BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the XXXX credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.

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 2017-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2020-02-21
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX in XXXX. I closed the account and switched to XXXX and was with XXXX for the following 15 years. I started receiving calls from XXXX and then from a debt collector stating that I owed {$660.00} for air waves which are devices placed in a home to increase cell service. They stated that I had had an account with XXXX from XXXX-XXXX. I was very clear that I closed my account with XXXX in XXXX and they could see that my contact information on file was from XXXX ( a college email account- I graduated from college in XXXX ). I disputed the account in its entirety and was told it was a common issue, when a customer closes an account but it doesnt get closed and someone else uses it. I didnt hear anything for one year, then received another collections call. I went into my local XXXX store to inquire as to the legitimacy of the call and was assured that there was no account on file and the collections call sounded like a scam but was advised to call their 800 # to confirm. At the 800 #, I was told that there was a closed account, which should be the case since I closed it in XXXX, but the rep told me that since I couldnt give her the account password, she couldnt tell me any details, and none of the contact info on file belonged to me. My credit report updated today and it says I was reported to collections and it is now on my credit! I have never had a collection, my score was over 800, and I have not had a XXXX account since XXXX at which time I closed it. I never had an air wave when I was with XXXX, either!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Remitly, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Remitly, a XXXX, Washington-based financial services company, attempted to fraudulently access my XXXX XXXX checking account to steal money and send it from the US to XXXX. 
This fraudulent transaction was noticed by my wife as a pending transaction and she immediately contacted XXXX XXXX to explain what was going on and place a Stop Payment Order. XXXX XXXX acted immediately and no monies left our account. 
Meanwhile, my wife continues to receive email notifications from Remitly trying to re-establish account service. 
Date : XX/XX/2022 XXXX XXXX XXXX XXXXXXXX Co Name : Remitly Inc Amount : {$2900.00} We have nothing to do with Remitly. Never had an account. Yet they continue to fraudulently reach out to us to establish a connection and no doubt re-attempt to steal money from us. 
I have attempted to contact Remitly 's fraud department but the automated voice response system indicates an 85 minute to 90 minute wait -- again that is egregious and should be placed under a separate complaint. 
Nonetheless, I look forward to a response from the CFPB. I am searching for additional options to proactively prevent them from contacting me or my wife as well as trying to re-attempt stealing money from us. Any assistance you can provide in making this happen is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: CO
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 ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit acceptance corp has sent me a summons and also bankruptcy attorneys have sent advertisements but to my boyfriends parents house, somewhere I have never lived, and this is someone I dont have contact with. I dont owe these people money but after going to court connect I see a lawsuit for me, they have the wrong addresses, I have never lived at XXXX XXXX XXXX I have never even used that address for anything. They have never sent me anything personally, this was a loan taken out by my ex husband in XXXX  and that was XXXX XXXX XXXX which is beyond the statute of limitations, as far as I know, no payments or even communication have been made with this company, sending my personal information to people I am not even related to is beyond a breach.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, Experian is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, Experian is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, Experian is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting

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 2022-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/22 I noticed XXXX pending charges from a company or business named " XXXX  XXXX XXXX '', {$370.00} and {$450.00}... I immediately called Huntington Bank to report this fraudulent activity and have the pending charges stopped before they were completed, I was told by the bank customer service that the charges could not be stopped because they were debit card charges, and that someone must have gotten ahold of all the information from my debit card when I physically used it, the bank did however deactivate my debit card ... the last XXXX places the card was used were at XXXX  and XXXX... the charges appear to be from XXXX California, a company named XXXX XXXX  ( XXXX stands for XXXX XXXX XXXX ) ( XXXX XXXX  XXXX  ), it is a gift card service in the state of CA, it was created by the XXXX  XXXX XXXX , and it is used to make purchases at local participating businesses in the following CA cities/counties, 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... I found all this information by just simply doing a XXXX search ... let me be clear, I do not know who this company/business is, I did not authorize them to do any charges to my bank account, I did not give them my debit card information, I do not have any friends or family that live in California, and the service would not do me any good unless I were to physically visit one of the participating businesses in participating cities or counties located in CA, so why would I have authorized this service to make charges of any amount to my debit card? Huntington Bank failed to stop the unauthorized pending transactions after I reported them, the amounts put my bank account into an overdrawn amount, overdraft fees were charged to my account by the bank, and they have not bothered to investigate the situation at this point, as my bank account has still not been credited for the fraudulent charges that I reported to Huntington Bank more than 2 weeks ago ... it is clear that I would not benefit in any way by authorizing this XXXX  XXXX  service to make charges to my bank account using my debit card, and I did not do so ... and the fact that Huntington Bank has taken their time in handling this issue, which has left my account unusable is unacceptable in my opinion... I have no idea how my debit card information was stolen or accessed by the individual that used it, but I want this issue handled immediately, and I want credits issued to my account in the XXXX amounts that were fraudulently charged by the XXXX XXXX service on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names XXXX Transunion XXXX Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear collection agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, 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 2018-07-14
Company: Meridian ARG Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX I took out some pay day loans when I was financially stressed. I believe that everything was paid during that time as they took funds out of my account. Now, my bills are paid, I have great credit and It is XXXX - this company keeps calling me, calling my distant family, threatening to sue me, attach my wages, attach my social security and telling me I have a bounced check. They leave messages on my voice mail with my social security number on it. They will not confirm who the creditor is or contact me in writing. I asked them to send me a demand letter in writing and I would research it but they just keep calling me threatening to sue me saying I will lose ALL OF MY RIGHTS if I go to court. The " process server '' calls me and says his name is XXXX XXXX but does not leave a phone number. The return number is a courthouse number and there is no XXXX XXXX listed as a court process server for XXXX County. These people are trying to collect on a debt that I believe was paid, but at best is past the statute of limitations, refuses to send a demand letter, and is threatening actions that they can not do - ALL OF WHICH IS AGAINST XXXX XXXX AND THE FAIR DEBT COLLECTION ACT. Please stop this company from continuing to do this. 
XXXX XXXX XXXX XXXX, XXXX case # XXXX XXXX XXXX ( alleged process server ) XXXXXXXX XXXX XXXX  and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a similar complaint in XXXX of XXXX. Bank of America " fixed '' their system and now the same thing is happening again. My checking account and mortgage are both with Bank of America and I also use their electronic bill pay system. Unless I pay my mortgage on the EXACT DUE DATE, their payment system processes the EXACT MORTGAGE AMOUNT as a Principal only payment. 

I have to spend a minimum of XXXX minutes, if I'm lucky, ( if not it can be an hour or better ) EVERY TIME I pay the mortgage. This is beyond frustrating and and HUGE waste of my time. Additionally, this messes up by taxes if the payments aren't correct in time AND there is absolutely no way to tell what is happening with the mortgage with them back things in and out of the system. 

THIS IS A NEW COMPLAINT, as Bank of America fixed the last issue on XX/XX/XXXX. This started to happen again in XXXX. Again, I wait until I receive the ebill and pay from their system. 

My payments for the following were processed incorrectly : Mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX was misapplied to principle and in additional the the mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX. Working in the IT field I would assume they have BUGS in their program that are causing this, but I should be compensated for them WASTING MY TIME each and every month!! It isn't like I'm paying the mortgage a month in advance. They need to FIX their mortgage payment system once and for all!!

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 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
unauthorized inquiries on XX/XX/2018 on my cr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with XXXX and Kohl 's? XXXX XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.

Company response to consumer: Closed with non-monetary relief