BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX, Transunion and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   TransUnion or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit  bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.

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 2017-04-14
Company: Golden State Collections LLC
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am being  XXXX  hit on my credit report from this account - State Collections and also the judgement/ I called State collections and talked to    XXXX   XXXX   on   XXXX   17   @  XXXX  and she said " We only collect the payment and the judgement is a different thing and that it wont only come off or only be seen by one hit unless its paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: American Coradius International LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter of Debt Collections in the mail from American Coradius International LLC requesting a debt of {$380.00} that is now in collections from a fraudulent account with XXXX that was created in XX/XX/XXXX. My legitimate XXXX account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called XXXX on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. XXXX did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by XXXX failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that XXXX never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: World Acceptance Corporation
State: GA
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On  X/XX/2017    at  XXXX   XXXX  I went t o the drive up of Wells Fargo Ba nk to deposit a check, and cash  XXXX  additional checks. I have banked at this same bank and branch for years, have  XXXX  accounts and a safe deposit box. I presented a photo drivers license and my AT M Wells Fargo c ard. I was told by the teller and the head teller id #  XXXX   XXXX  and  XXXX   XXXX  that my ATM card could not be used as an ID because it did not have a VISA LOGO on it. I was asked to present a VISA CARD for the transaction to be completed or did I want my checks back, or come into the branch to apply for a  WELLS FARGO VISA C ARD. As this upset me first because I can not walk at times, and secondly did not understand why t he Wells Fargo A TM card was not for ID.     I have watch ed the Senate hearings about Wells Fargo tryin g to push their products, know the CEO was fired for their marketing abuses, and I know my rights as a customer. I have never received a disclosure fr om Wells Fargo adver tising the use of the ATM card not being accepted as an ID. When I asked the banking reps the reasons for the ATM card not being accepted, no one could give me an answer.     I gave my  XXXX  VISA CARD in order to complete the transaction. I want to know what the teller did with my card, did she photograph it, make a paper copy of it, write it on the back of the checks, no one could give me an answer. I asked to see the bank policy in writing again, there is no follow up or answer.     The  Wells Fargo store nu mber is  XXXX ,  XXXX   XXXX   XXXX   XXXX   ,   XXXX  , NJ  XXXX  I wrote a {$500.00}. check on my checking account, cashing a NJ Treas check for {$110.00} and deposited a company check for {$6700.00}. There are liquid funds in the  XXXX  accounts to cover these checks. transaction number  XXXX  teller  XXXX , transaction  XXXX  teller  XXXX .     Subsequently I executed a presidential complaint, received three calls from various supervisors who stated they would send me the bank policy, and no one has gotten back to me about my  XXXX  VISA CARD account number where was it dispersed, what is the teller training regarding a competitors credit card, and no apology in a letter from the bank. I want to be added to the class action suit that the bank is currently experiencing for refusing to conduct my transaction without  a WELLS FARGO VISA CARD.

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 2021-03-24
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from XXXX Credit Reporting about this item. IC collections report a debt that was found out to not be me. They had no social security information on me as well as no Date of Birth information incorrect addresses. I spoke with a XXXX XXXX Hospital RepXXXX that verified with me that they do not collect Social Security Information or personal id information. The rep. also verified for me that there are 2 dates of service totally the amount of the debt. Also confirmed for me the person the debt belonged to was a person who lives XXXX, TN. This company has harrassed my parents home phone as well as my personal phone. XXXX an Item to a credit bureau on a person that did not verify there information.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Not my accounts or inquires listed

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 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have maintained consistent payment activity with this card out of a capital one bank account. For some reason, every few months, capital one credit card puts a XXXX day hold on my card to verify payment goes through, which it always has. I have repeatedly called every few months to get this fixed and the same problem continues after XXXX months. I asked specifically why I am being targeted with this and I keep getting told it is because I make multiple payments on my card. I said it is because I do not want to pay the compounded daily interest so I make multiple payments per week and the rep told me I cant do that so they are now placing my payments on hold. Why should I be paying interest when I ca. make multiple payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE XXXX XXXX XXXX XXXX AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello on  XXXX  2017, I ma de an international transfer of {$2300.00} to my friend with moneygram ( ref id :  XXXX  ). I used my  XXXX  debit card and for some reason my bank has declined that transaction.so I taught the receiver never received that amount and I have informed my friend about the same.     to my suprise, today morning (  XX/XX/2017    ) I got a call from  XXXX  saying that you have an amount to pay for moneygram of $  XXXX + {$30.00} ( check returned fee ) .I explained  XXXX  representative that the amount never deposited in receiver 's account then why I need to pay that amount to moneygram. first I contacted them using live chat and they said we did n't process that transaction as your bank declined to pay that amount.then I called  XXXX  representative he advised me to call moneygram corporate office.then I called them the person who took my call ( at moneygram corporate office ) is very rude at me and refused to say any details and asked me to call  XXXX  for further details.I really disappointed with their behavior and no one has told me what 's going on exactly and the  XXXX  guy threatened me to pay that amount as today is the final day.so I paid that total amount of $  XXXX .here are my questions for moneygram.     1.why did you block my account and I am not able to see any transactions so how can I believe that the money deposited in receiver 's account?   2.on  XXXX  2017 I  made a transaction you have my email and phone number on file why do n't you call me or email me about the issue?   3.please provide me the proof showing that the receiver got that amount as I am not able to login into my account.     I have attached the screenshot of your representative who said that the transaction is not processed and if you fail to show that the amount deposited in receiver 's account.I will proceed legally and the way they approached about this issue is not at all good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: I.C. System, Inc.
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:
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$730.00} {$730.00} Payment Info Original balance {$730.00} Balance {$730.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments Affected by natural or declared disaster Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2018-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Account information incorrect

Complaint:
Portfolio Recovery Associates is incorrectly reporting the date of a debt they have purchased. They are listing the date current as of the time they purchased it which is incorrect. The date should reflect the date in which the original account was closed. I have attempted to contest this with them and they continue to incorrectly report the debt. I believe this affects my credit score as this debt has been paid/charged off in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: LEXISNEXIS
State: CA
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:
Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a chapter XXXX, filed in XXXX and voluntarily dismissed in XXXX. This has threatened my ability to find an apartment that will accept me although all of my debts have been paid. I have been trying to find an apartment for my kids and myself and no one will accept me due to the bankruptcy that I entered into voluntarily and dismissed voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I've been requesting complete statements from Pollack & Rosen for months. They continue to send me incomplete documents. I've requested the documents ( via letters and phone calls and voice mails ) to verify the amount owed. The statements show page 1 of 2 and all I get is page 1. I need to review and confirm the amount. If they aren't able to provide me complete information than the debt can't be verified. Per the company letter they stated they responded to me with the information they are required to provide under the FDCPA. This isn't a true statement. Please advise my next course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 non-monetary relief
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: NJ
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late in the month of XXXX to XX/XX/2019. I do not believe I was late on the dates you are reporting. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n  XXXX ,  XXXX  and let them know about a week ago (  XXXX   XXXX  ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number (  XXXX   XXXX  ) because I live in  XXXX  now and none of my customers like to answer my  XXXX  cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance  in  XXXX  called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady  XXXX  lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then  XXXX  called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues.  XXXX  then hurried off the phone in an unprofessional 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 2017-04-18
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX  with  National Credit Adjusters  has tried to contact my employer stating she has business with me. The return number is  XXXX  ext  XXXX . I did not authorize them to contact my employer, and I do n't know how they got my employer 's phone number.

Company response to consumer: Closed with explanation