BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: EQUIFAX, INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
HelloMy name is XXXX XXXX XXXX complaint is with Equifax Credit continuing wrong information on mywife XXXX XXXX and my own credit report.We have filed bankruptcy XXXX of 2014but reaffirmed our auto loan with XXXX XXXX bank of XXXX, NH and have not missedone payment with them I have put in XXXX disputes with Equifax and have spoke to XXXX XXXX and they have notified Equifax of the correction but have refused to change the status of our credit reportThe other XXXX credit bureaus have made the the correction with our reports but not Equifaxany help with this problem would be appreciatedXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I opened up a checking and savings account and On XX/XX/2021 I put XXXX dollars into the savings account but it all of a sudden disappeared out of my savings accoun5 and then i was locked out of my account and was told to bring my social security number back into the office in order to get the lock off of my account. Today is XXXX XXXX XXXX and they still dont know where my money went. I received a text saying my money was in the account but then two ours later it said the money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Receivables Management you responded via mail but failed to provided the proper documentation. I specifically requested the HIPAA release form bearing my signature given the provider permission to release medical information to a third party. In the documentation I have from you do not provide me that form. 
This is against the HIPAA law for you to be attempting to collect on alleged debt owed without having this form. Unless you can provide me the form immediately. I demand you cease debt collecting and remove this account from my credit report ASAP. Further action will be taking if you refuse to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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 XXXX XXXX I pulled my credit report. While reviewing the report, I noticed that there are 4 collections on my Equifax report that do not have a credit name/original credit or account name. There is only a balance for these accounts. I am requesting this be removed from my credit report immediately as it does not belong to me, there is no identifying information and its a violation of my consumer rights. Please see evidence provided from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company Pressler & Pressler has been contacting me almost every day, in some instances after XXXX at night. I received notices in the mail that I would be arrested if I did not pay the debt. One time- and only one time did I actually take the call. The gentleman on the other end tried to strong arm me- demand me to pay online, was very rude, and the phonemail ended when it was getting nowhere. Since then- they call and call, and now they sent me a notice that they are suing me for amount due - {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Recently, Target replaced my existing credit cards with new cards. Upon receipt of the new cards, I registered them in accordance with Target 's instructions. When I attempted to use the referenced card at our local Target, it was rejected. 

I contacted Target and was informed that my account was " Past-Due ''. I travel frequently, unable to receive mail, and must manage my Target Account online. According to the Target Website, my account was always current and " Auto-Pay '' was active. 

I called " XXXX '' at Target and she updated my Target Online Account, which now shows XXXX " Late-Payment-Fees '' of {$27.00} and {$37.00} on XXXX XXXX and XXXX XXXX XXXX, respectively. 

As I never received a paper bill and the Target Website always showed that my account was current and " Auto-Pay '' active, I dispute the " Late-Payment-Fees '' reflected on the attached printout and request that they be credited to my Target Account. I have always dealt with Target in Good-Faith and request that Target do the same. 

Your assistance in this matter is appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've had a representative contact IQ international data multiple times to try and get a validation letter sent and attempt to resolve the issue. This company verbally agreed to honor a pay for delete agreement. Letters are now being returned in an attempt to get this agreement in writing. Any time they are called now, they continue to transfer the call until voicemail is received and calls are never returned. This remains on my credit report for another 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had multiple accounts with TD Bank for a year or two and then ran into financial trouble. A check bounced and one of my accounts with TD was overdrawn and subsequently closed out by them due to the negative balance. I assumed they were closing out my other accounts as well however they are telling me that they have placed a " freeze '' on these accounts which means the funds cant be touched and the accounts cant be closed until I pay them for the one account that was overdrawn. They are still charging me fees on accounts every month even though I cant access the $ 400+ still in the savings and checking accounts and it seems illegal to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I got a call about a past due bill for XXXX bill for an address on XXXX XXXX. I explained to the representative that I never lived on XXXX XXXX and this isn't my debt. He verified my information. The person use my social security number and date of birth to open this account. He advised to get a police report and send to them along with statement of the electrical company from XX/XX/XXXX. I have filed a police reports and mailed the information to ProCollect.

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 2020-10-06
Company: CREDIT CONCEPTS, INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/2018 I baught a car from XXXX XXXX XXXX in XXXX Oregon which Credit Concepts funded the purchase. Less then three months later, there was something that happened to the car that cost less then {$700.00}. While insurance was pulling all my car info, they found that the car had been totaled four times prior. I contacted the dealer to which they said I signed a notice excepting the salvaged title which I did not. Whip city then told me to contact Credit Concepts to which I did. They stated that they confirmed it was a clean title. After sending them all papers about the wrecks it had been in and sent them papers showing repairs the car needed because of the prior wrecks, they still pushed that it was to late to back out and that they would not even take the car back when I told them to repo the car. Over the past year and a half, I have tried to work with this company to no good out come. The have pushed multiple garnishments for the max of 25 % of my income and refuse to work on any compromise. The contract was made under false information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2015-12-09
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had our mortgage sold by XXXX to Seterus, They never sent us any information about our mortgage, no statements amount owed or due dates. We called repeatedly and they would not give us any information. Finally we had an attorney call and he got us an address to start making payments to. We have no information on any charges or fees, until yesterday when we got a bill for over 8 thousand dollars due in four weeks. We called and finally a person talked to us and they told us to file for a modification, and maybe we could avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: FIRST MIDWEST BANCORP, INC.
State: IN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX, I wired {$8600.00} to a XXXX XXXX XXXX account. It was posted XXXX XXXX, XXXX but the receiver advised me that XXXX XXXX wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and XXXX XXXX since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with XXXX XXXX. Their representative told me that no one had access to the money and XXXX XXXX was still looking into the situation. As of XXXX/XXXX/XXXX, I have not heard from 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 explanation
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a debt on my credit report who I do not recognize. I received some phone calls for a collection agency treated me of jail and legal action against me and my family. I want this company to stop harassing me and stop calling me I am on the do not call list they even call my cellphone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ( XXXX ). XXXX was under contract with Aetna Health Insurance Company at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts Receivable to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the EOB which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from Aetna Health insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, Vice President of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not had a credit account with XXXX since XXXX. And have no debt to them, then all of a sudden get a {$290.00} debt on my XXXX XXXX account with no prior communication or knowledge of it, I disputed it before but it cam back as connected to me??? 
I was told not to contact the collector directly, as they can be tricky ... So I am turning it into you for help. 
Thank you kindly for any and all help with this. 
________________________________________INFO1 account reported on XXXX XXXX, XXXX OpenAccount # 1 {$290.00} XXXX XXXX Creditor $ XXXX BalanceJul XXXX, XXXX Opened DateMar XXXX, XXXX Last ReportedIndividual ResponsibilityAccount information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.

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 2015-07-09
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. 

To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. 

I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. 

If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX acct number ending XXXX, have violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief