BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
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:
Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: DC
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by15 USC 1681. And they violated my right numerous of times. I demand the accounts listed below be remove because According to 15 USC 168 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lakeview Servicing, in association with XXXX & XXXX bank failed to protect my personal information, including XXXX. They had a data breach in XXXX XXXX to their file servers. This was not reported to me until XX/XX/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 2022-04-08
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX natural person recently did a cfpb Complaint against Commonwealth Financial Systems Inc for putting medical collection on my consumer report. I didn't receive a letter from them about this debt. So how can I respond in 30 days. I'm demanding proof that Commonwealth Financial Systems Inc sent me a letter and I sign with my wet signature showing that I received it. Even so pursuant to 15 usc 1692g ( c ) Admission of liability- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So the only person that can say I owe this debt is me. I DO NOT OWE THIS DEBT. SO REMOVE THIS COLLECTION FROM ALL MY CONSUMER REPORTS. Show me an agreement stating that if you buy my debt from the original creditor that I would pay you with my wet signature!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2017-05-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Had a horrible experience wit h Citibank an d having been trying to resolve since  XXXX     2016. Spo use opened a credit card in my name and bank did not get routing number correct for auto payment. Which turned in to two months  of non payment. Recieved a phone call finally in  XXXX  of past due amount and upon confirming I do indeed have account with them paid it immediately and was advised no negative action would be taken if paid in full that day. I was lied to and they ended up sending it to my credit report which negatively impacted m y credit score goi ng from  XXXX  down to  XXXX . Numb er one the y never confirmed I am th e one opening said such account and number two state d they would not report this do to a clerical error. They refuse to remove the negative comment and state they sent emails of past due amount. I admit there is email after going back to history but since I never opened the account fiqured it was fraud and someone trying to get my personal information. Please look into this as I am sure I am not the only one they are doing this to.

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 2022-09-01
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had noticed a charge on my credit report for LVNV FUNDING I had no idea what that was so I sent a debt validation letter to them last summer XXXX which they did not respond to. The very first time I was contacted by LVNV Funding themselves, it was to be served because they were suing me XX/XX/XXXX. The case had a set date I believe XX/XX/XXXX and then XX/XX/XXXX but ultimately the whole thing was cancelled. I called in XXXX before the first court date in an attempt to settle and was told I would be contacted shortly. XXXX came and I still was not contacted. I received a letter in the mail stating my court date had been pushed back to the XXXX, and a few days later I got a letter saying my court date was cancelled. I called LVNV again trying to understand what happened, left at least 5 voicemails for a XXXX that works there ( that I was waiting to be contacted by. ) I called a general line at LVNV and was able to talk to someone who said that my profile was set on do not disturb status which I never requested. They also were able to clarify what this debt was for, which was a XXXX account. I asked for that to be reset because I wanted to discuss this. The agent said he was unable to, again being told I will be contacted through mail & again never receiving anything, even after confirming my mailing address. I see it every time I check my credit report, and they have now added on $ XXXX in charges and I havent been able to discuss anything with anyone let alone set up a payment plan to settle the debt. I really need them to either contact me so I can settle this matter or remove it from my credit report so it stops harming me and my reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The number associated with this complaint is my work number which I NEVER gave out. 
Our work numbers recently changed and the new number ( this one ) hasn't been registered on DO NOT CALL LIST and again, I never gave out my number to this 3rd party collection agency for a Hospital ( The Hospital doesn't even have my new number ) I informed them this is my work number and I never gave them permission, nor is it lawful to harass someone at their place of work. They informed me -- -it isn't against the law to contact someone at their place of work but they will remove my number. They lied. They refused to transfer me to a supervisor. The place is called XXXX XXXX -- -their number is 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 explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XXXXXX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is demaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report Thank you 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 2021-04-20
Company: EQUIFAX, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau over a month ago regarding inaccurate accounts on my report. It is now 45 days later and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made 2 deposits on XX/XX/XXXX ( {$33000.00} and {$9200.00} ). I am a retailer at XXXX for at least 4 years. I have been making deposits ( amounts alway vary ) on the XX/XX/XXXX of each month for this entire time. Been a WELLS FARGO customer for almost 20 years. ( 2 of my cards say customer since XX/XX/XXXX ) To my very disappointing surprise I learned from XXXX at the XXXX XXXX branch on XXXX in XXXX XXXX XXXX that {$28000.00} is on hold till what could be until the XX/XX/XXXX. 11 days after its deposited!!! XXXX XXXX even called him to confirm the funds were there and as of this morning XX/XX/XXXX the funds are still not there. Totally wrong to do to an established customer. This is very irritating to me. Does WELLS really want me to move to another bank. Take a look at my account and see how much money I run thru there. 
Ive also left a message on XXXX XXXX phone at 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 2017-12-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for credit so that I may have funds as I am going thru XXXX. My credit report from equifax and XXXX were embarassing and incorrect. XXXX was accurate and contained information the was true and correct. I contacted equifax and XXXX and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards, I have banked with XXXX XXXX XXXX  XXXX XXXX for over a decade and have never been late nor missed a payment. I was told that my information was on their system but nobody could see it because the bank refused to pay their fees. But at the same time if something negative appears they have no trouble reporting that. there is a XXXX point difference between my XXXX report and my XXXX and equifax report. when I tried to resolve this problem with equifax and XXXX they would not discuss this with me. This started in XXXX of XXXX with no explanation of why my credit score dropped XXXX points in 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir/Madam : I previously filed a complaint against this same company for the exact same debt. 

It was resolved by the company sending communication stating and admitting that the debt was completely resolved and nothing further was owing. 

The complaint previously filed and ruled in my favor is XXXX. 


I am incorporating that entire complaint herein by reference. I am also including by reference all of the documents which were previously submitted and answered by Ally. 

They claimed there was no fraud. However, the following has occurred since the closing of the complaint referenced above : 1 ) Complaint filed ; 2 ) Ruled in my favor and admitted by ALLY it was paid in full ( as I originally stated ) ; 3 ) Yet - after they admit I owe nothing, they have CONTINUED with debt collection and added further illegal interest to a debt that is not owed.

Thus, it certainly seems like fraud where they answer your governmental division that I owe nothing and then continue to proceed to add more debt and further collect on a debt that I do not owe. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CPFB did not address multiple complaint issues against Barclay Bank : 1 ) Barclays assessed my   account as a default risk with no credit history to suggest this a a p ossibility 2 ) Barclays su bmitted excessive hard inquiries to credit bureaus in an attempt to harm my credit and refused to correct th ese 3   ) Barclays fo rced me to close all my accounts to avoid catastrophic harm to my credit report as well to others in credit card forums on the internet.    XXXX   card, the Black Card, i had to pay an annual fee of {$490.00} and because Barclay actions forced me to close it, Barclays h as been unwilling to return a pro-rated fee of {$250.00} to me as i can longer use the features and benefits of the card due to no fault of my own.    4 ) Although all  XXXX  cards were closed simultaneously, Barclays took its time reporting the Black card closed 5 ) Barclays issued predatory documentation AFTER i requested the accounts closed to substantiate its actions -- again of which have proven incorrect in Barclay assumptions.      I have contacted the Banking oversight committees due to the very malicious wa y Barclays is treating its American customers as well as the lack of proper review and addressing issues by CPFB itself .

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 2015-03-26
Company: Platinum Holdings Group, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Atlanticus Services Corporation
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:
To whom it may concern : On XX/XX/XXXX I received an email from " Fortiva '' regarding a " Fortiva Account purchase notification '' with account number ending in " XXXX. '' Alarmed, I immediately called the company and got an automated voice -- as this was a fraudulent account I was unable to type any information that would lead me to a customer rep. I then went online and emailed the company using their email contact service about this fraudulent account and requested that it be closed. On XX/XX/XXXX I received an alert from XXXX regarding an a new account -- I then saw that Fortiva had been added to my credit report with an outstanding balance of {$640.00} with a total for {$4000.00} and that this company had also done a hard inquiry on my account along with XXXX XXXX  -- both on XX/XX/XXXX. Both of these inquiries were the result of fraud. I would like help in closing this fraudulent account and removing it from my credit report. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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:
XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ 5 monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NY
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:
Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: MD
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation