BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: Eastern Account Systems of Connecticut, Inc.
State: KS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a separate issue with the company ( wow! internet ) that sent the debt for collection, and it looks like this is what they do. They create environment impossible for customer to resolve ( paying the account by deleting the account, then force you to call into company where you are transferred multiple times, or the " system can't accept payments, then when you get to someone that can take payment the account is not in the system anymore ) then they send this bill to collections. 

This is where my story begins with Eastern Account System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. 

I was contacted by one of their representatives who initially said he worked for XXXXXXXX internet/Cable. I was excited because this was the 1st time XXXXXXXX have got me in contact with someone that could take payment after 3 months of trying to contact them and get with a representative that could accept a credit card payment. ( this account was setup with auto payment, but that stopped when I wanted to cancel services ). After a while into the conversation he then mentioned he was with a debt collector FOR XXXX and not actually a XXXX employee. 

So then I was put off a little not knowing they would do that when all the while I had been trying to pay my bill. So I asked if this would go on my credit since I had been trying to pay this. He said if I paid that day that I would not have my credit be negatively impacted. 

I did so immediately and without hesitation. 

I did not think of it after that or check the payment for it until I got ANOTHER call from this credit collector 3 months later in XXXX. When they told me that the bill still had not been paid, and that since it was 3 months after the initial call that it would show up on my credit. 

When asked they could not provide any information about the initial call, but said they had reached out. They could not tell who made the call or anything specific ( recording ) but said they had contacted me. 

This is on my report, and I have tried to pay to have it removed, but those attempts have failed. To me this seems like a shake down. XXXX involved with Eastern Account system creates environment where customer can not pay bill. Send to Collection where Eartern Account creates environment where customer get dinged on credit reports. Customer pays company to get resolved. 

Thank you for you time. I appreciate any assistance and guidance you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion has violated my rights and has ignored my concerns over their reporting of erroneous account information on my credit report. They have illegally verified information that is reported wrong and there is no way to get a reasonable explanation from them. They have not provided any proof that I requested and I have not been able to get ahold to them over the phone. I have sent them all the information I have. They have stressed me out by making a simple situation difficult and refusing to uphold their legal obligations.

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 2023-12-30
Company: Atlanticus Services Corporation
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I continue to ask for proof as part of the dispute process of late payments that are being reported on credit profile. Instead of sending the proof, the disputed months become " unknown '' while other months that were report without incident " ok '' then receives late comments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Atlanticus Services Corporation
State: WI
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 This company is a fraud and scale. They told me they would. They were putting me in a program where I would pay {$50.00} a month with no interest in. And I'm still paying interest on this company. I paid a {$50.00} every month and somehow. I looked at the count today. The interest is still paying. So I called the company and talked to someone. That person told me that this company never put me in the program. So I'm still paying interest. They're not sticking to they bargain What they sent to me from XXXX  And it's like when they took gave me a XXXX XXXX it went right back on, so I'm never gon na get out of debt with this company. I'm just don't understand how you can tell customers one thing, and do something different it's sad that I can't get the help and the young lady told me. I was never signed up in no program at all and when I contacted them regarding about what letter that was sent to me. And I even emailed it to the company as well. No one still reached out and tried to help me. This company is really scamming me and I don't have it. They shouldn't have lied and told me. That was putting me in the program where they keep hitting. My critic report multiple dives. No company should be able to keep putting. The same thing on your credit report. XXXX times each month they report the account is closed and they keep charging interest and taking my credit score down. Lower and lower someone. Please help me with this situation. Because this company is not sticking to what they said about the program that they were talking about me paying back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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 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 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  A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-31
Company: MoneyLion Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several attempts were made to withdraw money from my account. My bank failed to flag the unauthorized transactions until after the fact. Over {$500.00} was taken, I had to wait til the transaction was finished processing before I could dispute the transaction. A dispute was filed, and an investigation is pending. There needs to be a higher level of security

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3-4 years ago my mortgage was sold by XXXX to a company called Seterus. Since then I have so many payment problems. My bank has sent them a mortgage payment 2x,  both occasions the payment was never received!! I get hit immediately with penalties. I have paid several times through their online payment system, again these payments failed and I got hit by penalties. Always penalties. The only way to pay my mortgage is to actually call them up every month and authorise same day debit from my account. Always so many extra fees ... I have reached out through social media and found hundreds of people suffering the same way. 

We now realise that Seterus are scammers, just looking to frustrate mortgage holders to screw extra fees every month. This is a consumer racket, and the public is being fleeced. I am a member of this XXXX page - https : XXXX. Please investigate them, they are fraudsters

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 2023-01-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX XXXX XXXX several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a SONOS speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include Experian and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my Experian FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

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 2021-08-19
Company: EQUIFAX, INC.
State: NY
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: Public record information inaccurate

Complaint:
There is another person by the name of XXXX XXXX same birthday XX/XX/1990 and every time an employer runs my background check her profile and criminal record shows up like its mine she live in Florida in XXXX XXXX and I currently reside in XXXX county I lived in Florida but never in XXXX and in XXXX XXXX and I once was arrested for a fugitive warrant for this individual and it was dismissed because they saw it was the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EGL US, LLC
State: TN
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:
MY IDENTITY WAS STOLEN!!! APPARENTLY BMG money isnt reading what Im adding on these complaints. I have submitted this 4 times. I have requested paperwork regarding the bank that they claim which theyre lying stating I added a bank to receive money!!!! Give me the information Im requesting. My phone number is XXXX. Email XXXX I need all information to give to my lawyer now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have repeatedly contacted this billing company to get them to bill medicare as the secondary insurer, not primary. Was told it was a surprise bill by XXXX and we did not need to pay any of it. It was a coordination of benefits XXXX  between XXXX and medicare as they billed medicare as primary and both refused to pay. I fixed the medicare end and they rebilled XXXX and collected over {$130.00} contracted part of the bill. I keep calling their billing office and telling them to bill medicare. They do not know what they are doing and have sent me 6 bills already. I could have ignored it as a surprise bill, but I worked to get them paid. I paid premiums to Medicare Part B and husband 's XXXX for over {$1000.00} per month. They need to bill Medicare. NOW THEY HAVE PUT ME INTO COLLECTIONS with Quality Asset Recovery LLC.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
INFORMATIVE RESEARCH XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-08
Company: U.S. BANCORP
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make additional payments each month and U.S. Bank has refused to apply the extra money correctly. I have asked them 3 times to correct this situation and they have refused.

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 2023-10-12
Company: Global Lending Services LLC
State: GA
Product: Credit reporting 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 this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XX/XX/2023. XXXX  as of XX/XX/2023. XXXX XXXX XXXX as of XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TV is everything in accordance with The Fair Credit Report act XXXX account, XXXX  XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out 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 2023-01-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Monday, XX/XX/XXXX In XX/XX/XXXX, I contacted the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX | XXXXXXXX XXXX XXXXXXXX, ( XXXX ) XXXX |Fax : ( XXXX ) XXXX. Informed me on XX/XX/XXXX they send Comenity Bank a letter regarding this matter, and if it still wasn't resolved, contact the Consumer Finance Protection Bureau. 

The XXXX account with Comenity Bank in XXXX ; the payments were on time. However, instead of XXXX placing the funds toward the XXXX account, the funds were attached to the XXXX account, which was also XXXX ; no clarification how that happened. In the meantime, I wrote a letter to close the account until the matter was resolved. 

The balance has been XXXX for at least several months ; Comenity Bank informed me to reactivate the account, I would need to write a letter stating to activate the following cards XXXX, XXXX, and XXXX. As Comenity Bank advised, XXXX XXXX, I wrote a letter ; however, XXXX months have passed since I wrote it the letter, and the few times they were called, they still will not remove the code. In addition, Comenity Bank never provided any feedback regarding the letter or the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-01-19
Company: CITIBANK, N.A.
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:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  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