BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and XXXX XXXX XXXX days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( XXXX XXXX day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( XXXX XXXX XXXX XXXX frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes Transunion, XXXX, and XXXX. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., Transunion, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.

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 2021-01-24
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 have sent letter after letter and filed so many disputes concerning these accounts so my lawyer told me to file these papers before i take the three bureaus to court.. The three bureaus have played these games. They have my ID and social so please dont try to play this game that you cant confirm my identity or its not filed by me. Please remove these accounts asap ... Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I always pay the full balance on my credit card every month. However I didnt receive my XX/XX/2021 statement, which caused me to miss a payment. On the XXXX statement, I realized that I missed my last payment. I was also charged a {$25.00} late fee and {$16.00} interest charges. I called Capital One. They forgave my late payment and agreed to waive the {$25.00} late fee. I was also told it was OK to make a payment {$25.00} less than the full amount due, because the {$25.00} charge would be reversed anyway. So I made a payment {$25.00} less than the full amount. That actually incurred another {$2.00} finance charges in my XXXX statement! 

I called Capital One again on XX/XX/211. They reversed the {$2.00} but didnt reverse the {$16.00}. 

Their practice was misleading and deceptive. I trusted them to do the right thing for me. I didnt look at my statement closely enough to understand what I was paying. I paid them something that I should not paid. Now they refuse to refund it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from " McCarthy, Burgess & Wolf '' stating I owe XXXX XXXX {$10000.00}. I contacted XXXX XXXX and they conveyed my account is in good standing. I've contacted the three credit bureaus and put an identity theft alert on my accounts. I do not owe this this debt and I need assistance in this matter. 

XXXX XXXX XXXX ( 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 2021-09-27
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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous complaints against this credit bureau on this website for the same issue that I am complaining about today and this credit bureau has failed to provide the evidence requested and or remove the item from my credit report. This credit bureau continues to state that a XXXX XXXX XXXX account number XXXX that was allegedly owned by me that it is reporting accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and I requested of them ''There Method Of Verification ''. Now they got my request for there '' Method Of Verification '' on XX/XX/2021 and the Fair Credit Reporting Act clearly states that the credit bureau should provide me with there method of verification within 15days of me making the request. Today is XX/XX/2021 and to this date I have not gotten there method of verification and this is a clear FCRA violation. They cant and or they wont provide me with there method of verification but yet they refuse to delete XXXX XXXX XXXX from my credit report when I repeatedly asked them to do so. I keep on getting letters in the mail stating that it is been reported accurately but no method of verification is sent. 
The method of verification should entail : a ) The description of the procedure used to determine the accuracy and completeness of the information. 
b ) Name and address and telephone number of each person contacted regarding this alleged account. 
c. ) A copy of any documents bearing my signature showing that I had any form of banking relationship with this bank and the true status of that relationship now and then. 
d ) No E-Oscar response but a valid investigation was what was requested To this day no method of verification has been received by me and this is a clear FCRA violation.

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 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The consumer reporting agency, XXXX, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with Bank Of America. Even though I never gave XXXX  Permission to furnish my report. I called Bank of America, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. XXXX keeps telling me I have to contact the other party for them to delete it. And Bank of America & XXXX XXXX tell me the same about XXXX. It seems like they dont want to own up to violating my consumer right to privacy.

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 2022-12-15
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: Credit inquiries on your report that you don't recognize

Complaint:
This is my third time submitting this complaint due to fraudulent inquiries on my credit report and yet Equifax refuses to remove them XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Information belongs to someone else

Complaint:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX APEX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX OF XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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 am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I received a letter from ace cash express payday loan saying I got a loan that I didnt receive.They I need to pay by XX/XX/XXXX theyre taking me to and I need to pay XXXX they saying my payment was was return by my bank due to NFS.Theyre taking about taking money out of my check. Can they do that because I didnt receive anything I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to asset care LLC in regards to a medical debt they are reporting on my credit report. I don't recall ever having outstanding debt for a medical bill and never received any notices from any hospital or third-party collector. When I reviewed my credit report last month I was surprised to see this account reporting. I acted promptly and mailed out a debt validation letter on XX/XX/2021 as I am not aware of this debt at all. It has been over 45 days since the letter was sent out and I have not received a response. The letter was sent out certified and I saw that it was received. That said this account continues to hurt my score when it should not be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
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:
This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax and XXXX. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in Equifax it shows XXXX & in XXXX it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from Seterus to Mr. Cooper as of XX/XX/2019. All communications from both companies stated that my autopay information would transfer, but this was not the case. I logged into Mr. Cooper 's website on XXXX, the first day this was possible and upon seeing my autopay was not set up, I entered my bank account details and set up my payment. Today, on XX/XX/XXXX, I went to work and had a voicemail from Mr. Cooper saying my payment was overdue, so I logged in and saw that no payments were pending and my autopay wasn't scheduled until XX/XX/XXXX! 

I tried calling to verify, but reached a recording saying that they are really busy and to try back later, upon which it hung up on me. 

I went ahead and made my payment, manually entering my bank information again. 

Arriving home from work, I logged in so I could change my autopay date from XX/XX/XXXX to XXXX and found out that they are taking out a payment on XX/XX/XXXX and XX/XX/XXXX. I can't afford this as I have been out of work due to XXXX, so I tried calling, but yet again, I got the recording and was hung up on. Now, I am facing severe financial hardship due to their inaccurate website and total lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my right.

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

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

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