BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
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:
I have been disputing with all three agencies.I do not have an account with this company, XXXX XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he XXXX XXXX. I had other items that past doctors and friend who XXXX gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX with no luck.i sent a letter to each credit bureau at end XX/XX/XXXX No credit bureaus except responded.XXXX notified me a chapter XXXX Petition was put on my report by XXXX XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName XXXX XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/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 2020-04-04
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind in my payment due to ill health and I was advised to apply for a loan modification by XXXX XXXX/XXXX  XXXX who had my mortgage. Soon as I applied, the mortgage was transferred to Fay Servicing LLC. which claimed not have received my loan modification application. while this was going on, the loan became more than three months behind and they refused to take any partial payments. 

I pleaded that the Covid 19 Pandemic has further created a further strain but that I was ready to pay at least {$3000.00} down out of the balance of {$7700.00} if they would at least work with me or grant me some form of forebearance. 

I then contacted a Housing counselor who filed a fresh application on my behalf. As this was being reviewed, I received a letter dated XX/XX/2020 from Fay Servicing LLC. signed by one XXXX XXXX, stating that my application for loan modification will not stop any foreclosure proceedings against me. My Housing counselor, Mr XXXX of XXXX XXXX  XXXX  XXXX advised me that it is improper for Fay Servicing to proceed with any foreclosure proceedings while the loan modification was pending. Secondly, that I met the threshold for the loan modification application to be approved because I now have a surplus of over {$700.00} in income after deduction of all expenses. All these information were forwarded to Fay Servicing. 

It is pertinent that they are also reporting this loan this period as late to the credit bureaus at a time when other mortgage companies are giving a respite to their customers at least during this pandemic and in line with the policy of the Honorable housing secretary. 
I humbly appeal for your kind intervention in this matter regarding Fay servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX2. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase in XXXX for {$720.00}. The order says it was delivered but it was not. A claim was filed with XXXX and XXXX determined the item was not delivered to me. The claim was approved claim # XXXX. The claim was paid to the seller on XX/XX/XXXX. The seller will not return my money so I filed a claim with Santander Bank. I provided a letter from XXXX XXXX XXXX that states the the claim was investigated and the claim was paid directly to the seller. I explained this to Santander Bank but because the seller provided them with the tracking information showing it was delivered they denied my claim. I explained that is why we opened the claim with XXXX  because it does show delivered however it was not delivered to me. That is why XXXX approved the claim and paid the seller. Now the seller has the {$720.00} that I originally paid and they have the {$720.00} that XXXX paid them.

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 2022-04-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Name is XXXX XXXX a federally protected consumer and I am making this complaint against Credit Collection Serv. For committing identity theft. I have never given Credit Collection Serv. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this until Credit Collection Serv can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ccs continues its collection efforts, I will file for litigation for actual damages caused and ccs will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had dental work done at XXXX XXXX XXXX. Before leaving as mandated the bill must be paid. So, after the dental work was completed I paid my bill in full as expected. About a week ago I checked my credit report. My credit report displayed a debt collection from XXXX XXXX XXXX for {$46.00}. I learned that XXXX XXXX XXXX had charged me for {$46.00} after my visit. I had not received a phone cal or letter to my house or place of employment. Finance is not an issue for me so I visited and paid my bill. The staff did not have a response as to why I was billed and lack of notice. The problem for me is that my credit is affected for something that is not my fault. If possible to have corrected would be awesome. If not then I need to inform other clients of the business of such practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: UMB FINANCIAL CORPORATION
State: OH
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:
UMB visa debit card stopped working after XX/XX/XXXX UMB continued taking fees on non working card XX/XX/XXXX {$5.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$5.00} Moved my remaining balance to a different card but never informed me nor provided a new card. Have taken an additional {$18.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX 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 explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account doesnt belong to me, please delete it from my credit report because it is causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX 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 explanation
Consumer complaint received 2022-09-12
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To whom : it may concern I rented merchandise from XXXX. XXXX thru Acima credit and I negotiate a short-term payout last payment was due on XX/XX/2022 money was in the account in which that didn't withdraw on a due date I didn't notice of said action until after would be made it to appear that I didn't pay in which it was set for automatic payments for Acima to subtract from the account. 

Then in the month of XX/XX/2022, I reviewed my credit report and saw that Acima reported that my account was paid out and closed and they keep harassment going on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: CARCO Group, Inc.
State: FL
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:
My background check via XXXX, ordered on XX/XX/XXXX and completed on XX/XX/XXXX, for admission into medical school incorrectly states that according to " records found '' my reported dates of employment at XXXX XXXX XXXX XXXX are incorrect when, in fact, they are correct. I do not know who gave them false information, but the report states that my dates of employment were XX/XX/XXXX to XX/XX/XXXX, which are rather the dates for my teaching at a different High School in the same general region, called XXXX XXXX XXXX XXXX The correct dates of employment at XXXX XXXX were reported as and are, in fact, XX/XX/XXXX to XXXX ( or XXXX ) XXXX. There is a difference of three years. I hope this does not detrimentally affect my admission/matriculation to the medical school for which I ordered this background check. 
Please see the relevant dates contained in the documents here attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MI
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 filled a dispute with XXXX and was unable to get XXXXXXXX XXXX  # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Submitted Case number : XXXX ] on XXXX/XXXX/XXXX bank committed to fix information on credit reports. Which it was corrected on XXXX and XXXX but was not fixed in XXXX which appeared as CHARGE off which I disputed as you instructed if I saw anything incorrect and the dispute came back worse cause now it appears as Placed for collection. I have spent a lot of money on viewing my credit reports and time I subscribed to XXXX which is XXXX paying {$30.00} dollars a month to monitor this correction and has not been corrected. I even communicated directly to the bank with no resolution and my credit is affected because of this. The charge off which is incorrect was eliminated from XXXX XXXX and want it eliminated completly from XXXX. This car was brought in XXXX and we are in XXXX and it still appears in my XXXX account as well. I even have the title for the vehicle which Firstbank sent to me and this information was given to them when I first disputed and still it has not been corrected. Please verify Case number : XXXX ] where First Bank said they are committed to correct my credit reports and have not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day.

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