BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: Receivables Management Partners, LLC
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:
I paid my balance to RMP collection last XXXX. During payment receipt they said they will delete the collection from my report. Seemingly they never did. I called them few times again and they have been telling me they sent the request again but Transunion still showing the collection. Because of this I am not able to take out new mortgage. 

There are few accounts ranging from XXXX to XXXX dollars. One of the account is XXXX On XXXX it shows up as RMP SERVICES LLC # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX It does show account paid in full, but it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I did not receive disclosure agreement until 10 months after funding. The interest rate on same is 99.75 %. I have called Loan me on several occasions to state that this rate is predatory and undisclosed to me at funding. I have also read all the legal findings by CFPB and the courts as to the activities of this company, its owners and all the related companies I have requested the rate be reduced to legal limits. 
I AM XXXX years old and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: ROCKFORD MERCANTILE AGENCY, 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: Personal information incorrect

Complaint:
Incorrect personal information and billing. 
Incorrect phone number. 
Incorrect address. 
Incorrect ethnicity. 
Incorrect age. 
Incorrect name. 

For bill amount of {$2000.00} XXXX XXXX started XX/XX/XXXX This is now effecting my credit score. 
I have given multiple attempts to dispute charge and call/email company to resolve this matter. 

Last attempt to call company was earlier this evening @ XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square recommended that I close my cashapp account to resolve a card attached error and then subsequently banned me from the service. I was never told why. No transaction issues. The forward a copy of their tos and close any ticket that has been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Lost job during Pandemic and XXXX XXXX issued a State of Emergency. Applied for Unemployment and did not receive any  payments until the end of the month. I have a Judgement that I have paid religiously since XXXX every month for XXXX dollars. Since my money was reduced drastically, I still continued to pay at least XXXX dollars a month, just to keep going and just not pay. I finally get a chance to get mail today and the XXXX County District Court placed a judgement on me. Instead of the XXXX a month, they now want all their money, and I am unemployed. I tried to work it out but they both refereed me to each other and would not make any attempts to discuss alternatives. This is illegal during the State of Emergency and should be exposed to other hard working  Americans that want to work. I am officially filling an Appeal in hopes that this can be reversed. 

I have all necessary communications from XXXX XXXX concerning this exact topic and its predatory debt collectors. Posted by Governor XXXX XXXX on XX/XX/XXXX, " Financial institutions will have expanded lending authority and debt collection activities will be suspended. '' This is illegal and will be presented to the Governor of Md concerning this predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report per XXXX  XXXX XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macy 's store credit card. Charging me excessive late fees when i have paid on time every month. They concocted an artificial due date to be able to justify charging me late fees. I have paid more than the amount and requested a different due date and they still charge me late fees and dinged my credit report. 
They are gaming the system to over charge late fees and I have not missed a payment since I started the account. 
It is a scam to extort money from me at the risk of causing my credit score top be reduced.

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 2020-07-02
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: Old information reappears or never goes away

Complaint:
This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my report. This is illegal and I want this removed. 

XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LVNV funding LLC my account ending in XXXX was sold on XX/XX/2023 effective XXXX/XXXX/2023 placed my account with Resurgent Capital services L.P for services In accordance with the fair credit reporting act XXXX XXXX Reference # XXXX has violated my Rights 15 USC 1681. Section 602 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: LoanCare, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  subserviced by LoanCare account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over XXXX points. We were looking to buy a new home, but can't because of my current score.

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 2018-06-25
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:
I sent XXXX XXXXXXXX XXXX, The furnisher of the information and I requested that they conduct a investigation for for these items in question under FCRA Sec. 623. This accounts was charged off but still was reporting balances on both. I sent the letters off dated XX/XX/2018 requesting this info. Since, that time I have received a numerous replies, that has been filed. Now, as of XX/XX/2018, I received a letter stating " you did not indicate what specific information I was disputing '' and to contact the reporting agencies about these accounts.

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 2020-07-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: R & B Corporation of Virginia
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So the internet was used at a cabin to keep a camera and thermostat up and running. We had open an account with XXXX  that the information on card to debit from was wrong and they closed the internet on XXXX XXXX and we reinstated it XXXX XXXX paying the bill in full and other charges minus the XXXX early termination fee that should of been on the close out bill that I paid of XXXX  some dollars, then we started the new service and from what I have emails and been told that service should never of been opened with out a paid in full bill of what I thought I paid when we closed the old account. Fast forward 2 years on XXXX we found out there was a XXXX dollar charge from collection agency when I went to buy a house. I new nothing about. When calling the collection agency they had the wrong contact number and it took a while to find out it was a bill to me.. paid it that day and did not realize how bad this is impacting my credit since I knew nothing about it in two years and have no mailbox at the point of internet. I have paid XXXX  bill for the last 3 years with no problem. They admitted to a mistake says XXXX XXXX email from XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Rooms to Go has charged me {$160.00} in late fees from XX/XX/XXXX thru XX/XX/XXXX even though I have been paying the bill monthly on time, the late fees are, what's happened is they are not posting the payment on the date that im paying the bill and incurring late fees on top of late fees. The problem started in XX/XX/XXXX, until then I have had no problem, and I have had the acct since XX/XX/XXXX. My outstanding balance in XX/XX/XXXX was {$370.00} and between XXXX thru XX/XX/XXXX I have paid {$100.00} which should leave an outstanding balance of {$270.00} minus the {$160.00} unfair late fees leaves an outstanding balance of {$110.00} which I am willing to pay. Rooms to Go uses Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT phone XXXX, and Synchrony Bank  Reps are the people I have to speak with whenever dealing with the account. I also want no negative remarks on my credit report regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I mistakenly sent someone named XXXX XXXX some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to there website, although I knew this was a predatorial collection agency trying to collect on old debt over 7 years ago. 

I just have to pay them off to keep them from messing up my credit. 

I compensated TSI for the old debt originally under XXXX. 

I paid {$350.00} TSI for the debt on XX/XX/2020. 

The account number is XXXX and I was given a confirmation number : XXXX after payment in full. 

I was told the account will update the payment in 48 hours. 

I seen know change and I can't get back into the account I paid them with. 

I have all emails, snapshot and statement of payment with TSI for  {$350.00} I'm concerned about the account not honoring and indicating the {$350.00} payment. 

I experienced problems with logging into the website today to see if there was a change. 

If I honored the debt by paying in full, then hadn't this company indicated it yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a total of 4 notarized letters to Transunion requesting that the accounts on my reports that are in question be verified with proof ( signatures, contracts etc. ) or to delete them. Not only have they never sent any feedback regarding the accounts that they claim are " verified '' but they also failed to provide proof of verification. The last letter I sent to Transunion regarding this detailed that I will sue them if they leave these accounts on my report. It has been months and they are still on my account with no action or follow-up to my letters taken. I intend to complain to the XXXX XXXX XXXX  and Federal Trade Commission also if they keep these fraudulent accounts on my report. It is prohibiting my rights and they're not following law.

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried several attempts to get this removed have filed a complaint on here to the credit agency on XX/XX/XXXX on XX/XX/XXXX got a letter stating that it was a validated debt. Ot was not a validated debt. I have sent a letter to the company proof showing that the us bankruptcy court did not report a chapter XXXX bankruptcy tp the credit agency. We have asked them with certified letter to provide us with documentation of jow the os a validated debt with no luck.

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 2020-01-21
Company: EQUIFAX, INC.
State: NJ
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:
Requested for Equifax to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. 

Sent certified mail. 

Equifax didnt investigate thoroughly and verified as accurate. I contacted FTC. 

This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. Furthermore, the account is incomplete account information and by law, this shouldn't be on my credit report. I will be pursuing litigation for inaccurate information thats not been verified and personal address and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My paypal account was hacked and used for multiple charges for door dash orders across the US. I disputed this with paypal but they are continuing to report a balance that they want me to add to my account for the fraud transactions. They need to correct the account as i did not process the fraudelent orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband has received numerous phone calls from XXXX from someone named XXXX XXXX, who asks to speak to me regarding a personal matter he is handling for me. He has asked for my work number, my personal number, etc .... These calls are being made to my husband 's business phone and they are a nuisance to him both personally and professionally. 

I have no idea who this is, I have no personal matters being managed by anyone I do not know, and I would appreciate it if this individual and this company GC Services would discontinue calling my husband or any other number they have in an attempt to reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a crewed several hundred thousand miles on PenFed travel card only to find they expired them without giving me meaningful and apparent notice.

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