BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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 2017-05-31
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
According to my account, I am overdrawn. I reviewed my account online and not all of my previous transactions are listed. Every time something like this happens it appears that the bank posts what they want to first which results in a larger overdraft and more fees. I have complained about this problem before. And about not being given enough of an opportunity to fix the problem. Now I do n't get paid for another week and a half and will continue to be charged {$12.00} every 3 days until balance is corrected. I was only give half of my overdraft fees last time, because I was told the district manager never approves any overdraft fee reimbursement. Well, I think the problem needs to go higher up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: OH
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:
XXXX has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Diverse Funding Associates LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was young and stupid, had a addiction problem and was having a baby. Wanted to buy my girlfriend a very nice promise ring. So I did. Ended up getting fired from my job I had. And could not make a payment whatsoever. Tried explaining to  XXXX  then DNF. I told them I would possibly be able to make a payment around  XXXX ,  XXXX     2017. B ut could n't. Was unemployed. I really learned my lesson, but there should be a forgiveness of this. I am just now  XXXX , getting my life together. And ca n't even get another credit card or bank account due to this. I do n't quite think company 's understand the harsh impact on young adults in this type of modern day economy/society. I am asking for this to be removed from Derogatory. I need to balance my life back out and start over.    DNF ASSOCIATES, LLC.     XXXX   XXXX   XXXX   XXXX , OH Another thing is the amount of inquiries I have on my report. Literally I do not understand how they have legal rights to sit and camp out on my report when they knew they were going to turn me down to begin with. I will list the companies and the dates in documents below. I am trying to start over. And o have not done anything to not deserve a chance to re-new. For all of you young folks, do not!! I repeat do not!! Open a account with ANYONE! Until you have your life together, or just have mommy and daddy to cover you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
I am submitting an email with the details of incident of fraud, theft, cyberattack on my company XXXX XXXX XXXX XXXX. On the XX/XX/XXXX2022 my email at XXXX was hacked XXXX ET. I began receiving emails from clients and colleagues that they were receiving emails from with a link to website to pay a bill. Of course, I apologized and changed all my passwords etc. I learned the on XX/XX/XXXX2022 there had been XXXX logins to my email from California, Oregon, and Rhode Island. With the instructions and support of XXXX, I went in and logged off of my email from all devices and reset the password again. 

As it turned out, the hacker was impersonating me with an employee at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX handles bill payments for XXXX In Charge. On Friday, XXXX/XXXX/22, I logged onto my bank and saw there was payment made to XXXX XXXX for {$40000.00}. I immediately asked XXXX what was this was for and she said that is the payment you asked me to make. She said she had an email from me ( see attached ). I had not sent her an email and nor authorized such a payment I asked her to send me the emails. She sent me the emails to XXXX and when I opened them, they deleted themselves. She proceeded to save the emails as PDFs. 
It turns out hackers had control of my email. This is when I contacted XXXX and logged all devices off. 

I contacted my bank, Fifth Third and opened a claimed. Since it was XXXX hours later, they would not assist me with getting the money back from XXXX XXXX since it was past XXXX hours. I reported the problem to XXXX XXXX and they told me all they could do is research the account. 

Since XXXX is the employee of In Charge Accounting Services and made the payment as result of this hack and fraud, I would like to submit a claim of the crime to the policy of In Charge Accounting Services. 
I am in the process of contacting the FTC to report the crime and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
TransUnion has failed to verify accuracy of account : XXXX 
TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed.

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 2017-05-31
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In  XXXX  , 2015 I disconne cted services with  XXXX  prior to the contract end date. I knew I would have to payout the contract so I continued to make payments as well as being issued a credit from  XXXX  corporate offices when I called to complain about the representatives low level customer service abilities. I requested an itemized statement of final charges from  XXXX  reflecting all payments as well as the credit. I never received the information but in turn  XXXX  turned the account over to the  XXXX  collection agency, I notified them within 30 days in writing that the account was in dispute and to cease any attempts to coll ect ( they complied ). I sti ll never received the information I requested from  XXXX  and they in turn sent the account to the  XXXX  collection agency, I notified them as well within 30 days in writing that the account was in dispute and to cease any attempts to collect ( they complied ).  XXXX  continued to not provide me with the information I requested but they in turn sent the account to a  XXXX  collection agency. I notified the  XXXX  collection agency via fax and in writing within 30 days that the account was in dispute and to cease any attempts to collect. They instead put the account on my credit report which has now put a negative mark on my report. I contacted them advising them that they were notified via fax and in writing that the account was in dispute and they were not to put it on my credit report or continue to collect. I stated that they were in violation and they are to remove that from my credit report. It was stated to me  by one of their re presentatives, that as long as I " owe '' that amount it will remain on my credit report.     I then contacted  XXXX  corporate office, escalation team again and stated this is ridiculous for it to have gone on for a year and a half when all I requested was an itemized statement of the final charges. I also informed the rep again, that I was not disputing that I owe  XXXX  I was disputing the amount and by law they were required to give me that information.     After almost anoth er 2 we eks the escalation rep at  XXXX  stated he could not make sense of their records and out of the good of customer service, would issue me a {$300.00} credit toward the final amount of {$430.00}, which would make the final amount {$130.00}, which was paid.     I worked really hard to get my credit back on track now only for this collection agency to disregard the notifications I sent, not listen to what I was saying and to put this blemish on my credit report. Now because of their form of bullying, I have to hold off longer on trying to buy a new home.     Thank You,  XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The cash app, owned and operated by square cash in XXXX XXXX, CA. closed my cash app account without prior warning and didnt provide me with a reason other than the ambiguous, intentionally vague violation of cash app terms of service. 

I have repeatedly asked customer support to detail which term my account violated and they have refused to do so. They closed my account which caused financial loss for me. I was unable to use the stored balance to pay bills that were due and I was charged {$100.00} of late fees across various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: NCB Management Services 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:
NCB Management Services has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. NCB Management Services is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: LEXISNEXIS
State: AZ
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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 information incorrect

Complaint:
I have been patiently waiting on the response of Equifax about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. XXXX  XXXX/XXXX-XXXX-Balance {$0.00} 2. XXXX/XXXX-XXXX-Balance {$0.00} 3. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened  : XX/XX/XXXX 5. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX 7. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 8. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 9. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 10. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 11. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 12. XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 13. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 14. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 15. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 16. XXXX XXXX/XXXX  XXXX XXXX-Balance {$0.00} 17. XXXX XXXX XXXX-XXXX-Balance {$2600.00} 18. XXXX/XXXX-XXXX-Balance {$2600.00} 19. XXXX XXXX-XXXX-Balance {$860.00} 20. XXXX XXXX-XXXX-Balance {$460.00} 21. XXXX/XXXX-XXXX-Balance {$1000.00} 22. XXXX-XXXX-Balance {$9200.00} 23. XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX. XXXX XXXX XXXX  XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Asked for the name and address of original creditor, Did not cease collection after notified of dispute. No contract with them, power of attorney was revoked to able to assign. No contract, harrasment and false statement on letters, never returned a response by affidavit, defaulted by not answering never sent a true bill. I am not deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. 
I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. 
In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. 
XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. 
Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. 
Thank you for your time and help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation