BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
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:
Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery solutions has bought and sold an XXXX XXXXXXXX credit card debt that I received after XXXX over XXXX years ago. They call several times a day and switch their numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: GA
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 have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681

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 2016-03-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
XXXX XXXX XXXX This account is not mine : My ex-husband stole my identity in XXXX and opened accounts under my name. Judgment was removed and reinserted without notification within 5 business days. I will write an affidavit if I have to. Please remove this! 
XXXX XXXX My account is on auto-pay ; I was never late State of MDXXXX XXXX Account paid in full back in XXXX - should not be a collection! 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I was never late & I did n't lose my card ; please remove the status & update the account Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX This is resulting from identity theft : I have disputed this for 5 years. I cancelled services because I moved and the people who moved into the residence obtained services under my name without my permission. I was told that I am responsible for the bill and I am not- I did not authorize it - it is identity theft and I will sue them if I have to. Creditor fails to remove this or assist.

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 2020-03-17
Company: CITIBANK, N.A.
State: CA
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:
I changed bank accounts and when I put in my new bank account the program kept taking the old bank number. When I realized it I called the bank and talk to IT person who helped me go to another program to input. In the meantime no pmt made. My new bank account had 2 account numbers with the checking account ending with a XXXX. I just put in the bank account number as the online program asked if it was checking or savings account. This was not right and check returned again. In the meantime I called the bank several times asking what to do as I could not make any changes in program. I had the money and was trying to pay. They closed my account. It was a Citibank Costco card. I appealed twice to no avail. I was due to have my cash rebate of {$500.00} sent to me the following week. They said since my account was closed I could not get the money I earned. I think this is outrageous. This was an honest mistake and part of the problem was their online banking system. Im a senior citizen and getting ready to retire and I feel like I have been robbed.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX Acount number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX 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. 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 2015-09-11
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Early Warning Services, LLC
State: NC
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, XXXX XXXX XXXX, swear under the penalty of perjury the complaint I am filing is true and correct. 
Early Warning has broken the law, specifically section 605B subsection C of the FCRA. 
I am including letters from Early Warning stating they blocked, and then rescinded the block, never by the law. Early Warning has the police report that is certified and notarized as fact that I never had access to the external accounts attached to the XXXX account they are blocking and then rescinding numerous times. 
Subsection C in 605B of the FCRA states that a XXXX can decline or rescind a block levied in subsection A in 605B of the FCRA. C states there are XXXX very specific reasons and criteria that MUST be met and stated as being met to decline or rescind a block.

1. In error 2. A material misstatement of fact 3. Proof the consumer obtained goods or services from the account requested to be blocked in subsection A.

If no proof of any of these 3 criteria happened or proved to happen, no block can be denied or rescinded.

Early Warning rescinded a block without any of these 3 reasons being met. Clearly breaking the law numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I pay a monthly payment of {$400.00} to Ally Financial. In XXXX, I adjusted my recurring payment information to my new Bank. Ally proceeded to take {$29.00} from my old bank, and the full payment of {$400.00} from my new bank, both transactions occurring on XX/XX/2020. 

Ally Financial contacted me about my overdue payment, stating I owed them {$420.00} for the month of XXXX, despite them owing me {$29.00}. 

I contacted Ally Financial and they stated that they have no way from their record keeping databases to determine how much funds they have acquired from me for XXXX. They asked that I fax my bank statements to them as proof of their error and stated fax was the only method by which I could send this proof. They were unable to tell me why my recurring payment for XXXX was initiated on XX/XX/XXXX and later cancelled. 

I am alarmed that Ally financial both pursued collection of {$420.00} when they in fact owed me funds, and could not provide further information, but rather stated that they had no idea from their systems how much money they took from me. It's clear that they have no regard for consumers ' financial well-being.

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 2015-12-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BBVA Compass bank incorrectly reassessed my escrow account basing my estimated taxes on the previous year ( which was a partial year of taxes since I had just moved into the home ). They did this same thing with my brother who has a mortgage with BBVA Compass. When this happened to my brother I went into my local branch and specifically asked them if my escrow account would be funded correctly. They reassured me that my escrow account was accurate for my taxes and insurance payment. A year later now and I received a statement showing a deficit in my escrow account and stating that my mortgage payment would increase by about {$400.00} a month. I explained to them this is unacceptable and that I do n't have an extra {$400.00} a month laying around. They basically stated that their was nothing they could do even though they were at fault for not calculating the correct amount of estimated taxes by looking at the published tax rates for the county/city.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: WLCC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a payday loan and the lender 's collection agency XXXX garnished a portion of my wages after I had already revoked wage assignment rights from the lender. I submitted the revocation letter on XXXX. 

I spoke to the original lender 's ( Green Circle ) representative ( XXXX ) XXXX - XXXX XXXX XXXX XXXX and was informed that the debt was written off as of XXXX and that they had indeed received my letter of revocation. 

XXXX XXXX is the collection agency. All i have is a phone number XXXX XXXX XXXX XXXX that no one answers. 

These were illegal and unethical practices by the collection agency and I expect a refund of the funds that were taken by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : Late Close : XXXX XXXX Balance : {$150.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; 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 2022-08-15
Company: EQUIFAX, INC.
State: FL
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 acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : states that 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Veteran 's United took information regarding my income and employment history and then proceeded to conduct a credit check knowing full-well that they would not be able to provide me a loan based upon the previously known income and employment history.

The credit check was an unnecessary step and was clearly not in my best interest considering the resulting decline in my credit score as a result of the credit check.

I felt that Veteran 's United was deciding to 'walk back ' on decisions they had made, and when I inquired about this, requesting to work with another loan officer, the pre-approval I had earlier been offered was verbally withdrawn and indeed they did 'walk back ' on decisions which were made solely on information stemming from my income and employment history.

Not only was my credit score was needlessly damaged, but my wife 's as well, not to mention all of the time, effort and attention that we had wasted in searching for properties that would meet Veteran 's United 's criteria, only to have it pulled away.

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 2020-03-17
Company: OSG Group Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So this company started calling family member 's that I am not even sure how they got their numbers. When I called them back I set up a payment which I ended not doing because I was told a different company took over this account. They called my family back after I told them NOT to. When I called them again they said it did not matter because it was a dispatch company that called who they hire to investigate for them. I asked for the dispatch company phone number and they told me they do not know who it is. Which I find a little strange. I told them if they are saying they will file a lawsuit and take me to court that they would have to know who has been looking this file and they told me that's not true. In order to reach this company and find out if they were real because they only have a phone number, there's nothing else proving they exist I had to call 5 other numbers to reach them and they just transferred me from one to the other. This morning I called trying to get an address to mail a payment to and the girl on the phone was so rude and just told me to repeat my number because she could not hear me through my SASS, yet I was only talking low because I am at work. I am to the point that if you can not respect me telling you not to call other numbers besides mine and you give me attitude everytime we talk to just not call me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: NAVY FEDERAL CREDIT UNION
State: CT
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:
Navy Federal  is reporting to  XXXX  that I 'm late In  XXXX  and   XXXX   XXXX   on a line of credit that was opened in   XXXX   XXXX     XXXX  by   XXXX   XXXX   I did not know  XXXX ,   XXXX   XXXX  , I never signed for a line of credit, I met  XXXX    XXXX   XXXX   XXXX   and much later on became a user on his account. I have called and also disputed this online and sent a fax on  XX/XX/XXXX  and they refuse to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Balance transfer

Complaint:
I was offered a promotional balance transfer rate of 0 % APR for XXXX months from Discover Card. I accepted the offer over the phone and transferred the amount of {$2800.00} to my Discover Card. At no point was it clearly communicated that all other future transactions would be charged interest from the moment of the transaction until the monthly payment was made. I believe it was Discover 's intent to deceive me. When I called to ask them to fix what I believed to be a mistake they claimed that the terms of the balance transfer I had agreed to could not be changed and they would continue to charge interest daily on all of my purchases. Even though I have been paying the full amount of new purchases plus an extra {$200.00} each month they are still charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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