BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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:
TransUnion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
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 2023-07-04
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: Account information incorrect

Complaint:
XXXX XXXX is reporting to all 3 major credit reporting agencies. ie ; XXXX, XXXX and Transunion, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however XXXX XXXX is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted XXXX XXXX several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have received your response attached down below. I want to thank you for prompt response. Unfortunately, the documentation you sent did not give evidence of how the investigation process taken place. Neither prove how you are lawfully nor legally able to report the XXXX payments for XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX XXXX # XXXX. This account XXXX XXXX auto finance, for example I would like to know how your investigation differ from XXXX reporting never late. If you XXXX have different information reporting how is your investigation results verified and accurate. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. To my knowledge, I did not give written consent to your company. If you have documentation proven otherwise I would like to be given the documentation of such. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. During your investagation, did you come upon me receiving a periodic statement 21 days before payment was due. I would like to be shown when this statement, what address, and proof of deliver to the correct address at that time, each time I was consider late. If these documents can not be provided then your investigation was not verified nor accurate. According to my consumer rights the late payments on the accounts should be deleted and updated to paid and never late within the next 30 days.

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 2018-11-24
Company: American Payment Holdco, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I used the bill payment service offered by XXXX in XXXX to make payments to my credit card account at XXXX  ( the receipts and details for those transactions are below ). Later, XXXX issued a partial refund of one of those payments back to XXXX. XXXX received {$410.00} on XX/XX/XXXX from XXXX, with the ACH trade ID number of XXXX. The document enclosed shows that ACH transfer and includes the ACH trace ID number. I have contacted XXXX multiple times about this refund and they refuse to even investigate it without me providing the XXXX account number that this refund was processed to ; however, I do not know this number and I can not obtain it. XXXX will not provide the XXXX account number because I am not the owner of that account - XXXX is. XXXX can confirm the transaction for {$410.00} using the trace ID number, date, and amount that I provided, verify that transaction, and refund those amounts to me. They have not responded to multiple requests for this. 

Here are the original reference numbers for the payments I made to XXXX using XXXX  : reference number - XXXX XX/XX/XXXX - {$4900.00} reference number - XXXX XX/XX/XXXX - {$4900.00} I am also attaching my receipts for these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently on a graduated repayment program for my Sallie Mae student loans. I usually pay around {$190.00} per month, however, I'm a little behind and currently owe {$380.00} for last month 's payment and this month 's. 

I have reached out to Sallie Mae a few times between XX/XX/XXXX and XX/XX/XXXX. Aside from reaching out to them myself, they have been calling me non-stop to get my account " current. '' Each representative I speak with basically threatens me by saying if I don't make the payment by a certain dateXXXX XXXXstthey 'll report me to the credit bureau AND drop me from the graduated repayment program. 

Aside from being threatened, here are my issues : 1. I have been financially affected by the pandemic, and Sallie Mae advertises VERY CLEARLY that their borrowers are their first priority and that they will help in any way that they can. When I called MULTIPLE TIMES for said help, the representatives told me that I have no other options. Not one person I have spoken to has put me through to someone who maybe can help or even knew what to do other than reading off their script. 

2. I'm on the graduated payment program for a reason. It's because I couldn't afford to make payments upwards of {$700.00} per month. At this point, I'd like to add that no one would help me during that time either and in order to get onto the graduated payment program, I basically had to stop making payments so the company would get scared and put me through to a resolution specialist. So, if I can barely afford to make my payment of {$190.00} right now, how am I supposed to afford $ XXXX per month if they kick me off the program? What am I supposed to do then? 

I have filed a complaint directly with Sallie Mae, but surprise, surprise, they haven't gotten back to me. I am absolutely disgusted with the way I'm being treated and with their XXXX XXXX representatives calling me to demand money and threaten my good name if I don't pay. These are unprecedented times, and my account has been in good standing for the past year and a half. It's not as if I'm just withholding moneyI 'm barely keeping up with rent and the other bills I have to pay! It's ridiculous that Sallie Mae 's only concern is driving their borrowers into the ground with debt and predatory interest rates with no life raft during times like these. 

I did my part by contacting Sallie Mae to find out what my other options are. All I needed was a little breathing room to catch up on my payments which is more than possible within the next week or two, but they don't seem to care. Pre-pandemic I was becoming more and more financially stable, and now I'm lucky if I can afford the gas for my car or groceries. What Sallie Mae is doing is criminal and someone needs to put an end to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received in the mail today ( XX/XX/2023 ) that states this debt from my XXXX  was sent to this company. I was not notified by my XXXX  this was even going to happen. I have XXXX  and I see them every 6 to 8 weeks. And no one let me know this would one go to collections. In addition, my mom calls on my account and she was not notified this debt exists. There were no actual bills from the dentist received via mail or email. 

The debt was actually paid on XX/XX/2023 via credit card in full. It was paid directly to the XXXX  office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: MoneyLion Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received in the mail with correct name and address. It says, Welcome to XXXX XXXX by XXXX. XXXX FDIC XXXX Activate your card XXXX set up direct deposit XXXX get paid up to 2 days early Then it has a form to fill out asking for amount of my paycheck I want to deposit. It has my name already filled out, but no account number. Just asking for a signature. 
It also came with a seamingly nice card. With a chip enabled. It a XXXX with an expiration date. It does also have a card number and a security code, which is concerning. It says debit on the card. Also says MoneyLion. With a sticker and a number to call to activate. 
I don't want to contact them and give them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I have paid this account as agreed and the company/credit reporting agency has reported the account as closed instead of paid as agreed and it has negatively impacted my credit score and report which is not doing right by me as the consumer who fulfilled this high dollar commitment.

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 2023-01-10
Company: Payfare International Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was stopped while working and asked to verify my identity to continue working. The man said his name was XXXX and worked for XXXX and gave me a badge number. He said they were having problems with premium XXXX  having relatives work for them and it was a contract violation. He told me to stop the delivery I was on and verify myself. He paid me thru the payroll app a cancellation fee for cancellation of my delivery he then canceled the delivery. He had personal information about me and my working statistics. He asked me for a code that I received via email. He then would not let me work until I provided this code to him. He was using the pause your XXXX  function through the XXXX  app. He paused my XXXX  XXXX separate times preventing me from XXXX. I thought I had to give him the code to keep working and he said he needed it to pay me another fee. After I gave him the code he changed the phone number in my XXXX direct account and issued a virtual card to himself and spent {$1300.00} in funds. I immediately tried to stop this by changing the phone number back to my own number and the guy had hacked my email address stopping me from receiving emails until I kicked all users off my session and then I received all the emails I was not getting. Those emails were the second step of authentication for me to change the phone number back. When I was able to get XXXX support on the line they secured my account and reissued me a card to stop the account from being used again fraudulently. They said I had to dispute every charge and submit it to them and it would take 60 days I have waited and to no avail. They were trying to secure a one time payment from pay fare back in XXXX and I was then told to wait for pay fare to call me back. I havent heard a thing from pay fare about this matter. This all happened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TRANSWORLD SYSTEM INC reported a debt in the amount of {$110.00} to the credit bureaus that was opened on XX/XX/XXXX, and I was never notified or received a letter about this debt collection before they reported a collection to the credit bureaus. I have moved out of the apartment on XX/XX/XXXX and called to close this utility bill from XXXX. It is impossible for me to receive any letters if it was sent to that address. Now, this is affecting my credit score because I never received a proper notification from TRANSWORLD SYSTEM INC. I also called Transworld System Inc today to just pay {$110.00} for a pay for delete, but I was told by their representative that they do not do that, so even if I pay for this debt which I have no clue about, my credit will still be affected in a negative way ; this call was being recorded by them as to what their representative stated, and this can be verified by them if they want to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
Inquiries unrecognized. I do not have an account with this company. Asked to investigate and remove. Experian ignored.

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 2021-03-15
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI - WHY??? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I opened a PayPal account on XXXX XX/XX/2021, and had my account limited, upon the registration, and according to the message that I saw on my PayPal dashboard, was that it was limited for fraudulent reasons, and I believe there's a huge mistake somewhere. 

I registered a business account with the right details, and also included my National ID number, which is : Name : XXXX XXXX XXXX XXXX ID : XXXX PayPal Email Account : XXXX I've never used PayPal business account before, though I have a PayPal Personal account, which is : Name : XXXX XXXX Email : XXXX And I didn't see the reason why my PayPal business account was limited. I was asked to submit an ID ( Identification Detail ) in order to lift my account, in which I submitted my national ID as a form of PDF. 

Then after some hours, I received a shocking message from PayPal that i can not use PayPal any longer. I'm still very shocked and depressed, because I didn't see any reason at all for this. If there was a reason, PayPal would've let me know or should let me know. I can't wait after 180 days according to the message that I received from PayPal. 

I am a merchant, affiliate marketer, blogger, and a XXXX. I really need a business PayPal account for receiving payments online. I do use XXXX, but I prefer PayPal to XXXX. 

Please PayPal, solve this issue the best way you can. Any problem, you can contact me on this email : Email : XXXX Because, I am 24/7 active on that email. Anyway, waiting for your response. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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 information incorrect

Complaint:
Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a to go to the ER Early one morning. My VA Doctor told me to go to XXXX XXXX for my issue. because he could not see me, he sent me with a referral from the VA to go. Everything was fine with this issue for about 6 months, and then i got a hit on my credit report from a capio partners for said medical expenses. I have VA and XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX Veteran i get full coverage. I tried to explain this to this company also the VA has called them and sent them letters saying They will pay it. The company is still insisting that i have to pay for these expenses. I have 2 different collection on my credit from this now. This company is horrible to talk to, and will not understand.

Company response to consumer: Closed with non-monetary relief