BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX will not stop calling or remove my name or my wifes name from owing them. I have attached a list of creditors from our bankruptcy I would like them to stop calling and remove us from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of AMCOL SYSTEMS offer, dated XXXX XXXX, XXXX, however, I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. 

Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond to CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, stand as a Default Judgment and Declaratory judgment, of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX created Summary judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX. Failure to rebut or continued acquiesce, failure to address, answer or respond to Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created an AFFIDAVIT OF NON-RESPONSE, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Period Ru le ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

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 2019-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc claim with the police report XXXX and XXXX  took is off but of course Equifax didn't b/c of their breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on Equifax at XXXX but on XXXX and XXXX it's showing XXXX. Also the date last active is different on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX  last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on TransUnion and XXXX it's showing XXXX. Also the date last active is different on all three.

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 2020-04-23
Company: V and H Portfolio
State: DC
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:
Vance and Huffman is a creditor who purchased a debt from XXXX. I have filed a police report around the same time that my personal belongings where tooking. Including bank information, id, work id, ssc. I have uploaded police report to disputing agency and still there was no investigation or correction to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got a hard inquiry on my credit report because this company called Synchrony Financial ran my credit without my permission and without my knowledge. I never signed up for anything, applied for anything or allowed this company to look into my credit report. I've never heard of Synchrony Financial before, why do I have to deal with a hard inquiry when it is not deserved or of my doing? I try really hard to keep my credit score up just to have some company mess up my score without any consent or permission at all. Please help me out in any way you can, I greatly appreciate it. This unwanted credit check has actually already caused me an issue and if it happens again I would like to sue the company for the stress and financial burden it now put me in. Thank you very much for your time.

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 2022-08-25
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-07-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX  has posted an account from Wells Fargo stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.         WELLS FARG O DLR SVC {$3 300.00} Charged off account Fixed rate

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 2017-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has posted an account from  XXXX   XXXX  stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.   XXXX   XXXX   XXXX   XXXX   XXXX  {$3300.00} Charged off account Fixed rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been using Google services and their subscriptions for many years now and I've made a lot of my payments with a prepaid card specifically the XXXX XXXX Cash card. Recently things have changed and my car stopped working so I contacted customer service and explain the situation and he suggested that I keep trying to process it and I got me suspended. I told him it wasn't working and I didn't want to keep trying because the bank might block it. Instead Google payment services suspended my account. I explained the situation as I did here. I was somehow and glady able to remove ALL subscriptions connected to that card by cancellation of services. That is another issue with not getting refunds. I also deleted my card and it is no where on file with Google. I have since then closed that account and tossed the card in the trash. Now they're wanting me to prove ownership of that card and I've already explained I know longer have it. I sent them an account statement, Identification, and a screenshot of card info that I had when I ordered it ( the card ). 

I can not pay for my remaining subscriptions and am now receiving suspension notices and I've tried explaining yet again I am trying to pay but the payments team won't let me. I'm about to lose all my services that I've paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX. I have had perfect history with paying my credit cards. Capital one bought my XXXX XXXX card from XXXX XXXX and I tried to make a payment. The bank account from XXXX did not transfer to capital ones payment process. I or a agent entered the bank account for capital one. Business as usual so I thought and co to ued to pay my account. Well I never received a notice that funds.never went through. I finally saw on the statement that there was a.late.fee. I called and the agent said there was the wrong bank account number in the system and she changed it correctly. Capital one reported me anyway unfairly. My credit score went down. First negative thing in my credit report in twenty some years. This is unethical treatment of a consumer. I did not ask to have capital one buy my XXXX XXXX card and screw up auto payments etc. I have never missed a.payment anywhere for twenty years. I tried to pay.and the wrong bank account was entered. This was immediately taken care of.and paid off thereafter. Please help me fix this in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America is reporting my credit card account negatively to the credit bureaus. The balance was paid in full, and it is still reporting to the credit bureaus as a balance due. I have a letter from Bank of America dated XX/XX/2022, that reflects a paid in full balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received collect satement letter from ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ph # XXXX ) for the amount of {$480.00} XXXX  reference XXXX XXXX from creditor PayPal , Inc . I contacted XXXX on XX/XX/21 @ XXXX AM ( w/ XXXX ) asking about this matter where I don't have ant PayPal account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's XXXX XXXX in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 2017-10-24
Company: Capstone Credit & Collection, LLC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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, 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 2022-05-02
Company: CITIZENS FINANCIAL GROUP, 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: Account information incorrect

Complaint:
Citizens Banks has incorrectly updated my credit report which has adversely impacted my credit scores and ratings in a negative way. In the comments section of the report Citizens Banks is reporting that the account was paid by the dealer. This is incorrect as I paid the account balance in full and have provided a letter to verify this.

Company response to consumer: Closed with explanation