BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company stating they were XXXX XXXX has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my sick husband 's number and they told me that the " computer did it '' I told them to NEVER do this again explaining the stress it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not XXXX XXXX but it is Nationwide Credit XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of stress which I do not need with my husband being so ill. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.

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 2017-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
I have a series of 4 paid student collection accounts that have been on my Experian credit report for almost 9 years. The accounts have been appropriately removed from the XXXX and XXXX credit reports after the 7year time limit. Both XXXX and XXXX stated that XXXX XXXX XXXX reported that the debts could be removed as they were more than 7 years old. Experian instead changed the date of first delinquency date from XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX so they could still report these accounts. I have copies of my XX/XX/XXXXand XX/XX/XXXX Experian credit report where Experian was correctly reporting the date of first delinquency for the accounts as XX/XX/XXXX and noted that the accounts would be removed in XX/XX/XXXX. When the time can to delete the accounts from credit report, Experian changed the dates so that they could keep reporting outdated collection accounts. I tried to dispute the accounts as being too old to remain on the account but Experian stated that the accounts could not be disputed. The XXXX XXXX XXXX ( the original owners of the collections ) stated that I needed to dispute this with Experian because they had reported the correct information and there was nothing they could do. This has made my only recourse to remove these collections filing a compliant with the CFPB. The accounts in question are as follows XXXX XXXX XXXX/Student LOANS - XXXX - {$4100.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1000.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1300.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$120.00} ( Original Amount ) Note that in the XX/XX/XXXX and XX/XX/XXXX Experian Credit Report ( attached ) shows these accounts as being collectionsXX/XX/XXXX to XX/XX/XXXX. However, in the XX/XX/XXXX Experian Credit Report the accounts have been changed to appear as been collections on in XX/XX/XXXX. This changed initiated by Experian altered the date of first delinquency so the accounts are still being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Lipsey, Morrison, Waller & Lipsey, P.C.
State: TN
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:
This company/attorney is trying to refile a judgement that is 14 years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Information belongs to someone else

Complaint:
The accounts listed are not my accounts, nor did I authorize these companies to run my credit.

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 2018-04-24
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Your information states that there is no fee for purchases at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX. I was charged {$3.00} on the transaction of {$55.00} XXXX and for each transaction, there is a fee ) ; I want my money back. Why are we charged a fee when those with checks were not? 

Then I went to customer service with a line supervior to pay for my items and get more than the {$100.00} allowed at the registers. This failed. The cashier gave me a short notice of approx. : XXXX Length : XXXX inches with this information XXXX XXXX # XXXX op # XXXX TE # XXXX TR # XXXX DEBIT NOT APPROVED CALL AUTHORIZER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my First Progress Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Rosebud Economic Development Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/XXXX, {$550.00} was deposited into checking account as a loan via internet loan company XXXX. The APR as a yearly rate is 781.29 %. The finance charge for the dollar amount borrowed is {$1600.00}. The total amount paid back after all payments have been made is {$2100.00}. Within a week of the deposit, XXXX XXXX XXXX contacted me by phone exposing XXXX is known for violating the state laws for monetary gain at consumer 's expense and wanted to represent me on this matter. After doing my research, I learned that XXXX did in fact violate Indiana Statute : 24-4-4.5-7-101 et seq. through excessive finance rates and fees. I further learned the legal APR for 14-days {$550.00} loan in Indiana is 10 % of the principal equaling {$55.00} in finance and fees. XXXX 's contract ask for a payment being {$180.00} every 14 days for a term of 12 payments. The lending practices for XXXX is in direct violation of the Indiana Statute requirement for payday loans.

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 2018-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SOMETHING I NEVER AUTHORIZED AND I NEVER DONE BUSINESS WITH THIS COMPANY. ON XX/XX/XXXX XXXX XX/XX/XXXX I WAS CHARGED XXXX ON MY CHASE CARD # XXXX MY NIECE AND I CALLED CHASE CREDIT CARD ON XX/XX/XXXX AND REPORTED FRAUD WHICH THEY TOOK THE CASE AND PUT CREDIT OF XXXX ON THE NEW CARD THEY SENT ME WHICH WAS CARD # XXXX AND CREDIT WENT ON THAT CARD. I PAID BILLS WITH THAT MONEY AND THEN RECIEVED A LETTER FROM THEM THAT STATED THEY WERE TAKING THE CREDIT BACK. WHICH AFTER PAYING BILLS I SHOULD OF HAD LIKE 17,000.00 SOMETHING LEFT OVER. THIS IS SO BAD THEY WOULD D THIS TO THERE CLIENTS. NOW IM STUCK OWEING MORE MONEY. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK. I HAVE NO IDEA WHO THIS COMPANY IS WHO TOOK ALL THIS MONEY OUT OF MY ACCOUNT I NEVER AUTHORIZED THIS MONEY TO COME OUT OF MY ACCOUNT AND I NEVER DONE BUSINESS WITH THIS COMPANY. CHASE VISA SHOULD BE ASHAMED OF THEMSELF. PUTTING A SENIOR CITIZEN THROUGH ALL THIS GIVING ME THE CREDIT AND THEN TAKING IT AFTER WEEKS AND AFTER I PAID BILLS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been monitoring my credit for some time now and when I received my most recent update and it shows an account with the Department of Treasure in the amount of XXXX and I do not owe the govement anything, nor have I received anything from them indicating this. There is no open date showing nothing. I then called the number listed on the report and it indicates it's an nonworking number. This needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive had a cash app account for over a year and always use direct deposit for work and school with this account. 

I started getting unemployment in XXXX and had my checks direct deposited as well. Realizing I didnt want to keep using cash app I opened a credit union and switched my checks over to be deposited into my new account. 3 weeks later cash app locked my account and was asked to upload my ID, letter from unemployment office, social security card and any information pertaining to my unemployment even though Im not using the direct deposit through them anymore. Ive hesitated but upload all my information to them and have been contacting them to no avail. They have no phone number and do not respond. I still have over {$600.00} in my account and am occurring overdraft fees because of them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two accounts open with Capital One Banks USA. I spoke with a representative from Capital One in XXXX informing them that I was impacted by COVID-19 and I needed assistance to protect my credit. I was placed in a credit protection program and was still nailed with late payments. I called again in XXXX to resolve this and was hit with late payments again for XXXX. I spoke with three representatives, at least, to correct this and continued to be hit with late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: ECMC GROUP, 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 called XXXX many times after ECMC discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to ECMC in which I had to have this issue discharged with ECMC.ECMC resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : XXXX XXXX XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late  XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
ECMC {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on 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
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

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 2020-12-05
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had this card XXXX  when it was XXXX went out of buisness and it currently shows XXXX ( XXXX XXXX XXXX XXXX on my credit report ( s ) as closed.I didnt know this account was closed.I was never notified that this account has closed.I know i paid this XXXX account off some time ago before XXXX went out of buisness.If i was notified that this account has closed, I would have called them right away.Because its closed, this has hurt my credit score.I believe under the Fair Reporting Credit Act/consumer protection, XXXX/XXXX  was suppose to notify me.Therefore, I never received anything that this account has closed and the reasons why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609  I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX it shows 2 and the other XXXX has stated I do not owe.

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 2018-04-24
Company: PAID IN FULL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called PIF, inc several times to try to correct this and see what it is about however have been unsuccessful in doing so. I was recently served with papers from XXXX XXXX XXXX XXXX who notified me they had purchased the debt from the original person I had an account with which is XXXX XXXX XXXX XXXX. However I do not owe XXXX as they picked up the merchandise in question. And every other account I had with them is paid in full which is clearly stated on my credit report. So until this is all resolved I want this off my credit report because this is not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: MD
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 sent certified mail to Experian, XXXX and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).

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