BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BM  O Harris  Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs (  getting charged multiple late fees over a loans life cycle ).

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 2022-03-31
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Three disputes were filed with PNC. The most recent approx XX/XX/XXXX regarding XXXX  for {$75.00}, the Second was a XXXX transaction to XXXX XXXX on approx XX/XX/XXXX for {$100.00} and the third to XXXX XXXX XXXX on approx XX/XX/XXXX for {$17.00} and change. PNC already declined two of the three without ever contacting me with questions, accepting documents related to the claims or discussing any details whatsoever. Their customer service employees in the branches and by telephone refuse to provide telephone numbers to the dispute department and state " they are a third party and they will not speak to you. '' My checking account has been overdrawn at least one week due to the XXXX and XXXX transactions and unusable. XXXX  took {$75.00} from my account though service was never started, equipment never connected, and I never lived at the address. The XXXX transaction was for a rental property application which was never processed, the individual did not contact me and tell me and it was discovered after that the business she lists as hers which she works under has been inactive since XXXX. The XXXX XXXX XXXX payment was for a newspaper subscription which I never received, not one single issue. They gave a partial refund of {$8.00} and change. PNC made me refile the claim 4 or 5 times but every time declined it saying I gave an incorrect reason for the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: AL
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:
Equifax is allowing creditors to report false information on people credit reports. XXXX  has done the same investigation and these accounts were removed from my credit report however Equifax is reporting a false delinquency date to continue to report false information. I have two accounts in my report past the legal time frame. One for 10 years the other 7. I also have an account that has been paid that they want remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX back in XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. I sent a certified letter twice to XXXX and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. I provided proof and it was removed from my credit. 

Fast forward, earlier this month, I received a collections letter from XXXX stating they are representing XXXX to collect a debt that I do not owe. I have contacted XXXX numerous of times in addition have contacted each collections company that they sell my account to. This company has requested that I provide a letter in writing in which I did but apparently they have not received it. They state that I must notify them within 30 days. I get a credit alert today which is NOT 30 days that this debt has been placed on my credit report. This XXXX debt does not belong to me nor has XXXX been able to provide me with a contract or anything to show that this was my phone number. I have the original contract and never changed my number. The other collections had to remove it from my credit because I have provided all documents as proof. In addition, XXXX must remove this too because this debt does NOT belong to me nor do I know who it belongs too. I am attaching proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
My HELOC with XXXX XXXX XXXX termed out XX/XX/XXXX and at end of term XXXX XXXX sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called XXXX XXXX XXXX for guidance. I was told by a representative to continue making monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from XX/XX/XXXX - XX/XX/XXXX. I then called the XXXX XXXX customer service line. The XXXX XXXX XXXX  representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact XXXX XXXX who called customer service on my behalf many times. Then Huntington Bank took over XXXX XXXX XXXX and now many of the personnel familiar with my situation are no longer employed by Huntington Bank. Luckily my XXXX XXXX branch contact XXXX XXXX is still with Huntington Bank. XXXX has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected. Huntington Bank has since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internally, Huntington Bank knows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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:
I have 14 hard inquiries from TransUnion report that are not mines... please remove

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 2019-12-02
Company: EQUIFAX, INC.
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:
On XX/XX/19 I contacted by phone XXXX XXXX Business Customer Service to inquire into possible switching to another cell phone plan ( that was less expensive ) and/or switching to a regular XXXX account from a Business Account. After 1hr and 40 min on the phone with both a representative from the business and consumer side of XXXX ( we were on the call together via conference call ) they informed me that switching to a new plan on the regular consumer side would be far less expensive. The representative than patched in a representative from their " transfer department '' that asked for my permission to transfer my account. I specifically asked if they would be doing a hard inquiry to my credit report and added that I did not authorize ( and would not authorize ) a hard inquiry as I know this impacts my credit score negatively. I was reassured that this was for " internal use only '' and they would not do a hard inquiry. Soon after my cell phone went dead and the phone call was disconnected. Within 5 minutes of this phone call ending I got a credit alert from XXXX XXXX ( via email ) telling, e that XXXX XXXX just did a hard inquiry on my credit. This should be illegal! At no time did I verbally authorized this! I'm sure this phone call was recorded and somebody should listen to this call and not only remove this hard inquiry but make sure that company procedures are changed to eliminate this from happening to other consumers. I plan on exercising my rights to the fullest extent of the law ( including obtaining legal counsel if required ) if this is not corrected immediately. If XXXX is claiming they had the legal right to do so I would expect that they provide me with the proof ( that doesn't exist ) that I authorized this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: M&T BANK CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me. 

Someone stole my identity and has been opening accounts in my name for the past several months. I have NEVER lived outside of Delaware. There is a XXXX OH address on my credit reports- it's not accurate. They have used that address to send credit cards to. 
I do not bank with Bank XXXX XXXX, XXXX XXXX, XXXX or M & T.

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 2021-10-28
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: Old information reappears or never goes away

Complaint:
I am writing this complaint in response to another complaint filed XX/XX/2021,. Transunion had been reporong an old delinquent child support account From XXXX XXXX, past the statute of limitations because the credit bureau recieved the paperwork with the real XXXX, the bureau verified it is 7 yrs past statute removed the account, but the account is still appearing on my credit report, they are in violation of the fair credit reporting act, everytime I call i always get transferred to a supervisor or representative in XXXX in XXXX I'm XXXX getting sick of this bureau violating the FCRA, and not reporting correctly. If they do not remove this account like it says on my credit report I will sue the XXXX out of them, they are causing me XXXX XXXX reporting XXXX debt, even after I sent them evidence of the original first date of delinquency which was 8 years ago,

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 2022-02-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC I request a validation of the original instrument where I sign the contract with this debt collector & they refused to respond to any of my letters sent out to the company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint Details Complaint Details XXXX XXXX XXXX Yes I been trying to get XXXX XXXX XXXX XXXX XXXX to validate my debt they say I have with them ... Via 609 letter ... this letter is asking for proof of a signed contract by me they suppose to provide with my signature.. I did not give anyone my permission to give my personal information out ... XXXX XXXX XXXX XXXX just keep sending me documents that do not pertains frca regulations.. basically it looks like a made up receipt.. the issue has been going on for a couple of months.. and is hurting my credit history.. proper validation is what I need to handle this issue ...

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 2021-10-28
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Information belongs to someone else

Complaint:
FCRA Violations please add payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missing payment history for 1 year : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Credit Karma, LLC
State: WA
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:
Credit karma approved my times for loans and credit cards.I applied many times and was denied and it made my credit score go down.They sent me many notifications from their app saying I was approved and through email.My credit went down and they told me it would not affect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violations please add payment history XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Missing payment history for 1 year : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-10-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my XXXX and XXXX instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my XXXX and XXXX XXXX XXXX by Silence letter XXXX via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all XXXX request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive any letters on what happened with the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX XXXX  approximately {$100.00} usd was extracted out of my account from a strange cashapp account that I dont recognize. Nobody has my card or password. This was straight up hack and scam situation. Ive been disputing this charge for months only to keep getting declined by cashapp or given the run around. Cashapp needs to be held accountable as much as the culprit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RMP Services LLC is reporting on my XXXX credit report that I owe them {$1000.00}, this was paid by another collection agency out of XXXX, Nebraska through XXXX XXXX XXXX over a year ago. I settled the account and amount with them and now this new collection agency is stating I owe them the whole amount of {$1000.00} and threatened to take me to court and get an attorney. I know medical bills are not by law suppose to be reported on your credit reports anymore. I did have XXXX and now in XXXX and have paid all my medicals off so I was very upset when I saw this on my credit report especially when they sent no letter to my previous address or the new one. I sent them two letters to request documentation asking for what this was for and date of service and all I got back was this generic letter. The letter I received back was ridiculous as I gave them all the information they are asking for in my original two letters. I have now sent a 3rd notice requesting the information again. I want this deleted off my credit report, its illegal as the federal trade commission law that passed in XX/XX/2020 so they are in violation of this Act. 

Thank you so much for helping resolve this matter, I am trying to purchase a home for my family and this is hindering me from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, TransUnion, and XXXXx.

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 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and th ey brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I ha ve yet to receive any letters on what happened with the deposit.

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