BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: Carolina Finance, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018 I settled this debt with the company 's attorney XXXX XXXX XXXX ( after I had to file a CFPB complaint against them ). Recently a lender pulled my credit and this account is still showing that I owe money. They are also reporting every month as if I have missed a payment for over 2 years. I attached my email chain with the company stating that the payment was for a settlement in full and also that they received the payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Westlake Services, LLC
State: GA
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:
company is in violation of multiple offenses of federally protected consumer rights. 
company is illegally reporting on my credit report without my consent and permission. 
company has shared private consumer information without my consent.

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 2019-02-26
Company: Holst & Boettcher, LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went to county court on Thursday XX/XX/2019 and satisfied the debt owed to XXXX. through attorney 's representing XXXX ( XXXX , XXXX XXXX XXXX, XXXX ) located in XXXX, CO. according to court documentation XXXX owes me {$350.00} in overpayments plus interest, which was taken from check dated XX/XX/2019. I have yet to receive. Attorneys claim not having my current address, which is, my current address : XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem with personal statement of dispute

Complaint:
In the process of applying for another loan, my credit report showed a delinquent account with an overdue amount to a utility company in Texas. I have never lived in Texas and my last XXXX  trip to Texas was at least XXXX years ago. 

I submitted a dispute to TransUnion XXXX and the utility company - I'm still waiting to hear from the utility company ). TransUnion 's " investigation '' stated that my report is accurate with regard to the amount due the utility company. They provided no evidence or explanation as to why they think this is correct. TransUnion should be obligated to provide documentation and verification. 

I can not prove a negative - it's up to them to prove this is my 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 explanation
Consumer complaint received 2020-05-20
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received A notice of past due account from EOS CCA Dealing with a loan I supposedly received at the XXXX XXXX XXXX. All of my student loans incurred at the XXXX XXXX XXXX have been discharged due to my full and complete Veteran 's XXXX, and the amounts they are specifying that I " received '' in the letter, I never have and have no knowledge of such transactions with this company, nor the referenced company XXXX XXXX. This is a severe case of identity fraud, it can be no other option. 
I want this false account not only dissolved but removed from any and all credit bureaus IMMEDIATELY, or they will face severe civil legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I saw several transaction notifications in the morning of XX/XX/2018 on my PayPal account. I did not make or authorize any of those transactions. I attempted to contact PayPal immediately but the Customer Support was not open. I changed the password of my PayPal account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The PayPal agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe PayPal {$1400.00}. I called PayPal again the same day and asked why I received the notice. The PayPal customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the PayPal account still shows - {$1400.00}. 

Whenever I try to call PayPal customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to PayPal customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: NC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART  PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dishonest behavior on part of Bank of America. 

I'm entitled to {$300.00} bonus for opening a business checking account at Bank of America, N.A. The bank refused to pay the bonus. 

I opened a " Business Fundamentals Checking '' account with a {$300.00} bonus per a special offer for opening a business account. 
This special offer ( invitation ) was showing for me while doing online banking. 
Per the offer, to earn the bonus the following 3 requirements were listed : 1. Open a new Business Fundamentals Checking or Business Advantage Checking by XX/XX/XXXX ; 2. Deposit new money of at list {$5000.00} within 90 days of account opening ; 3. Make five qualifying electronic payments within 90 days of account opening.

All requirements to earn the bonus were completed.

A " Business Fundamentals Checking '' ( acc. XXXX ) was opened online on XX/XX/XXXX with the proper code inserted ( XXXX ). 
{$5000.00} ( a check ) was deposited on XXXX. 
Five qualifying electronic payments were completed shortly after the account was opened. 

Per my telephone conversation with a bank representative for business accounts ( XXXX @ XXXX ) on XXXX, the bonus was properly attached to this account. 

On XXXX I sent a letter to the bank asking to pay the earned bonus. 
I received back : " Unfortunately, your account doesn't qualify for the Checking Deepening Offer promotion because The account product opened is not eligible. '' Attached : Image of the {$300.00} bonus offer showing in my online banking. 
Images of the full offer with the requirements. 
Images of the online application process. 
My letter to the bank Reply from the bank A bank statement showing the type of the 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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting a account thats already been paid and deleted by the creditor I recently

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 2019-03-10
Company: FIRST ADVANTAGE CORPORATION
State: MA
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:
in XX/XX/2016 my landlord XXXX XXXX sold his 2 family townhouse to XXXX XXXX. He informed me that she was going to keep me as a tenant because he told her I was a good tenant and would speak with me about resigning with her. When she came to speak with me she told me he gave me the wrong information and that she would need me to leave. I told her I did not have first, last and security to move and I would work on getting the money and would be back in touch with her, Within a few weeks she had sent me paperwork for an eviction hearing in Mid XX/XX/2016.. This was nothing I did wrong and is making me look like I am a bad tenant which I was not. I am trying to find a new home and am being denied everywhere I go because of this being put on my credit report. I would really appreciate it you considered removing this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: OR
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 two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are XXXX and Experian. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

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 2018-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Intermittently Citigroups Citicards on-line Web site will not allow you to pay your bill at all or via a balance amount or other option. All date/calendar functions are inoperative and do not allow payment. IF it does allow you to pay, you have to use the custom amount feature. This did not allow payment of another credit card whose due date was a few hours away from being reached. This was told to me by a Citi service person by phone on XX/XX/20 at 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 2020-05-20
Company: R.T.R. Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint against this company a few days ago ; but they havent responded to my request and continue contact attempts. I am again filing a complaint and requesting the following : 1. Stop contacting me and third parties about me by any method ; 2. Identify your company by name ; 3. Identify original creditor ; identify amount of debt allegedly owed ; 4. Provide copies of itemized billing statement with service/purchase dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Bread Financial Holdings, Inc.
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: Account information incorrect

Complaint:
We have made several attempts with Ann Taylor to correct the inaccurate information on our credit report. Account was paid in full and close XX/XX/2020. However, Ann Taylor has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, Ann Taylor has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to Ann Taylor trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and Taylor reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against Ann Taylor!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom may Concern The XXXX reference number is XXXX amount of {$700.00}. 

I have no knowledge of this account from XXXX XXXX. I request that you please verify the following information to assist identifying whether this debt is valid : The account was first reported XX/XX/XXXX. 

On the following dates of XX/XX/XXXX the account was closed from my XXXX credit report and then added again. 

Also on XX/XX/XXXX the account was again removed from my credit report then added back again. Screenshots added. 


If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment made to original Creditor XXXX XXXX  XXXX on XX/XX/2020. 
The collection agency, Lanier Collection, that has the account reporting on my XXXX  profile, is reporting the debt as paid. 
This account was not sold to Lanier, as XXXX XXXX   XXXX accepted and processed the payment. Lanier should not be reporting this account as a collection account if the original owner was paid. 
Receipt was provided to XXXX  but they only updated account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: DISCOVER BANK
State: PR
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:
Im experiencing 2 fraudulent charges on my account. Discover dont want to do nothing. I want that discover lookup all the calls to confirm that i called under the 120 days period to claim a transaction from XXXX XXXX  of XXXX $ and discover dont do nothing. I have another fraudulent charge in wich discover dont investigate that is from XXXX XXXX for XXXX XXXX I was told that Ill be receiving a call from XXXX XXXX. And she never contacted me. I called she and no one answer. 

Discover is very irresponsable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I owe no one my credit is excellent Resurgent capital services XXXX XXXX XXXX XXXX MI XXXX saying I owe XXXX XXXX XXXX XXXX XXXX 2007 account this is not true. 

I have no collections on my credit reports

Company response to consumer: Closed with non-monetary relief