BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fox Collection Center has posted a debt on my account knowing it has already been paid to XXXX XXXX! I have reached out to them and they refuse to stop trying collect a debt that has already been paid months ago. Furthermore, I was not even informed given written debt validation of this debt existing or anything about they was going to place on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
HI Team, I have made international money transfer through transfer wise ( Membership number : XXXX. I transfer money from my overseas account of amount {$5000.00} on XXXX ( Reference enclosed ) and ask them send it to my XXXX account for family maintenance. But they rejected the payment and suspended my account and confirmed me to refund it to origin bank from where funds were received. 

Since then i am waiting for my funds into my bank account till now i wont received it and if i try to mail customer care they said payment already transferred it on XXXX but i dint received it in my account till date. And Customer Care people giving different answers when i try to mail multiple times. i am literally worried about my hard eared money i had lot of expense to paid off. could you please help me in this regard. 

Mail id : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
Toyota financial services ( TFS ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted Toyota financial telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: LD Holdings Group, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to XXXX XXXX XXXX XXXX  and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
I have several accounts on all three of my credit reports from XXXX, XXXX XXXX, and XXXX that all show my accounts are managed by a XXXX XXXX XXXX and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.

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 2021-10-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a recent and current police report on file with Chex Systems for being a victim of identity. The following reported information on my Chex Systems Consumer Report ID : XXXX, are fraudulent and unauthorized accounts and information : XXXX XXXX XXXX, account : XXXX, XX/XX/2021, {$660.00}, and XXXX XXXX XXXX account : XXXX, XX/XX/2021, {$120.00}. The following credit inquiries are fraudulent and unauthorized : XXXX Texas, XX/XX/2021, XXXX XXXX, XX/XX/2021, XXXX XXXX XXXX XXXX, XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX Texas , XX/XX/2021

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 2023-11-01
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I, XXXX XXXX XXXX recently reviewed my XXXX credit report after receiving a notification of a new account on XXXX, XXXX  and immediately noticed a company called Amerifinancial Solutions LLC since changed name from XXXX which I did not recognize, give consent or any authorization. I also noticed on my credit report this line item : Loan Type : Collection Agency/Attorney. I immediately felt like I was under arrest and experienced feelings of distress and harassment. Next, I reached out to the company to validate the alleged amount owed, advised to cease and desist all collection activities until proof of validation, any contract or business associate agreement with original creditor, license to do business in my state and all account details of the transaction or alleged services received via certified mail delivered on XX/XX/. I also asked Amerifinancial Solutions LLC to confirm how they received my information. On XX/XX/XXXX I only received a letter from Amerifinancial Solutions LLC which stated XXXX XXXX XXXX, PA was their client and had provided a itemized statement. Amerifinancial Solutions LLC misrepresented a fictious client relationship and created a deception that XXXX XXXX XXXX PA is their client when in fact this alleged amount is not being pursued by the original creditor. Further, listing tradeline as an Attorney ( loan type ) when in fact there is no intent to pursue legally and creating further deception and representation. Other inaccuracies are present on my credit report as well. Further, Amerifinancial Solutions LLC did not confirm any HIPAA business associate agreement involving XXXX. Somehow they have falsely received detailed information about my health and medical history. Which I consider as identity theft, misrepresentation, deceptive and outright violations of the US code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Complaint regarding Trans Union and XXXX  : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX / XXXX  XXXX XXXX  stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at Trans Union and 1 individual at XXXX. XXXX  did not have an answer and told me to contact my Mortgage Co..  Trans Union told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to XXXX  and Trans Union website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my XXXX score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.

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 2020-08-14
Company: CITIBANK, N.A.
State: OH
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:
I was told that my credit was accessed via a soft inquiry but I never authorized any inquiry to my credit.

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 2023-02-21
Company: EQUIFAX, INC.
State: CA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 explanation
Consumer complaint received 2020-01-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 I saw that my account was overdrawn. I deposited {$100.00} the same day at XXXX. 
Today is XX/XX/2020. I woke up today to see an overdraft for the amount of {$52.00}. This includes an overdraft paid fee of {$36.00}. 
There should not be an overdraft fee. I covered the amount yesterday. Besides, the fee is added because a {$20.00} charge came out last night. I am intending on covering that amount today {$20.00}. There should not be an overdraft fee if I am able to correct it today. I have my receipt. The bank is not being cooperative. I also suspect this has happened multiple times before but I was unable to prove it. The numbers change overnight frequently on the app ( by numbers I mean dates and times of deposits, withdrawals, and overdrafts ). I have requested an audit of my account, but have been refused. I aslo receive my paycheck through direct deposit. They hold my check for 3 days before making the funds available, incurring overdrafts. They will not give me a clear explanation of this process.

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 2023-08-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open an account with XXXX XXXX upon running it they noticed I was in Chex systems for a XXXX  account under a social completely different from mine and an Adress that I have never used

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 2023-08-28
Company: JPMORGAN CHASE & CO.
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 JP Chase Bank has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its 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 and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Winthrop Financial Resources, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Approximately in XX/XX/2022 I purchased a vehicle from XXXX XXXX XXXX located in XXXX Connecticut didnt even have the car in my possession for 48 hours until the car started to overheat also started to have serious problems so on and so forth they refused to fix it the vehicle so I took them to court I won the lawsuit for my down payment and everything else that was involved, towing fees, etc. I spoke to the bank which is Winthrop financial and I told them that how can I be held responsible for a loan when I didnt even have the property in my possession, I got the loan in an understanding that I was purchasing a reliable vehicle not a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I am attaching additional information/documentation that highlight that XXXX XXXXXXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account.

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
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