BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: Checkr, Inc
State: NY
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: Public record information inaccurate

Complaint:
XXXX XXXX is posted two times, once on the date of the XXXX  and again on the date of XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - date of XXXX  The Accident dated XX/XX/XXXX was 100 % not my fault, the other driver rear ended me and I won a settlement in the case for the other driver 's neglect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I withdrew my money from a money market account and closed it. Discover bank claims to not have received my initial request to close the account and is charging me fees on the XXXX  balance. They refuse to close the account and keep charging me fees! 
XXXX - XXXX out the account and send closure via bank 's internal messaging. 
XXXX - Messaging via bank 's website again requesting closure. Was told they would not because they are charging me a minimum balance fee. ( - {$10.00} ) XXXX - Telephone conversation with bank employees. Requested account closure, and was refused again. ( - {$10.00} again ) Discover bank continues to charge monthly fees on an account that was a savings money market account - not a credit account! They are providing no desired service. I have not borrowed any money from them. 

The bank refuses to close the now negative account without payment of their fees. There was no fee for closing accounts apparent in the agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my XXXX/TransUnion credit report : XXXX XXXX XXXX XXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX XXXX is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, 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 2020-09-02
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a letter of Validation, Cease and Desist, Invoice and Affidavit of Truth And Facts XX/XX/2020 with Signature and Return Confirmation to Mercedes Benz Financial Services. 

Mercedes Benz Financial Services did sign for the package on XX/XX/XXXX at XXXX. 

Mercedes called and left a message XX/XX/2020 which is a violation of the Cease and Desist. 

Mercedes has not sent any correspondence via mail in regards to my Validation, Invoice or Affidavit of Truth

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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:
I have a couple of hard inquiries that I have been trying to have removed. I have tried multiple times. As well as an item on my accounts that is incrrect as well. These items are effecting my chances of getting and building any new credit. These items are incorrect and should no longer be on my reports Inquiries : XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
All the below are on my credit report. How is this fair that they 1 ) have not contacted me 2 ) going by 3 different names and hitting and negatively impacting my credit report each month? 3 ) how is this legal for them to do? XXXX/XXXX/XXXX {$440.00} by credit control services XXXX XXXX/XXXX/XXXX {$440.00} by Credit collection services XXXX XXXX/XXXX/XXXX {$440.00} by ccs collections XXXX XXXX/XXXX/XXXX {$440.00} by Credit control services XXXX How do I keep these unfair and illegal activities happening to my credit report by these companies any further and I want these derogatory and illegal collections removed asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a school loan for {$9000.00} back in XX/XX/1994.I didn't pay it back on time.They then garnished my wages. I went through a good faith program were I paid x amount of money for a year and they lifted the garnishment I been paying faithfully for almost 20 years and now I owe {$33000.00}. I pay XXXX per month now. at the end of this year I will owe more then I owed at the beginning of this year .Something is so wrong with this picture please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Real Time Group, Inc.
State: FL
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:
Real time resolution my second mortgage company has been reporting me as 30 days late every month since XX/XX/XXXX to date. I have been involved in a chapter XXXX since XX/XX/XXXX and have been paying the trustee every month and the trustee has been paying the mortgage every month. I believe that real time resolution loan is a scam. I was not disclosed that this was an adjustable rate that adjusts every month I was told the adjustment was every year. I think real time resolution is just trying to keep me from being able to refinance their loan which would save me XXXX per month. This is what I've heard called propriety lending. I have had issues with getting monthly statements from real time and just mail them payments in excess of what is owed and asking them to apply overage to principal which they are NOT doing either. Please help ... this is out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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 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.

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 2017-08-22
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company placed a collections on all three of my credit reports. I disputed the validity of this debt. I have never been notified of an outstanding debt. I did not and do not acknowledge this debt, they started over the 7 years after my claim was denied on XXXX and updated the other two credit bureaus as if this were a recent account. I have the credit reports from BEFORE I disputed and this was originally reported in 2013. Now I am receiving harrassing phone calls every day. I do not answer or communicate with them.
It says I owe {$1400.00} but the original debt is {$1100.00}? Hows that even legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from XXXX XXXX XXXX on behalf of the Bureaus Investment Group Portfolio No 15 LLC. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from XXXX XXXX for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the XXXX number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Transunion, XXXX XXXX. 

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission so you know it's not a game. I want you to remove out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of { {$1000.00} } per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES

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 2017-08-19
Company: EQUIFAX, INC.
State: MO
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 've disputed a XXXX XXXX account ( # XXXX ) on my credit report twice with Equifax because its inaccurate. The account continues to report after the statue of limitation. Equifax insisted that the account is reporting correctly. I was advised by Equifax to contact XXXX XXXX  directly to resolve this problem. I 've attempted to dispute this account with XXXX. I spoke with a manager in the credit card department by the name of XXXX ID # XXXX onXX/XX/XXXXat XXXX and she stated the account has not been reported by XXXX XXXX since XX/XX/XXXX and that there was no information she could provide because the account has been past the statue of limitation. XXXX  advised me to dispute this issue with Equifax. In conclusion, I am stuck with no resolution. How is Equifax reporting this information accurately when the account holder can not be provided with any information? I requested proof of validation from Equifax and I 've yet to be provided with any documentation. I am requesting that this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Consumer Adjustment Company Incorporated
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:
The assumed account was placed on my credit report from consumer adjustment co. The original creditor is XXXX XXXX XXXX XXXX XXXX. It was placed on my report on XX/XX/2021. I have no knowledge of this at all. I've had my identity compromised and had to file police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021

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 2022-01-19
Company: Rocket Mortgage, LLC
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I searched the web to find lenders to assisist in purchasing my home. I immediately get a call from Rocket Mortgage. I explained to them that I did not want a hard inquiry done because I had been improving my credit for the last 3-5 months, and could they just answer some questions. The phone call ended with an understanding that I would need to improve my XXXX XXXX. On XX/XX/XXXX get another call from a different agent from Rocket Mortgage. I explained that I had already discussed what I needed to accomplish with one of his co-workers/agents. I told him it was important for me not to have a hard inquiry done at this time. I even told him I would be very angry if he did a hard inquiry and would not be able to assist me. He continued to convince me into checking my credit report with smooth talk, after I told him repeatedly that I was sure that I would need to increase my credit score and the hard inquiry would hurt me at this time. He continued to convince me after I expressed to him continously and I gave in. Unfortunately, he could not help me and my credit score decreased immediately. I called the company to have it removed, because I felt I was persuaded to fit his needs and not mines after I repeatedly told him a hard inquiry would hurt me tremendously. His XXXX  and cunning tactics has set me back from my accomplishing my goals. I feel this company should remove this hard inquiry from my credit report immediately because he acted deceptively to get my permission to pull my credit report.

Company response to consumer: Closed with explanation