BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: Army and Air Force Exchange Service
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX, 2017 I submitted payment for my California XXXX reneeal tags to a company out of XXXX XXXX to expedite their service in 1-2 days. I received immediate confirmstion by email of my payment. On to two weeks passed still no tags. Im drivinf around with no current tags for over 6 weeks now. Made numerous calls, emailed the company but never could get a hold of them. I went to the XXXX office to ask what to do. They advised me to have my credit card company file a claim because just with my receipt from that company they werent able to issue me my tags because they did not receive payment from that company. 
I reached oit to XXXX XXXX. This is where the real nightmare began. They filed a claim on my behalf but stated that i didnt authorize payment. Which was untrue. They just didnt listen. So after submitting my documents to them i was denied my claim and they sided with the merchant. I asked for copies of the documents to support their decision. Never received them. After calling 3 xs a day and being disconnected 2 out of 3 times unexpectedly with over an hr wait. XXXX agreex to open another claim for services not rendered. So they say. XXXX comes around and its 3 months now im taking the risk to drive to necessary places without my current tags. I had enough saved to pay cash to XXXX for tags I had already paid in XX/XX/XXXX but never received. I submitted my receipt to XXXX showing that the merchant they sided with never paid XXXX  and kept my $ XXXX. 
I still never got a response back from XXXX XXXX.i cant afford to pay twice for tags. I continue to call XXXX who says they will be sending out documentation that they received from the merchant that services were rendered. And to check my email. Nothing. XXXX has sent nothing to me because there is no evidence. This company straight out kept my money and XXXX XXXX did not investigate lime they should have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
* 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 an 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 explanation
Consumer complaint received 2015-04-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems , Inc is attempting to collect a debt that I do not owe. Therefore TSI has no legal right to attempt to collect any money from me. TSI has not validated this debt nor sent me an initial notice of collection. There is no debt to begin with I am fully covered by health insurance and I did not give authorization of any of my medical records, account or bookkeeping to TSI. This attempt to collect money from me is in violation of the FDCPA..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Im unable to connect my account to a payment app called XXXX. Ive tried to find other ways to resolve the situation but it seems like many others have algae this problem for several months. Will this be resolved soon?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Trident Asset Management, L.L.C.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have confirmed a debt to XXXX which XXXX confirms that they received a copy of the equipment return. I contacted XXXX who provided a number that says it is not in service. I called a number I found under a XXXX Search for the company and it rings and provides no message or ability to leave a message. I would like this removed off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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 2020-08-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are 7 years old and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?

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 2016-06-13
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle the year prior to joining military service in XX/XX/2016 I called Ford Credit to request a lease termination under the Service Member Civil Relief Act. They requested I send the letter to them and I did on XX/XX/2016. 
I received notification on XX/XX/2016, via telephone, that my request has been denied. They stated that I must be on orders assigning myself outside of the continental US. 
I understood the SCRA to cover me for the lease termination upon entering military service and not just when I receive orders overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX and TransUnion are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/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 non-monetary relief
Consumer complaint received 2017-01-27
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: UMB FINANCIAL CORPORATION
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
In XXXX I opened a savings account with XXXX XXXX XXXX who has singer merged with UMB Bank at XXXX XXXX XXXX, XXXX, Kansas. According to UMB there is not record of me. I became a customer of XXXX in XX/XX/XXXX. In XX/XX/XXXX I opened a separate savings account with {$300.00}. I NEVER withdrew any money nor added additional monies to this account. I now want and need the {$300.00} plus earned interest for at the least 7years that the bank deemed it inactive. 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 explanation
Consumer complaint received 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
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:
I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.This is a fraudulent act by Portfolio Recovery and should be fined maximum amount of {$1000.00} per violation they have committed on my credit report. This acount needs to be deleted from My credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My US Bank Cash Rewards card and my XXXX credit card were compromised. The fraud investigation departments have completed the investigation and concluded that I authorized the transactions I reported as fraud. This is completely unacceptable and incorrect. Both accounts were closed at my request. Now both companies are reporting to all 3 credit bureaus that my accounts are charged off as ( bad debt ).

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