BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: DISCOVER BANK
State: MT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was looking through my most recent DiscoverCard statement and noticed a {$70.00} charge for Payment Protection. After XXXX it the first few results were " Is P.P. a scam ''. I read this was optional and tracked it back to my very first statement in XXXX. I had never signed up for it. After adding up what I have paid thus far it totals {$3800.00}. I have been charged over {$700.00} in just XX/XX/XXXX alone!! That is almost {$4000.00} I have paid for something I never asked for nor opted into. Mind you this does n't include all of the interest also accrued do to these charges. It currently sits as 46 % of my current statement total. I called DiscoverCard to ask what they could do for me and the representative said the best they could do for me was give me back the last six months of charges. I asked him distinctly and clearly three separate times " So what your saying is I have been charged almost {$4000.00} for something I never signed up for and the only thing you can do for me is refund the last 6 months? '' which his reply was yes all three times. I hung up and decided to come here to use the protections within to help solve this very expensive issue that so many other people have experienced and have been taken advantage of. Its such a problem that the FDIC & CFPB have jointly forced Discover to pay restitution to effected parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern : ON XXXX XXXX, 2016 I 've sent these dispute letters to XXXX, XXXX and Equifax a dispute letter and other valuable information containing my ID, drivers license, permanent resident card, passport, SSN, birth certificate, banking information, telephone information, all required information disputing information contained on my credit report. Now, to this present say, XXXX and XXXX removed all the negative information, Equifax has not to this present day even acknowledges they received the dispute letters and my personal information, and I DO NOT need my information just sitting there in their custody lost. I 've again mailed the exact same copies to the other addresses listed on their website on XXXX. XXXX, 2016 and I 'm receiving the same responses from Equifax , whether they received my dispute letter and information. I'am truly hoping your office can find out this information per my request, since Equifax refuses XXXX reply. I have all receipts from the post office confirming the delivery of ALL of my dispute letters. I mailed my personal information to these addresses : ( Equifax ) First dispute letter sent XXXX. XXXX, 2016 to this address : XXXX XXXX XXXX XXXX, GA XXXX and the Second dispute letter sent XXXX. XXXX, 2016 sent to this address : ( Equifax ) XXXX XXXX XXXX XXXX, GA XXXX, the only reason a second dispute letter was sent, XXXX and XXXX, 4 days later requested all the above information from me, and I still have those letters. I have NOT heard NOTHING from Equifax , and 5 days later XXXX removed ALL negative information from my credit report to include XXXX, NOTHING from Equifax! 
If Equifax is legally allowed to operate a business in such a manner, please file a complaint against this company for me, and I want to have a dispute placed against Equifax for legally, not following the FTC laws and personally not disputing the information I requested Equifax to dispute on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt has not been verified ca n't provide contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that written notice of the results of reinvestigation must be issued to me no later than XXXX business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

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 2015-10-02
Company: DISCOVER BANK
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. 
I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. 
They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. 
I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. 
Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. 
Please help me to figure out how to pay this bill and protect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-17
Company: Lazega & Johanson LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
i got a copy of my credit report and there are inquiries i do not recognize, Lazega and johanson llc on XX/XX/2020 XXXX XXXX on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-17
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX I received a refund in the amount of {$100.00} my first cash app account was hacked. I created a new one I still have the old debit card I didnt cancel the company said they they cant put my refund in the account even though it is my name and same address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I checked my credit report and I saw fraudulent on my credit I have tried fixing them with all three credit bureaus. But I was unable to fix the problem.

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 2022-07-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent capital sent debt letter XX/XX/22. I sent validation request XX/XX/22. XX/XX/22 Resurgent did not send all requested information in my valuation request. Only sent photo copies of last statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Professional Placement Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted and sent Fraud Affidavits to Professional Placement. Also, I have disputed this account with XXXX who stated that Professional Placement verified that this account belongs to me. I find that hard to believe since I was never able to get a response back from Professional Placement. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
Experian refusing to correct and report from XXXX XXXX  XXXX that is reporting that I was late paying my payment on a credit card 5 times. This is not correct. I have disputed this and they never reviewed this correctly. I want this removed due to it being paid, closed, and old acct.

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 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I dont know what happened.

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 2016-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I WAS A VICTIM OF IDENTITY THEFT OVER A YEAR AGO. ALL CREDIT BUREAUS ADDED A FRAUD ALERT TO MY ACCOUNT. I DID NOT ASK THE CREDIT BUREAUS XXXX, XXXX OR EQUIFAX TO ADD A FRAUD ALERT BUT BECAUSE OF THIS COMPALINT IN REF TO XXXX IT WAS ADDED. PLEASE CONTACT ALL CREDIT BUREUS AND REQUEST THAT THIS ERONEOUS ALERT BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen and a XXXX service was provided for an address in which I never lived. This service was n't paid for so I was left with a debt of {$1000.00}. I only came to find out about this debt after it was posted on my credit report as a collection. Disputed the charge but to no avail. I can provide any information needed to help solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Related case XXXX have forwarded a letter from XXXX XXXX XXXX XXXX confirming that they have closed their file on this trade line and have sent it equifax via certified mail. 

I have not seen this item removed or gotten any form of proper notice of investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Massachusetts Educational Financing Authority
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I submitted a payment to XXXX to finish my student loan completely. XXXX claimed to have processed that payment, but they did not. 

I received an email from XXXX on XXXX stating that XXXX Dear XXXX XXXX, XXXX We 're sending this email to let you know that today we processed your student XXXX loan payment ( s ) of {$9500.00}. If you would like to view the details of your XXXX payment history, please log in to your account. 

Yet, when I look at my bank account history and also at payment history in my XXXX account, there is no record of the payment made. 

XXXX continues to have me enrolled in automatic monthly payments at a reduced rate and continues to collect interest from me, despite its claims that it processed my payment. 

Furthermore, I received NO notification that the payment was not actually processed, so I was led to believe by XXXX that my contract with them was complete. Had I not followed up on my own, I would not have found out I still owe the company. 

Thank you for your attention and help in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Ally Financial XXXX number 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. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2016-08-11
Company: SRA Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently consolidated my student loans with another bank/loan servicer. The loans after a lot of time in between were finially listed as paid in full. However there is a credit attached to my previous account. That credit has been on my account for well over 30 days and I believe American Education Services is purposely holding onto my credit as a way of punishment for leaving their company and add extra unnecessary interest charges to my new loan. I believe their response time to refunding this credit to me or my new lender is completely unethical and want this credited to me or my new loan ASAP

Company response to consumer: Closed with monetary relief