BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX fails to comply with my cease and desist order and now they are making Transunion and XXXX accomplices to their fraud and deformation of my personal character. Please comply with the cease and desist attached to this complaint so that no further action is required. There will be no more added time for investigation. the company must comply immediately or deal with the next step in the litigation process. A record of all documents sent via certified mail has been filed away and stored along with the companies attempts of responding with documents that didn't meet the requirement for validation. By validation, the following was requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

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 2021-02-20
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
received a collection for a medical bill from XXXX XXXX XXXX XXXX XXXX. the first bill came in my wife XXXX name the second bill came in my name only, my wife has already set up a payment plan, the point is the bill needs to come addressed to her only, even though we are responsible for our bills together. if this issue is not resolved i will dispute the bill, because the doctors office send my wifes lab work to XXXX which they know is out of her network with out her permission, she thought it was being done at the hospital here in XXXX  which is in her net work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX fails to comply with my cease and desist order and now they are making XXXX and Equifax accomplices to their fraud and deformation of my personal character. Please comply with the cease and desist attached to this complaint so that no further action is required. There will be no more added time for investigation. the company must comply immediately or deal with the next step in the litigation process. A record of all documents sent via certified mail has been filed away and stored along with the companies attempts of responding with documents that didn't meet the requirement for validation. By validation, the following was requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding bill for XXXX XXXX XXXX XXXX XXXX XXXX for coinsurance. I was not aware of the bill, as I am on the road every week for work. Once I noticed the bill on my credit, I reached out to XXXX XXXX XXXX XXXX XXXX to make the payment. They accepted the payment and I was informed that this information would be deleted from my credit report. However, I spoke with the collection agency and they told me that even though I paid XXXX XXXX XXXX it would not be deleted from credit reporting, as I was paying with them directly. It was my understanding, that a paid debt to the original creditor could not be collected on or reported to the credit bureau. I have paid my bill in full to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021, I opened a credit card account with Wells Fargo ( Active Cash ). As a condition of opening this account, I was eligible to receive a {$200.00} bonus if I spend {$1000.00} within the next three months. By XXXX, XXXX, 2021 I spend over {$2400.00}, I reached that objective, and called Wells Fargo By XXXX, 2021 to inquire about when I would receive the {$200.00} bonus. The customer service rep I spoke to said she did not know when I would receive the bonus but told me I should get an answer in the next ten days. This despite the fact that I had paid my bills with the account every single timeI been seen some unusual activity on the account I have closed it for about 2 times, unusual charges i have the suspicious that is simply because I achieved the goal to receive the {$200.00} bonus.

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 2022-07-13
Company: CITY NATIONAL BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Was not notified of investigation status or results

Complaint:
I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I went to Equifax 's webpage that they say is supposed to let you look up whether or not I was affected by the recent data breach. I entered the information that they requested to look me up ( last name and last five digits of SSN ).
It did not tell me whether or not I was affected. It did, however, seem to indicate that I was now signed up for some credit monitoring service that they 're pushing. Poking around on the internet, I have seen people saying that signing up for that means that you waive some of your rights, for example to sue them.
I did not sign up for that. I went to their page which said something like " Enter your name and last five digits of your social security number to check whether or not you 're affected. '' I noticed nothing on that page which said " Enter your name and last five digits of your social security number to sign up for some credit monitoring service and oh by the way to waive your rights to sue us. '' I do not consent to waiving any of my rights with respect to this.
I then called up their hotline number which they said was specifically set up to handle this data breach, so that I could ask whether or not I was affected, and also to say I do n't want this credit monitoring nor do I consent to waiving my rights. It was utterly useless. The lady could not tell me whether or not I was affected. All she could tell me was that I should go to their website and enter my information to check whether or not I was affected. The same website that I DID go to, and where I DID enter my information, and which DID NOT tell me whether or not I was affected.
At one point, I asked her why she could n't tell me whether or not I was affected. She responded that they were " a third party '', and that she had already given me all the information that she had.
That prompted me to ask her who she was, if she was a third party. I was told " Equifax Incident Response Line '', or some such. I then told her I assumed that I was one of the other two parties, and asked her who the second party was. " I 'm sorry, I do n't know '', she told me. To make sure that I was understanding, I explicitly asked her : " You 're telling me that the reason why you do n't know whether or not I was affected is because you 're a third party, but you 're only aware of two parties? '' " Yes, '' she replied.
At that point I gave up on the phone call, as it was useless and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They put repo on my credit report and I have my vehicle

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 2018-08-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
chex system is reporting that i have non-sufficient funds -activity owed has been paid. The information they are reporting is preventing me from opening any accounts with other banks. so please send me the information that they are using to verify the informationthat are reporting.

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 2019-01-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This past summer, there were 3 or 4 payments I made to my Home Depot Commercial Credit Card that were mistakenly credited to someone elses account. Citibank ( who handles Home Depot Cards ) did finally credit my account with those misplaced payments. However, they reduced my credit line from {$5000.00} to {$600.00} because of a formula they use to determine credit limit which includes late payment history. They do admit that they posted my payments to the wrong account but will not put my credit back to the original level because they said I was still delinquent! Also, when I asked a manager to call me to discuss, she refused to give me her name or the contact information for me to file a complaint.

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 2021-06-09
Company: N.A.R., Inc.
State: UT
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:
XXXX XXXX XXXX and North American Recover are double reporting a debt on my credit file that needs to be removed. I recently looked at my credit file and noticed that they are both reporting a repo on my credit. This is a violation under the FCRA and the FDCPA which they are both regulated under. This needs to be resolved immediatley. I am aware that they report to the bureaus as they deem necessary and I ask that they report within guidelines and discontinue double reporting a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Lendmark Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was denied SCRA by Lendmark Financial. I would like a rebuttal to the outcome of complaint # XXXX. I would also like Lendmark to revisit their policy under OHIO SCRA Chapter 7.1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights.

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer 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
Consumer complaint received 2017-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Someone requested a credit card on my account when i did n't request it. I had one card and someone else was able to request another one under my account and racked up a bill. They said they could n't do anything for me because they did n't see the fraud happening. So I got stuck with the bill and had to pay it off. Then someone kept trying to get into my account. I was receiving temporary pass codes and I called them and told them it was n't me trying to access it. I had closed all my accounts with them. I was not very happy with their customer service. I was being sent to different people all the time and they said the exactly the same thing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I suffered a XXXX XXXX and then in XXXX I had to have a XXXX XXXX XXXX. This unfortunate event caused me to lose my ability to continue working, and being able to keep up with my mortgage payments. The mortgage Company eventually suggested a Loan Modification which would help me to keep my home. i was very happy with this offer, and was told that as long as I continued to live in my home for at least 7 years I did not have to worry. I continued to pay my mortgage and maintained a good relationship with the Company. I was eventually placed on SSI and despite the hardships I maintained my payments. My home now needs some repairs due to water damage and some updating, removals of mold which affects my health, I do not have funds to do the necessary repairs hence the need to refinance my home. 
i was approved for the refinancing and requested a Pay Off amount for my property, only to be told that I have to pay them 25 % of the equity in my home if I sold or refinanced my home, and also I must pay XXXX XXXXXXXX for an appraisal requested by their company even though I have already paid {$520.00} for an appraisal for the refinance and forward a copy to them. I am totally lost as now I am unable to proceed with the refinancing as I would have no funds to do the repairs after giving the current mortgage 25 % of my equity. I feel I was taken Advantage off because of being in an extremely vulnerable situation at the time this was done. They refuse to send a pay off Please advice and help me to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After the Equifax hack, I visited : https : //www.equifaxsecurity2017.com. The page reads : " See if your personal information is potentially impacted. 

To determine if your personal information may have been impacted by this incident, please follow the below steps : Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 
CHECK POTENTIAL IMPACT Thank you for allowing us this opportunity to assist you. We appreciate your patience during this time. '' The page asks for last name and last 6 of SSN. Then it says : " Your enrollment date for TrustedID Premier is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. '' The website says it would tell you how you were affected and give you an option to opt-in to TrustedID Premier. It does neither. 
False advertising and enrollment without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Trojan Professional Services, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

Company response to consumer: Closed with non-monetary relief