BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX, this phone number that I inherited from my deceased mother in XX/XX/XXXX has been the subject of various collection agencies always seeking someone named " XXXX XXXX '' whom my mother and I never knew, did not know, and believe is someone who used this number as an erroneous contact number. 

The other debt collectors called and when spoken with, gave up the chase although one did briefly freeze MY bank accounts as a means of forcing me to provide information, which I did not have. They gave up. 

However, since XX/XX/XXXX, Diversified Consultants out of XXXX XXXX, Florida, have called every weekday, sometimes more than once and when given the opportunity to leave a full name, detailed message, and a legitimate callback number, failed to do so. We monitor our calls so as to avoid excessive telemarketers, which even the Federal Do-Not-Call Registry fails to stop. Had they provided the requested information, I would have either picked up or called them back but they call and hang up or are blocked. 

When I filed complaints with the Federal Do-Not-Call Registry and the FCC, they changed their phone numbers up but still do not leave the requested information. 

After a couple of months, I began blocking their calls so they then used numerous other numbers. I researched the numbers online and discovered that they were Diversified Consultants, a company with a notorious reputation for debt collection. 

Numbers they previously used : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; Numbers they now use : XXXX, XXXX, XXXX, I will not speak to these people as every opportunity they have had to be civil and leave the requested information so I could either speak with them or return their call and tell them my wife and I do not for whom they seek, they never leave the info and just call. 

My wife and I owe no past debts and the debts we do have, we are paying. I believe these people will not leave messages because they seek to get some victim on the line and then go into bully mode. I will not fall for this type of treatment. Please stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have on 3 occasions reached out to Transunion, XXXX, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

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 2018-10-13
Company: EQUIFAX, INC.
State: NV
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 have disputed this collection on this XXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention

they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: DC
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, I was victim of fraudulent activity on my account. 
I will take you through what happened, what the process has been, and why I am sending this complaint to you. 
I received a phone call from a Huntington representitive asking if I had made some large purchases at XXXX and XXXX XXXX ( in another state ). I told him no, I do not shop there/live there and did not approve or make those charges. 
He told me he would close my debit card, and that the charges were still pending and would not go through. Later that night, I checked my bank account, and I had {$0.00} in my checking account. More charges had been made and not caught, or my account was never shut down like the rep said on the phone. 

The charges are the following : XXXX XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} XXXX XXXX # XXXX XXXX - XXXX None of these purchases were made or approved by me. These purchases drained my checking account entirely, and started drawing money from my savings account. 

From XX/XX/XXXX, to XX/XX/XXXX, I have been calling/chatting online daily with Huntington to try to track progress of this fraudulent activity, and to find out when I could expect my refund. I was initially told 5-10 days. When I called last Thursday ( XX/XX/XXXX ), I was told the money should be in my account on Friday, XX/XX/XXXX. It was never deposited on Friday. So I called again on Friday, and I was told to look out for the refund on Monday, XX/XX/XXXX. When I got in touch with a representitive today ( XX/XX/XXXX ), I was told the case was denied and closed ... that a letter was sent to me explaining the reasonings. 

This is absolutely unacceptable. I have been a loyal customer at Huntington Bank for over 10 years. 

I had to switch over a bunch of money from my savings to my checking to cover my bills and rent. I go on a big vacation in a few days and now I am out {$2500.00} that is rightfully mine and am being refused. I now have serious doubts about your internal research team and their efficiency. 
If they were to really look at my account, they would obviously see I am cautious with my money and have no prior history of randomly spending large amounts, or draining my own checking account, or even overdrawing. 

Huntington has apparently re-opened the case and they are investigating it again. But this could take up to 90 days and I have a feeling nothing is going to change with the case so I am taking every action I can to get my money that I worked very hard for, refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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've been disputing a collection account with Portfolio Recovery Associates for over a year. After an unsuccesful attempt to resolve this collection account in 2019, I began sending written communication to them XXXX 2020 & every 30days after that until XX/XX/XXXX 2020. To date, I still have not gotten a response or resolution. Before filing a dispute, I asked for verification of this debt from Portfolio Recovery Assoc. After sending multiple requests with no response, I then sent several requests XXXX to them & the credit reporting agencies ) asking for them to remove this collection account from my credit reports. Portfolio Recovery Associates has ignored my requests for verification & deletion, causing damage to my credit profile for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 contacted Transunion on 3 occasion about fraudulent information being housed on my credit reports ; I mailed them a copy of a police report and they still have refused to remove fraud inquiries on my report. They are violating my consumer rights by still reporting this information as true.

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 2018-10-13
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 checked my credit and there is a collection from Diversified Consultants XXXX. XXXX XXXX XXXX FL XXXX. They didn't contact me in any way nor did they send me any correspondence via mail. It just appeared on my credit file on XX/XX/2018. I had this same issue 2 yrs ago with XXXX and it was deleted off my file once it was resolved due to no amount owed. I have sent them a certified letter to provide me with the original contract with my signature on it to validate this claim. This is required per the FCRA to report on my file or it's a violation of my Federal Right. Sec. 609 ( A ) ( 1 ) ( a ) and 611 sec. ( a ) ( 1 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I began contacting Capital One Auto Finance in XX/XX/XXXX XXXX written letter sent certified mail ) advising them that they were incorrectly reporting information on my credit report ( incorrectly reporting it as a charge off, incorrectly reporting an amount due, and I requested that the repossession be removed from my credit report based on the Servicemembers Credit Relief Act protections ). To date, they are STILL reporting my account as a charge off, still reporting an amount owed when there should be done, and it is nearly impossible to speak with someone regarding the issues I'm having with this loan because once your account is closed they only allow you to speak with their collection agency. Unfortunately, the collection agency doesn't have the information/tools to deal with the problem I'm having but when I contact COAF 's customer service they can't help because I no longer have an account. 

After experiencing financial hardship, Capital One Auto Finance repossessed my vehicle in XX/XX/XXXX & sold it at auction. Once the proceeds from the sale of the vehicle were applied to my account, COAF began reporting a balance due of {$2200.00} in XX/XX/XXXX. I was advised of certain rights & protections available to military servicemembers & their dependents/spouses so in XX/XX/XXXX, I contacted Capital One to request protection under the XXXX. To their credit, Capital One did retroactively apply XXXX protections & made adjustments/credits to my loan account to reimburse me for fees, penalties & interest that I was charged during the covered period. They issued a total of {$2200.00} in credits to my loan account ( see attached photo ). This should have closed my account with a paid in full status but instead, COAF has continued reporting this as a charge off account with an outstanding balance of {$1200.00}. I also requested that the repossession be removed from my account since it was done without court order which is a requirement under the XXXX. 

Capital One Auto Finance has not responded to any of my communications, both written & by phone to resolve this issue. I have no idea what else I can do as I have already given them all of the details & they still refuse to correct this. This problem has been ongoing for over 2years & causing a lot of damage to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed XXXX and have paid XXXX so I feel as though I have more than fulfilled my loan. The apr is 784 %! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt not owed to the credit reporting agencies that is damaging my credit. I do not owe this debt and have tried repeatedly to contact the collections agency to have this debt 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 2018-10-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts on my credit report doesnt belong to me. Ive never did business or sign a contract with National Credit System or XXXX XXXX. I was a college student who live on campus. I never lived in an apartment or signed a lease. Someone stole my identity. XXXX XXXX XXXX is also a result of identity theft!! Ive reached out to bout companies. I wasnt even old enough to get an appointment and Ive never had XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Synovus Bank
State: MI
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:
First Progress Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping XX/XX/XXXXdown 52pts and XX/XX/XXXX down 41pts along with XX/XX/XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, XXXX, and Experian credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account with Wells Fargo was closed and I never received the funds that was in the account at the time of closing.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
We had a home equity line of credit of {$25000.00} with our local bank, formerly XXXX XXXX XXXX / XXXX XXXX, now XXXX XXXX XXXX with interest payments automatically withdrawn from our checking account. Our bank has been through many mergers over the years and it appears they forgot about us. Not only did they forget to withdraw the {$7.00} interest payment, they also neglected to inform us a payment was due and that the line had matured. We never had a delinquency during the life of the loan.

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to TransUnion, XXXX, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals

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 2018-10-13
Company: EQUIFAX, INC.
State: WI
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:
I have made several attempts to correct a problem that I am not getting help with. There is a Fraudelent address on my credit report and it needs to be investigated. I have spent about three years trying to get this resolved, with about four letters to Equifax resulting in Zero results and this is -UNFAIR-to have a company reporting false information. The Fraudelent address is ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX ARKANSAS XXXX- I have never lived in Arkansas . Then there is a second address that is not mine of ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX-I have never lived at this address.

Company response to consumer: Closed with non-monetary relief