BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
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: Account status incorrect

Complaint:
During XX/XX/2020 and XX/XX/2020 my payments report in good standing ( OK ) as on time payments. Thirty days after my XXXX payment XXXX XXXX reported a sixty-day late payment for XX/XX/2020. There was never a notice statement of outstanding balance for XXXX. A sixty-day late payment for XXXX proves an error. For direct citation concerning this matter please reference 15 USC 1666 ( A ) & ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX such authority. According to 15 USC-81s-2 account is in violation of multiple subsections because not only are the late payments being reported inaccurate they are also being reported during COVID 19. In good faith I have conveyed my hardships with XXXX XXXX on a recorded line concerning the national pandemic and how it impacted my day to day well being, but yet they furnish my report with derogatory marks lessoning opportunities of progress via mortgage, jobs, and other loans that I can leverage to better myself in such trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I found my Wells Fargo checking account {$1200.00} ( figure rounded ) overdrawn! After some research, I found that on 3 occasions, my account was overdrawn when a stimulus was deposited, so I was issued a temporary credit. All three were reversed and charged back to my account yesterday along with 3 overdraft charges of {$35.00} each. 
Since I was unaware this happening, not notified in advance and never authorized these credits, is there anything I can do? I spent hours on the phone today with the bank, being transferred 4 times and placed on hold up to an hour at a time, was " accidentally disconnected '' once but told there was nothing I could do each time. This will cause my daughter and I to be evicted and XXXX by the XXXX when rent os due. Do I have any options? 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Nelnet, Inc.
State: LA
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:
Department of Education keeps a balance on my credit report, reflecting as a late payment. This debt was settled on XX/XX/2016 for {$940.00}. No further payments are due, however, this still hasn't reflected settled. Missed payments are still showing on the report and it will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Transuion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Transunion written permission to furnish these accounts. 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Santander requested that I provide documentation of inaccuracies and requested proof while stating that they were not going to change information. I believe that they have retaliated against me as I have made a complaint concerning inaccuracies in my account. They have asked for information that they had in their system ( as to payments pushed back to the end of the loan ) and have submitted 30 and 60 days delinquent payment. This company has been manipulating data for the past two months to try to make their reporting better when the documentation that I am providing speaks for itself. I have their payments transaction confirmations and signed extension forms. They have not addressed the team members that have not been professional and they have condone the harmful behavior that has an impact on families. I would like a real resolution and not something that has been pushed under the rug. Like correct the mistake that your team has made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 did not give consent as the consumer/ natural person and my privacy was violated. This is harassment deceit, coercion, and intimidation. 15 usc 1681 a state 's communication of that information among persons related by common ownership or affiliated by corporate control. Communicaton of other information among persons related by common ownership or affiliated with corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons.

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 2019-04-11
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report lists XXXX XXXX XXXX ( XXXX ) as the original company with my XXXX XXXX Credit card. However, multiple other companies have reached out to me to collect a debt I settled. In XXXX, AllTran was the first company to is seek to collect the {$820.00} on behalf of XXXX. I searched online for XXXX and the website directed me to XXXX. Then, I got emails from XXXX, to settle this account for {$280.00}, I took that offer and paid that amount around XX/XX/XXXX, and received an email stating my account was now settled. After making the payment, XXXX, emailed me back to tell me, they no longer handling to account, that XXXX  is. So, I replied and told them I will take back my payment as that's not what was agreed upon. They replied stating the account was settled. 
I received a call from AllTran in regards to this account. I am not sure who exactly is responsible for this account as I have settled this account and should no longer be responsible. XXXX  should not be able to keep trying to collect any more money from me. I agreed to pay XXXX as agreed and this is also who is listed as the company that debited my bank account. I'm frustrated and confused as to why multiple companies on behalf of XXXX is still trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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 disputed the account XXXX  XXXX with Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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:
am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had my credit pulled due to me attempting to purchase a home.XX/XX/XXXX Upon pulling my credit report I noticed an account from XXXX XXXX listed in the amount of XXXX. I contacted convergent and told them it was a fraudulent account. The representation advised me that the account had been verified over a year ago and that the debt was mine. I then spoke with a manager that advised me that I would need to pay the debt in full and there was nothing that he could do. Time and time again Convergent has refused to validate the debt as requested in writing. The first contact was in XX/XX/XXXX. I am a XXXX XXXX XXXX veteran and after serving this country I feel that I should at least be treated fairly and Convergent has not expressed any want to resolve this issue.

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 2017-12-18
Company: Advanced Call Center Technologies, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a voicemail today ( XX/XX/17 ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from Advanced Call Center. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, the following accounts has violated my rights : XXXX XXXXXXXX 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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Movement Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX. 

Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information. 

To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.

Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail. 

Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.

Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information. 

I believe I was unfairly refused this loan because I am a divorced woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: HCFS Healthcare Financial Services of TeamHealth
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:
ARS ACCOUNT RESOLUTION has continued to put an account on my credit report. I have no idea what it is for, nor have I received any mail from this collection agency. It was opened on XX/XX/XXXX. It now shows on my report as a collection account stating {$1.00}, XXXX past due as of XX/XX/XXXX. I have disputed the account through experian and attempted to reach out to the collection agency for supporting documentation. I am now reaching out to your company for some support. 

Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent has failed to provide me with requested ( validation ) proof for an item on my credit after i sent several letters asking them to do so. The last letter that i sent them dated XX/XX/XXXX. I have certified proof that someone from their office signed for it on XX/XX/XXXX. I received a letter from them dated on XX/XX/XXXX which states have initiated a review of my inquiry. They took longer than 30 days to respond. As of today XX/XX/XXXX, I still have not anything from them. My rights have been violated according to the FDCPA. Which states, If the debt collection agency doesnt respond to your request for a debt validation letter, they violate the Fair Debt Collection Practices Act ( FDCPA ). Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00}

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 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX Should have a balance of zero this was included in my bankruptcy 7 I've tried everything to have them to update it that won't I told them to look at previous reports to see it was on there but they refuse to

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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I paid off a XXXX debt in XX/XX/2020 of {$470.00}. Before paying the debt I was told that the Collection would come off my credit report within 30 days of paying in full. Ive made complaints for a year and its still on my credit report. Every debt Ive paid Off has been removed but this XXXX. XXXX continues to lie and does not honor the agreement of what I was told. Please remove this from my credit

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 2020-09-21
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I just recently got a change in my credit report and when I checked it was too Harvard Collections. When I called to find out more about the debt they said it's about a XXXX account. Which I explained I've never had a XXXX  account under my name/social at any time since I lived in XXXX. After that they gave me the information and I spoke to a XXXX  rep who now told me I have to basically go file a complaint through FTC and then file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
America First Credit Union is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that America First Credit Union make a goodwill adjustment to have this removed.

Company response to consumer: Closed with explanation