BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-08
Company: TRANSWORLD SYSTEMS INC
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A year after moving ( XXXX ), I was contacted via telephone by Transworld Systems. The representative informed me that they were attempting to collect a debt in the amount of {$130.00} on behalf of XXXX XXXX, my previous energy provider. I explained that I verified with XXXX XXXX before departure that there was no outstanding balance. Further, I informed the Transworld Systems representative that I would contact XXXX XXXX directly, verify this information, and settle any remaining debt if applicable. When I called XXXX XXXX, I was informed that no debt existed and nothing had been sent to a collections agency. At this point, I disregarded the call from Transworld Systems as it appeared to be a scam call. 

In XX/XX/XXXX, I received notice of unpaid debt reported to the credit bureaus. After examination, I realized it was Transworld Systems reporting the debt of {$130.00}. I immediately disputed it as fraudulent as I had already received confirmation that it never existed. It was removed from my credit report. 

In XX/XX/XXXX, I received mail from Transworld Systems acknowledging that I reported my identity being stolen in reference to the debt. Included in the mailed documentation were an identity theft report form and a bill from XXXX XXXX. I did not complete the form as the fraudulent action is not identity theft, but Transworld Systems ' attempt to collect false debt. Further, the bill included as evidence is just a copy of a bill from XXXX, not an overdue/unpaid notice. 

Upon receiving the mailed documents from Transworld Systems, I immediately pursued written confirmation that no original debt existed. XXXX XXXX is now XXXX XXXX. I explained what was occurring and received the following response : " Thank you for contacting XXXX XXXX. We understand your concern regarding this balance and are glad to assist. We have confirmed that the amount of the final bill was covered and that there should not have been a balance to send to a collection agency. Our records indicate that you may contact them directly at the number XXXX to inform them that the payment was processed. We apologize for any inconvenience caused. '' Because I'm at the point of distrust for Transworld Systems, I contacted them through their support e-mail so that I would receive a response in writing acknowledging that no further actions would be taken. It has been weeks and the company has not responded. In reviewing this company, there appear to be a lot of people having the same issue with attempts to collect debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: ID
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:
Accounts XXXX XXXX  XXXX, XXXX  XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order XX/XX/30 with a merchant. Merchant asked me to send Venmo for quicker delivery. Placed the order, then merchant said he would not send unless I doubled the order, wanted me to spend more money. I said no and canceled the order. Merchant refused and then sent me a fake XXXX XXXX tracking number and said he was sending the original order. I immediately told him to cancel and that I believed his site was a scam. He continued to say he would not cancel and was sending. No receipt of course and fraudulent tracking. I never received anything and XXXX XXXX  never had anything that was to be delivered to me during that time. I immediately notified Venmo who did nothing. They refused to stop the transaction even though it was pending. I disputed with my credit card company so Venmo suspended my account and did nothing to the thief. Will never use Venmo again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of XXXX points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened AGAIN on XX/XX/XXXX. It took almost 2yrs of endless calls and fighting to get it removed a second time, with me losing another XXXX points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.

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 2021-02-13
Company: Reach Financial LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX of XXXX, I signed up with XXXX XXXX XXXX I was making a payment of XXXX to consoldate my debt. As time passed, I was getting lawsuits against several of the companies that I had debt with even though I was paying more than what I had agreed to pay. In XX/XX/XXXX, I was asked about a consolidation loan by XXXX XXXX XXXX. I was transfered to what I though was a third party company XXXX XXXX. The sales person explained to me that it would take me longer to pay off my debt than the 4 years that I had agreed so it would be better to accept a consolidation loan. I agreed to the loan because I could no longer afford to pay more to XXXX XXXX XXXX. I was paying about a XXXX a month which was doubled. I was afraid to go to court as well. Liberty Lending began taking payments in XXXX of XXXX. In the meantime, I learned that they were afflicted with XXXX XXXX XXXX becuaser they had the same address in XXXX XXXX. I learned this through emails that I received from both companies. I was never told of this when agreeing to take the loans. I had paid XXXX XXXX XXXX a lot in fees and was given a loan that had a hughe interest rate. I don't feel that this should be legal. I stopped paying in XXXX of XXXX. I thnow that there are others who are having the same issue. I just want this practice to siop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 7th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$40.00}

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 non-monetary relief
Consumer complaint received 2020-01-31
Company: Green & Sons Agency, Inc.
State: UT
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:
XXXX  is reporting 4 Outsource receivables collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my XXXX credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One is violation of their responsibility to protect card holders. At issue is website I paid for that was never delivered. According to the merchant 's own information it shows that the website was never completed. A simple check of going to the URL shows the website was never completed yet for some odd reason Capital One thinks they don't have to charge back the merchant for not providing the services rendered. Capital One needs to be investigated. A review on their XXXX page shows many other customers who are being denied valid charge back cases. I will be contacting attorney for class action lawsuit and the government needs to step in and audit their charge back cases to see how many people are being harmed by Capital One 's egregious policies of denying charge backs for ridiculous reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.

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 2022-04-01
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:
I believe 3 collection accounts on my credit am inquiring about XXXX XXXX and XXXX XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

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 2022-08-12
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: Information belongs to someone else

Complaint:
I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you

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 2023-09-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 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 2023-02-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital XXXX XX/XX/22 XXXX XX/XX/22 BMO XX/XX/22 XXXX XXXX XX/XX/22

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 2022-04-01
Company: Bread Financial Holdings, Inc.
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: Account status incorrect

Complaint:
I had pay off all the 3 accounts that show on my credit report. I pay each one the exact amount that it was due and have not use the account any longer. They showing on my report. I pay them off in XXXX and spoke to them about balances showing on when actually I do not have any balances. The accounts are XXXX XXXX  Victori Secrets and XXXX. If you need exact dates as when exact dates, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2023 I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2022-04-01
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: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. XXXX XXXX XXXX reported this account with a zero balance and pay is agreed to XXXX and also sold the account to XXXX XXXX XXXX with a balance. Experian stated that my account was properly investigated but how is that this account was reported pay as agreed with a zero balance to XXXX and reported as a collection to Experian. this is grounds for removal they also violated my rights under the 15 U.S.C 1681 section 602 A. statue I have the right to privacy. 15 U.S.C 1681 section A 2 : it also stated that the consumer reporting Agency can not furnish an 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 2023-07-05
Company: Upgrade, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been trying to get paper bills on a personal line of credit, Paper statements requested every month ( Via XXXX XXXX XXXX ), for account # XXXX to no avail. I don't have access to internet all the time so I can not receive online bills all the time. I need them to send me paper bills " Each month '' so as to be able to set up payment source to send them payment each month. They refuse to do so and it is " MY RIGHT '' as an " XXXX XXXX '' to receive paper bills. I ask the Upgrade Representative to send me email to confirm ( They won't send paper bills ), she refused and said ; quote '' We don't send emails ''. NO where in the " TIL document '' or the " Loan Agreement Document '' does it say I can't receive paper bills each month. I need them in order to send them payment every month in a check. ( See attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I'm trying to report a fraud/scam of XXXX XXXX employee in XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through Zelle. I asked them if there is a link that I can pay online and they said no. They gave me their Zelle phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. 

I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal Zelle account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted XXXX, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. 

I respectfully request you investigate in this matter and eliminate this corruption practice. 

Best.

Company response to consumer: Closed with explanation