has violated my rights. 
XXXX XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 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 explanation
Consumer complaint received 2017-09-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied. 
To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "

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 2017-09-27
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got divorced in XXXX and I got stuck with a credit card bill that I could not afford to pay. I was taken to court and the judge ruled in XXXX Banks favor and I did owe this bill. I get XXXX in XXXX and XXXX in XXXX and the judge said they won judgement but could not collect.In XXXX they served garnishment papers on any income tax return I get, but I dont have to file as Im way below the poverty level. I got a official looking court document on XXXX XXXX XXXX the next day I called the courthouse and was told no court papers had been filed and to ignore or contact the lawyer listed. I did not contact him as hes not pleasant. But I did notice he signed a scrawled name in spot where the judge or clerk signs. Here is the name of lawyer XXXX XXXX XXXX XXXX Mi. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MN
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 following credit card accounts listed on my Equifax credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account # : XXXX, and XXXX XXXX XXXX XXXX XXXX Credit Card Account # XXXX XXXX. There are fraudulent changes and transactions on the accounts that are not my charges or transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: Midwest Recovery Systems
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: Account information incorrect

Complaint:
Opened a pay day loan in XXXX with XXXX. Had several before and paid them all off when payment was required. The last one I took out in XXXX, I was unable to pay back at the time due to hardship. They sent it to collections and kept transferring it from one collection agency to another. In XXXX, XXXX XXXX XXXX called me and I was finally able to pay it back. They told me they owned the XXXX loan now and we negotiated a settlement in good faith. I sent a certified check in the amound of {$800.00} and it was paid in full and satisfied. Letter attached. Over the years several other companies call me and want to collect on the same exact debt. I fax them the paid in Full letter and they leave me alone. Well, this awful company, Midwest Recovery Systems, LLC, never called or emailed me or anything. They just opened a collection entry on all of my credit reports. I called them immediately very upset and sent them by fax and email the paid in full letter and every time I call them, they say they never received it and I feel this will never get taken care of. Please help. They are scammers and I did pay it off in good faith. These companies just keep selling old debt even if it 's paid in full. I called XXXX this past Monday and they verified with me that this is the same account number that Midwest Recovery Systems is trying to collect on. Please help get rid of these scammers and fraudsters. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Account # XXXX ( Since 2009 ) So I owe Navient private student loans. For the past 8 years I have paid Navient some type of payment. Even when I was going to school. I know they recently combine my loans into one billing and they are now charging me only 1 % but it is still too much. It is at XXXX but I'm laid off and once again I called today to ask how much have I contributed to my loans? My student loans were around 8k, and that 8 years ago and I still owe XXXX. So need to know if Navient has added unnecessarily interest. It seems like I've been in a never ending cycle of debt with Navient. I need {$0.00} payments. I need this because for the past 8 years I have paid over and over again some type of payment. I need forgiveness for this loan. I'm going through a lay off and the same hardship for the past year now. I need forgiveness and I need this loan forgiven once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I used a forbearance from XX/XX/XXXX until XX/XX/XXXX. I completed partial claim paperwork and I began making my mortgage payments again in XX/XX/XXXX. Amerihome did not properly process my partial claim and misapplied my XXXX mortgage payment to XX/XX/XXXX causing each months payment since to be applied to the previous month. I have made no less than 100 phone calls to resolve the issue and each person I speak to does not have full access to my account information. Some agents are able to see that I made all of payments and some tell me these funds have been misapplied. I have requested my payment history which clearly documents all of my payments and where the misapplication occurred. I have spoken with several supervisors who promise to fix this issue however it has not been addressed as of XX/XX/XXXX. This is negatively affecting my credit. I can not refinance, I can not sell, I can not separate myself from Amerihome until they fix this issue and correct my credit report. I have started receiving letters threatening my right to live in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Incomm Holdings Inc.
State: CA
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:
I received a Vanilla Visa Card as a gift in XX/XX/XXXX. The value received was {$200.00}. I tried to use the card for the first time a couple of weeks ago, and was unable to use it. I checked the balance online and the value was zero. When I checked the balance online, I could see that the starting balance was {$200.00}, and that it had been used on many occasions and depleted to zero. I did not use this card at all and did not make any of the purchases. I believe someone hacked into the account and stole the card. I have contacted Vanilla and submitted a dispute packet on XX/XX/XXXX. I have not heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving around 10+ calls per day from Discover Financial in an attempt to collect a debt. The calls are robo calls and when I check my voicemails the recording states, " Please hold on the line while we connect you to a representative. I have communicated with Discover several times trying to work out payment plans but keep getting all of these robo calls ever day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
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: Information belongs to someone else

Complaint:
There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.

Company response to consumer: Closed with explanation