BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I have noticed that my numbers on my dash board are not correct, for a example they're not having the accounts reflect ( they're saying I've 5 accounts resolved & only two accounts have been resolved one account was resolved last year, & one account this year.I started the program in XX/XX/2019, paid out over $ 5.000.00.They have listed on my dash that I've 22 accounts listed in the program which is not true, I only have a total of 13 in the program. I remove some accounts from the program ( over 10 from the program ) I ask them if I can lower my payments, they refused to bring my payments down. 
In the beginning I was paying XXXX twice a month, now they're charging me {$180.00} twice a month. I ask them if I end the program will I get my money back, the answer is no. 
Deceptive practices .... 

Freedom runs my credit report regularly to check to see if anything new on my report, I will receive a email mention have found a new issue on my credit report, which in response I would let them know where are you finding these accounts from, because I've my reports from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XXXX XX/XX/2022 Collection XXXX # XXXX No Category XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has removed these accounts before and now they are back. The social security number is NOT a match with my information NOR is the name on these accounts, or the address! Transunion is causing irreparable repair to myself and business as I personally guarantee my business. If not removed I will file civil actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
* Charged for services that were not being used by XXXX XXXX XXXX Attempted to contact XXXX to cancel an account which ( " They could not find '' ) in Early XXXX, XXXX XXXX claims they cant find the account The account was no longer in use after XX/XX/XXXX A payment was made on the XX/XX/XXXX that paid up-to-date the account prior to starting XXXX XXXX service The Account was closed in XX/XX/XXXX XXXX refuse to recognize service members XXXX XXXX service to credit account ( ADOS starts XX/XX/XXXX and ends on XX/XX/XXXX ) XXXX Failed to properly handle the account, refused to recognize previous attempts to close the account and sent for collection an amount of roughly {$280.00}, to include late fees, continued billing through XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I was issued a final bill and paid the balance of $ XXXX dollars in a money order to the complex within the 30 days as required. I then began to receive nonstop phone calls from a collection agency, XXXX XXXX XXXX, stating I owed them a balance. This was the same dollar amount and description as the unpaid balance left with the apartment complex. <P/>After going back and forth with XXXX XXXX at The XXXX at XXXX and XXXX XXXX with XXXX XXXX XXXX I was assured this would NOT be reported and it was an error on the apartments that was now under new management. ( Please see the attached email thread ). <P/>It is now over three months since I 've contacted and tried to resolve this issue, and unfortunately this matter has still not been resolved. This was posted on my credit report a week before The XXXX at XXXX forwarded me the email thread between them, XXXX XXXX XXXX and XXXX XXXX XXXX ( please see the attached email ), and it has still not yet been removed off my credit report. I 'm demanding this be taken care of, seeing that this was not my error. The balance was paid in full and I request an immediate removal of this debt off my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My data was affected as part of the Equifax data breach. I signed up for TrustedID from Equifax on XXXX. Today is XXXX and I received the sign-up email from Equifax last week, but their website has been down/broken. The sign-up email says " You have already signed up for TrustedID and this link is no longer valid. '' However I never signed up for this service - the link never worked for me. The website www.trustedID.com is down and has been for days. In the random moments the website goes live, I try to request my password ( I never created one, but it says I have an account, so I figured I could try it?! ) and the website just times out and then crashes. 

This is wholly inadequate. Equifax should be fined and censured for their callous attention to basic security practices which can affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2022-08-02
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over XXXX times for Capital One to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to Capital One that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX XXXX XXXX XXXX Capital One misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XXXX  on or before XX/XX/22. In the amount of {$320.00} for a dinning table set from their 3rd party vendor. I item wasnt as described on the website and when I received the item it wasnt in a box and the item was very very small. I called Walmart to inform them and to return this item I was told that they had to email The vendor and give them time to respond. The vendor then emailed me asking for pictures of the table in which I sent to them several times. I asked over and over for a return label and a full refund and nothing. I called my credit card company and they still charged me {$320.00}. I have emailed saved with the communication between me and the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Westlake Services, LLC
State: OH
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:
Around XXXX XXXX when things started to get bad for Americans Westlake Financial offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my XXXX these companies waste no time then send incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer, Select Portfolio Servicing Inc ( " SPS '' ), not properly disclosing existence of lease protected by Protecting Tenants at Foreclosure Act ( PTFA ) to potential Buyer ( s ). SPS using Occupant disclosure where they claim no knowledge of lease that has been provided by tenant to SPS attorneys during eviction attempt. SPS is misrepresenting their knowledge of existence and contents of lease that is material knowledge must be disclosed to potential Buyer ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX/XXXX/XXXX my employer received a voicemail on a general line where a collector ( XXXX ) working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, stated that there is a case against me where they will be doing an asset review, so I need to respond. I immediately called back after the owner of the company asked me to call them and tell them never to call back again for their unprofessional method of contact. The woman who answered the phone never introduced herself, never advised what company she was answering the phone for, and never stated that the script that the call was to collect a debt. She continued to verify my information. After verifying my identity, I asked her to remove the number of contact from her file ( identifying it as my employers line and they do not want this company calling again ), and was told that she will continue to call the number and harass other numbers on my file. I told her by law she can not. I told her I was not aware of the debt and would like the debt validated, as I am unsure if this is related to an old car loan where I was not responsible for the balance owed due a valid dispute with the company ( which was provided to the original lender over 12 years ago ). I was told that they would not validate the debt. And in addition she said that I am receiving mail from them but they do not have a valid address on file. <P/>I called back again due to the unprofessional nature of the Representative, this time another woman who did not identify herself answered, she again did not verify who I was. I asked her for the information of the company which she did provide, then asked her who do I address my complaint with. She went right into divulging details of their case, and said that the rep did note the account that they should not call the business. I explained that the rep was threatening to continue calling and harassing after being told not too. She said she did not meant that. The woman ( supervisor ) never took the time to verify who I was either, and continued to tell me that my asset would be up for review, she did not even tell me the call was for the purpose of collecting a debt either. But I explained to her that our calls here at work are recorded due to the nature of the business, so I have everything recorded. She did not contest the recording.I can and am willing to provide the recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is for services I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Fl. This was in 2017 fully covered by my insurance and I address this with the office which was being run by his wife. Then they closed down for insurance fraud for over charging the patients and attempting defraud them for charges not owed. They are presently under investigation. His wife has now sold patients information to private collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX payment sent to coltgunstore.com for order to send to XXXX  .XXXX  payment sent from TD Bank Checking Acct. to via XXXX on XX/XX/XXXX. 

To : XXXX XXXX ( Colt Store ) at XXXX From : TD Bank, Personal Checking, XXXX Sent : Sunday, XX/XX/XXXX Deposited : Sunday, XX/XX/XXXX Speed : Within Minutes Reason : Order XXXX. XXXX  XXXX  ( XXXX ) XXXX {$890.00} Payment ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I noticed several violations on my consumer credit transaction, demand that this matter is investigated immediately XXXX XXXX XXXX I brought a XXXX XXXXXXXX XXXX XXXX ( XXXX ) vehicle from XXXX of XXXX and XXXX was required to put down a down payment and now its being finance with Pen Fed Credit Union as XXXX XXXX XXXX XXXX violated # XXXX Federal Law on a consumer credit transaction no cash is supposed to be exchanged according to, Federal Law 15 U.S.C 1605 the Finance Charge is the sum of all Charges, according to ( truth and lending act ), defines except as otherwise provided in this section the amount of the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges payable directly or indirectly by the person to whom the credit is extended and impose directly or and directly creditor as an incident to the extension of credit. The finance charge does not include fees in amounts imposed by third party closing agencies including, settlement agencies, attorneys, in escrow and title companies, if the creditor does not require the impose of charges or the service provided and does not retain the charges examples of charges. Examples of charges which are included in a finance charge include any of the following types of charges which are applicable. interests, time price differential, and any amount payable under a discount, or other systems or additional charges. Service or carrying charges. Loan fees, Finder fees, or similar charge. 15 U.S.C 1679 82 to protect the public from unfair and deceptive advertisement and business practices by the credit repair organization. 15U.S.C 1662 ( b ) mixing cash with consumer credit transaction. 16 C.F.R 433.1 ( d ) go to the money loan companies that in cash advance for using a social or credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX  XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.

Company response to consumer: Closed with explanation