BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-24
Company: RFNA, LP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX obtain personal loan ( {$2200.00}? ) from XXXX XXXX in  XXXX, KY. They claim I have 7.5 payments left when I went into office in XX/XX/XXXX. This loan was for 24 months. Interest is high. I pay {$160.00} a month and originally went in office to find how much of each {$160.00} is going towards the principal. They claim they would have to calculate it as their computer only shows payments made. I calculate {$160.00} for 16 months is {$2600.00} paid in, but told pay off I would need another {$1200.00} as of XX/XX/XXXX. If I had paid it off that day would of totaled {$3800.00}. 24 months at {$160.00} would be {$3900.00}, so something funny there. I would save {$71.00} interest for paying off early!. 
With this loan life insurance and an auto club was added into as well. ( have viewed comments where this is a common thing they do ) I cancelled both, and was told {$39.00} put back to acct from life insurance and XXXX XXXX. sent me a check under {$200.00} refund. But that was " cash I used '' I was told so I have a suspicion this was additional money added to loan, Then, instead of remainder of policy being cancelled out, they just added refund as additional on top. Suspicions because I am unable to get anything from them. I sent an email to their main office, ( XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, LA XXXX ) but got an email back stating : Please expect correspondence from XXXX XXXX via certified mail to the address of record. Please let me know if I can assist you further. This was on XX/XX/XXXX. 

A note, never been late, always on time, as they take out of bank acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: DISCOVER BANK
State: TX
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:
This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX Sheriff 's Report. Also attached is XX/XX/XXXX XXXX County Judgment and felony conviction for credit card abuse and references my card. Also attached is XXXX Mississippi arrest for false pretenses, forgery, and credit card abuse. This should be important to Discover. It reflects how she impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a FTC fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2023-03-09
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. National Credit Adjusters are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NC
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 act XXXX Account number XXXX and XXXX, the 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2020 my wife and I submitted a joint application for credit from XXXX XXXX through a link on website provided by XXXX XXXX in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from XXXX XXXX notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.

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 2017-12-10
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is not a duplicate complaint. In XX/XX/XXXX, i filed a complaint with cfpb ( Complaint # XXXX ) regarding my unsuccessful attempts to get PayPal to close my XXXX husband 's account and send me a check for the balance left in the account ( {$690.00} ). PayPal did respond to that complaint with a letter and a check. The check was made out to XXXX XXXX and the bank refuses to cash a check made out to a XXXX person. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX, Operations Counsel, he noted PayPal had received my letter of XX/XX/XXXX,  requesting closure of the account and a check for the balance. He stated PayPal never received documents required to close the account. He seems to have missed the paragraphs in my letter in which I wrote of my repeated unsuccessful attempts to forward the documents by the FAX number given, and request for assistance in getting the documents to PayPal. 

In XX/XX/XXXX and XX/XX/XXXX, I made repeated attempts to reach XXXX XXXX. I left messages on his phone ( XXXX ) and his cell ( XXXX ) asking for assistance in getting a check issued in my name. I go no response. I wrote a letter on XX/XX/XXXX. Again -- -no response. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: DC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
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 non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account XXXX XXXX Please resolve this manner as soon as possible thank you

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 2020-06-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was the sent a 50 page account of text and incoming/outgoing phone calls Made on the account. That said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor, no application For the account bearing my signature, no copy of the agreement between the original creditor authorizing XXXX XXXX  to collect on their behalf. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No prof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on XXXX  and Equifax. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm XXXX years old. I ran my credit for the first time XX/XX/XXXX. There's a credit card on my TransUnion account. It has a 60 day on it. It also has an open date of XX/XX/XXXX. Seeing as though I wasn't born until XXXX, I'd like to have this credit removing removed. Obviously it is not mine, nor did I give approval for my information to be used.

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 2020-04-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-10
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage loan with NewRez LLCXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. I have paid my fee of {$150.00} for appraisal to NewRez for cancellation of PMI on XX/XX/2020. My loan amount is approx $ 55k and the property is appraised at $ XXXX. They continue to delay the cancellation of {$75.00} per month with no clear explanation. I have called numerous times and spoke to countless supervisors and still as of XX/XX/2020 they have not resolved the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I requested a teller check sent to a rental property for a deposit. The funds were not received in the time advised. I followed the instructions provided by the representative and followed up again as advised because the company had not received the funds. When I called back I was told by 2 reps different addresses where the funds were sent. I spoke to a supervisor who then advised that they will not be able to stop payment and reissue funds despite their error for 90 days. I have explained that I will be homeless with my child because this is my rent money. They still have not resolved the issue. I provided the management with call details so they can review my interactions with their reps and locate my money. They still have not responded with a resolution. I just want the money back so I can close the account and never do business with this company again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, Florida, and I told the sales man that I was in need of a car. I had a trade in. I told him the I was on XXXX XXXX  XXXX XXXX Insurance and I could not afford a new car. He told me that he had one for {$10000.00}. I agreed to the price, however, without my knowledge, the dealership added a {$10000.00} warranty maintenance agreement. I was struggling to pay the monthly payments ; also, when I discovered that the maintenance warranty was part of my payment, I returned the car because I did not know and was not informed of the maintenance agreement that was on the car.

I notified GM of the issue but they reported it to the credit bureau. I has kept my credit score low and I have been under a heavy financial interest payment. 

It was the fraudulent activity by the company that caused the problem and it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSWORLD SYSTEMS INC
State: AE
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:
My XXXX is being garnished and I never received any notification of this debt or a court hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: IL
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 submitted a letter to the 3 Credit Bureaus last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Midland Credit Management continues to relentlessly pursue me regarding a debt from 2016 as best as I can determine. 
They filed a complaint with XXXX Ohio XXXX Court, and continue to demand that I answer " interrogatories. '' Midland says this debt is mine, but I have not paid any credit card debt since 2016 when I lost 50 % of my income. I can not afford bankruptcy court or to be represented by a lawyer. 
I am poor. I am a XXXX XXXX XXXX XXXX who relies on SNAP for food and HEAP for utilities. I have no assets. I rent and live a simple life. 
Midland Credit Management pursues the poor in a predatory manner. 
I filed with XXXX credit that this debt was not mine in 2016. 
I have no means to challenge them. 
These letters and phone calls come from : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}

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 2022-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I ordered a teller check for a deposit for a rental home. I called several times to check on the status of the funds as they were never received by the company. Every time I called I was provided different information regarding where the funds were sent. After multiple calls and requests for resolution I still have none. I am told they cant cancel payment on the lost check for 90 days. I was never told that they could keep my money for 90 days even if it is their error. Now I will be losing my rental home and likely be homeless with my child and have no way to recover these funds to pay my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation