BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
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: Account status incorrect

Complaint:
I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.

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 2018-06-08
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I have reached out to Credit Acceptance over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that credit acceptance was reporting that account as a collection  account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until credit acceptance updates my report to reflect my account paid as agreed.

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 2019-07-15
Company: La Casa Bonita Investments
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was contacted by 1file.org to consolidate my student loans and pay {$30.00} a month for 10 years and they would be all paid off. I was then contacted by XXXX XXXX ( US dept of education, ) that I was most likely scammed and that they have not been receiving payments for my loan by 1file.org.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7  MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********

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 2021-04-07
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:
HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7 MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********

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 2019-07-15
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Im reaching out to u hoping u can help me on XX/XX/XXXX th of this yr I was a victim of a scam, yes I made a mistake and yes I was naive I looked on XXXX XXXX for a dog I found one and contacted the seller, oh he played his role well and I fell for it hook line and sinker, the dog was XXXX he told me to go through XXXX to send the money and I did he said the puppy will be shipped and it was free shipping like I said I was naive and I thought everything was ok, well when he got the money I got a email from the dog delivery service that I needed to pay XXXX to ship the dog in a climate control crate I thought all my XXXX I have been scammed well u can probably figure the rest I couldnt get a hold of the ph no that came on my ph was XXXX Maryland I so need my money back if there is any way u can help me I will dearly appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021, the IRS deposited some funds on my navy federal checking account, but navy federal only deposited {$1400.00} instead of the {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a collection on an account with a {$0.00} balance due. This false reporting of collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX & Experian has different information regarding this charge off. This account was closed twice once in XX/XX/XXXX and XX/XX/XXXX according to Experian. XXXX only has record of it being closed once. I'm not sure if they both have the same charge off date but Experian reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.

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 2020-08-21
Company: Model Finance Company
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Vehicle was repossessed a few years ago. In the state of XXXX the finance company must send do a few things. First is let you get your personal belongings out of the vehicle, which they did not. You also have your right to redeem the car. your right to reinstate the loan. If the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. 

The creditor Mailed information to a wrong address. They mailed a letter to the address they picked up the vehicle, not the address on our contract. I asked them why they changed the mailing address and they have no record of why they changed it. I have proof of the mistake they made. My address was located in the city of XXXX. They mailed it to XXXX XXXX which was returned to them. I will attach copy of the letter they sent me with the wrong address on it. If you request a copy of my contract it will have another address listed. This should be deleted from my report since all the notice they sent was to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
turned over to my credit report to XXXX XXXX  2000 judgement called Jefferson capital systems and its not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Worldwide Processing Group, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, who identified themselves as Forward Movement Recovery, has been calling me dozens of times per day for an alleged debt that is at a minimum of 12 years old, for a pay day loan that I do not believe I ever took out. It is currently XXXX and I have received 3 calls so  far today. And now my dad says that he is getting repeated calls from this company every day also. I am XXXX years old. I just talked to 2 different people from this company, one that hung up on, and one that was so rude that I gave him a piece of my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-06-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMSHER COLLECTION SVC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PNC bank has cancelled ties with XXXX and XXXX. This is severely handicapping my ability to send and receive funds and buy and sell stocks. Please help resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
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:
These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan is funded on XX/XX/20. 
As of today XX/XX/20, the lender to be paid off is not showing paid off and the new lender did not send a closing statement nor showing any escrow balance on their servicing site. 
Send multiple emails requesting a final closing statement and did not receive one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: POPULAR BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened savings account on XX/XX/XXXX with XXXX XXXX and was not given any indication that access to my money would be limited to no access at all within 60 days of account opening. Set up a transfer to transfer money on XX/XX/XXXX from my Popular account to my external bank ( same account that funded account at Popular ). Transfer failed. Called XXXX XXXX and they said they limit access to all accounts during first 60 days and only way to access would be to send them a bank statement to prove account ownership. Otherwise there is no way to access my money. Spoke to a supervisor XXXX who said that's how they do things. Transfer to external account from my Popular account on Popular 's online banking is also locked. How can a financial institution lock access to account holders for 60 days unilaterally and across the board as a policy? Absolutely ridiculous ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received collection letter on XX/XX/2020. 
I sent the Debt Collection Validation Request letter back on XX/XX/2020 which is within the 30 days response time frame. 
I did not receive any response from MRS BPO , LLC They are trying to collect the debt that is not mine. I do not owe this debt. 
I asked them via letter to provide me with the evidences that the debt is mine, but I did not receive anything back. 
And now, collection is appeared on my credit report and my almost perfect score was damaged by wrongfully claimed debt of mine. Amount is only {$94.00} but I do not owe them anything. 
Because of this false attempt of collecting debt is hurting my credit score.

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 2022-08-10
Company: EQUIFAX, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX reporting the account type as Open, while XXXX and Equifax is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and Equifax are reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 feel it's unfair that transunion to not respecting nor following laws. I have reached out the them regarding XXXX card ending in XXXX. I have request a signed contract they have not complied I also have reached out to XXXX all i got back was a summary of charges. This is ridiculous

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 2018-02-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had phone conversations and exchanged e-mail trying to resolve.  Chase refunded a credit balance in my account that amounted to $XXXX on XX/XX/18.  This credit showed up the same day I made a $XXXX  payment on the account.  The problem is that I was not contacted, the check was sent regular mail and they said it's because of the length of time the credit balance was reflected.  Note that the credit balance on the account, if any, fluctuates monthly so can't see how that might be but perhaps it's a regulation they have to live with.  In any event, why would they send me a check one day and on the same day I made a payment?  I'm now out the $'s as I have no access to the funds.  Have no idea when the funds will get here and they said something about a wire but that was like a week after stop payment on the check is issued.  The have taken control of my $'s, made no mention of it to me and are holding my $'s.  I believe the account would require me to pay 18% interest on  more so would expect that interest paid to me along with immediate access to the $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I paid mY Macys account in full XX/XX/2019 I also made my monthly payment before I paid it in full XX/XX/XXXX. I paid XXXX my account credit limit was 1,000 they decrease my limit to 300. Its paid in full and they still have not reported it to the 3 bureaus o called and they told me another department handles that and I could t speak to them. This is clear sabatoge decrease my limit then I pay them in ful they dont report it. Shows I have used 96 %. Of my credit to keep my score compromised. I want it report as paid in full on all 3 reports

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 monetary relief