BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
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: Investigation took more than 30 days

Complaint:
XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.

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 2022-12-29
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  Account XXXX 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 a account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: LEXISNEXIS
State: VA
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:
Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the XXXX information being reported. These inaccuracies are hindering me from XXXX XXXX XXXX XXXX XXXX causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to XXXX XXXX. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent ACIMA DIGITIAL FKA SIMP a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked ACIMA DIGITAL FKA SIMP to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or ACIMA DIGITAL FKA SIMP I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint relates to US Bank account number XXXX. ( co-borrowers XXXX XXXX and XXXX XXXX ). We have had this loan with US bank for approximately 6 months and have never incurred a late payment until we tried to schedule the monthly payments to auto-draft. For the months of XXXX and XXXX we mailed one payment and called in the second payment. Both were made timely even though there were issues receiving the monthly invoices. 

To avoid the issue of receiving the monthly invoices, in XX/XX/2022 I signed the necessary paperwork to allow my bookkeeper to enroll the payments to be auto-drafted. My bookkeeper confirmed that all payments forward would be paid via auto-draft. The same month, XX/XX/2022 my bookkeeper contracted XXXX and has been off work on XXXX thru to date. I am unable to communicate with her about this payment or any other issue. Immediately upon learning that the XXXX and XXXX payments had not been made and confirming with my bank no auto-drafts had been executed, my new bookkeeper made both the XXXX and XXXX payments on XX/XX/2022. Additionally, the new bookkeeper made sure to schedule the payments to auto-draft in XX/XX/2022 and forward thru the term of the loan. My new bookkeeper has confirmed that the XXXX payment did in fact auto-draft on XX/XX/2022 and can see online that the XXXX payment will draft on XX/XX/2022, In the interim, US bank XXXX to the various credit bureaus the late payments for XXXX and XXXX which drastically impacted my credit score. I have never had late payments on any of sorts and my credit score has never dropped this severely.

I think it's unfair of US bank to report me and my partner to the credit bureaus when we were not receiving invoices and trying our best to set-up the payment to auto-draft to avoid the issues we are now facing. 

I can't communicate with my bookkeeper who is out on leave because of health reasons or I would check to see if she had any communications or confirmations in XXXX when she originally tried to schedule the auto draft. 

We were unaware that the account was delinquent until an email was received by our accountant from XXXX XXXX  ( XXXX ) alerting us that the bank offers hardship options. Even two months overdue, we had not received a notice in the mail alerting us that the payments were delinquent. We received the email from the bank on XX/XX/2022 and we paid both delinquent payments on XX/XX/2022.

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 2022-12-29
Company: CITIBANK, N.A.
State: PA
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:
When I initially filed the disputes ( both for XXXX  ), I received XXXX emails from Citi saying that they had received my disputes, and both emails had separate case numbers. XXXX was XXXX for {$2000.00} ; however, the other case ID was XXXX for {$2500.00}. 

The merchant responded to the dispute, stating that I had bought XXXXXXXX XXXX XXXX. This is false. I purchased XXXX XXXX XXXX XXXX XXXX They also included an edited video that stated that I was satisfied with my orders. However, the merchant forced me to say that before receiving the items, and also edited the video- this is because in the full video, I say that I have not received my items yet. 

When the merchant responded to the dispute, I received XXXX letters from Citi that both referenced XXXX, when only XXXX letter should have referenced XXXX while the other should have referenced XXXX. Because of this error from Citi, I was only able to respond to XXXX case instead of both, as is my right. It also looks to me like the merchant only responded to XXXX and not both XXXX IDs. So Citi 's reversal of the temporary credit for {$2500.00} was not warranted, as the merchant only responded to XXXX. I would even go so far as to say that because the merchant failed to reply to XXXX, I should be granted a permanent credit for that charge. 

To summarize, I was only given the opportunity to respond to XXXX of my XXXX disputes with XXXX, because Dispute ID XXXX was never mentioned after the initial emails I received that clearly distinguished the XXXX disputes with XXXX different dispute IDs. Instead, I was expected to respond to the same Dispute ID twice. Additionally, the merchant only responded to Dispute ID XXXX and not XXXX. 

I was also asked to provide a credit slip by Citi- I don't have a credit slip because, again, I never received the items. 

Because of how this has been handled thus far, I have no choice but to file my complaint with the CFPB. 

I am attaching the FULL video below where I was coerced to say that I was satisfied with my order, but say that I have not received the orders.

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 2022-12-06
Company: Transform Credit Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in 2021 and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXXL account number XXXX Another account was opened without my authorization XXXX XXXX XXXX that LENDER is : TRANSFORM CREDIT INC account opened & closed in the amount of {$220.00} on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: NC
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 got into a retail installment contract with XXXX XXXX XX/XX/XXXX & every since XX/XX/XXXX they have been reporting XXXX XXXX XXXX XXXX XXXX days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Regarding response to original complaint # XXXX. Information is not accurate. Response is generic and doesnt help with the accuracy of my issue. My complaint is payment and interest reflection is incorrect. Ive made all my payments on time and most always before the due date for the full amount. In the companies response its stated that I didnt always make full payment/ and or consistently is incorrect. How is that statement correct when they acknowledge Ive never missed a payment? and stating my payment were not in full payment so more of my payment is applied to interest is incorrect. Again, my account has never missed a payment. My due date is the XXXX of every month and all my payments are made all before that date most of the time a week in advance, and in full + more {$50.00} more on almost all payment. Please again look into this matter which is urgent and time sensitive. I am still making payment on this account and having the same issue of more of my payment is going to interest instead of principal. Ive had this account for more than a year and as payment is made over time less of my payment should be going to interest and more toward my principal. I feel I am be robbed and not receiving an accurate response and information. This account is has been taking my money and not applying my payments correctly. Also the contact information provided to call is sent directly to a voicemail. No one answer the phone and are told someone will respond in 24hrs. Im confused an Executive line is a voicemail. Please again I am not happy with the service I am being provided and with this loan in it entirety. Again I am aware of the loan type but also know my payments are not being processed correctly as they should. I look forward to my account being corrected and incorrect payment funds be reimbursed to me and applied correctly to my principal. If possible I do not wish to do any further business with OneMain financial and would like exit this account immediately. Please let me any options. If need I will contact legal services to continue me in this matter. Thank you in advance and hope to have this issue resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL XXXX CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE THE INQUIRIES, XXXX XXXX XXXX XXXX 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 2022-12-29
Company: EQUIFAX, 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:
The inquiries below do not belong to me and were not authorized by me. Please remove them. 

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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Identity Theft as well as several Data Breaches. The  latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-08-03
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PDQ Services INC, has violated my rights as a consumer. They report two ( 2 ) accounts to the credit bureaus under my name, dob and ssn. I do not owe PDQ Services Inc any money or the original company Center for XXXX. I paid via XXXX XXXXXXXX card and was told I didn't owe any money. Also, I never received a debt validation letter from PDQ Services Inc prior to them putting these two accounts on my credit profile. If these two ( 2 ) false accounts are not removed from each credit bureau I will seek council from an attorney. Also, I would like for PDQ Services to send me signed agreements and contracts from Center for XXXX showing I agreed to pay that amount because I still have the original email from the surgery scheduler regarding the total amount that I was responsible for and I paid it. I will be providing my attorney with the email which shows I paid the amount asked of me and that payment was made via XXXX XXXX payment. As stated by my attorney, I can sue PDQ Service up to {$1000.00} per account listed on my credit profile inaccurately and falsely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Receivable Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter out XX/XX/2018 to verify this debt and I havent received any reply. I sent another letter out certified XX/XX/2018. 
It has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Transworld, The property was sold on XX/XX/2018 and informed XXXX of the closure account over the phone. The balance was nil. We have also sent a copy of the HUD statement to XXXX on a follow-up call with XXXX. XXXX has agreed to clear the balance upon receipt of the HUD statement. This was already reported in the past and removed after investigation. Not sure why it is popping up again. The balance is incorrect and is more than 3 years old. You are trying to collect the balance illegally and unethically hurting my credit score. This is the last warning before any legal action and damages for {>= $1,000,000} damages to Transworld Systems. Please find the attached HUD statement provided to XXXX and take the necessary action. 

Note that the name in the statement is not mine. Not sure whether this causing the issue with XXXX. 

In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy. Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CREDITORS DISCOUNT & A ( Original Creditor : 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 explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: WI
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:
Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: The CMI Group, Inc.
State: NC
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 recently looked at my credit report and noticed this company XXXX XXXX XXXX is reporting a collection on my report. Unlawfully incorrectly and this is hurtling my chances of getting a home. I will pay what they said I owe under one condition.

1. The validation of the debt 2 verification of their claim you ; that is a signed invoice 3 a copy of the contract binding both parties IF THEY CAN NOT NO PROVE THIS PLEASE DELETE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief