BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collection agency, MCM Midland Credit Management Inc, is continuing to try to collect a debt that my bank deemed to be fraud. I called the debt collection agency and explained the issue ( below ) to them and informed them that they were trying to collect a debt that was determined to be fraud by my bank. They stated that they only work for the company that hired them, and they refused to stop sending me collection notices. It has been 1-year, and they still refuse to stop sending notices. The fraudulent and unpaid bill is also listed on my credit score.n Original Creditor is listed as " XXXX XXXX XXXX Bank and MCM Acct # XXXX for amount {$270.00}. I have done my best, and they apparently have no intention of stopping the efforts to collect something. 

What happened : A friend 's XXXX-year-old daughter ordered " Beauty Cream '' for me with my credit card. I called the company within 10 minutes, and they claimed to have no record of the order. Then I received several charges on my credit card from different companies for the same order. I contacted my bank who determined that this was fraud, and prompted blocked all charges and refunded the money. It took me working with the bank for 3 months to stop all the charges since each time there was a different company name on the charge. Right after that is when I started getting the debt collection notices. I called the debt collection agency who refused to stop trying to collect even after I informed them that it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on 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 non-monetary relief
Consumer complaint received 2020-02-04
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 information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was very happy to apply American Express XXXX XXXX card because I have been a XXXX Diamond member for years and I think I can fully utilize the benefit. I applied this card on the end of XXXX and tried to get the welcome bonus at the very beginning. However, I did have two product return because I was not satisfied with the product I purchased and it was also applied with the merchant 's terms and conditions without using any Amex benefit. 

Nevertheless, I got an email on XX/XX/XXXX that was one month by the deadline of getting my welcome bonus. The email shown that I violated or abused this reward program and I may forfeit some or all points. I made a call to inquire Amex customer agent and she said that she just can't see my bonus code which means that someone from reward program department removed it. 

I think that is quite unfair. I can accept that Amex forfeited some or all my points if I failed to meet the standard of spending {$4000.00} by XXXX. However, a loyal cardholder with nine-year membership who returned his products twice should not be treated that way. If the Amex terms and conditions show that product return is or may not be allowed during the welcome bonus period, that would be okay but they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Auto Advantage Finance, LLC
State: OK
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:
Wrong amount owed to company this is a car I paid off already needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My address on XXXX transunion and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo 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 2020-02-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2020. I am a United States veteran. Moneygram International withdrew {$600.00} from my bank account ( debit card ). I was given a reference number and an e-mail that the transfer was sent. When the receiver went to get the money they stated they needed my I.D . I went in person to Walmart.  The Walmart agent called Moneygram to verify that myself, the sender, was present with my I.D . along with the receiver. The receiver attempted twice to get the money. The system crashed the first time and the second time was when it was said my I.D . was needed which a Wal-Mart supervisor verified after being questioned by the Moneygram agent. It was hours between the time I did the online transaction and the time the receiver attempted to get the money. So an e-mail could have been sent to alert me of any issues ; yet nothing was sent. Now the transaction got cancelled and I was told I would have to wait 3 to 10 days to get my {$600.00} sent to my account. I was getting the money to help my sick mother with XXXX   problems pay her residential expenses emergently and they put me in a bad situation biasly. I heard much laughter in tge background during the call. Reference number for the transaction at Moneygram is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a bank of American account last year and a few years back and they keep telling me to remove something that was on my XXXX 4 years ago. Its no longer on there the bank said it was a mistake but Bank of America still wont open the 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 2023-01-03
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is making payments on our behalf to Ameris Bank. To date, they have made 3 payments in the amount of {$1100.00} each time. Ameris should have three payments that should be forward to our new loan servicer which is XXXXXXXX XXXX Even though we have updated XXXX multiple times, they still pay Ameris Bank which no longer holds our account. There should be a refund of three payments which should be transferred to XXXX. I have made multiple attempts with both XXXX and Ameris to rectify this situation and they state payment has not been received. 

Ameris Bank was the service for XXXX and then it was transfered to XXXX thereafter. Ameris Loan # XXXX Current provider is XXXXXXXX XXXX XXXX XXXX. 

Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have had 3 inquiries on my credit that were not me Chase on XX/XX/2022 XXXX XXXX on XX/XX//2022 XXXX  on XX/XX/2022 How can I get these taken off my credit and find out who is trying to steel my indentity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES

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 2020-02-04
Company: LEXISNEXIS
State: UT
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 applied for a new phone with XXXX. They came back and said that I had a low credit score and I would have to pay more. I received a letter from XXXX with an explanation. They got their information from Lexis/Nexus. Lexis/Nexis score was XXXX. All other reporting agencies are above 800. I sent Lexis/Nexis a letter asking for documentation. They sent me a letter saying they could not find any information on me ...  even assigned me a case # XXXX. ( XXXX used my name and SS # which they gave to Lexis.Nexis and they were able to give XXXX back a very low score. ) I gave them all the information they needed. No reply. I went online and asked for my credit report from Lexis/Nexis and gave them the information again. Just received a letter asking for the same information again. They assigned me another case number # XXXX. Hence, my request to you. They are simply avoiding the issue. And it is apparent that they do not want to provide me with any information about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred the money a week ago. Pay pal has S stolen several times from. I have the screen shot where it says the money should be in there yesterday XXXX XXXX. Not there and there saying someone used my card. I want my transaction posted now and my relationship terminated for fraud and dishonesty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When trying to make a payment, UPGRADE, website would not load. This was tried on three different browsers. When I called to make payment over the phone they could not verify any of my bank accounts ( 3 ). This resulted in a 21 day past due/delinquent account. Only after telling them I was reporting them were they able to process a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Back in early 2017, XXXX stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.

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 2020-07-08
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper/Nationstar Attn : Customer Relations XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Error in processing my mortgage payment resulting in a false credit report I am writing in response to your letter disputing the errors made in my mortgage account. I hope that this letter is clear and helps address the errors in my account otherwise I will have no other choice that to pursue legal remedies to address the discrepancies. 

Your response failed to provide detailed documentation to explain how the errors were corrected and you failed to provide supporting documentation to prove your answers with sufficient clarity. Here is what I am seeking to resolve this matter before engaging legal counsel. The following are details related to my mortgage payments. What I am seeking is a documented set of examples of how these matters were processed and resolved with supporting details. Failure to provide this level of detail will result in further actions. 

On XX/XX/2019 a check for {$3300.00}. was sent received by Nationstar Mortgage ( DBA : Mr. Cooper ). Please provide a policy or statement that was shared with me in advance that states that a partial payment that is received prior to the due date will be deposited into a suspense account and will result in a late payment and reported to credit reporting agencies. 
Please provide supporting documentation that shows how the {$3300.00} payment was attributed to my account inclusive of allocations to interest, escrow and principle payments if any. The attached documentation does not show the allocation nor does it provide a documented accounting of this payment. 
On XX/XX/2019, two checks were sent on the same date in the amount of {$3500.00} for a total of {$7000.00}. According to the statement provided by Nationstar both payments were treated was one payment. Please explain why one payment was not treated as a reduction in principle only? Why and how does two identical payments get processed for interests, escrow and principle when received on the same date of the month? No notice or correction has been made to my knowledge. Please provide documentation, policy and procedures for why both payments were treated the same. 
Provide documentation for how my principle account, my escrow account and my interest account was adjusted for this duplicate payment and whether an offset to these accounts were processed in accordance to your own policies and procedures. Supporting documentation is formally requested. 
Please demonstrate how Nationstar calculated my payoff to XXXX XXXX. Supporting documentation is formally requested. 

I would like to receive an answer in 30 days. If this documentation is not received in a timely manner I will request this information through legal counsel and corrective action as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
NATIONAL CREDIT ADJUSTERS , L.L.C Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX This company reaged a old collection account from XX/XX/XXXX XXXX XXXX and added it as a new separate collection account saying it was charged off XX/XX/XXXX they are not slick

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Had a mortgage with XXXX XXXX XXXX XXXX about 10 years ago. Received an alert from Credit Karma that XXXX XXXX removed my account from my credit report and caused an XXXX points drop on my credit score. Contacted XXXX XXXX but couldn't get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
When viewing my credit report through XXXX, I noticed an inquiry from Syncb for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for care credit. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, XXXX, and Syncb.

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 2019-03-07
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls  are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. 

The most recent call came in on XXXX/XXXX/19 at 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: 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third 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 2018-12-14
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
5 purchases were made from a company through paypal. Purchases were made on XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$32.00}, XX/XX/XXXX for {$26.00}, XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$30.00}, and XX/XX/XXXX for {$30.00}. The purchase on XX/XX/XXXX was switched for paypal to paypal credit by paypal. By the time I received the late payment notice by mail in XXXX the charge for the {$29.00} item had accrued to {$98.00} with the difference being interest and fees. 
I have contacted paypal credit and requested the XX/XX/XXXX transaction to be processed through paypal as were the other transactions. Paypal has billing information needed for payment. Paypal was  contacted or has contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Each time I have requested the XX/XX/XXXX transaction to be completed through paypal as the other transactions were completed. I have told them I will not pay the interest and fees.Following the payment all accounts are to be closed out with paypal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not recognize that debt, since I paid it in full, I never received any type of payment or notification of new debt

Company response to consumer: Closed with explanation