BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX  acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Pinnacle Credit Services, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with   XXXX   and TransUnion are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.

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 2015-11-27
Company: Progressive Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Sun trust bank put a one week hold on a deposit I made on XXXX XXXX, 2016. I have document proof that each of the XXXX checks that made up the deposit were cashed at the respective banks on XXXX XXXX, 2016. Talked with a supervisor on XXXX XXXX, 2016 and was told they would release the money on the next day. They did not and they refuse to explain why the hold is still in place. Statement says the hold will release on XX/XX/2016. This is wrong!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: CA
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 was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Neighborhood Assistance Corporation of America ("NACA")
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, after receiving a preapproval letter and qualifying for a mortgage purchase back in XX/XX/XXXX, we were advised by our local NACA office that they were declining to allow us to put a contract on a house due to maternity leave despite the fact that we are no longer on maternity leave and have returned to work and despite the fact that when we were off for maternity leave we utilized banked leave time and our pay never changed. 

After a chain of phone calls and emails over the past couple of days, we were again advised, this time in writing that, as a broker, they are exempt from the fair housing act portion that states denial solely due to maternity leave status is a violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RMC is reporting a fraudulent bill that does not belong to me to XXXX. The item is a bill that is reporting from RMC and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about RMC and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said RMC and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: STERLING JEWELERS, INC.
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
Thank you for taking the time to read this letter. 
I 'm writing because I noticed that my most recent credit report contains late payment reported on 30 DAYS XX/XX/XXXX, for my KAY JEWELERS CARD # .XXXX.I have contacted customer service on XX/XX/XXXX to remove that reporting from all XXXX major credit reporting agency due to the error but Sterling Jewelers Inc- Division : Kay Jewelers Customer Care refused to remove the reporting. ( Assigned request id XXXX for that communication ). During that communication I have informed Sterling Jewelers Inc- Division : Kay Jewelers Customer Care Department the following : when I made a purchase on XX/XX/XXXX, I was told by the sales person no payments or interest for 6 months. In XX/XX/XXXX I started receiving phone calls from the bank Sterling Jewelers Inc- Division : Kay Jewelers. They were asking about the payments. Soon after that I made a trip back to the KEY JEWELERS STORE in XXXX MI. To my recollection the store manager was on vacation and I was told that I have to wait for the store manager to get back to work. Once the store manager returned to work I made another trip to the store. Manager stated that they have not had that promotion and she is not sure why the sales person informed me about it. Manager attempted to convince me that it was a misunderstanding between me and the sales person. Immediately after that I made a payment and I was current and on time with all payments and paid off entire loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: ID Analytics, 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 want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Innovis
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 want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a charge on my Macy 's card back in XX/XX/2020 in the amount of {$100.00} as part of an incentive. I never carry a balance on my cards and had not used my card in some time. I immediately paid the balance of {$100.00} XXXX weeks after making the purchase and prior to getting my statement from Macy 's. I paid via XXXX Account and verified that the check had cleared my account. Macy 's never applied the payment to my account referenced above. Once I received my statement showing balance still owed I discovered that the amount was not applied to my account because check was sent to a different Macy 's address. Once I figured that out, I authorized XXXX to pay the amount again and they deducted it a second time from my account. 
Macy 's has now been paid twice, they hit me with late charges through this process and because of that they sent it to collections and charged me further fees associated with the collections.

I never received any information from any collection agency proving proof I did not make the payment as they did not have access to the payment history within Macy 's. I NEVER received any type of Dunning Letter stating that they were going to send me to collections. I only discovered it when I went to take an auto loan out and my score had dropped from High 700 's to Mid 600 's. 
Because Macy 's is unwilling to work with me ( directing me to work with the collection company ), and the collection company refused to remove the collection from my account because they said only Macy 's can do that. I am stuck in the middle with my credit damaged for a {$100.00} charge I paid prior to the due date.

I am demanding this collection be removed from my credit report and I am now filling a complaint with the CFPB against the collection company, Macy 's, and the credit bureau for reporting false information, for charging me late fees and collection fees unjustly, and for the damage it has caused my credit score and my ability to obtain additional loans.

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.

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 2016-05-17
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
JARED 'S JEWELERS CLOSED MY CREDIT CARD ACCOUNT THAT HAD ALWAYS BEEN IN POSITIVE STANDING FOR OVER 3 YEARS. I NEVER RECEIVED ANY NOTIFICATION BY PHONE OR MAIL THAT MY CREDIT CARD ACCOUNT WAS GOING TO BE CLOSED. I HAVE BEEN AN OUTSTANDING CUSTOMER WITH THAT CREDIT CARD ACCOUNT. I WAS EMBARRASSED WHEN I TRIED TO GO AND MAKE A PURCHASE AND THE CARD WAS DECLINED. I FELT AS IF THE COMPANY WAS DISCRIMINATING AGAINST ME BECAUSE OF MY CREDIT RATING OR SOME OTHER FACTOR THAT MADE THEM CLOSE MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CONTRACT CALLERS INC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I discontinued my service/account with XXXX XXXX XXXX in XXXX XXXX, MO. At that time, I moved into a temporary apartment and had all of my mail forwarded. Upon reviewing my credit report in XXXX XXXX, I noticed that XXXX XXXX had entered a collection notice for {$270.00}. 

I contacted them immediately and they refuse to tell me what the balance was in XXXX XXXX when I disconnected, and they have failed to tell me what the " late fees '' associated with my account. They also can not explain why I rec 'd no phone calls, final billing notice or anything from them for over 6 years, and why all of the sudden they feel obligated to tell me I owe them X amount of $ $ . 

I 'm frustrated that a utility company can basically hold onto my personal information for almost 7 years and suddenly tell me that I owe them almost {$300.00}, and what 's even more frustrating is that I have no proof of what was owed, how much they 've charged me over the years etc ... The only response I have rec 'd from them was an email from saying they do n't contact customers via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
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:
Dear Trans Union, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).

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 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The original creditor removed the information from my credit report, because it was fraud. 

Another company put it on my report and added fees, on top of that. 

For XXXX, the account was open with identity theft and if the original creditor corrected it on their end, why is a third party, trying to collect debt that was never theirs to start with and giving people a hard time to remove it. 

They need to be held accountable also, they are thieves, fraudulent and misleading the public.

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 2022-08-17
Company: EQUIFAX, INC.
State: CA
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 updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should 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.

Company response to consumer: Closed with explanation