BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

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 2018-01-17
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collections agency. Diversified consultants inc. will not remove an account off my credit, for equipment from XXXX XXXX XXXX reporting as not being turned in, on XXXX I sent the company a debt validation letter, on XXXX they responded saying item is accurate, at that time I called the company compliance Dept and spoke with XXXX @ XXXX XXXX I explained to her that I actually turned that equipment in on XXXX and I Emailed her the receipt to XXXXXXXXXXXX I called her back and she said they had got my Email and would take care of it, so I dispute this item with the credit bureaus as well along with a copy of the receipt, they responded back saying the collection agency DCI says it 's an accurate account and refuses to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date XXXX has not given me any  information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any 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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

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 2018-01-19
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally contacted by Ability and was told I was owed {>= $1,000,000} by the City of XXXX. I contacted Ability and let them know they made a mistake. Ability later notified me in writing they sent XXXX with incorrect information. Later Ability sent me a knew notice, an attempt to collect {$130.00}. I contacted Ability and disputed. However, Ability resolve. 

Failed to answer my dispute with anything other than the same form letter. 
Ability refuses to provide supporting information to the account they 're attempting to collect. 
Ability fails to recognize they 're original correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
American Express has been fraudulently charging a different charge to my account every other month. Each of these charges are from a different one of their ( American Express ' ) subsidiary companies. See attached. While they are eventually reversing the charge when I complain, I suspect that they are doing this as people may not notice the occasional charge and ask for it to be reversed. The reason that I notice it, is because I do n't use my card, and these are the only charges that are on the account. I want to cancel my card, but I cant as I am constantly having to reverse the latest charge. There is nobody else other than American Express themselves who are doing this, as fraudulent individuals would not be generating different subscriptions to magazines or services owned by American Express every other month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors (XXXX, XXXX XXXX, XXXX / XXXX) rest all are not recognized and authorized by me.
So these hard inquiries should be removed from account. 

I tried calling Transunion but they said they won't take care of it and cannot delete these hard inquires.

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 2018-01-23
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have never authorized these inquires so please remove them. These items are not mine This is Fraud that I have them in my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
First TN trust account not allocated. 
XXXX XXXX XXXX t account not disclosed. 
XXXX XXXX XXXX XXXX accounts not disclosed Government bank accounts not disburses no payment received XXXX of XXXX XXXX check not disbursed. 
United States Treasury/State of TN-unsure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Services is reporting inaccurate, negative information on my credit reports. This information hasn't been validated and the balance showing owed is incorrect according to the original creditor. I am asking for this information to be removed from my credit file immediately.

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.

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 2021-03-10
Company: Credit Card Acquisitions Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Foster and monroe left the voice-mail below. I did not know who it was, called back and started speaking about my tax return This very important messages regarding a situation in our office pending regarding the tax return individual by the name of XXXX XXXX XXXX (? ) now. It's imperative that we speak to that individual their attorney or the power of attorney right away regarding the matter at hand pending in our office that may affect their 2020 tax return. Our office line here is XXXX XXXX thank you for your time and have a good key XXXX XXXX ... XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: TX
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 and XXXX  are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few months ago I got a copy of my credit report online. I had seen that Credit Acceptance had been reporting the wrong amount owed. When I called the first time, a rep told me that i would need to submit a from on their site or dispute it with the bureaus. As time passed the amounts that were paid on the account weren't being reported correctly. Each time I would call about this balance I was told by a rep to dispute it instead of them just going over the payments and readjusting to the correct amount,

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 2021-03-11
Company: Biehl & Biehl, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started hammering my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Dyck-O'Neal, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CONTACTED DYCK ON LAST MONTH ACCOUNT THAT HAS BEEN PLACED ON MY CREDIT REPORT IN ERROR ... .ACCOUNT WAS PLACED UNDER CHAPTER XXXX ON XX/XX/16 AND THEY ARE CALLING TO COLLECT ON ACCOUNT IN WHICH IS AGAINST THE LAW ... I INFORMED THEM TO SEND WRITTEN NOTIFACTION OF DEBT AND THEY HAVE YET TO SEND ANYTHING AND WILL NOT REMOVE OFF OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: STATE FARM BANK, FSB
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: Account status incorrect

Complaint:
I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX SPS sent the Repayment plan to me with a XX/XX/2019 1st payment due day XX/XX/XXXX I made the 1st payment through XXXX XXXX, as they instructed XX/XX/XXXX I received the letter saying Repayment program was withdrawn because 1st payment was not received XX/XX/XXXX I sent an appeal to the withdraw and NOE SPS tells me they do not an answer to my appeal and are continuing with the foreclosure sale, which is dual-tracking They explained they will have answer on XX/XX/XXXX, which the Saturday before the sale. The sale is to take place on XX/XX/XXXX, that will lessen my legal opportunities once they reach a decision to my appeal,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: USI Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. 
Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is neglectful in communicating within certain departments like insurance and escrow. I was told my insurance on a new house would be paid then told it would not. The neglected cause a cancellation insurance and they are charging me additional monies due to the promise made by different personnel. I ask for financial relief because I was paying rent and mortgage and was not given any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: KS
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:
Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXXt accounts are preventing me from obtaining a car loan.

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, Transunion. I have one hard Inquiry from company : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted XXXX  .Have not herd back from any of this mentioned company.Regarding 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 2018-01-24
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, I had various online transactions that were fraudulent. As soon as I saw them on my statement in XX/XX/XXXX, I called XXXX security team to have my card canceled and file fraudulent claims on those transactions. I did receive a new card but did not receive any updates on the claims. 2 weeks later I talked to a Citi representative via chat and they also informed me that no disputes were filed and that she would file them for me. A week later after not hearing anything, I called Citi again. The representative XXXX also said that neither of the agents had filed any disputes on the fraudulent transactions. He also said that he would get the matter escalated, but I believe nothing has been done from the 3 times that I have tried to contact Citi.

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 2018-01-24
Company: Phoenix Financial Services LLC
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: Information belongs to someone else

Complaint:
To XXXX XXXX XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, Phoenix, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I made my final payment on this credit card ( XXXX XXXX XXXX a XXXX XXXX XXXX ) credit card, I was left with a XXXX balance. This company held that payment for 3 days just to make me late and charge a late fee. Knowing that I had a XXXX balance and never went on this site again till XX/XX/XXXX when I noticed what they did. Hold my payment and charge late fee in XX/XX/XXXX and XX/XX/XXXX. They refunded one but they need to refund both which they did n't do. Scamming Hurricane victims out of money is wrong. This bank needs to be stopped from holding payments and putting it thru just to collect late fee 's.

Company response to consumer: Closed with explanation