BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates is on my credit report. I call them. Talk with XXXX. He gave me some info saying XXXX XXXX send my debit to collecting for a 2017 ER visit. I ask for a copy of the statement to be mail to me. He tells me I can get it email. We then continue to talk about a XXXX. XXXX XXXX End of call. No money send. 
I received an email 2days later. 
XXXX XXXX XXXX XXXX - XXXX Wakefield & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Direct XXXX ( this email change to a XXXX strand now ) Look at there website. Headquarters is located in XXXX 
I reach out to care point talk with an employee who was kind enough to help. My account is Zero balance. The guy also mention they dont do business with Wakefield & Associates . I ask for copys to be mail to me. 
When this information, and the address. On the website shows they are open.I figure I go talk with someone at the headquarter office. To get it resolved. I arrived to the location.I go up stairs. To my surprise the building is abandoned. I call them. Still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2017-03-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon a surprise transfer of my loan in XXXX, I contacted LoanCare to make a principle only payment and have my escrow account closed and have escrow stopped from my loan payments. I followed their instructions, went online and made a {$10000.00} principle only payment. At that time the statement said my first payment was due XX/XX/XXXX. I then wrote in, requesting my escrow account be closed. 
I only received a credit for part of my principle only payment, {$8000.00} instead of {$10000.00}, and because I had set up automatic payments, they have debited more payments than were due. They have also continued to debit escrow payments despite my written request that it be stopped. 
I have attempted to contact them and have not been able to contact a human to help. Written requests have not been answered. XXXX has also attempted to contact them on my behalf to no avail. 
I am paying interest on principle that I have paid down, extra payments have stolen from my bank account, and they have ignored all of my communication.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/2023. To date, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 


XXXX Account Account Number : XXXX TransUnion has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX XXXX Account Account Number : XXXX TransUnion XXXX indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report.

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 2022-03-19
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
beginning of XXXX of last year, credence resource management has been trying to collect a debt for XXXX that has my name on it but not my correct phone number i have never changed in 20 years. They did attempt to verrify debt by sending 4 of the most recent but any name can be entered there by them so they can collect on fraudulent debts. They say I owe {$1300.00} in one letter {$1300.00} again for another account, {$220.00} and {$170.00} all in the 6 months that it says the account was open for. I informed them this is not my debt not my phone number but they do their own investigation and replied on or about XX/XX/2022 that I owe this debt on a phone I have never used. For 2 years they not only have marked me as a bad cobsumber for a debt that is CLEARLY not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: BERKSHIRE HILLS BANCORP, 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:
XXXX XXXX XXXX XXXX is reporting on my credit report {$580.00} is past due and it's hurting my score.They have never reached out or contacted me in any way saying I owe anything. I have receipts that show my balance with them is {$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 explanation
Consumer complaint received 2022-03-19
Company: Convergent Resources, 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:
This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$XXXX}, Date opened. XX/XX/2018.

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 2018-09-10
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX DBA XXXX XXXX XXXX Account XXXX ( 2- Paid Accounts ) DBA XXXX XXXX XXXX Account XXXX I recently reviewed my report, and I have endeavored to settle this matter with you. 

Both of these accounts are on my report as collections ... these are a grave errors and is against F.C.R.A. law, and litigation will follow if it isn't corrected ... there are no contracts for these accounts, I settled these accounts with the original creditors, so collection agencies have no valid claim, and can not validate these false and erroneous debt claims, because they were settled a long time ago ... I have contacted the original creditors and collection agencies, and was informed that they did not verify these accounts, and that you should remove them ...

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 2023-05-02
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was deceived into sending {$1700.00} using Venmo, across 4 separate transactions. The transactions were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This service allowed a scammer to setup the ability to receive funds. I can not get them back, I attempted to dispute but Venmo said I am not able to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
REMOVE FRAUDULENT UNAUTHRIZED ITEMS. 

UNAUTHORIZED FRAUDULENT DEROGATORY MARKS/COLLECTIONS TRANSUNION : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: AZ
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 to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a certified letter to Experian XX/XX/2022 requesting confirmation of the accuracy of my credit profile, the letter was received by Experian XX/XX/2022 and I've yet to receive a response. According to law Experian has 30 days to reply, to date it's been 40 days since receipt of my request.

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 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
last month I opened a Capital One Master Card at that time I enrolled in auto pay. I accidently entered my inocorrect checking account number and the payment was returned.after speaking to them 3 times and trying to make 3 payments ( in all conversations they told me that the matter was cleared up ) .. 
Today again I called and asked why they are not taking my payments, finally they told me that the checking account I entered was wrong.. I made a for XXXX.. they said my account was going to remain frozen until I verify the wrong account I mistakenly entered in autopay.. since I do n't know the number I I cant.. they have my proper checking account number. but will not take my card off being frozen. I said I would pay it off and close the account. they said I ca can pay it off but the account would remain open forever and I can never use it be because I am unable to verify the checking account number that I initially entered incorrectly.. but they will continue to charge me an annual fee for the card.. so they wont take it off the frozen status and they wont close the card. 
they say they recorded all of my phone contacts with them so I asked them for transcripts of the conversations proving that I tried to pay 3 times and 3 times they told me that the problem was reconciled.. today I spent many hours on the\ phone with them talked to three people and they said were putting me on hold but they hung up ... they kept trying to make me say that my acts were intentional and that I tried to fraud them ... they were pushing me to use those words.. I need this resolved so it dosent ruin my credit and I want copies of the transcripts of the conversations.. I want to sue them or get a lawyer or something I admit that I mistyped my checking account number in autopay completely by accident.. how can I resolve this and sue them. how could they refuse to close my account, I cant ever use it, I have to always pay annual fees .... 
unless I verify an account number that I mistyped and do n't know what the number is ... I want the transcripts to show that they told me it was resolved 3 time 3 times and to show how they tried to make me use words to say that I frauded them intentionally.. 
PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$1700.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXXAccount high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXXAccount high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish a account 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
hey hows it going i have reviewed my credit report and, Ive noticed certain accounts where no reporting accurately. I was informed by the credit bureaus that the information was accurate. but that would be incorrect. Below ive left and attach files where you can see that the information is not reporting accurately XXXX XXXX, XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The information on these account are not accurate. EVenb after the bureaus stated they were validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management is reporting an collection account for the amount of {$160.00} I am not aware of this account and it does not belong to me. 

Date open XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: TMX Finance LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Starting XX/XX/XXXX, I contacted the corporate office about the local stores collection procedures. They had the director assign One rep to collect partial payments. This was done, ok until XX/XX/XXXX, a new manager tried to impersonate the assigned rep. After, the assigned rep has refused the payment plan and refused providing contact info for reg director, I believe they have caused erroneous charges in interest and fees putting my one vehicle for a XXXX person in jeopardy of being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief