BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been in touch several times with I C Systems about this medical debt, asked them to send verification of debt as the original creditor no longer has the information on file because it was turned over to collections, I C Sytems response over and over has been they are waiting for verification from the original creditor, Ive received no verification with date of device, the billing creditor or services rendered only collections letters stating past due instead, this debt can not be verified not even by original creditor.

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 2020-02-05
Company: EQUIFAX, INC.
State: TX
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 started an investigation on a few errors on my report starting XX/XX/2019. The first initial letter asking the credit reporting agency ( Equifax ) to verify some accounts and the status of those accounts. Equifax responded that the items and information that was disputed was indeed verified. On XX/XX/2019 I sent a second letter responding to the letter asking for the method of verification and all parties they communicated with as part of the investigation. On XXXX XXXX they responded again stating these items were verified. They completely ignored the method of verification letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
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: Account information incorrect

Complaint:
On XX/XX/2021, I disputed XXXX XXXX XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed XXXX XXXX XXXX as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XXXX, I contacted XXXX and Equifax via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, XXXX XXXX XXXX account is still being furnished on my consumer reports via XXXX, XXXX, and Equifax. I, XXXX XXXX XXXX, never gave XXXX XXXX XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is violating my rights under the FCRA.After many attempts to dispute my credit report I get the same error message.We’re sorry, this site’s dispute functionality is not available at this time. Please wait at least an hour and try again.The above error message occurs any time of day and any day I try to file a dispute.There seems to be where I have been blocked to enable me to file a dispute. Their site allows me to log in but blocks me to file a dispute.

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 2019-07-01
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I have 7 hard inquiries for an auto loan that is severely affecting my credit score. One inquiry on XX/XX/2018, five inquiries on XX/XX/2018 and one on XX/XX/18. 

I have filed a dispute with no solution. This is what is on the equifax website about shopping for auto loans : 'If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from 14 to 45 days. This allows you to check different lenders and find out the best loan terms for you. 
All new auto or mortgage loan or utility inquiries will show on your credit report ; however, only one of the inquiries within a specified window of time will impact your credit score. ' I need these 7 inquiries to only count as 1 inquiry as per Equifax guidelines. Please help resolve this issue!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was destroyed by XXXX XXXX. We finally got policy limits from insurance, and the check was made payable to my wife and me and our mortgage company, PNC Bank. It was for {$110000.00} more than what we owed on the mortgage. PNC Bank has used the money to pay off the mortgage as we requested, However, they insist that their " policy '' is to take at least 20 days to send us the balance we are owed. So, they are profiting from our loss by getting interest on our money. Our home needs to be torn down, as it is dangerous. But, we need that money to tear it down and begin the rebuilding process. 

PNC Bank should issue our check immediately and pay us back interest on the money for the time they held it to comply with their own self serving " policy ''. 

How many other people do they take advantage of in this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
InXX/XX/XXXX, I began to clean up credit report. XXXX was disputed as paid though XXXX ( XXXX XXXX XXXX, XXXX XXXX NJ, XXXX/ ( XXXX ) XXXX ) and removed inXX/XX/XXXX. ( see attachment ) About two weeks later, XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX -- ( XXXX ) XXXX ) added an account for XXXX in the amount of {$900.00} to my credit report. On XX/XX/XXXX, I called XXXX and told them of this pay agreement and asked for it to be removed and sent a copy though U.S. mail. Also called XXXX headquarters number ( XXXX ) sent to ext. XXXX She said that they showed no agreement with XXXX. first puzzle if they showed no agreement then why was debt minus {$730.00} and disputed overbilled amounts from original billing. I called XXXX and they said paperwork was sent to XXXX on XX/XX/XXXX when agreement was paid in full. returned call to XXXX to let know of this and begins run-around. on XX/XX/XXXX, called XXXX to verify receiving agreement and again received run around. XXXX  told me that day that XXXX repeat of sending over contract confirmation would go though recovery and to call ( XXXX ) XXXX  thyis is a computer and I am not allow into it because I do n't know old phone number from XX/XX/XXXX. HELP, PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Account information incorrect

Complaint:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by law

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 2017-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I continue receiving unrequested and unwanted promotional offers for credit cards from  Capital One. I  had this same problem at my previous address and filed a complaint with the CFPB, which you promptly addressed. I hope can fix my current problem too. After receiving several unsolicited and unwanted offers from Capital  One at my  new address, I submitted a 5 year opt out request at  XXXX  on  X/XX/2017   , because I was not certain I had submitted a request for my new address. However, I suspect I did b ecause Capital One is th e only card issuer I have received solicitations from. In spite of my opt out submission I continued receiving offers from C apital One so  on  X/XX/2017    I called  Capital One  and notified them directly that I did not want to receive any more solicitations from their company. I was told my request would be processed wi thin two weeks, a fter which I would not receive any more solicitations from  Capital One . On  X/XX/2017   , approximately  4 weeks after su bmitting my request, I received another solicitation from  Capital One. I ha ve not had any business with this company such that they have a legal right to keep harassing me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus.

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports!

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud.

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: M&T BANK CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have n't used my M & T Bank checking account in over a year. They would n't let me close it, because they said I had walk into a branch to do it. I was n't able to go to a branch because I moved over 1000 miles away from the closest M & T Bank branch.

Over three months ago, there were fraudulent charges on that account. The account had a XXXX balance, so the credit card that was tied to the account was charged as a result of the overdraft protection.

I disputed the fraudulent charges on the checking account and M & T resolved that issue after about a dozen calls with customer service. I 'm still receiving notices that I owe money on the credit card, and I was notified that I 'm being sent to collections. I 've had an additional dozen calls regarding the credit card issue, and I 'm being told that they 'll " research it '' and get back to me. Meanwhile, the credit card issues has already been communicated to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: MI
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:
Disputing a medical collection account from XXXX XXXX XXXX. In that first dispute letter i asked Equifax for proof of verification for the account or delete it. An original consumer contract signed by me. Equifax verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Equifax with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Equifax is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Equifax ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
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: Account status incorrect

Complaint:
I recently filed a complaint against this company ( XXXX ) for reporting negative information to a credit bureau in an attempt to assist the original creditor XXXX XXXX XXXX in destroying my credibility by reporting a paid account as unpaid when they ( XXXX ) gave them ( XXXX ) the money I paid them ( XXXX ) for the debt. As you will see in the attachments. XXXX responded to CFPB by stating they will remove it, as of today they still have n't removed it in fact they have reported to the bureau I owe them. Which as you see in the attachment is not true. I also faxed proof of payment to Equifax who is required to remove it with valid proof of payment. Instead they continue to report the fraudulent account as an unpaid collection when in fact it is paid. My bank never reversed any funds from the XXXX card as XXXX stated in the response from the previous complaint because they could n't. They did however return to me the funds for the check I sent to ( XXXX ) because XXXX mailed it back to me for them. Here again XXXX assisting XXXX in this act of malicious fraud and violation of the FCRA guidelines in reporting. I ask that if both XXXX and Equifax do n't remove this act of fraud that they be penalized for violating FCRA guidelines. Thank you again for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Sometime in XXXX I applied for a credit line increase for my XXXX   XXXX XXXX for the second time and was denied on XX/XX/XXXX due to Equifax missing my credit information. I called Equifax multiple times within the next week to figure out how to solve this issue. On Monday, XX/XX/XXXX, I mailed a copy of my drivers license and social security card to the Equifax Dispute Center because thats what a representative told me to do. On XX/XX/XXXX, I received a letter from Equifax saying they were unable to locate a credit file for one of the following reasons including not having a current file, not having applied credit recently, or not actively using credit in the past ten years. Today, on XX/XX/XXXX when I received the letter, I called Equifax back trying to figure out what went wrong and I was told to resend my same documents. On my XXXX report I see XXXX  and XXXX  but not Equifax. They are not helping me to help them, just telling me to resend things I have already sent, this situation is affecting my background checks and credit line increases in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: General Motors Financial Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with GMFNANCIAL customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/2017 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Diversified Adjustment Service, Inc.
State: TN
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:
As I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have several accounts with the Chase Bank, personal and business, one of those accounts was a Savings Account that will help to cover over payments from the personal checking account and that will help to minimize the overdraft charges on the transactions, the bank stipulate that customer is allowed to 5 free of charge overdraft transactions from savings account to checking accounts, so that was the reason that I opened the savings account. Every month, the bank transfer from my savings account whatever was need it to cover the overdraft expenses from my checking account and if for some reason I use this service more that 5 times a month, the bank charge a fee for each transaction over the first 5 's.  At certain time the bank decide to " change the savings account to the checking account classification '', that way that specific account can't cover the overdraft fees because is not a savings account anymore. I complaint to the customer representative on the phone a couple of times and they really don't care and didn't do nothing about this matter to me. Because that reason, since XX/XX/20 I have paid over about {$600.00} on overdraft charges because the change of my saving account status to checking account without my authorization. That's costing me money!!!

Company response to consumer: Closed with monetary relief