BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: TN
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:
You have lied to me about the accuracy of my credit report. The collection agency said they sent the correct details which they didn't verify. They blame you for inaccuracy of my credit report. You need to understand the U.S Federal laws while operating in the U.S. I have attached the CFPB complaint of them Collection Company statement. If you have conducted a reasonable investigation. LETS READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVENT CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PRROF IN COURT. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX & Equifax says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your Collection Manager so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & Equifax XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS.YOU HAVENT CONTACTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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:
XXXX XXXX eas notified from USAA to return funds in 10 days XXXX XXXX refuses to reply to fax from my bank, which faxed them on XX/XX/2021 to return funds in amount of XXXX in Error during transfer. The account number XXXX is not affiliated to me, and i have not done business with this bank XXXX XXXX. XXXX is not following procedures to refund another bank when requested in Error. my money is in a strangers account. I am not attached to that account so I am told by XXXX XXXX take it up with your bank, USAA has informed me to contact XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I signed up for a Brinks XXXX Mastercard and I never received my card. 

I have called several times to receive a replacement card, so that I can activate my account and use the card. In fact, when I called for a replacement, I was told I cant be issued a replacement because I cant verify my card number, but I never received a card. So it makes absolutely no sense. Then I am told that I owe {$9.00} for account inactivity and either I am hung up on or placed back to the circular automated line. 

I just want to receive a card so that I can use it and have the negative balance waived, sine I never received the card.

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 2017-09-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Within the past week, Equifax has divulged my personal credit information to persons unknown due to lax security, and I 'may ' be affected by this loss of information according to their own services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My social security number is XXXXThe collection agency called XXXX  credit collection has a collections account on my XXXX  report I told credit collection XXXX that it's not my debt but they refused to remove it off of XXXX  credit report I did dispute with XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Information belongs to someone else

Complaint:
I have called and sent in letters to all 3 credit bureaus XXXX, XXXX and TransUnion XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
I reviewed my consumer reports and noticed that I had CHARGE OFFS, LATE PAYMENTS, REPOSSESSIONS, on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/XXXX, I received a letter from Wakefield and Associates, a debt collector located at XXXX XXXX XXXX, XXXX, TN XXXX. They are claiming to be collecting a debt associated with a company named : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I found the address of XXXX XXXX XXXX, XXXX through an online search. 

I have never heard of XXXX XXXX XXXX, XXXX, have not ever done business with XXXX XXXX XXXX, XXXX and have not been in XXXX XXXX, CO. 

The " billing statement '' with a Reference # of XXXX, has the following line items : As of XX/XX/XXXX, you owed : {$1400.00} You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward debt : {$1300.00} Total amount of the debit now : {$100.00} I have not paid anything to this company ever and the credit/payment totaling {$1300.00} is interesting. 

Through my XXXX membership, I have reported this to the Federal Trade Commission. I have also reported this to the XXXX XXXX XXXX. 

Is there anything that you and your department can do to eliminate this fraudulent bill/debt? 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 
This item SOUTHERN MANAGEMENT SYSTEM account # : XXXX in the amount of {$2200.00} is inaccurate because Pursuant to Pacific Concrete F.C.U. v. Kauanoe, statements and consumer contract are not sufficient evidence of debt. My rights under the Fair Debt Collection Act Pursuant to 15 U.S. Code 1692g ( a ) have been violated by SOUTHERN MANAGEMENT SYSTEM for failure to provide a dunning letter or any validation of debt prior to attempting to collect. I was not disclosed of my right to dispute this alleged debt Pursuant to 15 U.S. Code 1692g ( a ) ( 4 ). I am demanding that SOUTHERN MANAGEMENT SYSTEM have the account # : XXXX removed from all consumer reports. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item upon receipt of this notice Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NH
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:
Equifax is reporting 6 Dept of education accounts inaccurately. 
They are in violation of multiple FCRA violations- The three accounts Titled DP OF EDUC- These accounts were removed in XXXX off my credit report, they then reinserted them, and are again reporting inaccurately. The accounts are all three paid and closed -- but they are reporting the Account status as " derogatory '', the payment status is reporting as " Late 120 days ''. 
The comments show that it is paid. This is all inaccurate and not reporting the true accurate status of the accounts. They are also DUPLICATE reporting to the following three accounts listed below. 

The three titled " DPT ED/XXXX These are duplicated with the three accounts listed above Also these are paid and closed as of XXXXXXXX XXXX XXXX  ( I've included the statement from XXXX ). Also they are reporting the payment status inaccurately as " Late 120 days '' and they are reporting a two year history that is over XXXX XXXX XXXX 

I've included all 6 copies of the credit report on each duplicated accounts, with the highlighted areas that are inaccurate. As well as the statement from XXXX showing a XXXX XXXX  and payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: PLS GROUP, INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Saturday XX/XX/XXXX, I did a bill pay at PLS CHECK CASHIERS on XXXX XXXX XXXX XXXX XXXX, Ma XXXX Of {$2700.00} and paid for a next day service Of {$2.00}. To XXXX XXXX XXXX for my Mortagage payment. On Wednesday XX/XX/XXXX, I checked my Mortagage account to see if it was updated with the payment and it wasnt. 
So I then call the PLS phone number on the receipt and I was told to come in store with the receipt, which I did. 
I spoke with the shift supervisor, she contacted PLS customer care, I spoke with the agent, the agent contacted My Mortagage company ( XXXX XXXX ) we were on a three way call trying to locate the transaction, however it was unsuccessful, the PLS agent was unable to track the funds, I was adviced to wait until XXXX for PLS to trace or locate the transaction as the funds were unable to be refunded to me until XXXX XXXX either receive the payment or reject the payment. I called the XXXX XXXX, payment was not received, I then called back PLS customer care, I filed complaint and was advice that someone will get in contact within 24hrs, which no one did so I called back and spoke with a PLS CustomerCare care manger explained to her the issue, ask if she could track the funds, and her reply was that shes unable to track or locate the funds. I asked her what must I do and she said she does not know. Its now XX/XX/XXXX and My Mortagage company still havent received this payment for XX/XX/XXXX. It is now reported to the credit bureau, which will affect the credit rating. 
Please note that I have been making payment using this method since XX/XX/XXXX. Also the account number on PLS receipt is the correct Mortagage account. 
Im just appalled that PLS was unable to track or locate the funds and seems nonchalant about the missing funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, ProCollect added a derogatory mark on my background search for public records as an eviction. Upon further research, this account has been taken care of under my bankruptcy that was filed and discharge XX/XX/XXXX and I am no longer responsible for this account. I have been trying to resolve this matter since XXXX of XXXX and I have yet to receive a reply from ProCollect. This matter has caused hardship in obtaining an apartment or rental house for my family. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt. Im requesting legal action to remove this account as a judgement 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 explanation
Consumer complaint received 2021-10-29
Company: AMERICAN PACIFIC MORTGAGE
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was informed be the loan officer and compliance officer of American Pacific Mortgage that in closing a VA home loan I had to sign my signature with prejudice to my rights, an act I was not accustomed to. Furthermore, it was asserted that I could not sign without prejudice because it was VA policy and that such policy prevented me from doing so. After further inquiry I discovered no such policy exists and the company will not disclose the code they claimed applied which effectively deprived me of my right to defend my rights from an unconscionable contract. It was also reinforced at closing by the notary officer and so I signed in a manner I was not accustomed to but I verbally stated that my signature was only being provided " under protest '' specifically cause felt I was being deprived of my civil right especially with such confusion and mistakes in the process regarding what I paid for my credit and whether there was even a loan or an exchange of negotiable instruments and if the property deed was defective or even marketable. This was acknowledged by both the loan and notary officer present during 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 2023-10-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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 Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
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 Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 2018-10-16
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: Account status incorrect

Complaint:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent 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 2023-10-02
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loan was transferred from Great Lakes to Nelnet for servicing in XXXX. My first repayment is due XX/XX/XXXX and I have been attempting to logon to submit my payment information since XX/XX/XXXX ( today is XX/XX/XXXX ). Nelnet has deleted the mobile app, requiring customers to utilize their mobile website which I have been unable to access since XX/XX/XXXX. I have switched to using my laptop to access the website and it is also not loading, stating volume is unprecedented and to try again later. I am unable to submit my payment information which could result in a late payment and additional interest and fees on my account, which I would not have incurred if I was able to make my payment when I originally logged on. Nelnet 's telephone customer service is receiving unprecedented call volume and I am unable to get through that way as well. I believe Nelnet is in violation of Regulation Z and UDAAP when it comes to servicing student loans.

Company response to consumer: Closed with explanation