BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In XXXX of XXXX I contacted Transunion LLC and XXXX to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX via 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 explanation
Consumer complaint received 2017-08-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, EXPERIAN, XXXX are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #

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 2018-06-07
Company: EQUIFAX, INC.
State: SC
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 contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by XXXX XXXX regarding a loan from XX/XX/XXXX i gas with ace cash express. They started i owed XXXX. I called ace cash express to verify this info and was directed to a collection agency different than the one that in initially called me. They said it was illegal for anyone to add fees to my debt. The Amount originally Owed was XXXX. XXXX XX/XX/XXXX threaten to file with the state and damage my credit file if i didnt Pay immediately. They contacted me via via phone from phone number XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: NCB Management Services Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last Friday my wife and Ii called XXXX  XXXX XXXX credit card division in order to pay and old accounted my wife 's. We were told by the mortgage company we are currently going ough to refinance our home that it needed to be paid and reported to the credit bureau in order to do a rapid restore of her credit. We call XXXX  XXXX XXXX, and they told us we needed to call NCB. Management because they were handling the debt. I asked why couldn't they just call and let them know its being paid. They so no we had to call them. We called NCB they told us it had to be a cash payment through XXXX XXXX we ran out to XXXX XXXX and pulled money out of the ATM to make the cash payment. Monday NCB got payment and sent us a letter that we had a XXXX balance. Today I called XXXX XXXX XXXX to give verbal authorization to allow the credit bureaus to verify the XXXX balance. XXXX  XXXX XXXX said they did have the payment, and it would take them 14 days to get it. NCB said they had already sent it to XXXX XXXX XXXX. Called NCB back and they varied it had been sent. I said it seems punitive to make the customer wait all those days, but the account is paid of. They to me they should have it updated already. The regular wait time is 30 days while the investigate. There was no investigation because it was paid in full. Why make the customer wait another 30 days while you sill put a negative entry in there c edit reports again, but you already have their money. This seems vey good XXXX and a violaltion of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. 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 2019-07-15
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: Charged too much interest

Complaint:
My XX/XX/XXXX Capital One credit card statement showed my balance was {$3200.00} with a due date of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance in full ( {$3200.00} ). On XX/XX/XXXX, I was assessed an interest charge of {$40.00}. On XX/XX/XXXX, I called Capital One customer service to inquire about the interest charge since I had paid the balance in full by the due date. The first person I spoke to said she could not determine why I got the charge and then consulted with someone else. One hour later ( put on hold numerous times ), the other person told me that interest was charged from the time the statement came out ( XX/XX/XXXX ) until the day it was paid off ( XX/XX/XXXX ). I then asked what the purpose of the due date ( XX/XX/XXXX ) was if interest was going to be charged from the day the statement was sent and not the due date. The rep said I had been under a 0 % interest rate for 12 months but the promo expired on XX/XX/XXXX. I asked how I would've known that interest would've started accumulating that day and not after the due date as it is with most companies?? She advised it should have been in the welcome packet I received in XX/XX/XXXX ( over a year ago ) when I opened the account ; she said they don't provide any notifications on the statements. She refused to remove the interest charge and when I asked to speak to someone else regarding the issue, I was advised I would have to call back and get someone else. I then called back and asked for a supervisor again who also refused to remove the interest charge. I explained I thought it was a deceptive business practice to begin charging interest on the date the statement was sent and not after the due date. I then requested to close my account if that is the way the company operates and is unwilling to credit an interest charge ( that should've never been applied ) for a good customer. They promptly closed my account without trying to retain me. I do not think it is fair for me to have to pay the interest charge and am requesting it be removed. I would've paid the balance in full on the day I received the statement if it was stated that I needed to. I never pay interest fees on any card. I feel the way they are handling this promo and interest rate period is very deceptive and an easy way to get unsuspecting customers to pay an interest charge as soon as the promo ends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I was taking care of some personal business at my credit union and I had a few missed calls. One on the calls had said " Debt Collector '' with no phone number listed. Out of curiosity I pushed the button on my XXXX and there was a lady that answer the phone. When she answered she said is this XXXX XXXX and I said no, this is XXXX XXXX. She stated that she was calling to collect a debt and I told her I don't owe anyone so you have you can't be referring to me I pay my bills. 

She then said, " You owe XXXXXXXX XXXX XXXXXXXX {$230.00} and I wan na know what you want to do with this bill ''. I told her I have not been to XXXX XXXX XXXX. She said we have had this bill since XX/XX/XXXXand I wan na know how you want to pay it. I said, XX/XX/XXXX are you kidding me, first of all I need you to send me a copy of this bill so I can see what it is I am supposed to be paying for. She said we already mailed you a copy twice. I stated I have not received any bills from XXXX XXXX XXXX. She then got nasty stating, " You have a good day '' and hung up the phone. 

I then called back to get information regarding who this company was and she hung up the phone. I then called back about 5 minutes later to find out who this company was and a male person answered the phone and when I told him what happened he hung up on me as well. Neither of them EVER stated the name of the business nor were they professional in ANY way... answering the phone with a simple " Hello ''. I was unable to find the name of the company even through a XXXX search. 

However, on XX/XX/XXXX I received an email from XX/XX/XXXX that there had been a change to my credit report and they suggested I log in to view the change. Then on XX/XX/XXXX I received an additional alert from Experian and XXXX XXXX as well. I logged in on today XX/XX/XXXX because I received an alert email from XXXX as well. When I logged in I notice that there has been a collection account added to my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN for {$230.00} and there is an N/A under the business type. I want this information removed from my credit report immediately and this inquiry conducted in a business matter by sending me a bill so that I can either confirm or deny that this is my bill and get the chance to dispute it as I requested, Whoever this person is that is handling this account I want them removed from it and another who has some business ethics and professionalism so that I can get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had a XXXX procedure performed by XXXX XXXX XXXX XXXX XXXX XXXX. Before the procedure, I was given a price for XXXX of {$800.00} and {$470.00} for anesthesia. ( please see attachments # XXXX ) In XX/XX/XXXX I discover a collection on my credit report for {$2200.00} posted by Collection Bureau of Hudson Valley, with original creditor XXXX XXXX XXXX, however, I have never received any collection letters from them before. On XX/XX/XXXX I sent a request to the collection agency ( Collection Bureau of Hudson Valley ) with a request to validate my debt. On XX/XX/XXXX I received an answer from a collection agency stating that they are in receipt of my dispute along with account ledger from the original creditor. They had failed to provide me with any copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/XXXX I sent another mail to the collection agency requesting them to delete this collection record from my report as the amount is incorrect and they failed to validate that this debt belongs to me, and haven't received any answers from them till today. ( please see attachments # XXXX ). I also have contacted XXXX XXXX XXXX and they confirm that that was their mistake and I should have been billed for the amount of {$470.00}. ( Please see attachment # XXXX ) They have never sent me a bill for right ammount, however.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: CrossCountry Mortgage LLC
State: GA
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:
I did not authorize this inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has appeared on my credit report file before and has since disappeared. I called to pay off my medical debt ( $ 255-ish ) with Rash Curtis & Associates to find out that a XXXX XXXX Apartment account still in collections. I have used CFPB before to settle my many credit card debt that I have had due to Identity Theft. This XXXX XXXX Apartment collections account appeared during the time the credit cards were opened, unbeknownst to me therefore without my authorization. I have been living with my parents and have never moved out nor stayed at XXXX XXXX Apartments. My previous partner many years ago stole my social security information and has opened up said credit card accounts under my name and took the liberty added himself as a secondary on all accounts. I never authorized any cards nor did I authorize for him to have this information - let alone rent out an apartment without my consent! I have never missed a car payment on my first car loan, nor my second ( current ) auto loan, credit card payment, nor rent - I have a positive payment history. I have also asked all the company that have forgiven my Identity Theft debts to press criminal charges if possible to my previous partner. If you notice on my account my ex partner also attempted to either open a credit card or a loan and added an address in Nevada to my credit file, he currently lives in Nevada. I have NEVER left California and let alone have an address in Nevada!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  XXXX explained that all the bankruptcies needed to be removed and provided me details of the deletion I need TransUnion to delete their inaurate accounts

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Acct # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 written instructions I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: ALLY FINANCIAL 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:
I XXXX XXXX and XXXX XXXX both has spoken with Ally Financial about two payments we made on our account to get it current. we was told the extra payment went toward the principal we never told them to place that extra payment toward the principal of the loan. We told them we made that extra payment to get our payments caught up. XXXX told us when you make a extra payment we place toward the principal and we told them no that is not correct I told them when I made the payment I was paying last month and this month they said ok. Know it is showing on our credit that we are behind on our truck and we are not. We have tried talking to them and they keep telling us they are going to fix it and they haven't it is still showing late it is hurting our credit very bad. this HAS BEEN GOING ON FOR 5 MONTHS every time I call them they tell me they are going to fix it they still have not fix it this is very upsetting that they would just tell me a bold face lie about they was going to fix it and haven't. I was calling them everyday and they say they are working on it that is a lie.

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: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My former mortgage lender was XXXX, On XX/XX/2019 I received a letter of notification from XXXX that they were transferring my loan to LoanCare , LLC with instructions on where to make payments as of XX/XX/2019. 
I followed the instructions, however, I was surprised to receive a letter from XXXX in XXXX informing me they did not receive my payment. I called them immediately and after some research on their part, they discovered my XXXX payment and gave me a new loan #. I entered the new loan number and in XXXX I paid my mortgage with the new loan number and correct address. 
Now today, I was shocked to receive a letter informing me that my mortgage pmt is two months past due. Again I called immediately but no matter how many times I followed their automated phone instructions to reach a representative, I was bounced out of the system. I am of course, furious. 
I am XXXX y/o, my husband passed almost two years ago and I am struggling to take care of a house and all the responsibilities alone. However, I am doing the best I can and have been diligent about paying my mortgage payment on time. This is so unfair and unacceptable. After checking online, I see that LoanCare llc has a number of complaints against them and I can see why. I do hope you can assist me in resolving this unfortunate situation before it affects my credit. Thank you so much! 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