BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 at XXXX pm an unauthorized transaction of {$1200.00} was made through my CashApp account, leaving my account {$0.00}. This was my entire VA Disability Benefits check. I immediately reported this to CashApp through their chatbot customer service in the app. I received a response from CashApp customer service on XX/XX/2021 but wasn't aware of the email until XX/XX/2021 because I was still communicating through the chatbot and was informed that an email had been sent to me. After checking my email, I realized that the questions were the same that I had already answered in the chatbot but I answered them again anyway. From that day XX/XX/2021 up until XX/XX/2021 I've received the very same email from CashApp with the same questions just from a different representative. I have been given the run around and CashApp hasn't taken any action what so ever to investigate my case or recover my money. I feel completely disrespected and ripped off by this financial institution and totally ignored as a consumer that trusted them with handling my money. They should definitely be held accountable for consumers money and replace those funds after looking into the unauthorized transaction. They didn't even look into it. This transaction could have been reversed or stopped. They are very aware of where they sent the funds to. This shouldn't have ever gotten this far. I have been evicted from my apartment and now am facing homelessness. I am a single XXXX veteran with no family or friends that I can depend on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2017-11-02
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call today at XXXX from a man who said he XXXX XXXX representing GC Services. He said the call was being recorded. He said my daughter XXXX used me as a reference so I thought she applied for a job. When he asked me what her current job title was I became suspicious and told him she was a XXXX XXXX XXXX, which she is n't. Then he asked for an updated address and I stopped him and asked who he was again and who he worked for. He complied and I informed him that I was also going to record the conversation. At that point he said he would remove my phone number from my records and hung up. I do n't know why he was calling me about my physically challenged daughter but I do see where GC Services was recently fined {$700000.00} for unlawful tactics in debt collection. Apparently the fine did n't matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Account 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

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 2017-11-02
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I filed Bankruptcy in 2017. This lady called my work a few times ( after being asked not to ) threatening me, cursing at me. She would not say where she was calling from, expect I owe and they will continue to call me and garnish my wages. She threatened myself at work on my phone and a coworker.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Global Resolution Group, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been called 3 times a day 7 days a week for 2 months from Global Resolution Group , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX Now they are contacting my landlord after I have told them to send and only speak to me by mail. 

My landlord sent this text messages .. verbatim ... ... 

Good morning. While I am uncertain how my phone number was listed, Global Resolutions phoned me yesterday and need you to call XXXX to resolve some situation. 
I acknowledged I would inform you. 


this is humiliating and wrong to tell my landlord that i need to call and call to resolve an issue. that alone is breaching my privacy. Where did they get her number to begin with sounds more like skip tracing which I thought was illegal now. 
please have them dnc her number and stop this mental and emotional abusive tactics

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 2021-07-22
Company: CORELOGIC INC
State: TX
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:
I was in the process of applying for a mortgage refi and I was on the last day for additional inquiries not to impact my score ( XX/XX/2021 ). I authorized Credco to perform a hard inquiry on this day but then there is another inquiry on XX/XX/2021. I would like the additional inquiry removed with all 3 bureaus as it has adversely affected my 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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-14
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT INC has an account on my credit that is not mine. i do not hav awritting contract to pay americollect inc. there is no valid proof i owe americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was for new service. The equipment was all returned within days of activation. The service is not supported in the area I live in - and that was not disclosed when I applied for service. I attempted to explain that to the debt collector but, they continued to call and explain I had to pay the 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 explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TX
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 Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease with Hyundai Motor Finance USA ( HMFUSA ) that ended in XXXX of XXXX. At the end of the lease, there was to be a ~ {$500.00} turn in fee, plus any wear and tear, I estimated wear and tear to be about ~ {$300.00} additional. This amount turned out to be correct. 

The issue that I am encountering has to do with the payment of this fee. I turned in the vehicle in the midst of COVID-19, which delayed the turn in until XX/XX/2020 at their request. The vehicle and keys were turned into the General Manager XXXX XXXX of XXXX Hyundai in XXXX. The vehicle was accepted, and I was told that I would hear from Hyundai as to when, where, and how I could pay my fee. 

I heard nothing from Hyundai until XX/XX/2020, that the amount was past due, and I had already been reported as delinquent to the credit bureaus. Before I could speak with Hyundai regarding the fee and where to send it, they damaged my credit. No details for payment were available online or in print. 

When I accessed their website to pay the fee, my account showed as zero 'd out and complete ... with nothing owed. I have screenshots to prove this.Months later, I get a notification from the credit bureaus that I have been reported as 60-90 days delinquent.

In the entire 60 months of the lease, I had never missed or been late on a payment. Yet, because of COVID-19 and issues on Hyundai 's side... my credit has been incredibly damaged. 

I spoke with them at the beginning of the disagreement, and they said that if I paid the fee, that they would take care of the reports to the credit agencies. That has not occurred. I tried to settle based upon their emails, but my account had been disabled.

I have made numerous calls and requests to HMFUSA to speak to someone, but all attempts at contact have failed. They will not respond to emails, phone calls, or mail. 

I have also contacted all 3 credit bureaus asking for investigation/ appealing the remarks. But this has also failed.

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 2017-10-21
Company: Auto Properties II, LLC
State: VA
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:
Hello, I am reaching out to the Virginia Office of the Attorney General in reference to making an Official Complaint against a Business in Virginia. The Company in question is XXXX XXXX XXXX XXXX. They are based in XXXX XXXX, VA. I purchased a vehicle from XXXX XXXX in XX/XX/XXXX The vehicle was repossessed in XX/XX/XXXX. The problem/complaint that I have is XXXX XXXX XXXX XXXX sold the vehicle at an auction and only reported the balance at " XXXX  '' to XXXX, the other two Credit Bureau says the account is " Open '' with a balance. 

The way I found out that XXXX XXXX XXXX XXXX sold the vehicle and cleared it out on the XXXX side-only is because I went through a Third-party Credit Repairing agency " XXXX XXXX '', they reported to me that the account had been reported as a " XXXX '' balance and Ultimately this account was removed from my Credit Report for XXXX. XXXX XXXX XXXX XXXX obtained a Wage Garnishment against me on Several Occasions and when I am " Served '', I am told by the Attorney representing XXXX XXXX XXXX XXXX that the Case has been Dismissed beforehand. Come to find out, my Previous Employer was Threatened by the Attorney representing XXXX XXXX XXXX XXXX into a Payment before the Court Date. 

I currently have a new vehicle through my bank ( XX/XX/XXXX-Current ), and I 've had it since the Account from XXXX XXXX XXXX XXXX was " removed '' from my XXXX credit report by XXXX XXXX XX/XX/XXXX. When I found out what XXXX XXXX XXXX XXXX reported and Failed to Report, I began investigating my own Credit Reports. Which led me to Filing an Official Complaint against the Business. 

I would like to see XXXX XXXX XXXX XXXX to cease any and all Collection Action against an Account that was XXXX out back in XX/XX/XXXX and I also need all the Money that was Garnished from my net pay refunded as well as the Money paid directly to the Collection Agency " XXXX XXXX XXXX XXXX ''. 

I have also got into contact with " XXXX XXXX XXXX XXXX '' to see about getting an Update on the " Account ''. While talking to the call-taker, I mentioned that I have a New Car, her mood and demeanor changed into more of a " Shocked '' personality, in a way that she did not want to continue talking to me on the phone. 

In closing, I believe I have been Scammed by XXXX XXXX XXXX XXXX and I also believe that Federal Law have been Violated. There 's a Complaint giving to the Consumer Financial Protection Bureau which created a Complaint of the Federal Trade commission databases. I look forward in speaking to a representative via phone or email that will be provided.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-21
Company: Stearns Ventures, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have been Stearns customers since XXXX of XXXX, shortly after we purchased our new home. Between the end of XXXX and the end of XXXX, our mortgage was sold from Stearns Lending to another company, and then repurchased by Stearns, which seems to be when this issue first arose. When our mortgage was reacquired by Stearns, they somehow miscalculated our PMI ( the value of which, {$190.00}, has not changed since we purchased our house in XXXX of XXXX ) as {$16.00}, despite taking out the full {$190.00} from our escrow account each month. This obviously created an escrow shortage, and by XXXX of XXXX that shortage amounted to {$1900.00}, which was then split up and added to all of XXXX 's payments, beginning in XXXX of XXXX. In XXXX of XXXX, our full mortgage payment was {$1300.00}, and in XXXX our full mortgage payment increased by over 23 % to {$1600.00}. 

In XXXX of XXXX we requested an escrow analysis, at the urging of an employee at Stearns, who assured us that the PMI mistake was fully on Stearns shoulders, and she would look into the issue for us after an escrow analysis was completed. After the escrow analysis was complete, our payment went down by about {$30.00}, but we never heard back about the cause of the escrow shortage, nor did we hear back about Stearns ' mistake in calculating our monthly payment for all of XXXX. I 've spent hours on the phone trying to contact their customer service department, which is not easy to get a hold of, and I 've spoken to many employees over the phone, and a couple over email, in an attempt to get this incredibly inconvenient and detrimental mistake fixed. I do not understand, due to Stearns ' grievous miscalculation of a constant value in our mortgage payment, why my husband and I would be responsible for almost {$2000.00} of repayment for a mistake that is not our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conns, a rent to own company in XXXX XXXX Texas, has been trying to collect a debt by a XXXX XXXX. They have called my home phone for over two years. I 've explained to them on 3 different occasions there is no XXXX XXXX at this number and has never been one. They have the wrong number and continue to call asking for payment. I have placed over 100 call numbers on phone block, yet they continue to find new numbers that I must block again. I want these robo calls stopped. I will pursue legal action very soon for the harassment. I would like to know what my options are and how to punish this company. Here are the latest phone numbers from Conns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : 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 explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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 status incorrect

Complaint:
I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. 

This isn't right and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I purchased a vehicle, the car lot farmed my SSI number for One purchase, now I have 8 hard injuries. The FTC law allows me to shop in a time frame for big purchases without being punished, Disputed and spoke with Equifax supervisor, refuses to remove. 


1. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 Auto Financing 2. XXXX XXXX, Inquiry from XX/XX/2017 Personal Loans Cos. 
3. XXXX  XXXX XXXX Inquiry from XX/XX/2017 4.  XXXX XXXX Inquiry from XX/XX/2017 5. Members First Credit Inquiry from XX/XX/2017 6.XXXX XXXX  XXXX Inquiry from XX/XX/2017 XXXX. XXXX Inquiry from XX/XX/2017 Personal Loans Cos. 
8. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2017

Company response to consumer: Closed with explanation