BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiry To Whom It May Concern.

This letter is a follow up to my original letter regarding a inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies. XXXXXXXX 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 XXXX XXXX XXXX XXXX  XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: DISCOVER BANK
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I opened a Discover card offering no interest for 18 months on balance transfers. I initiated a balance transfer from XXXX XXXX of {$3500.00} to the new Discover card in XX/XX/XXXX and it took effect on my Discover card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not done and taken off my XXXX XXXX XXXX ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. XXXX XXXX did suspend the amount temporarily and states they never received the payoff from Discover. Discover has not provided the payment transmission form proving they paid XXXX XXXX and is stalling to send information. Apparently, Discover card is giving me a run around because we are not getting anywhere as it is over 6months of contacting Discover company. Please step in to help get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
XXXX, XXXX Equifax and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A certified letter ( XXXX ) was sent to GM Financial/General Motors Financial Company/General Motors , LLC/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to demand for validation of debt Pursuant to 15 U.S.C. 1692g. I requested documentary evidence to ensure I am obligated to pay this alleged debt.

Pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I invoked specified remedy and demanded the following : A copy of the contracting binding both parties consumer and GM Financial in a letter by certified mail so that there is an independent witness to it having be delivered Verification of GM Financial claim against consumer that will be a signed invoiced Validation of the alleged debt and that will be the actual accounting as it relates to o Book of account ( GAAP ) related to consumer credit transaction and the account which will include the ledger of both sides. 
o Financial and corporate records that would substantiate this allege claim of {$13000.00}. 
o Any other lawful or verifiable proof of claim money for loan originated from GM Financial XXXX bank account or stock Any XXXX filing and or statement including any addendums Consumer received a formal notification that GM Financial was in contact of their reference to account XXXX. From the requested information above, GM Financial stated this account may have been fraudulently established as a result of identity theft. I was seeking to validate debt. Pursuant to USC 1692g I asked the office to provide proper document as requested. GM Financial was advised to cease and desist all collection and communication activity unless you notify me this debt has been zeroed out and reported paid as agreed to all credit reporting agencies and the company is no longer collecting on the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card was paid off and I requested for a pay to delete and the company still has it on my credit report as closed instead of deleted.

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 2022-09-28
Company: Resolve Partners, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 I sent a email and USPS certified letter to RESOLVE Partners in regards of the inaccurate information being furnished with their organization. I informed RESOLVE Partners in this email and USPS certified letter of each inaccurate account and how it was in-fact inaccurate. I received confirmation from RESOLVE Partners employee that my email and correspondence had been successfully received. After confirmation of the receipt of my correspondence from RESOLVE Partners, I discovered that RESOLVE Partners is still furnishing and distributing the inaccurate information that was verified as inaccurate on my consumer profile. I informed RESOLVE Partners again through email on XX/XX/2022, that the inaccurate information is still be furnished, and I have not received an response back. RESOLVE Partners is now in violation of 15 USC 1681sXXXX ( B ) : Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2022-09-28
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter with 2 collection agency names on it. " XXXX XXXX XXXX XXXX " and " CROWN ASSET MANAGEMENT , LLC '' showing a debt that I do not owe from " XXXX BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/22 citi bank had a fraudulent inquiry placed on my XXXX credit report. I noticed them the same day this was pulled and they were to remove it- it has been over 60 days and it is still been deleted from credit report- XXXX says XXXX the responsibility of citi bank- Citi bank does nothing about I have disputed this several times

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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/22 Balance Transfer payment sent to Capital One XXXX XXXX in the amount of XXXX from XXXX Bank ( proof of payment attached ). 
XXXX XXXX XXXX bought XXXX XXXX XXXX. I inadvertently sent payment to Capital One rather than XXXX XXXX. 

Contacted XXXX XXXX several times and they would not even discuss with me instead saying Capital One had the money and I would need to resolve with them. I asked to escalate at least 12 times and would not get anyone at XXXX XXXX to assist. 
Contacted Capital One at least 12 times with zero help and them giving me XXXX XXXX customer service number. NO SERVICE, NO ASSISTANCE FROM EITHER COMPANY AND XXXX HAD BEEN CASHED XX/XX/22 Called Capital One and asked for fraud department. After 2 hours of being told by XXXX from Capital One that there was nothing she could do she suggested I send proof of payment to Capital One Payment XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. 
I sent by certified mail a copy of proof of payment, XX/XX/22 it was received by Capital One XX/XX/22. I have had no acknowledgment of investigation. Contacted Capital One and the sent me over to XXXX XXXX again. There is no number to reach Capital One XXXX XXXX department. 
Someone has XXXX of mine and not one company will provide any assistance My accounts Capital One GM MasterCard ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Also as a side note I have sent a XXXX balance transfer in the amount of XXXX to Capital One ( which was XXXX XXXX XXXX in error. The XXXX XXXX  customer service representative XXXX resolved within a week. During that time I received statement for Mastercard ending in XXXX and sent what showed as the balance of XXXX. 

I can't afford to lose XXXX for nothing and no one will help me. 

Thank you, XXXX XXXX XXXX XXXX XXXX Was just on with Capital One while filing this for 46 minutes without anyone picking up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: WESTERN UNION COMPANY, THE
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2022 at about XXXX XXXX. my kids dad sent money through western union for a XXXX gift for our son. The location I went to which is the only one in town. Their machine was unresponsive and I waited for almost 40 min to an hr. It still did not reboot. My child 's father canceled the transaction and was told they don't refund in store. It is almost night time and no one can tell him where or why his funds are lost. No resolve was even attempted on the company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A company by the name of XXXX XXXX ( XXXX XXXX XXXX FL ) knocked on our door and sold us under false pretenses a roof solar system. It turned out they were not the installer, they simply gave the contract to a company called XXXX XXXX XXXX XXXX FL ) who in turn subcontracted to a company called XXXX XXXX XXXX ( XXXX FL ). 
The loan for the XXXX XXXX was awarded to a company called Goodleap/LoanPal . 

On XX/XX/2022 The installers badly damaged and compromised our roof and took apart our electrical system. The solar system was abandoned in our garage due to the damage caused. We later found out that to this day the company has never had an issued permit to do the work. 

We made the lender Goodleap/LoanPal aware of this situation long before payments were due on the loan ( had direct conversation with XXXX XXXX XXXX yet they still insisted on taking money from our account for the loan when no permits have ever been issued, no inspections done and no system has been installed to this very day since XX/XX/XXXX. They have even threatened a lien on our home and ruining our credit. We want nothing to do with all of these companies. In our opinion they are highly predatory. We desperately need help from the authorities. And for the public to be warned and alerted about Goodleap/LoanPal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MI
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 - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Reporting company used your report improperly

Complaint:
TransUnion past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of TransUnion who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from TransUnion furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.

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 2022-12-12
Company: Resurgent Capital Services L.P.
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 no knowledge of any such debt being owed toEnter compan LVNV Funding LLC ORIGINAL CREDITOR ( XXXX XXXX  XXXX I am familiar with the XXXX XXXX XXXX 's ( XXXX ) Consumer Credit sourcebook which states the following. 
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX " A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds. '' XXXX " Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. '' XXXX If you do not stop collection activity whilst investigating my dispute, you are breaking XXXX  rules and guidance. 
Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment. 
Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt. 
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the XXXX  of your actions. 
I look forward to hearing from you. 
Yours faithfully

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I uploaded document to Experian showing proof me a d XXXX  made a agreement for a payment on XX/XX/XXXX XX/XX/XXXX n XX/XX/XXXX for the amount of XXXX reaching a XXXX dollar settlement they have updated that I'm in debt repeatedly I have gotten a major drop in my credit score from fails reporting a d unfair accusations on my credit report stolen points just messing my life up I have up loaded early today yesterday and afew weeks ago to XXXX and Experian the update result was false update the correct information and 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 non-monetary relief
Consumer complaint received 2022-08-01
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: 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 and XXXX XXXX XXXX has XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-08-01
Company: Cascade CISS Holdings, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I applied for an extension of credit, and I never benefitted from this transaction. I would just like to know what happened to my extension of credit, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XACTUS-CP on behalf of XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Certegy Holdings, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I submitted a check to XXXX in payment of a catalog order. The check was returned in XXXX with a note from Certegy indicating that the transaction could not be completed due to risk management concerns it had uncovered. The note advised that I had the right to obtain a copy of the information used by Certegy to reject my check. However, I have repeatedly tried to obtain such information, to no avail. Certegy has conditioned the disclosure of why the check was rejected upon my providing it with my driver 's license number and social security number. In numerous contacts with the company I have asked why Certegy requires disclosure of PII not available to it at the time the check was rejected. I have provided Certegy with the amount of the check, the date it was written, the payor, the payee, the check number, and the bank the check was written on. Again, the rejected check accompained a mail order purchase. At the time of the aborted transaction Certegy did not have access to my driver 's license number or my social security number. Why then does it now require such PII to explain why it interfered with my transaction with XXXX?

Company response to consumer: Closed with explanation