BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MD
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'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 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 non-monetary relief
Consumer complaint received 2019-03-12
Company: Mid-Atlantic Finance Co., Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
{$4200.00} MID ATLANTIC FINANCE I was told back when i surrender the car to the bank now they say I owe XXXX they me if I surrender I would not owe any money now its changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt validation letter was sent to IC SYSTEM on XX/XX/2020 with regard to a debt that appears on my credit report as : XXXX XXXX XXXX  XXXX : XXXX. IC System is a 3rd party debt collector, i received no goods or services from them, thus i have no contract with them to owe them anything since they bought this debt for pennies on the dollar and our trying to collect on a debt that they have no signed contract between the two of us. IC System has yet to respond to the debt validation letter that was sent to them certified mail on XX/XX/2020.

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 2020-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo returned a check for {$370.00} claiming I only had {$370.00} in my account. My savings had over {$600.00} in it at the time and not one time during me logging in that day did my account go negative. Wells Fargo also never sent a balance alert like they were supposed to if my account supposedly did not have the money. On XX/XX/XXXX I actually watched that money leave my account at around XXXX - XXXX XXXX, after it left my account, I had a balance of {$22.00}. I dont see how Wells Fargo can return a check after they took it out my account and at the time they took it out, I still had a positive balance. Common sense would tell the bank I wouldve transferred {$5.00} to avoid the {$35.00} NSF and the {$120.00} fee I now have to pay to the company for a return check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: FL
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:
My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX has reflected that in their report and given me XXXX. XXXX XXXX and Experian are lagging and under reporting my score.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2018-07-30
Company: Financial Recovery Services, 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: Account status incorrect

Complaint:
This account shows as a derogatory mark on my credit report which I was unaware of this account. I have not received any letters or phone calls related to this. It was closed an sold to collection agency who neither tried contacting me before putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSWORLD SYSTEMS INC
State: MI
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 pulled my credit to find that TransWorld Systems Inc. has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
Equifax has kept reporting inaccurate information on my credit report. I have informed equifax that the collection account reported to equifax by XXXX XXXX XXXX XXXX and XXXX XXXX company dont belong to me. Equifax has kept saying that they investigated the accounts and that these accounts belong to me which is not true. The information equifax is reporting on my report is inaccurate. The FCRA requires credit reporting agencies to report accurate information and to update reports within 30 days. Equifax has failed to follow this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX, whom is not a Licensed Collection Agency and has no Authority over my debts. They are a Monitoring company and keep sending me emails about my past due accounts, they do not have permission or authority to act as a Debt Recovery Agency, I constantly get emails from them weekly about different debts telling my my accounts need attention. 
I want this stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I saw XXXX XXXX XXXX Hard Inquiry on my report on XX/XX/2022. 

I didn't apply and/or authorized anyone to use my credentials.

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 2023-05-24
Company: JPMORGAN CHASE & CO.
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 submitted disputes with XXXX and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with chase nearly a month ago. It is still on my credit report with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX called saying they were XXXX XXXX to collect debt of XXXX that was not obtained by Toyota Financial from my XXXX XXXX. Once I mentioned I have heard nothing about this and would check with Toyota first, they put me on hold. Name of individual was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX, XXXX YOU ARE ON NOTICE OF UP COMING DISPUTE with XXXX You equifax and XXXX are claiming validation when no one can get any documentation { wet ink signatures and the information enclosed } also address the HIPPA violation that XXXX sent to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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 need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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 need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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 XXXX Account # XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A teacup puppy was offered for sale for {$600.00} on XX/XX/XXXX. I paid the purchase price asked, which included taxes and fees. I paid a total of {$620.00}. Later, they wanted more than double the purchase price for me to receive the puppy  via air transport. When I declined and asked for my money back there was no response. XXXX XXXX XXXX is the name of the website. They still have the same puppy  named XXXX listed for sale. All I want is my money back. I have also messaged XXXX at Paypal twice with no response. His name on Paypal is XXXX XXXX XXXX. Fortunately the purchase was through my XXXX XXXX and not my bank account. Beware of these scammers at XXXX XXXX XXXX advertising teacup puppies!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15
Company: TCF NATIONAL BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2019 I sent a payoff amount of {$44000.00} online thru XXXX XXXX XXXX XXXX to Gateway One Lending and Finance. 

Today, XX/XX/2019 when I try to log into my account, it says that my account # is not valid and that my email address is not valid. 

Now I have no way to access my account information and I don't know if/when I will receive the title to my vehicle. 

Thank you for your help. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX the original creditors, of these debt collection agencies were made aware that the accounts were fraudulent due to identity theft. They were open and used without my knowledge. Once I found out about them I made a police report, as well as an FTC report. The original creditors stopped trying to collect the debt after they were made aware of this through the credit bureaus as well as me, providing them with a police report and an FTC report. These Debt collection agencies seek to collect the debt that was originally discharged as identity theft. As of XX/XX/XXXX, these debt collection agencies have also been made aware of the identity theft, and have been provided with the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY 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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. XXXX  has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.

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 2019-10-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
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 have called XXXX to remove fraud from my account and they transfer me over and over again and the fraud department tells me that my information is not good enough. They tell me that even though the dates are wrong on the lease and there are made up numbers on the alleged formal debt letter that I still have to pay the {$8500.00} the debt collection company has now tried to collect from me. I have tried to report the creditor and this company said because they don't answer there is nothing that can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for this collection on showing on my credit report. I am a victim of identity theft and need this collection REMOVED. I never paid on this collection because I didnt recognize this account. I have no knowledge of this account. Please remove immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$980.00}

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 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company is reporting false late payments.

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 2023-05-24
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident and was taken to the hospital the debt that they are trying to collect from me was covered by my insurance and was paid in full. i was not seen at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation