BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it May Concern, I do not know what this company is trying to pull here, but this debt was negotiated over the phone, assured that this consisted of all debt and the debt was paid in full. This would be verified with telephone transcripts. Once again, I made sure that all of the medical debt that I owed this company was compiled, and that debt was both negotiated, explained the number of days I would have that offer, assured ( after repeated assurances ) that the debt was all of the debt to this company, and paid it in full using a credit card on that day. From reading what other people have stated online, this company seems to be notorious for this kind of behavior. It seems as though they are playing on the faint-hearted to see if they will fight. I am a fighter, but not all people are. this company has overstepped its bounds entirely, and I hope somebody can stop this type of predatory behavior. 
Furthermore, I contacted the XXXX, was told that somebody would be reaching our, and Amerifinacial Solutions has yet to make a single attempt ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My account is closed, but I've been making my monthly payments to pay it off. Today should have been my last payment in the amount of {$240.00}. However, when I called in to confirm the payoff amount, I learned the actual balance is {$970.00} which isn't showing on my account online or on the statements. The billing statements are never accurate and does not include the amount paid towards interest or the interest-principal breakdown. I don't know where this other amount is coming from or how it was incurred. When I called the second time on XX/XX/2023, I spoke to XXXX XXXX and asked him to send me an itemization of my account after explaining the issue. He said he didn't know if he could do that and asked if I work with XXXX XXXX. When I told him no and never heard them he told me he'd tell me what the difference is for as soon as he figured it out. I told him I wanted an itemization of my account mailed to me because I have a meeting in a few minutes and couldn't continue to hold. He said in a forceful manner just hold on and I'll tell you then put the call on hold. I had a team meeting at work and had to disconnect. So I sent a certified letter requesting the itemization on XX/XX/2023. I've noticed even after paying the {$1.00} showing for on the account that the payment was accepted and withdrawn from my account, but the amount is still showing due and accruing interest. I'm not sure what they are doing or why they don't want to provide the itemization. The billing practices is questionable and statement are incorrect most days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my checking account, with USAA since XXXX. first USAA said that we had fees outstanding, and we had to wait a few days to ensure that there were no pending transactions. When we went through the fees we learned that there were mistakes created by USAA to obtain overdraft fee When USAA reviewd their mistakes they refunded the fees. After about of month no transactions on the accounts I attempted to close the accounts today. When I logged on three of the accounts showed a XXXX balance, XXXX dollars in one account, and XXXX XXXX cents in another account. 

I transfered the funds, that showed a XXXX balance. When I called USAA to close the accounts they said one of the accounts had an outstanding balance. When I looked into the transaction history, an overdraft fee that was refunded was re-instated, triggered by my attempt to close the account. This problem was created on one other account. 

Lastly according to USAA if I have an outstanding balance [ which I currently do not ] they can not close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone took my wallet and put a fake check into in back account. multiply time

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 2023-04-19
Company: Experian Information Solutions Inc.
State: IL
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2020-12-28
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: Information belongs to someone else

Complaint:
There are currently numerous accounts and addresses listed on my credit report that I have no knowledge of and that are NOT related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have previously submitted a complaint and it was closed when the company responded saying they were fixing things. We filled out our loan modification paperwork on XX/XX/2022 and it was received by Cross Country MortgageXXXX on XX/XX/2022. When I filed the complaint their response was they looked into it and had discovered they hadn't sent the paperwork to the VA. They stated in their response to the complaint that they sent the documents to their closing department to be sent to the VA on XX/XX/2022. Well here we are over a month later and nothing has been sent or changed. We really need them to get it together, to say they are negligent in this case is an understatement. I don't know how they have been able to get away with this and not be reprimanded. When it comes to the credit reporting they had also stated in response to the complaint that they were not following cares act and reporting properly so our credit was taking the hit. They said they would fix it, they didn't and I had to by submitting paperwork to the credit bureaus who then fixed it for us. Well they are reporting that we are 60 plus days late again!! Our credit again is taking the hit for their inability to do their job. I need someone to fix this because no one should have to go through this especially when we have done everything we are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 


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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to express my profound frustration and dissatisfaction with the numerous unsuccessful attempts I have made to remove fraudulent items from my account. Despite my continuous efforts and clear evidence supporting my claims, these fraudulent items persist, and it is imperative that they are promptly addressed and rectified. 

I discovered several unauthorized and fraudulent entries associated with my account. These entries include such as unauthorized inquiries, inaccurate address and collection accounts. 

Upon discovering these fraudulent items, I immediately initiated a dispute through your official channels, providing all necessary documentation to substantiate my claims. I explicitly requested that these fraudulent items be removed from my account. 
Unfortunately, my initial dispute did not yield the desired results, and the fraudulent items remain on my account. I have subsequently made multiple attempts to dispute these items, each time providing additional evidence and adhering to the proper dispute process, as outlined by your organization. 

In addition to submitting disputes through your official channels, I have reached out to your customer support on numerous occasions, seeking assistance in rectifying this situation. To my dismay, I have not received any meaningful resolution or assistance from your support team. 

The continued presence of these fraudulent items is causing significant financial and emotional distress. It is not only affecting my credit score but also damaging my trust in your organization 's ability to safeguard my financial information. 

I demand immediate action to remove these fraudulent items from my account, conduct a thorough investigation into their origin, and update my account history accordingly. I also request written confirmation once the fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines the trust I have in your organization 's commitment to protecting my sensitive information. I am asking for your immediate assistance to remove these following fraudulent items : MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX  MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX  Balance Owed : {$130.00} XXXXXXXX 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 2023-02-26
Company: EQUIFAX, INC.
State: MO
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:
An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
XXXX, XXXX, Equifax are non-affiliated third companies & an invasion of my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I, XXXX XXXX, Managing member of XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. 

I have applied for a business credit card with BMO Harris Bank in the name of the business to be sent to my office. 
I have NEVER received the card nor have I activated or attempt to make any purchase with it. 
I was out of the country from XX/XX/XXXX until XX/XX/2022 and again I have never used the card because I was never in possession of it. 

On XX/XX/2022 I logged online to pay my personal credit card and I noticed a business card ending in # XXXX ( a business card ) with charges made at XXXX, XXXX and other businesses totaling more than 7.000.00. 

These charges are fraudulent, I never received the card, I never made any purchases nor have any of my employees ever had access to this card. 

Please investigate the matter and prosecute it to the fullest extent of the law. 

Thank you 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 monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern, I recently pulled my credit report and noticed the following account ( XXXX ) reporting in error from an unreliable source that is harming my credit and good character. Please investigate and delete : 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 XXXXXXXX : Investigate and delete this medical account because it inaccurately provides information sufficient to infer, the specific provider of the XXXX XXXX I received ( which is the medical providers name ).

15 U.S. Code 1681b - Permissible purposes of consumer reports ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer.

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 2022-08-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I used XXXX XXXX  XXXX Zelle to transfer {$50.00} and then {$30.00} to an online scammer ( total {$80.00} ) to buy tickets to a concert. The person kept asking for more money and never sent me the tickets. This conversation took place on XXXX. The persons name on XXXX was XXXX XXXX XXXX. The zelle account I sent the money to was under the name of XXXX and the phone number associated with that was XXXX. The person also sent me a picture of an ID ( probably fake ). 
I reported this to XXXX Zelle, but they said that I may not get my money back because it was a direct transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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: 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 require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
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 2021-11-11
Company: CCS Financial Services, 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 am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLLECTION SERV ( Original Creditor : XXXX )  still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation