BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I checked my credit situation on  XXXX   XXXX  and noticed the dealership I had bought and paid in full a car from showed me as having a balance. I called the dealership and they blamed TransUnion. I then submitted a dispute on the   XXXX   XXXX   site and it showed that Transunion was to investigate ... 30 days later the whole company vanished from my report but that 's not what I wanted! I simply wanted the debt to be corrected since I have the title in my possession and there was no debt. N ow my credit score dr opped  XXXX  points and I have nothing positive to show on my report. I called TransUnion but they were no help telling me there was nothing they could do. Had this been investigated correctly this never would have happened. I am trying to enhance my credit and this really hurt me!

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 2015-06-23
Company: M&T BANK CORPORATION
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts. 

This is rediculous please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: ENCORE CAPITAL 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: Information belongs to someone else

Complaint:
Midland funding on XXXX  credit report is a fraud report ... it was deleted by XXXX   for that reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a family plan for mobile phones and services with XXXX in XXXX. In XXXX I made a complaint with XXXX because from the beginning it had been charging me {$30.00} every month. XXXX did not solve the problem for me. I am aware of the complaint with XXXX XXXX for the return of the amount it owed me, which was approximately {$700.00}. XXXX  XXXX decided in my favor and of the payments that I had made every month, it returned about {$700.00}. Now the collections company XXXX Resource Management with the telephone number ( XXXX ) XXXX They call me threatening saying that he is a lawyer. They also sent an account for {$1700.00} to the credit company XXXX, XXXX, and XXXX. At XXXX  it appears with the account number XXXX XXXX XXXX XXXX XXXX, Mi XXXX Phone XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via XXXX XXXX XXXX XXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. XXXX is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, XXXX failed to fully disclose the consumer transaction. 

This is an advisory of XXXX 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: LEXISNEXIS
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: Information is incorrect

Complaint:
Its is show that I have two liens which I don't. I have attached my certificate of release of federal tax lien

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I do not wish to file a complaint, but I had a question on the reporting/deletion process. there was no other way for me to submit my question online. 

I am currently working with a consumer advocate at Navient trying to get an old paid/settled loan deleted from my credit report. this loan was paid off in a settlement back in 2015. in the past, Navient has deleted old account, that have been closed/transferred for more than 24 months. I submitted a request to have a " goodwill '' deletion of my old paid off account as it was holding up the process of me buying a house. my consumer advocate stated that the Fair credit reporting act prohibits them from deleting the account at their discretion. I was advised to dispute the account with the reporting agencies in hopes of them deleting it. I forwarded them a letter they had sent to someone else granting them the deletion of an old closed account that was transferred to another lender after 24 months of being closed. I questioned the difference between a transferred and a paid account, at which they could not provide me with an answer. either way, the account is satisfied with Navient, and the same at least 24 months had passed. Why could the account not be deleted? The only answer I got was the FCRA forbids them from deleting this. I found this hard to believe. I asked them to mention what section forbids them from doing so. they can not provide the answer, they advised they will have their legal team look into it. I have had success from other banks and lenders on deleting accounts at their discretion. do you know of any parts of the FCRA that prohibits Navient from making the judgement to delete an old, paid off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND. A REFUNDED CAN NOT BE RETURNED TO THE ACCOUNT BECAUSE THAT ACCOUNT HAS BEEN CLOSED AS A RESULT OF THIS MATTER. ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND THIS ALSO CAN NOT BE RETURNED TO MY NOW CLOSED CHECKING ACCOUNT AND WU HAS BEEN TOLD THIS OVER AND OVER. I RECIEVE NEW LIES FROM THEM DAILY ABOUT WHERE MY MONEY IS AND THE REFUSE TO FOLLOW THROUGH WITH THE TRANSFER OR HAVE MY FUNDS READY AT A LOCATION FOR PU IN CASH. I AM BEING EVICTED FROM MY HOME AS A RESULT, MY XXXX HEALTH AS WELL AS XXXX HEALTH HAS BEEN DRAMATICALLY EFFECTED ( I AM XXXX ) THERE SEEMS TO BE NO END IN SIGHT AND I AM NOW ON THE STREETS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery, address of shipment and the date purchase was made for debt how can they expect me to complete their forms to investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Exeter Finance Corp.
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 have a loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and EXETER FIN with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up for Experians credit building services, 2 months ago, through chime, it was recommended app, through their recommendations my credit has been severely affected through hard inquiries and very inaccurate reporting. I really want to sue, however XXXX XXXX, I don't have the means to do so. The services are XXXX monthly, it's almost as they trying to purposely wreck my credit.

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 2022-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXXwithin the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. 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 2017-05-23
Company: HYUNDAI CAPITAL AMERICA
State: NC
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:
XXXX  and  XXXX  are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed  2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This agency is reporting inaccurate information to my credit report for trade line XXXX XXXX / XXXX XXXX ; invalid account number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: LendUp Loans LLC
State: NJ
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX I sent a letter to XXXX XXXX stating I called XXXX XXXX thru XXXX XXXX requesting my account be cancelled. I was n't able to cancel service myself with XXXX, due to their policy. I was able to cancel my service by turning off my XXXX and putting it another name, XXXX allowed this only because of my complaint. I requested a refund for the months mentioned for the difference between XXXX 's rates and XXXX rates. I also stated I wanted the following amounts paid to XXXX by XXXX:XXXX accounts reported on XX/XX/XXXXOpenAccount # 1 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXOpenAccount # 2 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXAccount # 3 $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXI contacted the creditor back in XXXX, XXXX sending in all documentation showing I have been disputing this issue. I received no response, I only know that this issue is not being resolved because this is now on my credit report, was put on credit report XXXX XXXX, XXXX and XXXX XXXX, XXXX. I made it very clear to XXXX via phone and correspondence I attempted to cancel my account for five months because it was very obvious I was being overcharged XXXX XXXX I submitted a complaint to XXXX XXXX XXXX 's ofice, XXXX XXXX XXXX XXXX .I filed a complaint with the NYS Public Service Commission XXXX XXXX, XXXX. I am refusing to take financial responsibility for a company that would not cancel my service and overcharged me for over five months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The Equifax data breach onXX/XX/2017 has compromised my personal information. 

Per Equifax site regarding data breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation