BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam, On XX/XX/2021, I sent an amount of {$64.00} to my XXXX child-teacher for his online class. After eight days, the country 's recipient informed me that he has not received his fees and waiting. When I contacted the World Remit customer service line, I was reported that it is under security review, and my money transfer is flagged. When I spoke with the supervisor about my case, he assured me he would release my money in the next 2 hours and follow up with me. ( No call received from supervisor till XXXX ). The next day I called again and spoke with the different supervisor, and she assured me that if I would like to cancel my transaction, give us 24 hours. I called the next day after 24 hours again, and they gladly informed me that my transaction had been cancelled and we will refund your money back. Also, she provided me with a confirmation email and text msg. " Hold Cancel. '' The same day, I chose a different money transfer company, and they process my request in few minutes. After few hours, I received another text from World Remit that my money transfer is completed, and the recipient will get money soon. I called customer service and tried to talk again with the supervisor/duty manager, but they turn me away and said they would contact me at an unknown date and unknown time. I already spent three days in a row with this company and now not going anywhere with my case. As World Remit 's called security check, I felt like they target people based on their religious belief, race, and ethnicity. I felt like being one of the companies targets even I provided them with every information they needed. Now they transferred money when I decided not to use their services and lost {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}, {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.

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 2021-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
around XX/XX/2017 a auto i was buying from credit acceptance was totaled in a car accident and my insurance paided them along with my gap insurance which covers whatever XXXX dose n't pay.at that time i had a payment due when it was totaled and that payment was a little over XXXX.they are still trying to collect money from me by saying gap dose n't pay for past due amounts, which it was not They now have my amount up to XXXX dollors and that it is past due over 180 days.They started charging around.. the day the car was wrecked. i feel this is very fraudulent.They were at XXXXdollors my last check on my credit report says XXXX dollors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To Whom It May Concern : I've sent a letter to a collection agency to validate and verify a debt of a mount {$1000.00}. The US Postal Office was unable to verify the collection agency address : ALLTRAN EDUCATION INC XXXX XXXX XXXX XXXX XXXX, IL XXXX http : //alltran.com/ ( XXXX ) XXXX It appears to me someone was trying to collect a debt by using my name as a debtor. Will you please look into it?

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 2019-09-28
Company: EQUIFAX, 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 information incorrect

Complaint:
I initially opened a dispute with Equifax via mail on XX/XX/2019 concerning inaccurate and unverified accounts and inquiries. After that dispute was submitted, I also noticed that a balance on my credit card account was inaccurate. I paid the balance of the card off and instead of reflecting a XXXX   balance, the XXXX account, reflected a balance of {$260.00}. I submitted a dispute regarding that account and eventually that account was updated to reflect a XXXX balance. 

I filed a complaint with CFPB, yesterday regarding Equifaxs refusal to send dispute results within the 30 day timeframe or delete the inaccurate and unverified accounts and inquiries. As of today, I received an update from a Equifax with regards to another account I have with XXXX, that I never disputed, stating the balance has increased from {$5.00} to {$260.00}. This account has not even been charged any debt this month and should have a XXXX balance. The inaccurate balance has caused my Equifax credit score to drop 13 points. It seems that there may be some correlation with filing the complaint and the possible subsequent and intentional reporting of inaccurate information by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info 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 2019-08-09
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: Information belongs to someone else

Complaint:
I am filing this complaint to stop reporting this erroneous item. 
XXXX XXXX I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Ascendium Education Group
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Fraud is what happen when it was XXXX XXXX then due to all the unscrupulous activity these people where doing they changed name to XXXX  and became 2 separate companies in order to save them self from their Investor and Department of Education who let the fraud take place. if you would like to know more about my case and refer me to an attorney that will be great .. My case is documented with the XXXX XXXX and my Loan is Null an void since the day they did fraud to me and my acct. 


now since the Original company knows there was fraud and they know I have the proof to how it as I have done to the XXXX XXXX they sold of the Null and voided loan to XXXX XXXX, which is just another front for XXXX XXXX XXXX they also own this business. Id like to get the Contacts for the Lawyers who represented the 10 Teachers in New York and have then speak to me. 

These people back in the days did allot of illegal things and it was because of me exposing them to the Fraud they where commiting they even changed how we could communicated with them .. I still have the old emails from my XXXX Acct that shows some of this fraud .. so they changed the way we had to correspond to them using there own portal that they later implemented so that borrowers could no longer hold evidence of communications and if you want to have them release it then now after they did all that .. it would require a Court Order how clever. 

anyways my story is true and for so many year has not been challanged by anyone but myself and the XXXX XXXX  but no legal Action .. Ofcourse we are all broke and credit harmed by all this scam and fraud that they are responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2018-09-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's  harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was the result of identity theft. I contacted Sequium Asset Solutions. Asking them to immediately delete this from my report yet it still remains its on, XXXX, XXXX  and XXXX  it needs to be deleted ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the
Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: SLM CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate unrecognized credit inquiry fraudulently done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Risecredit, LLC
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: Account status incorrect

Complaint:
HAVE BEEN TRYING TO RESOLVE THIS CREDIT REPORTING INACCURATE INFORMATION WITH RISE CREDIT FOR A FEW WEEKS NOW. RISE REPORT MY PAID IN FULL ACCOUNT AS 30DAYS DELIQUENT. I DID CONTACT RISE AND T.HEY HAD A REP NAME XXXX WORKING ON MY ACCOUNT TO ENSURE THE INACCURATE CREDIT INFORMATION WAS CORRECTED TO REFLECT THE ACCOUNT PAID IN FULL ACTUALLY THE ACCOUNT WAS PAID COMPLETELY. HOWEVER IT HAS BEEN A BACK IN FORTH ISSUE WITH RISE THE INACCURATE REPORTING TO CREDIT BUREAU CAUSED MY SCORE TO DROP 30 POINTS WITH ONE AGENCY AND XXXX POINTS WITH ANOTHER. WELL TODAY XX/XX/XXXX RISE REPORTED TO THE CREDIT BUREAU THE ACCOUNT CLOSED THEY DID NOT REPORT THE ACCOUNT WAS PAID IN FULL BY ME. IT APPEARS LIKE RISE CLOSED THE ACCOUNT AND THAT IS TOTALLY NOT TRUE. I MADE EVERY PAYMENT WITH RISE ON TIME AND ALL PAYMENTS WERE MADE. I PAID THE ACCOUNT OFF AND THAT INFORMATION SHOULD BE STATED ON MY CREDIT REPORT ACCOUNT PAID IN FULL. THIS IS BEEN A CHALLENGING ISSUE TO GET RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Specialized Loan Servicing Holdings LLC
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:
Dear CFPB, These two mortgage companies reported false information on my credit reports. 
XXXXXXXX XXXX and SPECIALIZED LOAN SERVICES. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX  from my report but not SPECIALIZED LOAN SERVICES. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

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 2020-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original loan was for {$10000.00}, I have paid back from 2012 to now XXXX to date and still owe XXXX. I never agreed to such terms. It has ruined my credit because it saying I havent made payments on 4 loans. Which they are responsible to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I desperately need some help with resolving the situation st hand. I disputed these unknown accounts to the collection 's agency also the credit bureaus both are willfully of disobeying the law by currently reporting incorrect, and misleading information after several attempts, i received only verification of balances nothing was 100 % validate therefore im requesting that the CFPB enforces my rights by law.

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 2021-02-01
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I logged into XXXX XXXX  and saw a new account reported under my name for XXXX XXXX for the amount of {$310.00}. The account was initially opened in XX/XX/XXXX. There is no way this account is mine because I live with my parent for the past 3 years. I haven't signed my name over to anyone to open an account for XXXX XXXX. I suspect this is fraud under my name. I have lost my social security card a few years back but made due with a copy I have. I think someone has stolen my identity.

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 2020-05-26
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:
I have the XXXX XXXXXXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX XXXXXXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXXXXXX {$95.00} US DEP ED XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 disputed XXXX XXXX account, however i never received any proof verifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report

Company response to consumer: Closed with explanation