BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried repeatedly to have the account ( Not Reported # XXXX ) removed from my credit report. I have no idea what this collection is and the reporting agency has been completely deceptive in reporting it. There is no name on account, no reference to what it is and they have NOT contacted me or responded to my repeated request to verify the obligation or remove it from my credit report. I firmly believe that Equifax has intentionally not responded and continues to report it fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This agency is in violation of 15 US 1692b. The agency has contacted me multiple times and is now harassing me via phone calls and email. The agency received a letter in writing via US certified mail on XXXX XXXX to cease all further communication and collection attempt on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: ALLY FINANCIAL INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a paym ent    XXXX   XXXX   2017, whi ch  was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2017 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX Bank has added a duplicate Credit Account that was either previously recorded or previously removed from my Credit Report. This is according to XXXX 's records. Per the attached screenshot, XXXX added this duplicate record on XXXX XXXX, 2016. I would like the record removed. 

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 2015-07-07
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a 1099 B from Square , Inc. in XXXX XXXX. The 1099 B stated I had received proceeds of {$2400.00} on XX/XX/XXXX. Note said Cash app does not report your XXXX cost basis, gains or losses to the IRS. I have never done business with Square or XXXX and someone has used my social security number to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has failed to give me investigation result.

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 2021-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
Good evening, Im having trouble with Experian complying with FCRA rules, I have submitted several complaints, the issue at hand involves a Public Record that should be removed, Experian has agreed that the Public Record was reporting a incorrect address and that address was removed, therefore, Im asking Experian to please remove the Public Record that was reflecting a incorrect address, in a previous response, Experian stated that the information has been removed, after contacting Experian I found that to be false information, Im seeking to resolve this immediately, 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 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
All my hard inquiries were deleted and then added back

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 2021-03-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im writing this complaint against LVNV Funding. This account with XXXX  XXXX has been satisfied and deleted from all credit reports. However, this collection agency refused to remove account. Ive attached a copy of my XXXX  report that shows deletion and account satisfied. However, LVNV continues to report please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: FL
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 have disputed several times a bunch of inaccurate data that is only listed on my Equifax credit file. No response and no corrections. Please help XXXX XXXX XXXX Please remove not nor ever been my name. 
XXXX XXXX XXXX XXXX XXXX Clearly this is a duplication listed with no verification and outdated also, please remove this listing XXXX XXXX XXXX XXXX XXXX There is no money owed to this company as you are reporting delete this from your files due to the inaccurate information FAIR COLLECTIONS & O XXXX This should not be reporting as a collection it was paid and this needs to be removed XXXX. XXXX XXXX - XXXX Account was paid with the original creditor, this is inaccurate data please remove as this is a violation XXXX XXXX XXXX Remove this false information, it was paid and should not be reporting as a collection XXXX XXXX No collection exist with this agency please deleted this inaccurate data listed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Navy Federal Indicated there was suspected fraud of {$35.00} to a family member of mines. I am the party who initiated the XXXX payment back in XX/XX/2020 and just now received a call from Navy Federal that my XXXX  was disabled. 

I have repeatedly tried to resolve with Navy Federal and XXXX but so far have gotten nowhere. 

There is proven messages this family card was stolen and she gave them a break down of what charges she knew were valid including mines. 

Navy Federal or XXXX has tried to assist in this matter. All they keep telling me is there is no Appeals process. 

Please can someone help a consumer because this bank and XXXX is not helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in 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 2021-03-08
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX continues to harass me about a loan I no longer owe. After seeing this reflecting negatively on my account, I sent them a dispute. That was in XXXX. They have had well over 60 days to investigate and the law only gives them XXXX. They sent back a letter in response to my request for validation, however, there was no validation attached! Not one sheet of paper. Yet, they state in the letter that the debt is validated! Says who? Where is the proof?!? This is ridiculous! I have requested for original documents to prove my payment of this loan. There time to investigate is up. I want this erroneous account deleted from my credit file NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I gave notice and left the apartment paying all rent in full. I left the apartment due to XXXX XXXX instances which there was theft to my property and that my life was in danger due to possible fire. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Consumer XXXX was a free service, why are they reporting me as a Collection account. They never worked no matter where I was. I want it removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Full Circle Financial Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted XXXXXXXX XXXX XXXX, and told them I no longer wanted to work with them, because it was taking them to long to pay off my debt. They also, let some of my debt to be sold to a 3rd party. one debt that was owed was with XXXX XXXX XXXX XXXX which was sold to Full Circle Financial Services. I contacted Full Circle and told the person who answer the phone ( a Man ) and said that I wanted to Make a settlement on my account. I told him I was dropping XXXX XXXX and deal with them personally, he threaten not to work with me and said I should go back to XXXX XXXX. what is the different. I'm the one who is paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation