BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Made a payment of {$60.00} on XX/XX/XXXX through the mobile app, and made two other payments of {$20.00} and {$25.00} on XX/XX/XXXX, all from the same bank account. I noticed that my current balance was updated, but it showed that my available credit was still {$0.00}. I called in on XX/XX/XXXX around XXXX XXXX to ask about my account and the representative told me that we need to do some verification and we did, but the last two payments werent posted yet so I decided to call them again after XXXX XXXX. Since the customer service department for my bank account didnt open til XXXX XXXX, the representative asked me to call in the morning to do the verification process. OnXX/XX/XXXX I called my credit card company to get those funds released and so we had to do the verification process again. All payments were confirmed by the bank and the service rep said that I will be seeing my available credit after three minutes. After 30 minutes, I checked it and it wasnt updated at all. Took me at least 3 service reps to get the funds finally released. When I tried to use it at a store later that day, my card got declined due to suspected fraud which was odd because an hour ago before my purchase at a store, I was able to make a transaction online. On XX/XX/XXXX, in the evening, I checked my balance and the available credit was {$0.00} despite not maxing out my credit card. I called on XX/XX/XXXX to ask if there was something wrong with my account. The first service rep told me that my account was restricted and so he released the restriction but I had to call again so someone can help me with the available credit issue. One of them told me that one of the payments ( {$20.00} ) I made was put on hold ( despite being released on XX/XX/XXXX ) and I had to do the verification process again. I asked them to check the history of the calls or notes and they said there was none despite talking to two different people on XX/XX/XXXX in the morning to help me release the funds immediately. I currently can not use my credit card for any purchase because they will not release the funds so I would have to wait for 5 business days again. I will pay my card full and will cancel with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My lease was up XX/XX/XXXX, paid rent & additional charges to include sewage, water & garbage. I was told that everything on the account was paid in full & no special instructions were given to move out. I was told to clean & leave the apartment as it given to me. I was charged for a tv XXXX satellite not being removed, which was not explained to me as a requirement to do before I moved. Also, the blinds I was charged for were chipped when I moved into the apartment 4 years ago. The damages that were stated are normal wear & tear and also petty complaints. XX/XX/XXXX I receive a collection notice from national credit systems that XXXX XXXX XXXX XXXX XXXXXXXX XXXX states I owe a bill. My security deposit was already taken due to the complex stating somethings were damaged & not clean ( after I moved to another state ) No one did a walk thru with me to notate things proposed issues. After taking the security deposit now I have a bill from a credit agency saying I still owe for outstanding balance on my account, which is not true. Also there was no notification of debt to the forwarding address, which is out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: Receivables Management Corporation
State: FL
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:
I'm writing in reference to a Debt collector on my credit reports that is not licensed to collect in the state of Florida. I've tried reaching out to the collector via mail with no response. This company is in direct violation of Florida Consumer Collection Practices Act ( CCPA ) states the FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Receivables Management Corp. in XXXX, SC does not have a license to collect in the state of Florida. They can not collect on a debt. Receivables Management Corp. is in direct violation. This will be my last communication I send before sending evidence to the State 's Attorney General office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, 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:
This is reference to my credit report on Equifax where it shows I have a inquiry thru XXXX XXXX, and I never applied to use or authorize to have my credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: MD
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:
Filed dispute with credit bureau with proof, disputed items was deleted from XXXX. I was denied housing, and received a copy of the furnisher of such recent derogatory reporting. Upon receipt of my credit file I noticed XXXX XXXX continuous updating of erroneous derogatory information to reduce my score, Experian will not allow any further disputes from me via web based on what XXXX XXXX says is correct. 

XXXX XXXX is aware of my dispute regarding fraudulent charges statement paid to a 3rd party without my authorization for savings account in their records posed as an auto loan. Please be advised I was not a member of XXXX XXXX which is a financial institution for teachers employed in XXXX   County, Virginia.

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 2019-04-24
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:
I have contacted both XXXX, and Equifax by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and Equifax and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX   XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and Equifax have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX I submitted several disputes regarding unauthorized credit inquiries on my TransUnion credit report. I was never notified of the status of the disputes, nor did anything become of it. At one point during the process, I was informed the inquiries used my name and information, but had the incorrect social security number. 

When I checked again today ( XX/XX/XXXX ), the credit inquiries are still on my report. 

I called XXXX, the company the unauthorized inquiries are through, and they are unable to find any applications in their system. 

I also submitted the same disputes to XXXX, and the unauthorized inquiries were removed 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 2021-11-05
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Synchrony Lowes credit cards. I paid the account in full. There was an interest charge that was added to the account for approximately {$4.00} that became overdue. I never received a bill, statement, or phone call to let me know that this amount was past due. This resulted in Lowes reporting negative payment information on 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 2020-12-15
Company: U.S. BANCORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a call from XXXX complaining about not receiving a payment. I have automatic bill pay with US. Bank. Upon checking my status with the online banking the account was listed as paid. This has caused my credit score to drop. After paying off one of my credit cards to raise my score. I was told by US bank employee to delete the account and start all over. Which I did. But the results were still the same. Money didn't make it to XXXX and they tell me that US. Bank is sending the money to the wrong place. This is the type of stuff that makes problems for folks.

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 2021-02-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi- I have sent this information to you guys before and this company stalls a few months then add it back to my credit ... it's very disturbing and repetitious. Over a year ago this Debt was identified as a fraud yet IC Systems continues to apply it to my 3 credit reports. 
I would like it to be removed. 
I don't owe this debt of {$140.00} to IC System nor XXXX  XXXX XXXX. Please removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 Convergent Outsourcing Inc. mailed me a letter claiming that I owe XXXX XXXX or XXXX {$43.00} and that this creditor has placed my account with their office for collection, and that I can pay by mail, phone, or internet. It is stated that I have 30 days to dispute this and if I do not Convergent will obtain verification of my debt or obtain a copy of the judgement against me. 
I have been in touch with XXXX through email on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ), and talked with a XXXX Security Customer Service Representative on XX/XX/XXXX ( XXXX XXXX ) with concern about the security of my account, to verify I do not owe money, and that Convergent Outsourcing Inc., is falsely claiming I have outstanding debt and trying to collect money on their behalf. 
XX/XX/XXXX ( XXXX ) I have mailed a dispute letter to Convergent Outsourcing Inc. stating them of their false claim, that I was keeping the original collections letter, and reporting them to XXXX , Minnesota Department of Commerce , Federal Trades Commission , XXXX XXXX XXXX , Consumer Financial Protection Bureau , that I know my rights under the Fair Debt Collection Practices Act, and to not contact me about this debt again. Convergent Outsourcing Inc. has my name and address and hopefully nothing more than that.

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 2018-05-03
Company: EQUIFAX, INC.
State: CA
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 will not investigate unauthorized inquiries on my report Equifax stated that they will not investigate inquiries due to it is not their problem according to FCRA anything wrong with consumer credit report must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.SXXXX Code 1681b In general. Subject to subsection ( e ), any consumer-reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
ALL of The following inquiries listed below are unauthorized and need to be DELETED ASAP : XXXX XXXX XXXX XXXX , XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX  XXXX, XXXX XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX & Inquiry on : XX/XX/XXXX. 
XXXX XXXX & Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : Apr XXXX, XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CONDOR CAPITAL CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The lender at the time was Condor Capital who was later shut down by a court in N.Y. for fraud. I had full gap insurance included in the bill of sale which covered loss of employment. Roughly six month after purchase, I lost my job and couldn't afford my monthly installments and the vehicle was repossessed. At this point the debt was relieved by the gap insurance and I no longer assumed the burden of the loan. I then moved abroad to XXXX and lived there for the next six years. During that time, apparently I was taken to court via XXXX XXXX and never received the warrant for debt as I was living abroad prior and during that being issued. I filed a complaint with the credit reporting agency that this collection was invalid and they removed it from my credit file. Seven years later in XXXX, XXXX XXXX XXXX wrongfully placed a lien on all bank accounts and withdrew about {$380.00} from my bank account prior to the most recent court hearing. Six months passed after speaking me and XXXX is still trying to pursue this invalid debt upon stating to him that I had full gap insurance that covered the vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-19
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification on XX/XX/XXXX, that 75 points were deducted from my credit score because of a debt through Ally Financial that wasn't paid. However, I never received a notification through the mail that I owed anything. My address that they had on file was an old address. I spoke to Ally Financial on XX/XX/XXXX and had them update my old address to my new address on my account, but they must not have saved the address, as the bill was sent to my old address. I never received notification that I owed any debt, as they did not update my address. The mail that was sent was sent back to the collection agency, and no one notified me.

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 2019-04-24
Company: NAVY FEDERAL CREDIT UNION
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:
I ORIGINALLY DISPUTED THIS ITEM WITH XXXX  XX/XX/XXXX FOR NAVY FEDERAL CREDIT UNION IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. XXXX  DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR XXXX TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN  DELETED AND BLOCKED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2021, I called the Loan Star Title Loans in XXXX, TX to pay {$100.00} on an existing title loan. However, XXXX processed the payment as {$400.00} without my authorization. I called back, but XXXX refuses to provide me with her Area Manager 's phone number. XXXX can't cancel the payment either. XXXX committed fraud here, and I want justice. I can't afford groceries now that XXXX processed this payment without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: OH
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank of America charged me XXXX dollar legal fee, because another company asked them for money for an account I owed on. They did not give this company any money. I myself called this third party and paid by bill. Bank of America still will not Ive me back the XXXX dollars when their legal service did nothing to solve this matter. They did not pay them any money.

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