BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Perfection Collection
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First, have someone more knowledgeable respond to my complaint. I have re submitted my initial complaint for that very reason! I asked that they provide validity ... .who ever responded didnt read the complaint or reach out for more information from XXXX . If I have to seek legal action, I will as this seems like it was fraudulently placed on my credit report. The attached response is the most unprofessional one that I have ever seen. This is not resolved and I am not done until it is. Do not place items on consumers credit reports if you cant properly verify the debt is even valid as Its against the law to do otherwise. If they did their research they would see that I did cancel services due to XXXX dispatching police to the incorrect residence on more than one occasion. I have XXXX   XXXX  children, which I also notified them of when I informed them that I was canceling the service. 

If this doesnt get corrected ASAP I will contact an attorney with the FTC to have the entire company investigated. 

I belive that this debt stemmed from a XXXX  security system that I had installed into my home in XX/XX/2015 after my parents ( who were also customers ) referred me to them. Less than 4 months into having the security system my alarm was triggered and the police were dispatched. Although this was a false trigger, I was livid to realize that due to inaccurate information that XXXX had in their database, they sent the police to MY PARENTS HOUSE, instead of mine. I immediately voiced my concerns over this issue but it continued to happen even though the " updated '' their systems every time this happened so I cancelled service the same year of having it installed. It was a meaningless security system if they continued to dispatch emergency assistance to the wrong address of call the incorrect numbers. I am not sure why this is being reported on my credit report but it needs to be removed asap. I did not receive and form of written communication from the debt collector that is reporting this false information, if i had I definitely would have disputed this. Both my parents and I have been more than dissatisfied with the " service '' that XXXX  provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: LA
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:
Equifax is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
Equifax was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX  with XXXX XXXX XXXX. 
I DISPUTED the Balance with Equifax, XXXX. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
EQUIFAX, XXXX, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Praxis Financial Solutions, Incorporated
State: MA
Product: Credit card
Issue: Other

Complaint:
I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank refused to refund fraudulent payments on my checking account, so I stopped using them. Now, they're still taking monthly fees, and rather than closing the account, they're taking the fees out of my mother 's account, somehow. She was removed from the account many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I go to First Tennessee in XXXX in XXXX every XXXX weeks. 
Every time it takes XXXX mins. Today was even longer in the drive thru so I went in. 
There were XXXX women behind the counter and XXXX people in line. Those XXXX were also running the drive thru. XXXX min to make a deposit is absolutely an unacceptable amount of time. I will go somewhere that either has better workers or more of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: NC
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:
The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: KY
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 FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2021 ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX-XX/XX/2021 ( I APPLIED AND WAS APPROVED FOR XXXX ONXX/XX/2021 BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ONXX/XX/2021 WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20212021

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 2016-07-27
Company: Stellar Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX overcharged my account by almost {$300.00}, by placing an early termination fee on my account. This was done in era because I still was a customer. After they noticed and admitted to the wrong doing they said they would not and could not take the charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I called the collector on XXXX XXXX, XXXX regarding a collection with XXXX XXXX. My court date was set for XXXX XXXX, XXXX. I spoke with XXXX XXXX and explained that I had been pursuing a loan to settle this matter and would like to do this out of court. XXXX said that he would call and cancel the court date and that I would not have to go to court. I specifically asked him if I would be in any trouble, like " contempt of court '' or anything legal like that. He said no, I would not be in contempt of court and no further action would be taken if I settled the matter. I telephone Messerli & Kramer on XXXX XXXX, XXXX and was informed that the judgement had been placed because I did n't show up for court, and now my credit has taken a huge negative hit. I asked to speak to a supervisor and explained the situation. The supervisor said he would listen to the transcript of the call, which he did and said that he understood where the " misunderstanding '' was made but that the judgement had already been filed and there was nothing he could do about it. 
Desired Resolution : Correction to a credit report Desired Outcome I am willing to settle this debt for the amount I owed XXXX Funding for purchases, less additional charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXXS - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}

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 2015-05-14
Company: Praxis Financial Solutions, Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Chrysalis Holdings LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom may concern I refinanced my house with new day USA XXXX XXXX XXXX. I set up auto pay in XXXX around XXXX  my first payment was due XX/XX/XXXX so on XX/XX/XXXX I noticed nothing came out of my account so I called. XXXX claimed my autopay would not take affect until XXXX so I said go ahead and pay it then two days later they charged me XXXX a second time. Which left me in financial difficulty for two weeks. Then I called to have the second payment refunded XXXX said they would send me a check so after week or two my account was electronically credited XXXX by then my XX/XX/XXXX payment was coming so I called again on XX/XX/XXXX because autopay did not take payment again they said I was in default so I checked the Mail there was a check for XXXX in mail from XXXX so they refunded both payments when they were suppose to keep one since then I have payed both payments my credit score has dropped 77 points while Im in middle of credit card refinance which was denied due to this all I received was Im sorry no I think not that is not enough for their incopetance

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: U.S. BANCORP
State: NY
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Received a call from US Bank numbers ( XXXX ), ( XXXX ) and ( XXXX ). I was told I qualified for a $ XXXX loan. They proceeded to pay off my XXXX XXXX credit card of {$1200.00} and they claimed it would bring my credit rating up. In turn I was told to then wire transfer XXXX from my credit card and in turn they would deposit the XXXX. That never happened. They soon cancelled the CC payment made to my XXXX XXXX. Today I telephone and was told to pay an extra XXXX. I am now submitting my complaint as I was scammed. 
The following individuals keep calling me from US Bank. 
XXXX XXXX and XXXX XXXX. All XXXX sounding voices and doubt that is their real names. 
XXXX, NY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed an account with American Honda Finance with the XXXX major credit bureaus and directly with AHF. The credit bureaus and AHF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: IQOR US INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Covid-19 Pandemic, and my subsequent layoff, had me fall behind, but since then, I have regained employment and financial security. I have had a spotless record of on-time payments. The debt has been paid in full. I now can not buy a home based of these missed payments. 

I wrote a letter of goodwill, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Law office MBA Collections I am XXXX  % XXXX  veteran this company has me reporting to the Credit bureau. A debt of {$410.00} for medical never send a bill but they was giving all the information to get their money from the V.A.  This account is more than three years old. And its not removed from my credit report please have them report this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: OH
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 have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.

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 2021-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CT
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2021-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Pulled my credit reports and noticed that the spelling of my name was incorrect. I've sent letters to have this information removed and updated to all 3 credit companies and only one responded and deleted some but not all incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX took a payment from the wrong account. I immediately saw it, even signed up for overdraft alerts and texts and never got anything. Luckily I was checking something and saw the overdraft and just switched money to the account, no big deal. XX/XX/15 {$38.00} overdraft fee which overdraft me again, moved more money and was told I will probably get hit with a fee again and that you should keep more money in your account so this doesnt happen.

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