BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is my third attempt on CFPB to get XXXX to remove negative information that I disputed via certified mail on here and with the XXXX XXXX failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? XXXX is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to XXXX violating my consumer rights knowingly and wilfully. I will seek to be my remedy in 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 2017-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is reporting false information stating I owe them money which I do not. XXXX XXXX who originally owned this account stated they were buying back the account from this collector in their CFPB complaint which you will find on this site. They are still trying to collect the amount and just re-posted this to my credit report. I have sent my last demand letter telling the company to delete the tradeline or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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:
This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
See the attached email received from Bank of America in regards to joining an exclusive XXXX XXXX advisory panel. I have not been a customer of XXXX XXXX  for years. The email states in order to join I need to be a customer. It also states my family members can not be employed in the financial services industry. As a former employee BofA knows my spouse works in the financial services industry. Why are they sending this to me? Is it because they are so big that the left hand does n't know what the right hand is doing?

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 2017-10-19
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.

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 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX/XXXX Portfolio Recovery Associates received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX Received Portfolio Recovery Associates first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX L XX/XX/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 2019-01-29
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, I visited XXXX  XXXX in XXXX, GA, I don't recall the reason for the visit. It must have been 6 or more months later, I got call from someone by the name of XXXX, who I imagine is in charge of payments, telling me my account is in collection and then hung up. It was impossible to reach her therefore being suspicious of that I stopped by the clinic to see what that was about, to my surprise I owed money to the clinic which I should not have because I had insurance. The clinic failed to send the bill over to my insurance. I asked for the full balance in order to pay and effectively have this removed from collections and no longer affecting my credit report. I paid {$220.00} and was confirmed that it would be removed from my report. I left things at that, thinking that I resolved this debt. 
Years later, on XX/XX/XXXX I applied for a XXXX  credit card, and lucky me XXXX uses XXXX  as their credit bureau or I would've taken longer to find this out. I came to find out that this debt that I previously had was not registered as paid off. The reason for the credit card decline was COLLECTIONS, therefore here I am attempting to get this removed. 

Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Compass Recovery Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Compass group has called my grandfather and mother in law repeatedly looking for me, and leaving harassing voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There were about 5 hard credit inquiries that I didnt apply for on my credit report. Also a social security number that wasnt mines on my report. A couple of the inquiries occurred on XX/XX/XXXX. Some were on XX/XX/XXXX. There was a soft or hard pull on XX/XX/XXXX. I contact those companies and they looked into it and no open credit lines and I contact the credit bureau to dispute the fraudulent activity and added a freeze on my credit line.

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 2022-05-04
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: Credit inquiries on your report that you don't recognize

Complaint:
It's been so agitating waiting for XXXX 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been struggling to make my student loan payments for the last XXXX years since XXXX of XXXX. Since then my interest had added over XXXX to the debt to date. It took XXXX years before I was informed of the rate reduction program, that none of the employees seemed to know about, instead they offered forbearance and loan payment deferments, which kept the interest building. I am currently unable to make payments and they are unwilling to help. My current debt to date is XXXX on the private loans and XXXX on the federal loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint because I have a FHA loan through the remediation program with Well-Fargo. As you know the recent disaster Hurricane IDA who tour through the XXXX region. My home is located in XXXX XXXX XXXX XXXX XXXX was was severely damage by Hurricane IDA. To make a long story short. My home suffer so much damage that my insurance company maxed out my Dwelling cost. Because mortgages are also endorsed on the insurance checks if there is a long it puts the homeowners at a disadvantage due to the process of endorsement. I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds.

I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds. I feel like I am being harassed everyday when calling to plead with them to release the funds so I can finished a FHA backed loan which I am required to make monthly payments even though I have no home to stay in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: BCB Investments LLC
State: IL
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:
This company has called over and over about a debt that I don not owe. Has called even when asked not to. Threatened to damage my credit and also has not removed it from my credit even though I disputed the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
Experian, I have been fighting this for a while, I was NOT late nor past 30 days on our time share with XXXX XXXX / XXXX XXXX XXXXXXXX ( See attached proof of our payments coming out of our account in XX/XX/XXXX ). This has to be corrected ASAP. False information is being reported against me.

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 2019-11-21
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-08-19
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CITI bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging 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 2017-10-19
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: Personal information incorrect

Complaint:
Equifax is reporting an incorrect date of birth for me. I contacted them ( Confirmation Number XXXX ) and instead of correcting the date, they added my statement providing my correct birth date as a " Consumer Statement ''. 

There is no indication that they attempted to contact a reporting agency to correct my birth date nor looked at roughly 40 years of credit history to verify my assertion of birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has 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 : It 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 explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Reported all fraudulent inquires to reporting agency XXXX XXXX. 
Inquiries have not been removed ; all inquiries listed below. 
XXXX XXXX XXXX XXXX XX/XX/2021, 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

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 2022-01-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
-again and again more overdraft fees in my account even the funds are available and deposited before XXXX XXXX  like their representatives told to do. I called Customer service to sort this problems out but they always refuse to do so. This is the second time I write this issues to consumer bureau about excessive overdraft fees with TD Bank. The funds are always available before XXXX XXXX in my account. 
There is a class action lawsuit against them but they dont want to learn from their experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: LendingUSA
State: CA
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/2016, someone fraudulently leased a puppy from a company called XXXX, which did financing through Lending USA. XXXX  is no longer in business, but Lending USA still owns the debt owed for this dog lease. Lending USA has sent the balance of the unpaid loan to multiple collections agencies ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ), and each time I dispute this account because I did not open it. Each time, the collections agency closes the account and sends it back to Lending USA, who sends it to a new collections agency. I have filed a police report, an FTC affidavit, and two CFPB complaints ( one against XXXX, one against XXXX XXXX XXXX ) regarding this issue. The account was opened by someone using the name XXXX XXXX, which is not my last name, and had monthly payments set up with a bank account with XXXX XXXX XXXX XXXX that I have no association with. They also used an address I am not familiar with. I have tried to dispute this account directly with Lending USA, as recently as last week, but they tell me they don't have any documents on file regarding my dispute and when I sent in all supporting documents again, they respond by telling me to deal with the collections agency. I have already contacted the most recent collections agency ( XXXX XXXX ), over a month ago, and they told me they would close the account and send it back to Lending USA. This is a never ending cycle, and Lending USA continues to send this debt out to different collections agencies instead of dealing with my fraud claim and closing this account. I do not owe this amount to Lending USA, I have years of documents supporting my claim, and I am not sure what needs to happen to clear my name from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: FL
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:
There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX years old and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.

Company response to consumer: Closed with explanation