BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I informed One Main Financial Branch Manager XXXX XXXX that I was filing for charter XXXX bk and obtained the services of XXXX XXXX XXXX XXXX.   Instead of coding account as bankruptcy. XXXX XXXX aided me into signing a loan modification agreement that was communicated to me deferring the payments until XX/XX/XXXX and my credit report will be okay until that time. After signing agreement which clearly has a due date of XX/XX/XXXX. I was tricked into thinking deferred payment however XXXX XXXX didn't tell me I would be negative affected credit reporting for XX/XX/XXXX and XXXX.. Poor collection practices. I have a copy of loan modified agreement for review also. In addition this company failed to report accurate credit reporting for XX/XX/XXXX despite be making a payment for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Midwest Fidelity Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called XXXX times in less than XXXX minutes. This happens several times a day. I have not received any mail from this company in regards to an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was still found in my Credit reports. The Equifax Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been laid-off for eight-month and I'm really struggling financially. My wife has an issue with PayPal. PayPal decided to hold -off her money for 180 days without any reason or notifications. Her friends advised her to take this issue to a Congressman in order to solve it. My family really needs this money, the money amount not that great but due to my situation still means a lot to us. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: AR
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid off a XXXX XXXX finance by XXXX XXXX, the vehicle was paid off XX/XX/XXXX, however I receive a late payment on my credit report XX/XX/XXXX in the amount of XXXX, I contact the finance company by phone and email and spoke with XXXX XXXX, she advised me to dispute the information back in XXXX so I contact Experian to dispute the information I speak with a representative and explain to them what happened and what I was told by XXXX XXXX which was Experian has access to their customer accounts and they pulled the wrong information XXXX didn't report it, which I feel should be illegal Experian shouldn't be able to just go in and look into consumer accounts I sign documents stating I didn't want my information shared, I agree to have XXXX  to report but not having my information open and readily available for a XXXX party to review when ever they want. After speaking. with Experian and they representative telling me they didn't just go into the system and pull the information it was reported by the finance company, I advised the representative that I need to dispute this information it need to be corrected this XXXX payment caused my score to drop XXXX points not XXXX but XXXX points. This was all in XXXX nothing happen, I email XXXX XXXX and asked if should could update my report showing the vehicle paid off she practically told me that I didn't do what she told me to that's why it hasn't been corrected, I tried to tell this XXXX lady that I did and have contacted them XXXX times, she kept saying that I needed to go to the website and dispute it that I can't dispute over the phone, I'm guessing that's the only way she knows how to dispute items, I said I had to call them I couldn't do it over the web she became very rude even threatening she stated I was calling her a liar because I disagreed with what she said and proceeds to tell me to come up there and say it in her face, this is an XXXX woman by the sound of her voice, so I'm appalled that she's so unprofessional and now its XXXX and I'm still showing a past due payment and a balance over {$18000.00} dollars and this is after I've purchased another vehicle in the amount of XXXX I only purchased again because of XXXX and the XXXX team they are some very good people. XXXX XXXX needs a class in customer service I have attached all emails between her and myself as well as myself and XXXX regarding putting the balance after the XXXX of the vehicle on the end of the new vehicle which was 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 2021-03-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2022-04-11
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: First Data Corporation
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I used to have a a Merchant credit card services through them, but the contract has been expired and I call them and I get a return address from them and I mailed the product back to them. Last month I check my account and they still taking money from my account and I told them to stop and i call XXXX XXXX bank and I ask them to step in. I never receive any feedback from them. 
this is the Merchant ID : XXXX and this is the lease number : XXXX and this is the USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I got the return address from them and I took it and stick it in the return box. I call them and explain to them and they try to tell me the merchant went to a wrong place. i ' m getting sick and tired of this game I need help because they are not happy with me because ii report the wrong doing they have been done to people in this country. I is a rigged system and I ask for help and I deserve to be protected. it is wrong and wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was on Medicare at one time and this medical bill was paid through medicare. I had to pay the XXXX {$170.00} out of pocket deductible which I did. Now I have XXXX medical bills that are in collection. Medicare confirmed they paid these bills in full. The other question is how can an attorney sue me for medical bills for XXXX different doctors? Is n't that double dipping? I do not owe these XXXX medical bills and want them removed out of collection on my credit reports as it is causing my credit to be affected negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I put a stop payment to assistant living care home since I felt all was payed as I gave notice I was leaving because I was mistreated there of XXXX XXXX XXXX the assistant facility hired a outside firm to remove {$3900.00} out of my checking account which included {$1300.00} of my social security money I filed. Dispute with the bank and the bank gave me back the money but if I was in the wrong the bank wanted the money back there for now I am negative of {$3900.00} in the account with over draft fees please please help me XXXX XXXX XXXX. XXXX XXXX call me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a letter to validate this debt once in XX/XX/XXXX and again in XX/XX/XXXX. I asked Portofolio Recovery Associates to send an agreement with your client that authorizes you to collect on this alleged debt. An agreement that bears signature of the alleged debtor wherein he/she promises to pay the creditor, and a complete payment history on this account to prove that the debt amount you wish to collect is correct. Portofolio Recovery Associates,  did not provide any of the information I asked for to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Management LP that I owe a creditor XXXX XXXX ( XXXX ). 
But I believe that I do not owe money. 
The letter from XX/XX/21 Amount : {$59.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello and thank you. 
I made extra payments on my student loans for 2019. I called numerous times to have the excess payments applied to principle. I received my annual 1098-E to submit with my taxes and was told I paid {$12000.00} in interest last year. I emailed them more than once to correct the errors. I've called almost daily during my lunch breaks and have held for over 45 minutes without anybody ever picking up. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase of a wig from XXXX with my edd card on XX/XX/2020 which I did not receive until mid XXXX. Due to the holidays & covid and the time it was taking to receive mail especially at a XXXX XXXX XXXX did not actually receive it until sometime after XXXX But on XX/XX/XXXX I had respond back to XXXX that I had received the wig but was not satisfied with purchase & wanted to return it. Got several responses back from XXXX telling me not to send back was advised not return because postage is high & risk is unpredictable. Was told to take wig & have it styled & i said with covid could not be done nor did i want to put any more expense into something i was not at all satisfied with. On XX/XX/XXXX they said they would refund me 13 % & that i could keep the wig or sell it. The wig it cost me {$66.00} & any refund less than that amount was not acceptable to me especially after going on their website & reading their refund/return policy says nothing about a percentage of refund. Told them that they were fraudently trying to keep more money than they should be. So I went back and forth with them and the last amount they offered was {$25.00} dollars & to return wig but at this point it does sound like shipping back is unpredictable because they even state this in their website. These companies & their practices are just outrageous have not encountered such practices until now & beside this company Bank of America does not dispute any transaction for the customer they only deal with fraud and they don't even deal with the fraud well as all of world has been able to see. What bank does not back up any transaction made with a card they belongs to them that should be illegal in itself especially when it is a goverment agency they are handling it for.

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 2015-12-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have sent equafax a request to investigate a few inquiries on my credit report multiple times. They do not seem to do a proper investigation. I have tried multiple times to resolve this issue but they keep sending me the same response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: IA
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:
My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, My name is XXXX XXXX. I was first made aware of XXXX debt when I was in the process of refinancing I. XXXX of XXXX I sent a 623 letter to all 3 credit bureaus requesting proof of debt. I never received any information. On XX/XX/2022 the collection charges was added back on my credit for the amount of {XXXX} by XXXX XXXX XXXX. This company is in violation and I would like them to be removed from my credit report immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Account # has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-03-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a copy of my Equifax credit report. The credit report showed a credit inquiry by XXXX, XXXX, and Equifax Mortgages that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have asked that this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. I have asked so kind as to forward me documentation that they have had the unauthorized inquiry removed. 
Or if they find that I am remiss, and they did have my authorization to inquire into my credit report, then please send me proof of this. 
Equifax is refusing to investigate unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I believe that someone has used my information to apply for credit at one or more banks, including the XXXX hard inquiry shown on my report. I did n't apply for this credit. I 've also received numerous " response '' emails and calls to applications and emails that I did n't write, to various insurance and financial service companies.

Company response to consumer: Closed with explanation