BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I own a small XXXX XXXX XXXX that uses this company called XXXX XXXX XXXX XXXX as my credit card processing company. I found out last month that since my account was created back in XX/XX/2014, every single XXXX XXXX charge that I ran never made it to my bank account. The funds remained in a holding account of this company. Now that they have owned to there mistake, they need to pay up. However the company is now telling me that out of the agreed {$53000.00} amount that we both found to be owed, they will only pay half of it because there policy is only to go back 3 months. This is illegal for them to keep those funds. On top of it all, I paid taxes on that income that I never received because I file taxes based off of my management system. My system showed the income however in reality I never received the funds. Please help me this is a monster company to be doing this to a one man shop. They should have insurance in place for these errors. Which I have asked for a copy of the policy and they do not give it to me. Please help me get my money back, this is hard worked for money by myself. Company name is XXXX XXXX XXXX, DBA XXXX XXXX XX/XX/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 monetary relief
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is crazy guys. I just filed a complaint against Equifax three days ago about not being able to obtain my report for numerous reasons. I explained how I'm about to lose my home in escrow and thousands of dollars in deposit, inspection, and appraisal fees. I described all the steps I took in trying to have Equifax release my credit report or remove a freeze or a XXXX  alert from my credit report so the loan officer can obtain a copy. I even provided a copy of everything I have done to have Equifax release my report such as provided faxed letters to Equifax, e-mails to a data furnisher named XXXX, responses from Equifax, and even a copy of my license and social security card. So what does Equifax do in their response back to me? They tell me to provide a copy of my driver 's license and social security card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 

I'm sorry for the the overly exaggerated ellipsis but then again I'm not. Do they think I'm XXXX? Or are they feigning stupidity and incompetence? Why would they ask me to provide documents I already provided to them numerous times including through your portal unless they were purposefully attempting to agitate me and give me the proverbial finger? This is proof of exactly what I complained to you about. They DON'T CARE and are purposefully negating my lender from obtaining a credit report and therefore purposefully and willingly impeding me from closing on my home. I honestly don't even know if their response to me from this complaint will be in time to close escrow. Escrow has already been extended on multiple occasions and there won't be anymore extensions. I also don't have time to mail in my response and wait for their mailed response back to me as they wanted me to do in their asinine response to me. Please help me. I'm begging you. I don't want to lose this house because of Equifax 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just reviewed my Credit Report and as of XX/XX/2018 XXXX XXXX/XXXX XXXX reported that I have a Debt in the amount of {$280.00}. I contacted the company and asked them to verify the social security number and also the date of birth because I was out of state in college when this charge occurred. The Customer service rep at XXXX stated that this was not my debt because they had a different social security number and also a different date of birth. I will like this to be removed off of my credit report immediately. I am a young college student that is trying to continue having good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I became aware of a student loan debt in XX/XX/XXXX of last year when I tried to apply for a loan. XXXX had my account via my credit report. I notified all three credit bureaus immediately of identity theft. They did a dispute.30 days later it was not removed nor did I receive a response from XXXX. I notified XXXX on XX/XX/XXXX, and the account was closed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$8200.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$6000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$5300.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4700.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$2100.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX  Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX, and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Consumer Finance Administrator, I would like to file a grievance with XXXX XXXX XXXX at XXXX ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ) for filing a collection for {$81.00} with Transworld System Inc. I contacted their office on XX/XX/XXXX and was advised that this collection was for cleaning and exam done for XXXX XXXX on XX/XX/XXXX. Upon checking with XXXX XXXX, it showed that XXXX XXXX paid {$61.00} for cleaning. This is disturbing to me because payment was issued by my insurance and I always have their office administrator XXXX check to make sure that insurance will cover our service before coming in. When they advised me of a balance due, I told them we can apply the {$100.00} coupon that was given to me for any balances not paid. They advised that the coupon can only apply on day of service which is not right because they should have advised me to apply it on day of service because there would be balance due. And neither of these things were done. Now XXXX XXXX wants to collect on this service for XXXX XXXX on XX/XX/XXXX for {$81.00}. I would like for XXXX XXXX to remove this collection for {$81.00} from my credit report ( the statue of limitation in CA is 4yrs ), honor his coupon for the exam charges and adjust the balance owing as XXXX XXXX did pay {$61.00} for cleaning. Attached are XXXX XXXX payment to XXXX XXXX and XXXX coupon for a {$100.00} discount. If you have questions, please call me at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States/ have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

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 2018-03-28
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CONTACTED THIS COMPANY TO GIVE MY MEDICADE INFORMATION THEY REFUSED TO RE-BILL. THIS IS EFFECTING MY CREDIT ILLEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

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 2018-02-15
Company: CITIBANK, N.A.
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This related to CITI 's refusal to adequately resolve a dispute with XXXX  car rentals for the mechanical breakdown of a car in XXXX on XX/XX/2017, within an hour of receiving the car. The total amount charged was {$2200.00}. I have detailed this matter exhaustively in a complaint to CITI, describing both XXXX 's fraudulent charges, and CITI 's poor handling of the matter. My statement is over 10 pages long and includes 71 pages of supporting documentation. I therefore will attach it all, rather than repeat it here, at the appropriate step. XXXX, who has refused to respond to my efforts to reach them, also has offices in the United States ( an address is provided at the close of my letter ).

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 monetary relief
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: NC
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 have disputed a bankruptcy that has been reported on my credit profile by Experian. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to Experian. Experian replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. Experian is being dishonest. I have attached the correspondence from 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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts listed on my credit report that do not belong to me, nor did I authorize these inquiries to be pulled. Please remove them from my 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 2022-08-06
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered a consumer credit transaction with DISCOVER in XXXX of XXXX. I never asked them to send me a bill. in XXXX 0f XXXX  they sent me a bill. In this bill were FDCPA violations 15 USC 1692b ( 5 ) using symbols and profane language, 15 USC 1692 ( f ) charging interest on a consumer credit transaction, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. And violations in FCRA 15 USC 1681a 3 ( f ) aiding and betting debt collectors and agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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: Information belongs to someone else

Complaint:
Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.

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 2021-11-29
Company: EQUIFAX, INC.
State: NV
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I SENT A CERTIFIED FTC INDENTITY THEFT AFFIDAVIT WITH SIGNATURE CONFIRMATION WITH PROOF OF MY ID TO EQUIFAX IT WAS RECEIVED ON XX/XX/2021 BY EQUIFAX AND SIGNED FOR BY XXXX XXXX EQUIFAX NEVER RESPONDED OR REMOVED THE ACCOUNTS LISTED BELOW TODAY IS XX/XX/2021 IT IS A VIOLATION TO NOT REMOVE THESE ACCOUNTS OR RESPOND TO MY REQUEST IT HAS BEEN OVER 60 DAYS section XXXX OF THE FCRA states that if this account is the result of identity theft, then it must be removed from my credit report. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY I HAVE ALSO ATTACHED MY PROOF RECEIPT OF MY PAPER WORK BEING DELIVERED AND SIGNED FOR BY XXXX XXXX OF EQUIFAX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent dispute letters to the collection/debt collector and XXXX, XXXX, and XXXX over 60 days ago and still no response or have yet to verify these accounts. The credit bureaus are reporting false information and are compromising my credibility. I would like these accounts to be removed and deleted immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: PA
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 the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow suite as well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from wells fargo with them offering me medication. Wells fargo told me that it could be any issue that i had with them. I sent in my problem i had with them. I received a updated letter with them stating that they would not proceed with medication, because of the issues that I raised was not regarding the unauthorized account opening.

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