BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX  Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$82.00}

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 2022-05-03
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent them receipts for money they are saying I owed. They are continually harassing me through emails, mail and phone calls. They initially said I owed them money for past due rent and when I sent in the payment confirmations for each month, they turned around and told me the debt was for something else. I also sent them receipts and proof of payment for those too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In the week Of XX/XX/XXXX, I contacted the Transunion credit reporting about an error they made in my credit report. Im XXXX of this year my credit report was at a XXXX. In XXXX I saw my credit report drop to a XXXX. What was reflected in the report was that I had a 2 month late car loan payment in XXXX. My confusion was compounded not only by the fact that that very same car loan was paid off, in the same month of the late car payment in that same year but that was not reflected throughout the entire year of XXXX until XXXX of this year. And when I contacted a representative of Transunion via phone, I was assured the matter would be addressed. However there has not been any change. This brings me to the unethical credit reporting practices of XXXX and how they targeted XXXX and made false credit reports negatively impacting XXXX  chances of personal, home and auto loans. This something that I hope to be resolved as quickly as it was damaged. Thank you.

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 2021-03-10
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Receivable Management Services Corporation

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 2022-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase bank has been reporting credit card ending in XXXX to XXXX, XXXX, XXXX, and XXXX without notifying them of disputes I submitted on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I attempted to make a {$1000.00} withdrawal from my Ally checking account using a XXXX XXXX XXXX XXXX ATM. 

The transaction was cancelled at the terminal and no funds were disbursed. 

Nonetheless, Ally Bank debited my account for the funds. 

It has been XXXX days since the error occurred and Ally refuses to return the funds to me claiming, instead, that it will take them XXXX business days to review the dispute and another XXXX business days to disburse funds assuming they decide in my favor. 

With weekends and holidays included I am apparently expected to pay my bills with Ally Banks assurances that it will only take them a month to return funds that are rightfully mine to my account. 

No doubt my landlord will be delighted to hear this news and I can only imagine the ease with which I'll be able to purchase groceries or pay for my car using their dispute policy as collateral.

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 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I dispute inquiries that were not made by me however i have not heard back from them

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 2017-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I had an appt with Wells Fargo on XXXX XXXX to have my safe deposit box of 25 + years drilled into because I had lost my keys. The bank had also lost all records concerning my box including my contract and signature card recording any history of activity. There was much confusion among the WFB team in locating my box as there were so many boxes with the same number as mine. In fact when they thought they 'd located it I stated that it was n't mine as it was n't located in the main vault where I knew it was. They insisted and upon drilling open the box we found it empty. I was told that after the fact the bank drilled into 8 more boxes trying to locate mine. The bank personnel conducted an investigation for over 3 months. Mid-way during more than a 3 month investigation the district manager made an offer for my lost box and contents to reimburse me for the fees paid over the years and {$1000.00} for compensation. I refused the offer yet the bank took it upon themselves to deposit the paid fees into my account without my permission. I then received a call from the regional manager based on my insistence because the offer was completely unsatisfactory. I 'm sure he stated this debacle was indeed the bank 's responsibility. He further requested that I provide an affadavit of the contents ' value, to the best of my recollection, as it had been years since I opened it. He stated that the bank wanted to come up with compensation commensurate with not only the value but the situation. After the regional manager met with his team, he changed his position and claimed that the box drilled into during my presence was mine. Yet when I asked how could it be if he himself confirmed to me that WFB could not locate my box. and with his team they 'll work on a compansation hopefully to be satisfactory for me. He stated " it 's what it 's "

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. 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 written instructions. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as you can see multiple violations on behalf of my rights.

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 2021-02-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
( 1 ) Past transactions with XXXX using XXXX reporting party 's creditor profile were not completely refunded when all items were returned ; and ( 2 ) Citibank allows third party thief to enter and break into home to steal financial statements and copies of card to not allow entry into online banking to review and manage financial information aside from resolve vendor disputes that reporting party believes are created to highlight the bad faith dealing that involves unauthorized third party thieves.

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 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX account # XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # 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 XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attention CBE GROUP, you are currently unlawfully furnishing false credit information as a result of an attempt to collect an alleged debt that I do not now nor have ever owed to you. You have obtained my nonpublic personal, private and confidential information WITHOUT my consent and are currently storing the same information as a result of identity theft and unauthorized use of my nonpublic personal information. As a non interested third party I have sent you a Notice to Cease and Desist your hostile and adverse actions against me immediately. You are in violation of Federal Law for all of the aforementioned actions. Contacting me without my consent is also a violation of Federal Law, as a Federally protected consumer I will not hesitate to pursue any course of action necessary to protect my rights and enforce my jurisdiction over you for violating, 15 USC 1692, and any other applicable law, including other sections Title 15 Chapter XXXX. Consumer law is put in place for consumers such as myself to enforce and ensure that violators like you and your subordinates are held accountable to the full extent of the law. 
This is your one and only chance to remove yourself from these matters without any further action, if ignored your violations of Federal Law will be brought to light and I will ensure that you are held accountable for every adverse action you have take against me. Any documentation you send in opposition to the following demands will be used as evidence to support the facts as I have shared them. You have 15 days to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wish to file a complaint against XXXX XXXX XXXX XXXX XXXX. 
They have a Paid collection account of {$150.00} on my XXXX credit report. Shows it was paid XX/XX/2018. I have never paid XXXX XXXX XXXX XXXX XXXX any money. So this account is erroneous and inaccurate and needs to be removed from my credit report immediately. Fair Credit Reporting Act says that a credit file must be : 100 % accurate, verifiable and timely. This account meets non of those. Furthermore, the client or original creditor listed. I have a {$0.00} balance with them. So if I have a {$0.00} balance with the client or original creditor, there is no way I can have a collection account with XXXX XXXX XXXX XXXX XXXX. I am very upset and frustrated as, I want this erroneous, unverified, fraudulent account removed from my XXXX credit report immediately. I would also like you to fine XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act and violating my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Rent Recovery Solutions
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 trying to get this fraudulent information deleted from my XXXX report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
I have been trying to get this fraudulent information deleted from my Equifax report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
New inquiry on credit report from TD Bank, new account taken under my name fraudulently. I reported the issue/fraudulent action to TD Bank and they advise to follow a victim of identity deft through FTC. This is the seventh time a scammer is trying to use my personal information to apply for service fraudulently under my name. I keep reporting the fraudulent action to the companies, but it doesnt stop. Please help remove this inquiries from my information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is keeping trying to contact me to collect money from me for something that doesnt belong to me. I asked them to sent me a proof of a signed agreement or letter or any bill I owe but the refuse. I asked them to stop calling me but theyre keeping calling me. Please I need help

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 2022-05-03
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a vehicle through bridgecrest with drive time and paid a cash down payment but when I looked at my statement it was posted that it was a credit transaction.which the down payment was not applied to the loan in which it wasn't. This makes the contract null and void

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: LendUp Loans LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21
Company: Risecredit, LLC
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 information incorrect

Complaint:
This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with Rise, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/22, all day long up to midnight, my account showed a positive balance. My husband went and made a purchase that reduced my account to {$1.00}, but still positive. I watched it all day to make sure nothing was pending because I knew I'd be getting paid that night. 
I got paid at XXXXam that night ( so XX/XX/22 ). Suddenly, I have two bounced checks for insufficient funds and numerous charges and fees. None of these items came in UNTIL my paycheck hit, and then they tried to say they had posted the XXXX and that I'd had insufficient funds. If that were the case, I'd have moved some money over from my Merrill XXXX account if anything was showing pending. But nothing ever showed pending or attempted charges. I even have an email from them dated and timed for XX/XX/22 at XXXX. It says that I have a LOW balance. Low. Not that I had things pending, insufficient funds, or that I was negative. So basically they just acted like these things had been posted a day earlier than they really were just so they could screw me out of money.

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