BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and I have a debt collection from XXXX XXXX XXXX XXXX that's was opened in XX/XX/2019 I was not a where of this account is reporting false information. It states it's an open debt collection account and reporting an open balance of {$1400.00} which is inaccurate. I have tried getting in contact with this creditor but had no luck. Delete any negative remarks in my credit report. And send me a updated credit report with reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: HYUNDAI CAPITAL AMERICA
State: CT
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:
HYUNDAI CAPITAL AMERICA IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING PERTAINS TO A DEBT THAT I SUPPOSEDLY OWE THEM.

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THEM, THE CREDITOR AND I HAVE RECEIVED A 1099C, COPY B FROM THEM CONFIRMING THIS. ALSO HYUNDAI CAPITAL AMERICA HAS REFUSED TO STOP REPORTING MY TRANSACTION HISTORY AS I PREVIOUSLY REQUESTED. PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW RESCINDING ALL AUTHORIZATION GIVEN TO REPORT MY INFORMATION TO A THIRD PARTY AFFILIATE ; WHETHER WRITTEN, UWRITTEN, VERBAL, OR NONVERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITLY. HYUNDAI CAPITAL AMERICA IS ALSO REPORTING A BALANCE OF {$1800.00}, ON AN ACCOUNT THAT THEY HAVE ALREADY WRITTEN OFF AND HAVE SENT A 1099C TO ME THE CONSUMER, CONFIRING THIS. THIS DEBT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED OR UPDATED ON MY CREDIT REPORT. 
IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT. I AS THE CONSUMER EXPECT THIS ISSUE TO BE FIXED IMMEDIATELY.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: GA
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:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section Stat7es : 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 seven 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 non-monetary relief
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX 2 payments were deducted from my bank of America checking account for my auto insurance with XXXX from my BOA checking account ending in XXXX, one for {$320.00} and one for {$310.00}. Only one payment was to be made to pay that months invoice but it is not known how 2 separated payments were made. I did set up one payment on XXXX 's for {$320.00} but the 2nd payment for {$310.00} posted first to the account and paid the auto insurance for that month. XXXX 's could not verify for me if the additional payment was accidentally a technical issue or put through by my insurance agent in error which also occurred in XXXX but has been corrected. I disputed the extra payment of {$320.00} through the bank and it was credited to my account on XX/XX/XXXX, however, Bank of America sent me a notice stating that it plans to reverse the credit of {$320.00} and charge my checking account {$320.00} on XX/XX/2020. Bank of America should not debit my account because as of today, I am now overpaid on my auto insurance and if they debit my account {$320.00} on XX/XX/XXXX, it will directly affect my billing and put me 2 months ahead which I do not want. I have attached documentation to prove my claim.

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 2023-12-14
Company: Possible Financial Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a loan was open with possible finance on XX/XX/2023 in amount of XXXX this is a fraud account never heard of you guys please remove from all three credit reports or attorney general will be contracted my rights have been violated THIS IS A REFUSAL IM NOT PAYING FOR ACCOUNTS THATS NOT MINE AND PLEASE DON'T TRY TO UPDATE ADDRESS ON YALL END I KNOW THIS ACCOUNT IS FRAUD

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
I have attempted numerous times for XXXX to DO a complete investigation OF EVERY ITEM OF INFORMATION THEY REPORT ON under what is defined as investigation under the laws passed by congress. They have repeatedly continued NOT TO DO AN INVESTIGATION AS IT IS DEFINED by the law. 
THEY HAVE CONDUCTED NO INTERVIEWS WITH FAMILY AND FRIENDS AND HAVE NOT DONE a proper investigation as defined by law. 
They have also repeatedly violated my rights 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) XXXX Report Number XXXX Date Generated XX/XX/2023 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NY
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
portfolio recovery reported the same debt 3 different times in one year. XX/XX/18 for {$830.00}, XX/XX/18 for {$850.00}, sold it to another company who reported it on XX/XX/18 {$870.00}, sold it back to portfolio recovery XX/XX/18 for {$810.00}. I requested proof of debt. It is severely impacting my credit score. Additionally, I had a credit card in collections that I resolved with XXXX  XXXX, but portfolio reported it as collections on XX/XX/18 {$1200.00}. I asked for proof of that with no response. I want these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX  on XXXXXXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I went to XXXX # XXXX to ask for the service of send money to another country. XXXX offered me the service using Money Gram. 
I provide the recipient 's information requested for an account deposit, including name, location, bank and account number. 
XXXXMoney Gram promised me that the recipient will have the deposit by XX/XX/2023. 
I provide my identification and confirm the recipient information. 
I sent {$500.00} and XXXX charge me {$8.00} transfer amount. Total XXXX charge me {$500.00} cash. 
XX/XX/2023 I contacted the recipient to let her know about the transaction. 
XX/XX/2023 recipient did not see the deposit in her account. 
XX/XX/2023 I call Money Gram ( XXXX ) to ask for information about the money because the recipient has not received that in the bank account provided. Someone with Money Gram told me that the money is not longer with Money Gram but they don't know where is it and they open a case. 
XX/XX/2023 The recipient has not received the deposit in the bank account. I call Money Gram asking for any information but who took my call said that they don't know where is my money but there is a department working on mi case. I ask for an email or phone number to get comunication but this information was denied as well. 
XX/XX/2023 I'm filling this complaint. 
Reference number XXXX Case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-26
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:
XXXX, Experian ad XXXX were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXXXXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate. 

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.

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 2022-07-18
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For a year and a half, I have disputed an alleged outstanding balance from XXXX XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXXXXXX XXXX  ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency State Collection Service , Inc., and to the second collection agency XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Their investigation did not fix an error on your report

Complaint:
I want to submit a complaint in my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record in all accounts listed below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My unblemished credit has suffered a sudden, surprising, and stubborn impediment, which now imperils my timely repayment of obligations taken on to get through the COVID pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an Adverse unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this Adverse Entry with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.

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 2022-12-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, cabinets were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX  has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX  has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a XXXX per violations and further damage to me financially.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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