BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-06
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I took out a loan against my car title in the amount of {$800.00} with my local Titlemax because I am on XXXX XXXX XXXX and had some outstanding medical bills that needed to be paid. Well, I struggled and paid the minimum payment due each month ; once having to take out an additional loan amount in order to make the payment. About 8 months into the loan the car broke down and I had it towed a local mechanic. After a thorough inspection it was discovered the engine was blown. I incurred and paid a {$400.00} repair bill just to find out the repair was gon na cost about {$2000.00} dollars. Knowing I did n't have nor want to put that kind of money in that car, I immediately called Titlemax to inform them that they could just go pick up the car because I would no longer being paying on the title loan. At that point I had probably paid back close to the originall amount borrowed. Weeks later I get a call from the mechanic that no one ever came out to pick up the car and that I now owes him a grand in storage fees. He said I could sign the title over to him in lieu of the fees. Once again I contacted Titlemax and was given the number for their corporate office and was told to contact their office. After explaining the situation to the person at corporate I was told they did n't want the car but they could give me a reduced payoff amount and that once it was paid they would release the title and I could forward it to the shop. Since I had already paid the majority of the principal back I assumed they would drop the remaining interest and just charge me the remainder of the principal. I just about had XXXX XXXX when she said they would take a one-time payment in amount of XXXX dollars!!! I told her I was n't gon na pay that much and they could go pick the car up from the shop like I asked them to do in the first place. I had n't heard anything in month then I receive a letter in the mail asking for a payment. What legal actions if any should I take at this point to get them to write off the remainder of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX, 2015 credit report indicated XXXX medical collections, XXXX for {$1700.00} and XXXX for {$410.00}. XXXX XXXX credit report shows a removal of the {$410.00} collection and the addition of a {$770.00} collection placed by the same company as the original {$410.00} collection. No changes in XXXX XXXX report. XXXX XXXX report shows the addition of XXXX new medical collections each for {$410.00} from a new collection company. The XXXX new collections appear identical. My concern is why there has been any changes to the collection record since the XXXX XXXX, 2015 credit report. At minimum XXXX of the {$410.00} collections is a duplicate and the {$770.00} collection should not exist. The only collection whose validity is undisputed is the {$1700.00}. I am unaware why the others are there and trans union is the only reporting agency that shows any collections besides the {$1700.00}. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with transunion.

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 2019-12-06
Company: EQUIFAX, INC.
State: CT
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 continues to put the collection account in my report which has been removed on several occasions this company keeps reinfecting this account that I do not have a balance on. This company is assuming a balance and trying to get money from me Equifax is aware of this they took it out before and now it is back.This company has not account with me or sale or loan or anything I want it removed. 

In addition I ask for a reinvestigation on the XXXX  account the XXXX account and the XXXX  account this one should be removed I do not owe the balance I ask that they be removed. Equifax has never shown me any investigation on these company they should be removed. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: ALLY FINANCIAL INC.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Almost two weeks ago, Ally 's fraud prevention contractor called me about a potentially fraudulent purchase. I confirmed that the transaction was unauthorized, and then called Ally 's customer service to order a new card. Both times, I confirmed whether recent transactions were fraudulent or legitimate. Ally told me that the fraudulent charge would not post. 

However, a few days later, the charge indeed posted, so I sent a message to Ally reminding them about our earlier exchange. After initially refusing to discuss the transaction over " secure messaging '', Ally claimed that the charge in question was an entirely different transaction, even though it was from the same merchant, on the same date, and for the same amount. Even though I thought we had resolved the fraud earlier, Ally insisted that I fax ( yes, fax ) some forms to them. After I replied that I had no easy access to a fax machine in 2015, Ally reluctantly agreed that I could instead email the forms " as a last resort. '' They confirmed my email address, and later said that somebody from their " executive response team '' would contact me. 

A week and a half after the fraudulent transaction, I received the mailed forms, but apparently they forgot about the electronic copies that they said they would send me. I 've also yet to receive the promised call. It seems they 've lost interest in my case, though at least I 've finally received my replacement debit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed from my file. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and deleted immediately. 
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 XXXXXXXX XX/XX/2021

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 2020-11-27
Company: Experian Information Solutions 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:
Experian is allowing XXXX XXXX XXXX to report past due balances on my credit report when the account in a Chapter XXXX. Experian is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and Experian refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter 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 2018-07-23
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at XXXX XXXX a voice mail was left on my jobs VM. The caller says her name was Mrs. XXXX with the XXXX XXXX represent XXXX XXXX saying that she was looking to obtain a statement against me and my SSN. I called her back twice to she what this was about ..there was no answer she then called me on the XX/XX/XXXX and told me that she was hired to collect on a PayDay loan with XXXX XXXX XXXX back in 2015, I told her that I hired a company to settle that debt .. She then start telling me that she been doing this a long and that I'm lying like everyone else she's talked to and that if I don't produce a receipt showing a XXXX balance then they would take me to court and garnish my check ..I told her I would look through my E-mails and see if I could find anything she told me I had by the XX/XX/XXXX at XXXX XXXX because she have reached out several times and sent letter that I didn't respond to and I told her this is the first I heard of this and asked her not to raise her voice at me because I wasn't raising my voice at her and If they wanted to take me to court I'll explain to the the Judge the same thing I told her ..she told the Judge would care and that I end up paying more money in court cost and I should ask a family member to borrow the money because if I wanted to take care of this I would have been done already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-06
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase Bank failed to deliver a bill payment check timely to the payee, XXXX XXXX. This resulted in a late payment on a personal loan. Their payment ( as it was sent from their checking account ) was returned undeliverable, and they have not provided sufficient explanation as to why that occurred. I believe they mailed the check to the incorrect address. They believe that I did something wrong. 

Please refer to the uploaded document, Binder2.PDF, which includes a letter, Chase Bank Complaint # 2 , along with its supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CAINE & WEINER COMPANY, 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 XXXX is the collection company reporting it and they would not resolve the matter, they just got aggressive and threatened lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Funding LLC claims I owe a debt in the amount of {$950.00} to Midland Funding LLC via XXXX XXXX And XXXX. 

Upon research of Midland Funding LLC, it appears the company IS NOT authorized to collect money or debts in the state of Georgia where I reside. This is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692. 

There was a legal claim against me. I dont know who this company is. Also, 80 % of the submitted documentation has been blacked out. It shows purchasing of multiple accounts from Midland Funding with my information simply added into a different, attached document ; not otherwise related to one another. Also within their Exhibit 4, there is no signature or other proven agreement stating ANY of these are in fact, my accounts with XXXX XXXX, XXXX, XXXX or Midland funding LLC. Additionally, I HAVE NOT BEEN PROVIDED proof that there is ANY agreement between myself and Midland Funding LLC. This is a CLEAR violation of The Consumer Protection Act and the FDCPA. 

The actions from Midland Funding to collect said debt via civil suit, letter, and calls are harassing, aggressive, deceitful, and continuously causing undue stress and constant paranoia every time my phone rings with an unfamiliar number or a stranger comes to my place of residence. Further correspondence from Midland Funding LLC will result in me taking legal action against Midland Funding LLC for violation of the Fair Debt Collection Practices Act, the Servicemembers Civil Relief Act ( SCRA ) ( family member ) and will seek all available damages and remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is in connection with # XXXX-XXXX. I'm sorry I didn't respond within the 60 days but the issue hadn't been satisfied and really still isn't. I've attached a copy of the correspondence mailed to Capital One today, requesting my account be closed. I never received copies of the last two statements. I don't intend for you to pursue this farther, I just wanted it on records that they didn't satisfy my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: GUARANTEED RATE INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I was notified by my county that our county tax bill was many months past due and a lien was about to be place on our property. I immediately paid the XXXX tax bill plus a late fee out of pocket even though our taxes are escrowed in our mortgage loan. I quickly called Guaranteed Rate and provided them with a receipt of my payment for a refund, but they have failed to provide a refund in the following 6 weeks. A case has been escalated multiple times to their Tax resolution department, but has been closed twice now with the company finding that they do not owe us a refund because the details are being improperly communicated internally. XXXX continues to " escalate '' the case and promise to call back with a resolution, but we have never heard from them and have spent countless hours on the phone trying to resolve the issue. I am unable to speak directly with anyone the case is being escalated to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This is a follow-up to the previous complaint against Transunion but, under employer information it is blank and I also wanted to know if on my public record I could put that I was laid-off twice for my job history.

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 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Trans Union has still knows all my credit report that is supposed to be off XXXX sent them a letterAnd they still are showing on my credit report

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 2021-04-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
BB & T took money out of what I got from the last stimulus ; I figured this was to pay back where I was over drafted so I figured ; fine. 
But now like a month later Im over drafted XXXX $ that they already took out!

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 2017-10-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I WAS NOT AWARE OF ALL THESE CHARGES THAT WELLS FARGO CHARGED ME I AM TALKING ABOUT 10 CAR LOANS WITH THEM DATING BACK TO 2012. IF YOU PULL UP MY CREDIT REPORTS YOU WILL SEE THE LOANS ALL PAID COMPLETELY. I WAS NOT AWARE OF THE FRAUD THEY CREATED AS WELL. I PAID A LOT OF MONEY ON ALL THOSE CAR LOANS. I PULL XXXX AND XXXX AND ON EACH THERE ARE 10 CAR LOANS PAID IN FULL AND CLOSED. 
I HAVE ATTACHED THE CREDIT REPORTS. AS WELL.

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 2020-04-11
Company: EQUIFAX, 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:
thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks

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