BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: VA
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:
Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX ( multiple ), XXXX XXXX ( multiple ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit 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 2019-03-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/19 I sent an international money transfer of {$260.00} through Moneygram at a XXXX location. On XX/XX/19 the receiver my stepmom went to pick up the transfer and was told it was returned. I contacted moneygram and discussed in details the receiver and the reason for sending and was told that there is nothing they can do as it was returned at random based on their financial policies. I asked for the matter to be escalated as the money is for medical expenses for my father but the agent refused and said there is no other point of contact or nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX billed for the wrong amount. This should have never been sent to collections - I never owed {$2300.00}. I provided payment information at the time of service and this was supposed to be submitted through my insurance and then charged. After several months I was finally able to have someone at XXXX fix this error and bill me for the correct amount which was paid in full. 

This entire account needs to be removed from my credit report immediately. It is impacting my ability to refinance my home and the derogatory mark that was added in error and has led to multiple other revolving lines of credit that were in good being cancelled. 

Please remove this account. It should not be reported as a " paid collection '' as it should have never been a collection in the first place. It needs to be removed entirely.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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:
My lease was up in XXXX and I decided to purchase the 2020 Hyundai XXXX. I sent the check to Hyundai on XX/XX/XXXX ( {$12000.00} ) and they cashed the check on XX/XX/XXXX. They sent the title in approximately XXXX XXXX later but failed to send the lean release. I can not register the car in my name until I receive this release. I have been in contact with Hyundai Finance for over a XXXX now and XXXX XXXX I'm told its being processed and will be mailed in XXXX XXXX XXXX XXXX. I call again, and am told it will be mailed tomorrow and I'll get it in XXXX XXXX XXXX XXXX. This has been going on for XXXXXXXX XXXX and still can't get an answer when I receive the lean release. I don't know where else to go to get help. AT this point i'm ready to get my lawyer involved. Any help you can give me would be appreciated.

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 2020-02-01
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( 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 2021-05-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$3000.00}, {$2800.00}, {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since my crytocurrency accounts for XXXX, XXXX, and Coinbase were all hacked in XX/XX/2021. My currencies were stolen and redirected to an unknown hacker. More than $ 100,000+ could have been profited if the theft did not occur. I've made a police theft report and provided the reference number to all three crytocurrency platforms. I've been trying since XX/XX/2021 to regain access to my three accounts. I've sent all required documents/information that these companies headquarters that were requested, and now all accounts are locked. I've sent a copy of my XXXX, DL, and made a LIVE VIDEO with me holding my ID as instructed by these companies in verifying my identity. On XX/XX/2021, I made a faithful attempt to recover/regain access to my account, in which I drove over 32 hours to XXXX XXXX, CA with hopes of speaking with someone directly. Although, XXXX address look-up locations provide you with a address & phone number of each company headquarters, but unfortunately, all three companies headquarters are only empty buildings and mailbox locations. I took several pictures as proof for my records of the locations for XXXX, Coinbase & XXXX  that I visited during my trip. As of today, I've been unsuccessful on gaining and reclaiming my accounts. It is important that I claim my funds, so that I can secure the things that I had originally plan. I would appreciate your assistance in this matter as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I downloaded paypal for an app to transfer money to paypal, but i realized that i didnt reach the age requirements and my money is stuck in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Experian Information Solutions 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:
As of XX/XX/2021, Experian, XXXX and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX Experian - 2 late payments XXXX  - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX Experian - 3 late payments XXXX  - 1 late payment XXXX XXXX - late payment XXXX XXXX XXXX XXXX  # XXXX Experian XXXX 5 late payments XXXX - 2 late payments XXXX XXXX XXXX 1 late payment

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 2017-09-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call today from a collection agency on behalf of Old Navy. I have never shopped at Old Navy, nor would I. I certainly did not apply for an Old Navy credit card. This is the result of some form of fraud, and if this is reporting against my credit, I will insist that all such reporting be removed as this is unfair. My name is XXXX XXXX, phone # ( XXXX ) XXXX. I have never gotten any information on this debt previously from Old Navy, just the collection agency. Apparently this debt came from 2013.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: MA
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:
Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!

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 2019-03-05
Company: EQUIFAX, INC.
State: MA
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:
Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from CBE Group in an attempt to collect an alleged debt without my authorized consent dated XXXX ( Breach of US Code 1692 ( a ) ). I also received a number of phone calls in efforts to collect an alleged debt on. the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021 without my prior consent ( Breach of of US Code 1692 a,, b, c, d, e, and f. 
I have since communicated with said company verbally via telephone and written via US registered MAIL # XXXX XXXX XXXX XXXX XXXX sent XX/XX/2021 about their Unfair Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was allegedly accused of owing the amount of {$1000.00}, on XX/XX/XXXX. The name that the billing statement was made out to is not my name. I sent a debt validation letter on XX/XX/XXXX and I received medical records with the same incorrect name. I also never signed a HIPPA form authorizing them to have access to any medical information of mine. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020, I was scammed {$200.00} by someone through cash app. I reported it and requested refund. But nothing happened. I did not get refunded and the scammer still has cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent Bay Area Credit Service a certified validation letter. I asked them to send me proof that I owed their company money. On XX/XX/XXXX, they sent me a letter stating I owed {$1000.00}. After looking closer at the letter I noticed it was an incorrect name and address. The name was XXXX XXXX. The company sent me the wrong information included with my patient care report Not only has this company violated HIPPA, they have also violated the FDCPA. I have responding to Bay Area Credit Service with a certified letter dated XX/XX/XXXX demanding that they remove the erroneous item from my credit report and the company cease and desist any and all collection activities. Depending on the outcome of the collection agency 's response, I will make the decision to contact the patient whose record I was received without her authorization. This is a clear HIPPA violation to send a patient 's records without HIPPA approval. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
During the last decade, account was charged for not having a minimum amount. Account was finally adjusted to avoid charges. Account was also breached by unknown party using stolen identity. Account was adjusted and finally all accounts were closed.

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 2021-05-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since XX/XX/2020 I have sent Navient Solutions LLC {$9700.00} towards my student loans as part of my repayment of the money I still owe for college loans taken out 12 years ago. I have struggled with making on-time payments in the past and have made sacrifices so that I could get my credit back and begin to pay them on time. I have found it troubling that with sending almost {$10000.00} to them, my balance never seems to lower. After looking at how my money is being used, only {$1900.00} has been applied to my principal balance. {$7700.00} since has been set aside to pay interest. 
I am reaching out to see if there is anything you can do to help bring some balance to this transaction. It is an absolute shame that this is allowed to happen and I'm sure I'm not the only person that is suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!

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 2019-03-05
Company: Nelnet, Inc.
State: MA
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:
Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from XXXX! Well past the 7 year minimum for reporting on my credit. When I call Nelnet or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from XXXX  ( 15 years ago!! ) I have called Nelnet countless times and have sent letters asking Nelnet to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. Nelnet just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!

Company response to consumer: Closed with explanation