BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX XXXX XXXX XXXX  : XX/XX/2020 Balance : {$130.00}.

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 2015-11-09
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. 
I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. 
I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. 
Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. 
The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. 
So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. 
How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ask the three credit bureaus to check and see was the information on my reports correct and no one got back with me about the 4 accounts that's on my report none of the information matches at all the accounts numbers, dates, reported dates, last reported dates XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX If, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I promptly deleted that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2022-11-14
Company: EQUIFAX, INC.
State: AL
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:
Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX BANK Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2016-10-27
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Not enough information of validation of debt. I contacted Credit Control Services Inc through certified mail on XXXX/XXXX/16 for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX/XXXX/16. the account in question is # XXXX. Collection amount {$230.00}, however I do not owe this debt and know nothing of it. Credit Control Services appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am sending another complaint because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 60 days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Experian is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 

1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with XXXX and properly verify this misinformation immediately. 

3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 

4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

I will not take ANOTHER generic response as a form of validation of my disputes. Correct these XXXX items immediately, I will not stand for any lack of proof, investigation and evidence which I am requesting as my right by LAW. That is not a proper reinvestigation BY ANY TERMS! I can not afford to wait any longer, it has been way too long, too tedious and I fear as though someone at Experian is purposefully making this hard for me. I want this information corrected, and nothing else. This is my life. Please ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
On XX/XX/2022, the CFPB issued a warning to Equifax, a consumer reporting agency, as a result of its failure to properly investigate disputes I have made about incorrect information on my consumer report. The CFPB stated : " Accordingly, consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entitys preferred format, preferred intake forms, or preferred documentation or forms. '' Therefore, as a consumer, I demand that the following accounts/inquiries be blocked and deleted from my consumer reported : XXXX XXXX XXXX XXXX Bank, XXXX Main and XXXX XXXX XXXX I demand that the account for XXXX XXXX, XXXX be reported as " paid as agreed '' and the " charge-off account '' status removed. I also demand that the alleged account balance of {$19000.00} for the alleged XXXX XXXX, XXXX account be be changed to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Called the company to report a billing dispute in a timely manner on XX/XX/2022. This is for a charge dated XX/XX/2022 for {$260.00} for a recliner chair that delivered defective. The delivery clerk refused and did not offer to take the chair back that I wanted to refuse. The business advised me that I could send supporting pictures through the secure messaging center, this doesn't work. Therefore, I am submitting supporting pictures of the damage to justify my 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 monetary relief
Consumer complaint received 2015-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting to remove or update the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$8400.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am writing this as a customer who feels as though Advanced Financial is ripping their customers off, I had a loan with this company off and on for two years it was an installment loan, well recently went into the store to renew it as I did n't have all of the money to pay and was told I had to switch over to their Flex loan or pay the balance in full, so I did. I have paid this company almost XXXX on a XXXX loan and only XXXX has went to my principle ... they charge customer s over 200 % in interest but word the contract and the flyer they give you is very misleading. I also revoked authorization so they would not draft my bank account and they continue to do so. I do n't understand how thi can be legal. And if so I think someone should look into this and regulate the laws. I kniw this company has had several complaints regarding these new flex loans and ripping people off, also forcing customers to switch over to these loans should also be against the law. You make a payment of XXXX and only XXXX goes to principle and the rest to fees and interest, the present the flex loan like a credit card and I have those and the definitely do not work they way this company is telling their customers.

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 2016-10-20
Company: Remitly, Inc.
State: KS
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Initiated money transfer of {$10000.00} from US to XXXX through Remitly ( Transfer No : XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX account by XXXX XXXX, 2016 XXXX PDT ( XXXX XXXX, 2016 XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. 
I had my plans & commitment in XXXX. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late. I want CFPB to intervene & compensate me for the delay. Remitly has offered {$5.00} reward for the delay which doesnt make any sense considering the transfer amount. Remitly will generate more income by keeping this amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: First Data Corporation
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I work for a Company that does business with XXXX XXXX XXXX XXXX. XXXX provides SPIFF 's as bonuses to the sales people. Money Network is the provider that XXXX uses to distribute these bonuses. In XXXX of this year I received XXXX debit cards from Money Network and I activated them on-line. On XX/XX/XXXX XXXX made a deposit of {$75.00} into XXXX of my cards as a XXXX bonus. XX/XX/XXXX I attempted to access my bonus funds and had the card declined. I called Money Network and was told that I had to fax a copy of my social security card, drivers license and passport to verify my account. I did not want to do this and sent a request to have XXXX help me and was told by them that I had to deal with Money Network. XXXX would not help or change their policy to send bonuses to an account of my choosing. I called Money Network again and had to fax the documents to them. About a XXXX later, I called Money Network and was told the accounts were still locked because now they needed proof of my physical address. I faxed them a copy of my last propane bill on or around the XXXX of XXXX. I called them back around the XXXX and they stated that they had not received it and I needed to fax it again. I faxed it again on the XXXX of XXXX and called back on the XXXX, still they had not received the second fax. I asked if I could get an e-mail address to send it and they refused. I asked for a supervisor and was given an e-mail address and sent the bill on the XXXX of XXXX. I called today and my accounts are still locked because the bill is now older than XXXX days. It was dated XXXX XXXX the date of my last delivery and now unacceptable. When this all started it was well within XXXX days and by all accounts is only just over by XXXX days now. I wo n't be getting a propane delivery again until fall. I think I have been more than patient in attempting to access funds that are unquestionably mine. I need to have help in convincing Money Network to unlock my XXXX cards and allow me access to these funds before they start charging monthly maintenance fees. Thank You!!

Company response to consumer: Closed with explanation