BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted XXXX XXXX XXXX company in regards to my account that was charged off. They informed me to contact the Client Services a  collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to XXXX XXXX. So I contacted XXXX XXXX again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to XXXX XXXX and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: DE
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:
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with experian to XXXX, XXXX   drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.

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 2021-10-11
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Trident Asset Management, L.L.C.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am being billed from XXXX XXXX XXXX in XXXX, NYfor medical whom I am currently enrolled in XXXX XXXX XXXX XXXX 3 accounts open on XX/XX/XXXX for {$530.00}. Current billing agency is XXXX XXXX. Also I am a victim of fradulent activities for a account bill of XXXX for {$180.00} opened on XX/XX/XXXX current billing agency Trident Asset management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Beginning in XX/XX/2021, I had fraudulent charges on my account. Capital One found the charges were fraud and adjusted the charges after canceling my card. What they did not adjust was the minimum payment. They are forcing me to make a minimum payment based off the interest of the fraudulent charges. Due XX/XX/2021 was a minimum payment of {$400.00}. Based off advice from their account manager, I paid {$220.00} which is what the minimum payment should have been. She told me the next bill would even out. It did not. Due XX/XX/XXXX was {$480.00}. I paid {$200.00} ( the appropriate minimum payment for MY charges ). Now due on XX/XX/XXXX, the minimum payment due is {$540.00}. I have called numerous times and told they are working on it, but they never do. They just keep tacking on the portion of the minimum payment I didnt pay to the next months bill. The problem is, my minimum payment should never have been that high to begin with. They based the minimum payment off the fraudulent charges they reversed. They told me once a minimum payment is calculated, they cant change it - but they put in a ticket for higher management to do it. Nothing is being done. This is reflecting as late payments and they keep charging me late fees. I am still paying my minimum payments, but Im paying what they would be had i not had fraudulent charges figured in. I just want my minimum payments to reflect what they should be - not based off almost {$10000.00} in fraudulent charges. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: United Debt Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.

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 2022-04-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DATE : XX/XX/XXXX SUBJECT : Victim of Identity Theft of Fraudulent Transaction Dear Sir or Madam, I am writing this to bring into your concern that on XX/XX/XXXX, an unauthorized disputed fraudulent transaction of XXXX XXXX- was executed on my name for apartment lease booking at XXXX XXXX. The XXXX ID XXXX. I beg to inform you that this transaction was not authorized and carried out by me in any physical or online form. I am quite surprised to mention that this is a fraudulent transaction, and I am a victim of identity theft, and I dont make this transaction. I am not responsible to any charges made to this fraud transaction. I have not initiated the above-said transaction. During the date of fraud transaction, I was living in XXXX XXXX XXXX XXXX XXXX  The Fraudster has used my Social Security Number and the items I dispute is attached as a copy of the report I received for the Collection Department - XXXX-Account # XXXX The items I dispute also are attached copy of the report I received. Below is the list of disputed items which make it clear that I am the victim of a FRAUD Transaction. 

1. Identify item ( s ) = Lease Agreement 2.  Current Address = XXXX XXXX, XXXX 3. Original Creditors Name = The XXXX 4. Lease Date and Location XX/XX/XXXX, XXXX, XXXX I  am requesting that all charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Requesting you to please take up this matter urgently and investigate at the highest level and notify me in writing of the results of your investigation and help me in recovering my money back at the earliest possible. 

Enclosed are copies of ( Fraud Transaction Report with all details ), which supporting my position. Please investigate this matter and block the disputed item correct the fraudulent ( charge or debit ) as soon as possible. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureau is reporting an account from XXXX XXXX XXXX. XXXX XXXX XXXX received my personal medical information from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This is a XXXX violation! I did not authorize for my medical information to be sent to a third party. Please remove this account from my credit profile immediately! This is a violation of my rights. Legal action will be pursued if this account is not removed immediately. 

I AM NOT A CREDIT REPAIR COMPANY

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.

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 2020-04-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/20 paid XX/XX/20 statement of {$390.00} ( total remaining balance on account ) in full which was cashed by Mr. Cooper XX/XX/20 XX/XX/20 received XX/XX/20 statement of {$2500.00} including a late fee of {$100.00} XX/XX/20 tried to send several messages through Mr. Cooper website which would not go through. 
XX/XX/20 received check from Mr. Cooper for {$390.00} with no explanation, nothing. 
XX/XX/20 promptly returned Mr. Cooper check of {$390.00} to Mr. Cooper and asked for an explanation of what was going on with statements, payments, late charges, etc. 
XX/XX/20 finally got a response from Mr. Cooper, {$390.00} payment wasnt the full amount owed HOW WAS I TO KNOW?????? They will send a payoff statement. 
WHAT A SCAM HOW CAN SOMEONE PAY SOMETHING THEY DONT KNOW THEY OWE?? 
HOW CAN SOMEONE BE CHARGED A LATE FEE FOR A BILL THEYVE NOT RECEIVED?? THIS SOUNDS TOTALLY FISHY TO ME. 
XX/XX/20 received payoff quote from Mr. Cooper, which included the {$390.00} amount ( less {$.00} ) already paid and the {$100.00} late fee THIS IS NOT CORRECT NOR IS IT RIGHT HOW DOES A COMPANY EXPLAIN CHARGING YOU TWICE AND THEN CUTTING YOU A CHECK FOR YOUR PAYMENT SO THEY CAN CHARGE A LATE FEE??? 
XX/XX/20 received letter that loan is now in default. 
XX/XX/20 sent wire transfer per mr. cooper instructions for full amount of quote. See attached XX/XX/20 received NEW quote dated XX/XX/20 and good until XX/XX/20 ( the date I received ) with an additional late fee. See attached. 
Sure sounds like a scam to me delay correspondence and continue to add on charges. Sounds like Im back to where I started in XXXX have paid the {$390.00} twice and now owe over {$200.00}. In late fees. And that doesnt even count the credit implications. This is CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Yes- my mother 's name still not removed from all of my USAA Banking Accounts. I have contacted USAA about this repeatedly, I have mailed in via XXXX and sent via Mobile Application signed paperwork by myself and my mother to have her removed from my accounts, and today received bank statements with my mother 's name still on them. I have contacted both your organization and USAA several times about this- when is and XXXX XXXX action ever going to take place? I just talked to USAA XXXX 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly!!!! Thank you ... ..I guess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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 2017-12-26
Company: U.S. BANCORP
State: WA
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 made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.

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 2021-06-11
Company: Experian Information Solutions Inc.
State: FL
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 submitted a request to dispute items on my credit report and investigation has taken longer than 30 days, for both companies, XXXX and Experian.

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 2017-07-14
Company: EQUIFAX, 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:
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ). <P/>The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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 to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called transunion numerous times. They lie and say they never received my ft. Buy when I spoke to a XXXX they told me they do see it. Then they tried to say it wasn't valid. Idk who made them the authority in determining if it was valid. I made a XXXX online which is valid and I have did the XXXX XXXX. I demand these inquiries removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: FL
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 filed a dispute with Equifax regarding 2 accounts with XXXX XXXX XXXX in the amount of {$970.00} and {$59.00}. On XX/XX/XXXX Equifax advised me that their dispute was complete and the account was verified. On XX/XX/XXXX I contacted the creditor in an attempt to find out additional information about this account. We attempted to located the account using my ss #, dl, address ( old and current ), phone number, account number listed on Equifax report, and name. After searching for the account well over 30 minutes without finding any accounts, I disconnected the call and called back to speak with another representative who was also unable to locate an account using the information provided. I then requested to speak with a supervisor because again Equifax claimed the account was verified and I just wanted to get it resolved. After speaking with a supervisor, who was also unable to locate an account, she requested that I fax over the documentation provided from Equifax. I immediately faxed over the documentation and followed up on XX/XX/XXXX. I was then notified that no account was able to be found. I then asked to fax some letter over to equifax advising that the account does not belong to me and of course they were unable to do that. 

I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX and requested proof or any documentation provided to confirm that this account in fact did belong to me. I explained to them that after multiple phone calls with the creditor I was unable to verify or locate an account. After speaking with the representative and supervisor I was told that they were unable to provide any documentation that states they are required to validate debt. How am i to resolve an account that does n't exist with the creditor? How is it that Equifax allegedly verified account but the creditor is unable to locate the account?

Company response to consumer: Closed with non-monetary relief