BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$860.00} Needs Attention XXXX Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are 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 General 's 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 will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-01-25
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A Fraud Alert was added to my Experian credit file without my consent, Experian has refused to remove this fraud alert after multiple requests. I am also unable to call Experian as the company has blocked my phone number since last year.

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 2017-08-03
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XXXX 2017 and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

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 2017-08-02
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert last week on my XXXX, XXXX, and XXXX credit report that a collection was added on XXXX XXXX, 2017. The company is called Midwest Recovery Systems and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have asked equifax several times even sending them a fax as requested to shut down whatever MY Equifax is. I did not sign up for it, some one put a hold on my credit using thier service and has complete access to my information. The sent a letter by mail that there was nothing to cancel because i have no account. an emaili recieved today that had the following disclosure at the bottom " You are receiving this email because you have a myEquifax account. Please do not reply to this email. For help or support, contact the Equifax Consumer Care team at XXXX. Equifax Consumer Care is available between XXXX XXXX and XXXX  ( ET ), 7 days a week. Or, email us anytime at XXXX. 

They are intentionaly allowing someone to harrass me using my credit profile and refuse to shutit down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION

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 2021-09-22
Company: EQUIFAX, INC.
State: DE
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:
Reference to complaint # XXXX, XXXX XXXX XXXX  ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Netspend Corporation
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I've been trying to get my direct deposit and netspend said they had a problem vefying my idebty when I showed them my id. I just want my money for unployment

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 2020-08-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Im filing this complaint against American Express ( Delta Gold Sky Miles ) concerning renewal fees, interest charges and late payment fees assessed against my account. My credit card account is managed by my son. The credit card that I had with American Express was due to expire the end of XX/XX/2020, and in XXXX I made decision not to renew my card due to COVID, and not feeling safe to travel at my age of XXXX years with the free bag privileges. I paid the merchant purchases owed made in XXXX of {$61.00}, and left the unpaid balance of {$99.00} ( Annual Renewal Fee ) open. Since I didnt understand how to cancel the account on my own, I waited until my son visited me in XXXX to formally close the account over the phone since I was getting billed for the {$99.00} renewal fee. I had received a new credit card from American Express in early XXXX to replace the current one that expired, but NEVER activated it since I had no intent of using it. The remaining facts are as follows : My son made the formal call to American Express to cancel the card on XX/XX/XXXX with me at my home in Michigan. This was done with a representative named XXXX. XXXX was also asked to credit the {$99.00} renewal fee, and small interest charged assessed since I had no plans to continue the card, and that I had NEVER activated the new card upon receipt. She said since it was past the ( 30 ) days ( whatever that meant ), she couldnt remove it and would need to escalate it for review and to get it cleared. The reference number for the ticket was XXXX On XX/XX/20 seeing that nothing had taken place to credit the annual fee and late payment/interest fees on my account, my son called once again and spoke to a representative named XXXX. She said it was still being investigated, and that there should be resolution by XX/XX/XXXX. 

On XX/XX/XXXX we spoke with a representative named XXXX to inquire again the status of resolving this issue. The renewal fee, non-payment fee and interest charges now total {$130.00} as of this date, with another payment date of XX/XX/XXXX looming. The representative said the ticket was closed on XX/XX/XXXX, yet the annual fee, interest, and non-payment fee remained on the account with no communication to me after the ticket was closed. At the end of the call with the representative, he said that the situation would be taken care of and the fees would be credited back. 

On XX/XX/XXXX, I had my son check my account online again. To our amazement, nothing yet had been done by AMEX to rectify our problem, and another {$40.00} late fee had been added. The outstanding balance now is a {$170.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXX XXXX Account XXXX Account TypeLease ResponsibilityJoint Date XXXX StatusPaid, Closed. {$3900.00} written off. 
Status UpdatedXXXX XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$5900.00} Highest Balance {$0.00} XXXX Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE 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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent account was opening in my name. Im trying to get help, I need this problem resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22, I sent a certified letter to XXXX XXXX disputing the debts listed on my credit report in the following amounts : {$810.00}, {$440.00}, {$1000.00}. XXXX, {$420.00}, {$840.00}. I reached out to the company requesting that they validate the debts by sending me a copy of the original contract bearing my signature as evident that I have made an agreement/contract with the above company to pay a debt. I requested that they respond within 30 days as y request to this date and therefore, I am asking that these collects be removed from my credit reports as a result. 

The company has failed to responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Creditors Bureau Associates
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:
CREDITORS BUREAU ASSOCIA Reported : XXXX XXXX, 2021 {$860.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are 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 General 's 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 will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Accurate Background
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2019 Accurate Background check was issued my information for a background check by their client XXXX XXXX and XXXX XXXX it took them 30 day to complete the background check and yet again they submitted incorrect information about my background to their client which hindered me from several job offers, because in the state of Texas XXXX XXXX   is not supposed to come up on a background or be reported or shown to a employer because in the state of Texas XXXX XXXX in Texas is a special kind of XXXX  that gives you the opportunity to keep your XXXX  off your XXXX  record. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly my XXXX XXXX  was XXXX This is reporting inaccurate information that has deprived me of employment which has deprived me of momentary wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my XXXX continentalfinance.net card about 13 months ago due to an extremely high yearly fee that I could not afford anymore to focus on paying down the balance. Since then I have been focused on paying the balance off at 30 % interest. I noticed unfortunately that they have been charging me a $ XXXX monthly maintenance fee ever since I closed the card even though the card is not being used. I asked that they remove the $ XXXX monthly fee because card is not active and they refused. I want the $ XXXX  monthly fee removed for the past 13 months. I spoke with two supervisors, one by the name of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Heartland XXXX is over billing for services that they never provide, additionally we are being billed for not filling out a Merchant services survye that we never received or knew about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Returned for my XXXX at age XXXX and had to borrow money to attend and living expenses. Had around $ 55K in loans when I began XXXX  in XXXX. Got {$17000.00} forgiven after 5 years XXXX XXXX in XXXX XXXX system. At one time the monthly payment was {$680.00} per month. Renegotiated with Navient a payment of around {$300.00} per month since XXXX and been paying on this loan for 12 years ( to other lenders ). Somehow the payment has increased over the past 4 years from {$290.00} to {$310.00}? Still owe over $ 15K and have been denied any Public Service Loan forgiveness twice in the past year. At the current rate and payment of $ XXXX/mo, I still have nearly 5 years of payments. HELP ME PLEASE! I have paid the balance of the original loan and thousands in interest over the years. I should qualify for some type of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MTR - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation