BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: CCS Financial Services, Inc.
State: UT
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:
Credit Collection Services is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Credit Collection Services is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a XXXX account ending in XXXX on several occasions with Equifax, XXXX, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. Equifax, XXXX, and XXXX are not in compliance with the FCRA and are still reporting XXXX on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
In the state of Virginia, citizens pay property tax on vehicles. In XXXX, I leased a vehicle, Honda XXXX, from Honda XXXX, in XXXX, Virginia. Because I leased the vehicle through Honda, my property tax invoice went to Honda, Honda would pay it and bill me for me to pay it. In XXXX, I moved from XXXX XXXX, to XXXX XXXX. In XXXX, I also bought my vehicle from Honda, so the property tax invoiced was sent to me directly, not Honda. I have been paying my property tax with XXXX XXXX since XXXX. However, in XXXX, XXXX XXXX sent Honda an invoice for me to pay property tax and Honda paid it and billed me {$300.00}. This started in late last year around XXXX XXXX. I explained to Honda finance on the phone that I paid my property tax to XXXX XXXX because thats where I live, not, XXXX XXXX, and showed them the receipt. They said I still should pay the property tax that Honda paid off to close the account of {$300.00}. Indivduals I spoken to with Honda stated they agreed with me, and kept pushing my due date out to resolve thr issue with XXXX XXXX. I haven't heard nothing for 8 months but I'm still receiving notices from Honda that I'm past due and this will impact my credit. Also, this same problem will happen in XXXX if Honda and XXXX XXXX doesn't fix it on their end. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on XX/XX/2019 I send it a check to XXXX XXXX XXXX from my financial institution td bank and days later XXXX XXXX XXXX tall me that they do not have the check and when to my td bank and they said that XXXX XXXX cashed the check and print out a copy of the canceled check. 
then we file out an affidavit on XX/XX/2019 but a this time l 'm looking to have a solution from my bank because they had to know who cashed and reimburse or credit to me. 
l when to td bank today and the manager was very angry saying that he doesn't know it make take six months to have an answer, and l ask to have the amount of money credited to my account and he said there is not provisional credit which I think it is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on my Home Depot credit card on XX/XX/2021, that went to my XX/XX/2021, interest-free promotion. I made an additional payment for {$64.00} and called after it posted to have it allocated specifically to a purchase I made in their store for {$64.00}. After being on hold for over an hour and a half, I got the rudest representative ever, XXXX. XXXX would NOT reallocate the funds as Home Depot has done in many years passed, because the XX/XX/2021 balance still had a balance. To which I explained it's XX/XX/XXXX, and that balance isn't due until XX/XX/2021. This is an extra payment to pay a purchase from accruing interest of 26.99 %. Nope, she wouldn't do it. She wouldn't give me to a supervisor either.

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 2022-03-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I submitted a dispute for inaccuracies on my credit report with Experian and received my dispute results and a bankruptcy is still reporting on my credit file and it inaccurate. I submitted a claim with BBB and they still sent another dispute result with inaccurate reporting stating the company reported that the information has certified to Experian that the information is accurate and they will not remove it. Per the law passed in XXXX it states the below. 

Not following the Law passed in XXXX XXXX CDIA and NCAP. I have tried to dispute the inaccuracy of my credit file and have not been successful. I have disputed with Experian several times in regards to a public record of a XXXX on my credit file with no verification and no satisfaction. Due to the new law ( CDIA ) that took place on XXXX XXXX, XXXX states New standards for how tax liens, civil judgments and bankruptcies are included in credit reports will go into effect XXXX XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide conumer reporting agencies ( CRAs ) XXXX, Experian and XXXX- to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report : Beginning XXXX XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at, or frequent intervals as follows : Minimum reporting of 1. Name 2. Address, and 3. Social Security Number and or date of birth. Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. They have not once updated any public records or provided any proof or verification this is mine. 

What they have reporting only has the XXXX court information and some identification number which I am not aware of.

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 2017-10-29
Company: Experian Information Solutions Inc.
State: SC
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 refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for XXXX days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last XXXX years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX accounts were removed.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to XXXX that XXXX XXXX  accounts were removed.

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 2021-05-11
Company: Credit Management Control, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX was the 1st email to the collection company to pay the medical debt. Last email was XX/XX/XXXX. In-between those dates my wages were garnished for the judgment of {$3800.00}. We never were contacted by phone or mail. 
The amount due on the judgment that was filed was paid in full from garnishing my wages. 
The collection company won't sign a Satisfaction of Judgment. I was garnished {$7800.00} double what I owed on the judgment & the collection company still says I owe over {$1700.00}. 
There is nothing in court filed that I owed any more than {$3800.00}. 
I have 3 years of emails with different reasons & different totals. They garnished more than what the judgment was for. At one point they told me the interested goes back to the medical clinic from where the bill came from. I have an e-mail from the medical clinic on XX/XX/XXXX stating they do not get any interest/principle payments. 
Our medical bill was paid for far beyond what was owed & the collection company still claiming we owe more. One e-mail even said from the collection agency the client would settle for less than what is owed, but yet we still paid double of the medical bill to the collection agency & the collection agency is still trying to collect more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good Day! On XX/XX/2022 I received a call from several numbers stating to be a XXXX XXXX XXXX called " XXXX XXXX ''. They said they were in contact because someone bought " Wells Fargo Collection '' accounts and was looking to serve me in court for bank fraud. Sadly, I should have known better as I pay all my bills, but this debt was over 10 years ago and I did have a charge-off account with Wells Fargo in the past. However, I did pay this debt, but someone how this company claimed I owed {$800.00} but was willing to do a SIF ( Settlement ) of {$500.00} to avoid court fees and possibly being served, so I obliged. Thereafter, I had to key in online from a link in the email from XXXX to provide my authorization using my last 4 digits of social and then I received a receipt with debt showing paid. After, reviewing the email confirmation something didn't sit right so I did some digging. It appears this company I paid {$500.00} to is a scam and now I'm worried that I may become a victim of identity theft. The email was XXXX. Address : XXXX XXXX XXXX XXXX. XXXX XXXX, GA XXXX. Tel : XXXX, XXXX, XXXX, XXXX Business listed as XXXX XXXX XXXXXXXX XXXX. Beware as these people were able to verify my past address and my most recent address, and I have only been at my current address for less than a year. They knew account numbers and knew the right amount of information to provide to sound legit. They even knew the date and years of my charged-off accounts. Very scary. I have already frozen all of my credit reporting and accounts to avoid further damage, and hopefully addressing this early will avoid further scams.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been unable to contact TransUnion about disputing the following on my XXXX report, dated XXXX : XXXX. Name shown as XXXX XXXX is wrong. I NEVER go by this name. My name is ONLY XXXX XXXX XXXX, XXXX. The property deed to my only home since XXXX goes by XXXX XXXX XXXX, XXXX TransUnion XXXX remove XXXX XXXX XXXX this is not me!!!!!!!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should be corrected, this account was " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!!! 

XXXX. XXXX XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX, or XXXX, of XXXX I saw on my Transunion Credit Report that there was a Dept of Treasury lien. I didn't I have ..so I called the number they listed it was a Maryland number but it turned out to be some sort of janitorial service. I called TransUnion Repeatedly and subsequently filed a dispute. Dispute # XXXX. And it was removed. Later I found out that there was a settlement for the false reporting I contacted a Law Firm XXXX XXXX in XXXX Virginia, they said I needed a copy of the report, when I looked up my XX/XX/XXXX Transunion credit report the treasury Debt was gone and they said they hadn't reported anything false since XXXX. That is a huge lie, it was on my Credit Report. My Credit Union sent me a picture of the debt on my credit report that was run by them in XXXX of XXXX. 

I never had a debt. Also the Law Firm  XXXX XXXX who are supposed to be the Settlement Administrators, Are telling me they can not accept the photo from my credit Union Loan officer of the Unique identifier number from my Dispute that was clearly filed and resolved. I am complaining 1 ) about TransUnion and 2 ) about the Settlement Administrator.. What are they doing that they can not get the proof from TransUnion to issue my settlement. Are other consumers going through this with this settlement administrator? and did other people have false debt reported on their credit reports. IS it legal for them to remove the Treasury Debt from the stored XXXX 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 2020-05-31
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not owe this debt. Once again I reached out for validation of this alleged debt of {$2400.00} on XX/XX/XXXX. I have a yet to receive a response. At this time I demand the alleged debt to be immediately removed from my credit reports as soon as possible. This is damaging to my reputation. I never got a letter allowing me the time to dispute this debt with them before they illegally attached this to my credit profile in XXXX. Once again I have asked for validation of this alleged debt. They have it listed on my report that it was " verified '' on XX/XX/XXXX. Which is not true. I have not received any sort of verification or validation and because they failed to respond within 30 days. I know this must be removed from my credit report.Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Horizon Financial Management
State: VA
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:
On XXXX XXXX, XXXX I sent Horizon Financial Management a letter requesting validation of a said account on my credit file ... To the present day Horizon has failed to respond with validation nor has my account been placed in dispute and it has been MORE THAN 30 DAYS.. This is a direct violation of the FCRA ... Horizon 's trade line is displaying the following inaccuracies .... Missing account and payment history, No monthly payments, No date of first delinquent payment, No contractual agreement, No estimated removal date, No responsibility listed, Missing close date, and no contact details ... Horizon is in direct violation of the FDRA by not reporting accurate and factual information ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I
've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have
have the original amount as required. In addition, where 's the proof that any investigation was done?

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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