BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: Service Finance Holdings, LLC
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:
When I received my XXXX billing statement from Service Finance Company LLC I contacted their call center and asked for the payoff amount of my account and was told it was XXXX. I paid the full amount of XXXX through my online XXXX XXXX XXXX XXXX Account. Being that it was such a large amount the payment didnt clear until XX/XX/2020. Then in XXXX I received two statements XXXX was dated XX/XX/2020 and the other was dated XX/XX/2020 with a due date of XX/XX/2020 and a due date of XX/XX/2020 which stated total past due XXXX, total current due XXXX. On the bottom portion of both statements it stated that nothing was due. Both the statements read Principal XXXX and Interest XXXX on the far-right Column it read as follows Principal XXXX and Ending balance current Principal of {$22.00}. So, to air in the side of caution I went online again and paid the {$22.00}. Then a few weeks ago I received a letter from Service Finance stating that my account was paid in full as of XX/XX/2020. Over this past weekend XX/XX/2020 I received a notice from XXXX XXXX that my account is 30 days past due and that I have an outstanding balance of {$20.00}. I contacted the company several times but they insisted that the account was past due by 51 days. I dont understand how this could have happened and I was told by one of their employees that I would be receiving a refund check in the mail for over payment of the account. How could I be late and have a outstanding balance if I am receiving a refund from the company. I told them that I am very disappointed on how this is being handled and not only that when most companies are helping people through hardship in a time with the Covid 19 pandemic Service Finance has destroyed my good credit. My credit sore went down XXXX points I asked politely for some kind of help in this manner with the credit bureau and I was pushed aside and was told that they could not help me in this matter. I sent them a certified letter with copies of all my statements and they still wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
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 fraud alerts or security freezes

Complaint:
In 2010 I was a victim of identity fraud by an estranged spouse, now ex-spouse. I was a victim of domestic violence. I filed a police report and filed a request with the three Credit Bureaus to have a lifetime Security Freeze placed in my credit files. In the last 90 days I have had need to have an Experian report pulled to obtain housing and, most recently, to obtain employment. When the inquiry was made to obtain housing I was contacted by the landlord and told I needed to have Experian lift the freeze temporarily to get approval. I called Experian to make the request but was told that I would be charged to lift the " free lifetime '' freeze. I escalated my request but was told by offshore people that unless I paid the fee my freeze would not be lifted. To move forward with my housing application I had no other option but pay the extortion. This week I was offered a job. Today I received a call from the employer saying that I needed to have the freeze lifted by Experian to complete my background check. I now face having to pay the same extortion to Experian so that I can obtain employment. How can Experian extort money from those who were given a " free '' freeze because of circumstances dictated by law? This should be illegal and it is immoral. Please help me and many others facing this same scenario by making Experian comply with the free lift based on the laws.

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE BANK USA had a credit card open with out my knowledge. I have disputed multiple times with XXXX, XXXX  and XXXX, all times said verify, i ask multiple for the to provide proof of ownership and they never send me any proof. 
. 

Account has number XXXX Open XX/XX/2017Last paid closed XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX at the store # XXXX of the XXXX of XXXX FL. ( see Receipt # 1 ) On XX/XX/XXXX, I went at the store # XXXX of XXXX to transfer the Cell number XXXX and XXXX to XXXX, explaining to Sale Rep. that the line XXXX is not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) Then I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX and made a payment of {$100.00} for this line that was not been used or had charged minutes since I transfer the other lines ( See Receipt # 3 ). Again I told the XXXX Representative that this line was not in use, he replied that is better is I will call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX cancelled the line ending on XXXX. 

After I made all this payments, I had been notified by XXXX  XXXX XXXX that I had reports on my credit for delinquent. I suppose this was the reason for the denial of credit lines that I was applied. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, until I received the last notification ( XX/XX/XXXX ) from the office of a lawyer Maury Cobb Attorney at Law LLC.  Asking me to pay a total of {$370.00}. 

I went several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior and with a good credit record that they are affecting. 

For this reason I demand that my credit wil be repaired by XXXX and leave this abuse and harassment. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX, and Transunion certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very 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 2020-06-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send {$2000.00} from money gram to a direct deposit in XXXX ..after a trhee months of " INVESTIGATION '' .moneygram contact me to close the case because they said the money was deposited in my account in mexico but not ... i have the statements to show that never was ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Management Services, LLC XXXX | Fax XXXX ATTENTION : Loss Mitigation The REPORT OF SALE AND AFFIDAVIT OF FAIRNESS OF SALE AND TRUTH OF REPORT, recording ( XXXX # XXXX ) filed by, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX XXXX, XXXX ( loan # XXXX ), as servicer for XXXX XXXX, XXXX, to ratify this Foreclosure Sale can not ( piggyback ) ride proceed on another on lenders filing. 

Rushmore is required to obey the Maryland Annotated Code, Article Real Property, Section 7-105.1 ( c ) and the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) The Sale was not FAIRNESS OF SALE must be rescinded or, this is the ( perfect ) crime to the foreclosure process with no remedies to the borrower to avoid any endeavors of resistance of illegal foreclosure business practices/activities to forbid disavow my foreclosure Rights. 

I respectfully request that Rushmore " reaffirm '' agree to new contract term for a loan modification. 

If the request for a loan modification is not rebutted before ratification ( Circuit Court PGC, Case Number XXXX ) of the foreclosure date, it will be deemed as an act of collusion, conversion, and conspiracy to usurp the judicial process in the State of Maryland and the FHA Loss Mitigation Options guidelines. I will enforce my Rights against any and all Banks, Servicing Cos. and/or persons who violate my Rights willfully or out of ignorance of the Law. 

XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be employed to file class-action suits accordingly of all Parties, notwithstanding. 

Under Penalty of Perjury, I have examined the statement of facts presented in this letter and to the best of my knowledge, belief is true, correct and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Activehours
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had been using XXXX ( formly Active Hours ) since XX/XX/2017. The point of the app is that you take out a small loan, and pay it back in full, automatically on your next payday when the bank detects money in your account. 

In late XXXX I updated my bank account information to a new account as the one they had on file was not going to have sufficient funds to clear this amount and was in the process of changing to a new bank. 

On XXXX XXXX  removed {$50.00} and on XX/XX/XXXX they removed {$150.00} AFTER I had revoked authorization on this account and after I gave them an updated account to bill. 

I disputed it with my bank. They told me because it was an ACH debit that they could not reverse the transaction and I would need to contact XXXX. 

XXXX has no phone number to call, everything is done by message on the app. I've been around and around with them and they refuse to refund the amount that was charged in error, despite the fact they have my new bank account information. 

This has caused considerable issues for me with my bank account. I believe after I revoked authorization for them to charge my account they should have stopped charging it and used the other account I gave them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: The Receivable Management Services LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Constant threatening phone calls from XXXX concerning a supposed debt of which I have no knowledge

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 2020-06-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved into the XXXX XXXX apartments in XX/XX/XXXX and lease expired in XX/XX/XXXX. I continued to live there without a lease and new owners took over in XXXX of XXXX. They wanted me to sign another lease and I found out my husband would not be able to live there so I started to look for another place to live. I moved out without giving 30 day notice because i did not want to miss out on the place I found. I informed the apartment manager and she told me thats fine you will just lose your deposit. I also called her after I moved and let her know I was working late that day and couldnt bring the keys until the next day and she said dont even worry about it. We kept your deposit and you moved. We have a key so you are good. So I moved out the week of XX/XX/XXXX. Never signed anything after the initial lease in XX/XX/XXXX. 
I got a couple calls from Procollect a few months later stating I owed {$2500.00}. They informed it was for XXXX  XXXX  and I should call them. 
I did and they said I owed late fees and key fees and resetting fees. I told them what the manager said and I didnt have a lease and they kept my deposit and the girl just didnt say anything else. 
I disputed with procollect and they sent me a copy of my initial lease. A copy of the itemized charges but you can only see the total and an unsigned lease contract renewal. Procollect has NO validation {$2500.00} is owed to them or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Exeter finance and XXXX XXXX XXXX submitted fraudulent documents through courts and lied about properly serving me at my home when i was out of the city. I send both exeter finance a demand letter and their attorneys to remove all negative courts dockets including court fees and fines and also to remove all negative regarding to do eith this car account from c re dit bureaus. I attached proof showing their illegal tactics and how i forced them to reverse illegal court dockets. This will be my last attempt before i file lawsuit against exeter finance. They need to remove from bureaus exeter finance corp account by XXXX or i will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions 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:
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the  balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

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 2018-03-02
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:
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status.  Why would it go to charge off, after I paid the balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX XXXX  on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

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 2020-07-01
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:
1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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