BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020, I went to money grand facility located in XXXX NY XXXX to sent XXXX dollars to XXXX XXXX they charge me XXXX dollars for the transaction, unfortunately, the person I sent it to the name I put down was not the same as the ID they had. Usually in my country, they use two first names, middle name, and two last names.I called money grand at XXXX approximately XXXX XXXX in the afternoon on XX/XX/2020, and one of the representatives told me that I need all the information. Again I call at XXXX in the afternoon and the representative told me that she will give me a code number, with that code I have to go back to the Moneygram site to make the changes. The representative told me I wouldn't be charged a XXXX dollar fee again. At approximately XXXX XXXX in the afternoon I show up at MoneyGram with the code to the same women who made the previous transaction for me and she said that in those countries they using 2 names and 2 last names. I told her that two days ago I send like XXXX dollars to the same person and it was not a problem maybe it is because of the amount of money. Finally when the teller changed the first names and last names she told me is XXXX dollars more. I respond to her does not fare beacuse I already paid XXXX dollars for the transaction this is not the first time happen to me in other instances they just change the names and that it all.I have also clarified that this XXXX XXXX conect you to representatives located in XXXX  or XXXX . I try to explain to them several times and they not understand my position.As a resident of the United States paid XXXX dollars extra is not easy paid extra for changing a name, I am not a rich person we work hard to make money and pay our bills.I told those people from XXXX XXXX to conect me with customer services in the USA but nothing they can do about it. I need my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax, XXXX- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to Equifax, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a couch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2019. Acct. # XXXX. 

I have been making payments on time for months but was never told about the interest being 270.22 % even with making on time payments. I feel very mislead and want to file a complaint to get my money back the interest is extremely unreasonable. I was never told by the store owner that this would cost me over {$2700.00} for a couch that was originally {$800.00}. The couch is falling amount and very poor quality. I want to know what my options are to get me money back for the outrageous interest and all principal I paid to date. I'm willing to give the couch back and for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated harassment and home visits from Scott & AssociateXXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT RESOLUTION CORP XXXX XXXX  XXXX XXXX MO XXXX Acct # XXXX Amount : {$280.00} Dear ACCOUNT RESOLUTION CORP, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability & Accountability Act  ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent via CFPB, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i can't open a bank account or cash checks

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 2019-08-05
Company: ENCORE CAPITAL GROUP INC.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried on numerous of occasions to first, find out what debt this is ; secondly, educated to them that this was caused by Identity theft. I have produced countless letters from the Bank itself as well I mine, to include a claims submission in the regards of " Midland Credit Managemnt , Inc Telephone Consumer Protection Act Litigation Settlement. 

I was robbed at a gas station in XXXX XXXX, KY ( police report was filed ) in XXXX. From there, my banks accts were taken and numerous of accts and credit cards were opened in my name. All were dismissed, closed and fraud alerted ; except this. I have proved time and time again that this is a fraudulent account. I was divorced in XXXX, and closed every credit card down that me and my spouse had as well as any joint accts. I bank with XXXX XXXX  and have been since my return to the US in XXXX of XXXX. This company and XXXX have REFUSED to tell me what this is, ( either an acct opened or a credit card ) REFUSED to provide documents, but only have said this is a XXXX  XXXX XXXX deal. I have called XXXX XXXX XXXX and have letters stating I have NEVER had an account or credit cards through them. They have SENT letters to me as well as to Midland Funding, LLC and XXXX. They BOTH say they have never recieved. Last year, they literally garnished my bank acct, and my daughter 's, I had to fight to get that back as I am a single parent, and that had funds for rent, bills and food, ( see Claim of Exemption letter ).  I have resent NOTARIZED papers they have sent me regarding the fraud acct, as well as the letters from the bank. They are now trying again to garnish my pay on something that IS NOT MINE, never was. 

This is harrassement, added stress, has my job in jeopardy, these are the points that red flag this : The second page that has the notary signature says that judgment has been entered. 
-Has a court judgment been made? 
-South Dakota Codified Law 21-18-3.1 states that " Garnishment prohibited before judgment. Garnishment prior to obtaining final judgment in the principal action is prohibited. 
-The document has a Court File No. however there is no indication that the document has been filed with a court ( such as a clerk of court signature ) This is a list of all the facts of my case : -Victim of ID Theft -Have filed an ID Theft Affidavit with Midland -Filed a claim of exemption -Past actions have been released -Unaware of a judgment -Attempting to Garnish without a judgment -past the statute of limitiations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
on XXXX of XXXX we did a repair on a customers vehicle that totaled {$6600.00} on XXXX of XXXX I received a dispute letter from merchant services in XXXX  md. that stated I was being billed back for {$4900.00} because customer said the parts we put on failed so  early that we probably did n't put the parts on the customer paid for so I filled out the dispute letter with the invoices for the turbocharger from XXXX in XXXX mt. for {$3800.00} and the invoice from the charge air cooler from XXXX XXXX in XXXX mt. for {$1100.00} totaling the {$4900.00} about a week later we got refunded the {$4900.00} and  I thought it was done but on XXXX of XXXX I received another letter from merchant service that stated the {$4900.00} was pulled out of my acct again with another letter that stated this disputed transaction can not be remedied since you failed to respond to the request for additional information well I never got another letter from XXXX XXXX so I called customer service and they told me the case was closed because I did n't respond to the second letter I told them I did n't receive the second letter they basically said to bad we mailed it not our fault case is closed chock it up to the cost of doing business I was so mad I could n't believe she said that I asked to speak to a manager and was rudely told the same thing I asked them what proof they had that they even sent the letter they said we mailed it to youre business on regular mail not certified or emailed or faxed if it got lost in the mail that 's not our fault but apparently its my fault I feel this is wrong the parts put on the vehicle carry original equipment warranty and should have been handled as such if they had another failure I was not contacted by anyone on this repair except for once the customer called and said he was having a problem in Utah and I told him to take it to a XXXX certified dealership for repair I do n't feel I was treated fairly in this case as I never had an opportunity to respond to the second dispute plus if the mail lost it why do I have to absorb this cost XXXX XXXX  XXXX XXXX XXXX XXXX md. XXXX XXXX case # XXXX XXXX XXXX repair XXXX mt.

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 2020-02-19
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated harassment and home visits from XXXX XXXX XXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Transfinancial Companies, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discovered my credit report XXXX TransUnion, Experian, and Equifax XXXX all displayed a collection amount of {$250.00} that was opened on XXXX XXXX, XXXX. Original creditor is XXXX XXXX. Having no knowledge of this account or what their service even is, I disputed this collection with all 3 bureaus in XXXX of XXXX and it has been removed from XXXX and XXXX. However, XXXX suggests the collection is indeed mine. I have never received documentation either via mail and no attempts to collect via phone either, leading me to believe that this company does not have my contact information which would suggest I have no relation to them and do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Beginning in XX/XX/XXXX until XXXX 2017.

My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CNG FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is falsely reporting an account on my XXXX credit report. Portfolio Recovery Associates lists account XXXX on my credit report for {$760.00}.  Under " Type of Loan '' it is listed as a Factoring Company Account, however, Portfolio Recovery is in fact not a factoring company. This is resulting in the collection being listed under " other accounts '' on my credit report rather than in the " collections '' section, which is an incorrect classification. This is a violation of the fair credit reporting act. This complaint should not to be construed as an acknowledgment of liability for this debt in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a debt in my credit but Ive tried to pay for it. But The collector says they dont Have anything open for me. Im bit sure what the collection is for, but its {$70.00} and I want it it off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation