BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have received a loan around XX/XX/XXXX. At a glance, it seemed to be nice deal upon the initial process, with promises of low interest, but after a couple months of having the loan, I have seen rates get higher. I was given multiple contracts to sign, which I now find suspicious. Ive also struggled with being able to pay online which is my preferred method of payment, but the website seems to often malfunction. There is often aggressive calls being made to make sure I pay on time as well. I have looked up my emails over my payments to the loan, and found I have paid well over the borrowed amount. The last time I was able to check my balance on the portal, I recall seeing I owed roughly the same I borrowed, a year after paying. Their website is constantly getting network errors preventing me from signing in as of XX/XX/XXXX. Below are the dates and amount paid through my emails. I rarely paid in person, so these are most of payments. I paid about once in person so it's probably a little higher than the shown amount. 


Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$450.00} Payment Date : XX/XX/XXXX Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$400.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Total Paid : {$5700.00} Initial Loan : Roughly {$3000.00} Last Checked Balance ( by memory ) : over {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally is threatening to close my account as part of retaliation ( due to complaint made to CFPB ). Now i wanted to cancel one of the outbound transaction. Reached out to ally during XXXX XXXX to XXXX XXXX Central time ( at this time their system was up and scheduled for maintenance at XXXXXXXX XXXX  EST ). chatted with ally XXXX XXXX. She shamelessly asked me to call Ally customer service. I called Ally customer service and happen to talk to XXXX interaction ID XXXX. 

Both XXXX and XXXX are in the weekend mode and simply passing me from one place to another. Why can't they cancel the transaction of {$1000.00} going to my XXXX account when system is up? If they can't do it now, why can't they make a note of customer request and do it when the system is up rather than asking customer to call again? 


Total waste of time and efforts for me.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
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 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 2018-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting incorrect information for my XXXX is different than all other credit reporting agencys they are also not reporting the cards that I am authorized to use please report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-13
Company: Bread Financial Holdings, Inc.
State: MI
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 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the middle of XX/XX/2022, I learned from alerts through my XXXX XXXX account that my XXXX  score had dropped dramatically. When I researched it I learned that collection was being attempted on a debt that XXXX XXXX claimed I had with them .. when I didn't respond, they referred the debt for collection. 

This the text of a letter I sent to LVNV Funding LLC challenging a debt claim. A similar letter was sent to XXXX XXXX. 

________________________ LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference numberXXXX I received your letter of XXXX directing payment on a delinquent account on behalf of LVNV Funding and XXXX XXXX XXXX 
This letter is to notify you that I am challenging the claim. 
1. Ive never had any transactions nor communications with XXXX XXXX. 
2. Ive neither applied for nor received a {$6000.00} loan as your letter describes, however... 
3. My research yields : a. On XXXX someone opened a savings account and acquired membership with XXXX XXXX XXXX XXXX in VA in my name using an email address which wasnt mine and a phone number which wasnt mine. 
b. I spoke with a representative from XXXX who advised that the person also applied for a {$6000.00} loan about the same time. 
XXXX XXXX month later on XXXX the savings account was closed by XXXX as the loan application was found to be fraudulent. The loan was denied and no funds were disbursed. 
d. On XXXX XXXX opened an account and began to add late payment claims to XXXX. This continued until recently, LVNV added a collection/charge off claim with XXXX on XXXX, and XXXX added a, New Non-Medical Collection to XXXX on XXXX. 

____________ The total debt is shown as {$6100.00} I received a letter from Resurgent on behalf of XXXX XXXX XXXX advising that they had initiated a review of XXXX 's inquiry. I don't know how XXXX got involved. I challenged it and filed a complaint with them. 

I've also filed a police report with the local police .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX advising that I had a checking account with their bank. They report a positive balance of {$6000.00}. I did not open this account. 

***Also .. the email address showing in this form is not correct and even though I am advised to correct it in my profile.. I can't find my profile. The correct email address is XXXX. ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I initiated a wire transfer of {$10000.00} to a XXXX XXXX account to purchase an item. Shortly after sending the funds, I realized it was a scam. The person used a photo editing tool to make it appear he was in possession of the item for sale, when he wasnt. 

I notified my bank, Chase, immediately. They recommended I contact the recipient bank ( XXXX ). I then visited my local Chase branch, and the manager advised they could initiate a recall of the wire transfer. 

On Monday morning, I contacted the local XXXX branch to whom I wired funds to advise them of the wire fraud. A gentleman at the bank advised me that the account was flagged, and that the funds were frozen. 

I am now waiting for XXXX XXXX  to return the funds so that they can be placed in my Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Main Resolution Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called by a XXXX XXXX from Main resolution group saying they are to retrieve a statement about a complaint filed by their client. This was on XX/XX/2023 at XXXX XXXX and that I only have 48 hours to respond with a formal statement. He gave me a different number then the one he called me on and I was informed that he also called and bothered my parents. I have not received any written notice or anything like that about the debt they are supposedly trying to get. He called from XXXX but wanted me to call XXXX extension XXXX. I tried emailing the company and never received a response as I dont get good reception where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by XXXX XXXX on XX/XX/2023 for a credit card application that I did not submit. I contacted XXXX XXXX and reported this fraudulent application. XXXX  XXXX cancelled the fraudulent application and will contact Trans Union and XXXX to remove the hard inquiry. XXXX XXXX advised me to follow up with a complaint to the credit bureau. XXXX XXXX also asked me to allow 3 business days for this complaint to be complete. And 60-90 days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. 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 explanation
Consumer complaint received 2021-07-30
Company: Bread Financial Holdings, Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
WAYFAIR AND COMMENITY IS REPORTING MY XXXX  CARD XXXX, THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED LONG BEFORE BANKRUPTCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX Balance Owed : {$920.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; 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 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked Equifax to provide me with proof that i was late on the dates they are reporting, however, they haven't provided the information or corrected the problem by updating as paid ok. the dates that are incorrectly reporting are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, they are reporting XXXX lates in a XXXX ( month ) day period, this is impossible! This is incorrect inaccurate credit reporting and slandering my reputation as well causing me to be denied for loan products. please provide proof documents of the reported late payments or update to paid OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Bread Financial Holdings, Inc.
State: MA
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'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Old information reappears or never goes away

Complaint:
2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
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: Account information incorrect

Complaint:
XXXX, XXXX and XXXX are reporting incorrect information for a XXXX account. Account name, number, balances and payments are 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 explanation
Consumer complaint received 2023-06-13
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was flagged for bankruptcy mistakenly by my creditor and my account was frozen. I am a XXXX XXXX and rely heavily on XXXX advertising. XXXX pulled my adds once the bank in question placed my account, unlawfully, in bankruptcy. This resulted in a loss of revenue and sales for the duration of 7days until the dispute was settled and they returned my account to good status. As well, I suffered mental anguish and distress, taking off work from my regular job to correct this. Clearly, by their own admittance, they were at fault and I seek financial retribution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: I.C. System, Inc.
State: LA
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 Fair Credit Reporting Act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/XXXX, we contacted Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX ) by phone ( ( XXXX ) XXXX ) to discuss an item that had appeared on my ( XXXX XXXX XXXX XXXX credit report. It was a bill for ambulance service and ER visit that had happened on XX/XX/XXXX. At the time of service, we had submitted my ( XXXX XXXX XXXX XXXX insurance XXXX both XXXX and XXXX XXXX, which all parties XXXX both hospital and ambulance service ) failed to file. After repeat attempts to get them to file insurance as they sent us bills, we eventually stopped receiving bills and had assumed that they had finally filed insurance for payment. 

Fast forward to today, when in contact with the collection company XXXX Wakefield & Associates XXXX, on a recorded line, the gentleman told us that the insurance had been filed and denied, making the debt ours. We told him we disputed the claim and would contact the insurance company and find out the reason for the denial. We called XXXX XXXX XXXX XXXX XXXX and XXXX is through them XXXX and we had them contact the collection company as the insurance company said they would be glad to pay it. While on the phone with the insurance company, the collection agency admits the bill has NEVER been filed with insurance. They falsely represented us as the owners of the debt by directly lying about the state of the debt and its status with the insurance. Insurance is currently working through it but I still wanted to file a complaint because if someone who was not as persistent as me was in this same situation, these tactics could very well bankrupt someone else. Please look into it. The most it will cost me is a few headaches on my credit report but it could cost someone else a whole lot more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy thats reporting to the 3 credit report agencys that XXXX is giving them false information on my report and I told them that this a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 acquired a mortgage with XXXX XXXX XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because XXXX XXXX placed derogatory credit information with Trans Union. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to XXXX XXXX during the time reported to TransUnion, I found that XXXX XXXX was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with Transunion in XX/XX/XXXX. 

On XX/XX/XXXX Transunion returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, Transunion updated the information on my credit report, pertaining to XXXX XXXX account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting Transunion 's disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to XXXX XXXX is not in service. 

XXXX XXXX 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when XXXX XXXX increased the amount of months reported past due to Trans Union. My credit score has substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.

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