BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy  of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-08-10
Company: Experian Information Solutions Inc.
State: NM
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:
When I investigated my credit report, I realized that some of the information was erroneous. There is no name associated with this file & needs to be deleted due to inaccurate information XXXX  ( Original Creditor : 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 2023-04-11
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Sequium Asset Solutions and requested validation of the debt from XXXX 3 times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
Credit bureaus is in violation of the United states Code 1692g. I was not contacted in writing 5 days prior. Please remove and block fraud accounts from 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 2019-08-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a secured loan at One Main Financial in XXXX OK. I have previously had a loan with this company in another state and was never denied for a loan. This loan was recommended based on my credit. They first said my student loan debt was too high. I added my husband. They then denied stating my credit score is too low. This loan is supposed to be for those with low credit scores. I believed they denied me based on my race being XXXX. They also denied my son stating his income was not high enough when he also previously had a loan with this company in another state with mo problems and his income was even lower at the time. I believe there are unfair loan practices at One Main Financial in XXXX Ok and I would like to know their rate of approval for minorities. I was seeking a XXXX to XXXX dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2023-08-10
Company: Experian Information Solutions 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:
I got inquiries that are inaccurate and need to be removed from my report asap!!

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 2020-10-23
Company: Square Inc
State: TX
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 signed up for a monthly subscription with XXXX for roughly {$15.00} I immediately noticed the service did not work. And contacted customer service to make a resolution. Once I realized its the site error I requested a refund at what point I noticed I was overcharged. They charged me {$120.00} I did not receive a receipt at sign up or cancellation receipt. I am only able to screen shot the actual website showing I have deactivated the service and still have my card details on this site despite me asking them to remove them. This company is fraudulent as they are not providing the service they advertise. They are refusing to refund me the Yearly subscription they charged me for or adjust it to the monthly subscription I opted for.

I attempted to contact cashapp who has lead me down a long road asking for receipts when they have the information clearly listed on their transaction history. I am not able to provide anything more than the screenshot that is available to me. CashApp a subsidiary of Square Inc. Is not able to help me with this transaction. I am not even able to contact anyone by phone only email which is taking days to resolve. And at this point I am at a dead end as I do not have a receipt because this transaction was fraud therefore I am being told I can not be helped.

CashApp Customer service is not making any attempt to resolve this issue where my account has been overcharged. Only asking me for information they already have in their system. I just want this charge reversed I have attached a copy of the transcripts with XXXX, CashApp, and the Card they still have on file that I want deleted as I am afraid of more unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Chime Financial Inc
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I requested help canceling outgoing funds transfers of {$1500.00}, $ {$1200.00}, and {$1200.00} that were sent as part of a scam from XXXX. This company was Chime banking. I was told it was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: BTH Management
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:
XXXX are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.

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 2019-08-13
Company: SELECT PORTFOLIO SERVICING, 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: Old information reappears or never goes away

Complaint:
Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a credit card with XXXX 's that was opened in XXXX. XXXX Charged the account off and sold it to a debt agency by the name of Resurgent. However, both XXXX and Resurgent were reporting to the credit agency. One, under credit cards and the other under collections. I've never received mail correspondence from Resurgent about this account and as of XX/XX/XXXX the balance has gone up, when it was a different amount just a week ago. The balance owed has gone from estimated {$2100.00} to now {$2400.00}. I have no idea why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled a copy my my credit report and i noticed a collection account that's not mine. I asked the company to verify the account according to the FDCPA and to send documentation of the account showing any contract or signed document and they sent a bill or summary inwhich that is not a Validation of Debt. 

Company Name : CCS COLLECTIONS # 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 2018-02-19
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
early XX/XX/XXXX we were told by loan depot rep XXXX XXXX that we were pre approved for a mtge and would close XX/XX/XXXX we did close mtge funded XX/XX/XXXX the new mtge docs said that the first payment was due XX/XX/XXXX. so we did not make our XX/XX/XXXX payment to our existing mtge company. on XX/XX/XXXX loan depot decided to defund the mortgage leaving us now 30 days behind on our mtge can they do this 3 companys were involved XXXX XXXX XXXX XXXX XXXX and home depot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates ( XXXX ) called looking to collect a debt from my now ex-wife. I have absolutely no debt so I have no doubt that the calls are not for me. 

They have called me from local numbers and the one listed above. 

I have told all 3 callers who I am and to remove me from the call list. Today was the 3rd call. 

I do not associate with my ex-wife at all. None of this debt is mine. The number they call me on is one I had gotten after the divorce. 

This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount 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 2021-05-14
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect a debt that is not mine. Failed to respond to XX/XX/2021 request for debt validation. 45 days have passed as of XX/XX/2021.

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 2019-08-13
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I received a text saying my Netspend debit card was used at an ATM and withdrew {$43.00}. I immediately called the bank because i had my debit card in my possession. By the time i got to the prompt to stop my debit card, the thief had took 9 {$43.00} transactions at a XXXX XXXX ATM machine in a XXXX XXXX. I had the customer service rep to stop the card and mail a new one. On XX/XX/XXXX i went to file a police report with the XXXX Police Dept with Officer XXXX and my police report number is XXXX. My claim number at Netspend is # XXXX. I was told by Netspend i could get a provisional credit of {$400.00} but i had to send them dispute paperwork which i emailed to them on XX/XX/XXXX. I did everything i was suppose to do and Netspend had until XX/XX/19 to give me the provisional credit and they emailed me on XX/XX/19 saying they will not be giving me any credit. Im so so upset because i have been with this company for over 6 years, i have my direct deposit going to this debit card but they are treating me like the thief instead of the victim. I provided everything that they asked me for and yet in still they are treating me as though i did this myself. Their exact reason that they have on a message on their site for my account is the pin for the card was not changed prior to the period for unauthorized usage and no declines for insufficient funds so the person making the transactions had inside knowledge of the account balance. This is crazy because they did 9 {$43.00} transactions and by the time i was able to get through the prompts on Netspend customer service line to stop this debit card, i only had {$100.00} and something dollars left in my account. I'm so upset because i need my {$400.00} and i'm upset because i have been with this company Netspend for years and this is how they treat their loyal customers.

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 2017-12-22
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the debt collector, TELERECOVERY, via certified mail due to them have reported negative items on my credit report. I sent a letter to them and have given them over 30 days to contact me. The letters I sent to them asked them to validate the accusation and to send proof of what they are reporting. It is my right to ask for validation about any accusations concerning a debt. I let them know that it violates FCRA 15 U.S.C. 1681i, all unverified account must be promptly deleted. It is damaging my credit worthiness. 
TELERECOVERY, medical collection balance, {$110.00} U.S. certified mail tracking # XXXX XXXX XXXX XXXX XXXX ; mailed off XXXX/XXXX/XXXX, delivered 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 2021-09-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My can was repossessed on XX/XX/2021 in the middle of the night from my neighbors parking spot. I was not give any warning such as certified mail or phone call stating that the car payment was overdue because I received a new debit card. My former debit card had false charges. The company, Ally, never sent correspondence or it was sent to the wrong address, In addition I offered to pay {$2000.00} dollars out of the {$2000.00} that was owed and they said that was unacceptable that the full amount had to be paid. I lost my job due to COVID and have been diligently looking for employment.

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 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..

Company response to consumer: Closed with explanation