BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A 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. THIS IS MY 2ND REQUEST... TRANSUNION : Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : US BKPT CT XXXX  XXXX XXXX  Ref # XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2019-11-25
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Im asking this agency to investigate this triad financial - for fraud and over charging us - I have an impound basis account - to them and I never been late in paying them - Im still retrieving bills from the XXXX XXXX county collectors.

This company even over charged me, when in time of the closings the loans. 

There office in XXXX XXXX will just transferred me - while Im talking - and its always a voice mail. 

I send my concern in this agency before but this triad never called me at all Hope that they will be investigated for fraud activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 15 USC 1681 Section 602 A 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 Section 602 A 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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 BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RESUBMISSION : I reached out to IQ Data XX/XX/XXXX and I never received anything back from them. I am seeing that they received my letter and instead of replying back with information on this alleged account they have " increased the balance '' of the account. I have uploaded the green slip that shows that I mailed off a letter to request validation and again nothing was received except for these notifications that the balance that the account amount is increasing. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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:
In XX/XX/2019 my credit score was cut by Experian from XXXX to XXXX by Experian. They said I had an unpaid bill to XXXX for XXXX for my subscription to XXXX XXXXXXXX XXXX XXXX That magazine renews on XX/XX/XXXX and XXXX renewed on XX/XX/XXXX. I was not made aware of that. I paid the amount due on XX/XX/XXXX. I have been with Experian ever since. My credit stands at XXXX. I have XXXX credit card, a XXXX card from my bank XXXX XXXX. I pay it off every month. I do not carry over unpaid balances. I am not charged any interest on that account. I do not have balances which Experian alleges. XXXX XXXX will tell you I have no unpaid balances nor late payments. 
I believe that Experian characterizes me as not being able to manage my money but examining my financial record would reveal that I manage my money very well. 
I believe that XXXX believed I was only XXXX months late paying for that subscription. 
I would like to see Experian reduce my 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 2020-01-16
Company: EQUIFAX, INC.
State: CA
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 AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN CONTACTING EQUIFAX THE CREDIT REPORTING AGNECY FOR ALMOST A YEAR NOW ASKING THEM TO REMOVE THE FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT. I HAVE ALSO CONTACTED THE CREDITOR XXXX DIRECT AND THEY HAVE CONDUCTED A REVEIW AND HAVE CONCLUDED THAT THE ACCOUNT WAS OPENED FRAUDULENTLY. THEY HAVE PROVIDED PROOF TO ALL 3 BUREAUS THA THE ACCOUNT SHOULD BE REMOVED. NOW OVER 6 MONTHS XXXX   AND XXXX XXXX HAS REMOVE THE FRAUDLENT ACCOUNT FROM MY CREDIT REPORT BUR EQUIFAX REFUSES TO REMOVE IT. I STRONGLY BELIEVE THAT EQUIFAX SOLD MY INFORMATION AND THEY ARE DISCRIMINATING AGAINST ME. I NEED THE XXXX ACCOUNT OPEN DATE XX/XX/2017 REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Tried to use my debit card to pay gas, Sunday XX/XX/21. My debit card was declined. On XX/XX/21 I had one card debit go through, and was overdrawn {$20.00}, Huntington charged me 2 over drafts for 36 dollars each for being {$4.00} over the 50.00 limit. I called was told I should have been charged only one. Had to call waited 45 minutes for that discussion with the bank. 
Have pending amounts on my account that take a couple of days to go through, but they put another hold on my account for XXXX for prescriptions denied on pending transactions. XXXX XXXX XXXX, had  XXXX on Friday, 2 month ago in urgent care for blood  of XXXX. Finally got it regulated. Called bank, no customer Service, available, would call me back in one hour and eight minutes. Left the pharmacy without medication. I have a agreement they pay debit card purchases if even over drawn. They instead just deny the purchase and card. I asked about this, on Sunday was told any agreement between me and the bank is at their discretion. They changed cash advance this month, only available if you keep a balance of 200.00 in your account. 
They was changed without sending out notices to customers. Before no balance was required. No reliable customer service, Taking alot of the day just to talk someone. 
They're advertising for bank is disceptive, state what they offer, and change it with little to no notice, or say it's at their disgression. 
Talk to a customer service supervisor, who claimed they used to work for TCF, asking him what was going on, he was belligerent, Rude and told me they could charge as many over drafts on the account that they wanted up to 6 a day at the banks disgression.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13
Company: National Check Resolution Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Got a call from XXXX someone named XXXX at XXXX XXXX and XXXX then threatened I owed some debt and I would be served paper work at my work between XXXX on XXXX

Company response to consumer: Closed
Consumer complaint received 2017-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 past two weeks I have contacted : XXXX XXXX ( a Capitol One service ), Capitol One, and XXXX ( who provides the service information to Capitol One ).
This complaint concerns XXXX XXXX reporting, the failure of Capitol One to address the complaints, and XXXX for failing to provide the correct information in a timely and reasonable manner.
I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT Capitol One - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and XXXX  fails to act on the deletion.
I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months.
In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %.
I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CL Holdings LLC
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:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is JEFFERSON CAPITAL. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why Jefferson Capital is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes JEFFERSON CAPITAL as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has a Public Record posting on my credit report of Bankruptcy that states is was dismissed before it went forward. But they still have it on my report and will not remove it. It is hurting my credit badly. Equifax has made it impossible for me to file a complaint, stating their personal information does not match the personal information I submit on their online form ; further, they say I can fax my driver 's license to them but that will not fix the situation for XXXX reasons : one, I have dual residence and my license reflects my other address, and two, I am XXXX without a fax machine and it creates a hardship for me to even try to follow their instructions. The posting should have been removed since it was dismissed and not germane to any credit evaluations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've requested validation & verification of this alleged debt and only received a non detailed statement of this alleged debt. I also requested the original signed contract " not copy '' in which I've never received I only received a computer generated copy of initials which could be copied and paste. Medicredit has failed to validate and verify this alleged which is a direct violation of FDCPA pursuant to 15usc 1692g that states in order to collect on a debt all items requested by consumers should be provided. This alleged debt constitutes fraud, I've also been contacted at place of work after I requested to not be contacted. Which are violations 1. Place of work 2. After I sent cease & Desist. Medicredit is alleging I XXXX XXXX owes a debt. This is erroneous and misleading the alleged debtor is XXXX XXXX which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what type of debt this is and I know that I did not open any accounts with XXXX in XXXX. XXXX said in XX/XX/XXXX that I have never held any accounts with them. I received no help from them in getting this off my credit report because the managers I spoke with said I never had a credit card or any other kind of account with them. They refused to help me further since I was not an account holder. As a result, I opened a checkings account. Every representative I have met with has told me there are no other accounts in their system with my personal information and that includes closed accounts. A fraud investigation was opened and I learned that my online banking preferences were being ignored. XXXX representatives said they did not know why I was receiving 10-20 letters from them in a week. I brought every batch of letters unopened to a branch location. The employees said there wasnt anything they could do and they documented the issue. XXXX has never verified if the letters were from them or were fraudulent. All I know is that XXXX could not figure out why my opt out preferences were being over ridden and they dont know why I received duplicates of statements and in some instances I received an entire new batch of letters that I had already received months prior. XXXX waives my monthly account fee while they resolve the incident. My fee was waived for this months billing cycle. 

I dont know if the XXXX account issue detailed above is related or not. The only XXXX information I have is from the account I opened in XXXX. Please note that the rep misspelled my name and that issue is pending correction. The name on the account is XXXX XXXX. 

If someone has an account with XXXX that uses my information, could that be the reason that my account is not functioning as designed? Are my preferences overrriden by another account? Or is someone accessing my account without my knowledge because they have my SSN and birth date? Am I listed on any other accounts? 

The debt is with Portfolio Recovery Associates. The only information they provide is XXXX XXXX reported XX/XX/XXXX, XXXX. The amount has not changed since initial collection attempts and is {$2200.00}. XXXX is XXXX. XXXX XXXX XXXX XXXX XXXX VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: NJ
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 a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

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 2020-01-16
Company: HW Holding, 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:
XXXX XXXX XXXX XXXX IS UNKNOWN TO ME I NEVER HAD AN ACCOUNT WITH THEM AND I CALLED THEM THEY HAVE NO INFORMATION FOR ME I DONT KNOW WHY IT WONT REMOVE FROM MY REPORTS XXXX AND XXXX WILL NOT REMOVE FROM MY REPORTS I HAVE NO HAD AN ACCOUNT WITH THEM THEY SHOWN IT AS ACCURATE I DONT KNOW WHAT IT IS I HAVE EXPERIENCED FRAUD. ITS PREVENETING ME FROM FINDING A PLACE TO LIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX XXXX Loan # XXXX My email is XXXX On XX/XX/XXXX I applied for a loan of {$500.00} was approved ( confirmation # XXXX ) and I picked up the money in person the same day. On XX/XX/XXXX I applied for another loan as I was already approved for a higher amount when I applied initially on XX/XX/XXXX but chose not to take the full amount since I had a check deposit due to post to my personal bank account by XX/XX/XXXX but due to banking issues did not post as expected .On XX/XX/XXXX I applied to take out the remainder of what I was approved for which was {$1500.00} and change and picked up the money the same day on XX/XX/XXXX. On the same day XX/XX/XXXX a friend agreed to loan me money after i explained to him the banking issues I was having and the expensive pay day loan I had to take out. After getting the money from my friend I called Speedy Cash and asked them to rescind the loan and just take it out of my bank account with the bank info they already had on file ending in XXXX. They refused and advised me to go back to the store in person which is 30 minutes away even after I informed the representative that I was heading out of town for work. Not being able to rescind the loan in the window provided by Speedy Cash will incur me fees that could have been avoided had Speedy Cash just taken the money back and rescinded the loan with my checking information that was already on file with them. I want them to refund me any and all fees associated with the entire amount of this loan due to them refusing to rescind the loan over the phone or by email communication like I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation