BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has deleted and re added an remove XXXX XXXX XXXX back on my credit report after i submitted the information for myself proven that the XXXX XXXX XXXX account has been PAID IN FULL, i sent Equifax 2 letters that states above, XXXX and XXXX has remove the above agency but Equifax removed it only to add this collection agency back on my credit report. I written Equifax about this matter and submitted the CASH CHECK and LETTER to XXXX XXXX XXXX to prove the check was cash with the information stating i wanted XXXX XXXX remove from my credit report, only for Equifax to unfair add it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On multiple occa ssions, NCB Management Services  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX, PA XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/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 2023-04-03
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Bread Financial Holdings, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I 've been usin  g PayPal for over 10 years so I decided to try giving their credit card after getting a promotion for six months no interest.
I set up auto payments thinking it would automatically pay the account off when it became due, but it did not. So, I was charged almost {$200.00} in interest fees, and although I paid off the balance when I saw what had happened just one day later, they would still not waive this interest fee.
Any other credit card company would have waived this fee, but PayPal is sticking to their dishonest business practice of not notifying you that the auto payment will not pay off the balance, and they will not waive the interest fee even though you paid the balance off immediately after becoming aware. They also DO NOT CARE how long you have been using PayPal.
Needless to say, do not sign up for their credit card, even from   a promotion. IT IS A SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX   2016  my credit was pulled   XXXX   by a rep for  XXXX   XXXX   XXXX  without my knowledge. The manager said they disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested several times that this debt be validated the information that was sent to me was not proper validation. There is no contract that I ever signed with XXXX XXXX XXXX.I was notified today that this account has been closed but in my correspondence I asked that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XXXX, I found fraudulent transactions from XXXX XXXX. I contacted the bank and the contact center filled my claim wrong. On the XXXX I spoke to the fraud department at Wells Fargo and she claimed to fix it and break it down into separate claims the way it supposed to be. She told me about the 60 day liability but she said it was only for XXXX and XXXX XXXX. The XXXX XXXX transaction just happened recently before 60 days. The other transaction were a year ago. I showed proof from XXXX XXXX statements and letter from them saying my account was compromised and het my money back from my bank. I was XXXX  and XXXX  and I tried to tell the bank and they acted like It didn't matter that I showed proof my account was hacked. The lady messed, y claim she filed it wrong and now they putting it on me. I have all the proof to show that I didn't make the transaction.

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 2023-01-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Trying to use   XXXX   XXXX   and the amount of money in my bank account does n't accurately show. I bank thought capital  one 360 ch ecking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to XXXX, XXXX and Equifax regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Attached is my original copy of my dispute with them! 
Please attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt occurred and they claim to have tried to collect while we were in bankruptcy. 
This organization never provided formal, required communications to me after the bankruptcy was discharged. They then claim they sent something, however that is not true ; further I have changed addressed and did not furnish them with a new one because they never formally or appropriately communicated. I never had the ability to know of the debt and whether they were legally entitled to collect on it, nor dispute it. They magically then put it on my credit as a collection item 4 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: TN
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 have ask for the removing of accounts that is listed as my accounts on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Abbott Osborn Jacobs PLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Abbott, Osborn and XXXX, XXXX. failed to validate $ XXXX debt in 5 days all original documents, lied to me and judge XXXX with misleading data, without permission used as plaintiffs XXXX and XXXX XXXX, XXXX. false names on legal documents ; copyright, patent and trademark infringement ; rifled mail with fake process servers trespassing, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX XXXX, XXXX. failed to validate {$200.00} debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX, XXXX. # " XXXX '' and # " XXXX '' also failed to validate $ XXXX debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THE COMPANY HAS BLOCKED MY BANK ACCOUNT. AND I CAN'T GET MY MONEY OUT, I ALREADY WENT TO THE BANK IN PERSON BUT THEY TELL ME THEY CAN'T HELP ME ALSO CALL THEY ALSO TELL ME THEY CAN'T HELP ME, THEY TELL ME EVERYTHING IS OKAY THEY DON'T UNDERSTAND WHY I HAVE BLOCKED MY ACCOUNT,

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 2020-04-22
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint arises out of billing for laboratory charges associated with a medical consultation. There are 2 issues to be dealt with, one of which is with the collection agency and one is with the provider. 

Debt collector issues The issue with the debt collector is that the statutory notifications were omitted, in violation of 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ) 1. On XX/XX/2020, I received a letter from Certified Credit and Collection, XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX , Street Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. This letter violated 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ). It failed to contain the statutory notifications as follows : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Creditor Issues At my insistence, I had a detailed discussion before any services were rendered. The discussion was with XXXX XXXX, XXXX XXXX Representative of the provider. This discussion covered co-pays, deductibles, balance billing and whether there would be any separate charges for laboratory services. I was explicitly assured that I would have no out-of-pocket liability other than the co-pay paid at the time of the services, and that this assurance included co-pays, deductibles, balance billing and any laboratory services which I was explicitly assured were " included ''. I promptly notified the provider of the history of these charges and when I received the erroneous bill, but no correction was made and collection activity continued

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I tried to fix this wish Transunion and they would not take care of the negative inquiries listed.     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 explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX, has violated my rights. 
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 2022-03-31
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:
Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry and reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the item since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the inquiry that I am disputing : Inquiries : XXXX  XXXX XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for a Used Car Loan at Navy Federal Credit Union. The loan was for {$21000.00} at an interest rate of 10.49 %. The loan was approved and I was issued a check to make the purchase. I purchased the car, a   XXXX   XXXX   XXXX  , from   XXXX   XXXX   XXXX  , for the sum of {$21000.00} and paid with the Navy Federal Check I was provided by the Bank.
<P/>
The   XXXX   XXXX   began to develop problems and I returned the vehicle to the Dealer who attempted to fix the vehicle. The problem persisted and I returned the car back to the Dealer who offered to exchange the car with another car. I accepted the offer.
<P/>
I informed Navy Federal and because of the exchange Navy Federal now wants to increase the interest rate on the transaction even though the transaction had been completed between Navy Federal and myself. Further, the exchange was by the dealer for another car.
<P/>
Navy Federal can not change the terms of a deal after the deal had been consummated between myself and the bank.
<P/>
The breakdown of the Navy Federal loan is as follows : Loan - {$21000.00} ( Check Amount ) Loan Protection Plan - {$190.00} ( Added to the check amount ) Total Shown on Contract - {$21000.00} I have made payments on the loan as I agreed to and the Bank continues to accept my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief