BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXX XXXX  DELAWARE Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS

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 2019-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX XXXX   {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX has over charged me for XXXX XXXX bucks for a account that already been closed

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 2022-05-04
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$50.00} gift card for my birthday that was purchased at XXXX by my mother-in-law on XX/XX/2022. When I went to check the balance of the card on XX/XX/2022, there was a {$49.00} charge from XXXX on XX/XX/2022 that I did not make. I called the customer care number to report the fraudulant charge. The person I spoke with told me in order to start a case, they will need to know information that I was uncomfortable giving out. They wanted to know my name and then asked me for my birthdate. That's when I felt uncomfortable and ended the phone call. I did not see the need for them to know my birthdate and felt like they were going to try and acquire more personal information from me in order to engage in more criminal activity. 
The website to check the balance of the card is XXXX. The number I called for customer service is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not taken any action at this time yet as Im writing my complaint to you first 1.XXXX XXXX - {$0.00} XXXX 2.NISSAN MOTOR ACCEPTANCE - {$41000.00} XXXX 3.XXXX XXXX - {$4900.00} XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX - {$390.00} XXXX 6.XXXX XXXX XXXX - {$3700.00} XXXX 7. XXXX XXXX XXXX - {$370.00} XXXX 8.XXXX XXXX XXXX - {$3700.00} XXXX 9.XXXX XXXX XXXX - {$1000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As you could see from the settlement letters, all the following accounts have been paid and settled. There should be a zero balance on the accounts. However, the companies reported balances to the credit bureaus causing my Credit Fico score to suffer a lower status. The lower Fico score will keep me from obtaining lower rates, qualifying for home opportunities, cause higher interest rates on car buying opportunities and could even prevent me from gainful employment in some cases. Especially during this pandemic, work is essential and Better Credit Fico scores open doors for better opportunities. I am being restricted from those better opportunities while the following companies report incorrect information regarding my accounts. Please review the settlement letters below and dispute with the companies. Thank you : 1. Capital One Bank ( Credit Card ) Account XXXX Status : Paid {$2100.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 
Judgement in court satisfied XX/XX/2021 as seen in the documents. 

2. XXXX XXXX XXXX XXXX, XXXX XXXX Account XXXX Status : Paid {$790.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 

3. XXXX XXXX XXXX XXXX XXXX Car loan ) Account XXXX Status : Paid in Full as of XXXX XXXX. Balance should be {$0.00}. 

4. XXXX  XXXX XXXX XXXX Credit Card ) Account XXXX Status : Paid {$670.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX,2017 I wired XXXX to XXXX XXXX destination Texas with a fee of XXXX. Realizing it was fraud and a scram I reached out to Money Gram to cancel and refund my Transaction but they stated it has already been picked up and there was nothing they do. I wanted my hard earned money returned back to me and for them to flag it as fraud. Can you please assist me with this in justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2019 PayPal limited my account access holding my funds for reasons unknown to myself or customer services reps I have spoken with. I provided information needed, changed my password for security and still can not access my funds in my PayPal balance for withdraw. Due to this inconvenience my water has been turned off by the utility company for failure to pay the bill on scheduled payment arrangement date. I have young children who has also been affected by this. I have reached out to PayPal on XXXX, XXXX and XXXX with no accurate response or update to when I will have access to MY EARNED MONEY sitting in my PayPal balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
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:
There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX at XXXX central time i believe her name was XXXX called from Synchrony bank in re my Amazon credit card that is in collections with them. I adv that she is illegally calling me outside of approved hours and would be filing a complaint.

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 2019-07-22
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with XXXX XXXX XXXX , XXXX, but I think I should be fling a complaint against LOANCARE , LLC because they are the ones who transferred my service. You used to think that if a mortgage company transferred/sold your loan to another, it was a good thing. I do not think this is the case. XXXX is a collection service. Transfer was XX/XX/XXXX one month after closing. closing was XX/XX/XXXX. I did review the Notice of Servicing Transfer and I have logged in many calls to XXXX. Confusing because XXXX number is XXXX. I used to pay {$720.00}. They were late posting the initial money from closing. On XX/XX/XXXX I spoke with XXXX about payments and how to do them online. I paid XX/XX/XXXX. Back then I had questions about the escrow. This is when the amounts did NOT agree. Then, they said I was short, it THEY were over paying. I saw this reflected on monthly statement of XX/XX/XXXX ( statement date ) and ( payment due date ) of XX/XX/XXXX. Then on XXXX/XXXX/XXXX I got a statement from LOANCARE LLC with a new amount of {$690.00}. ( Everyones Mortgage goes down, so I thought nothing of it. I have heard of VA Relief Program and other reasons for decreases, even on a fixed rate, so I thought nothing of it. ) Until, LOANCARE decided to transfer me over to XXXX which started at total amount due : {$690.00}. And that is when from then on it seems they PASSED there buck onto to me. And on XX/XX/XXXX the amount changed again to {$710.00}. I am So fed up with all this. I have shared with my family that if for any reason I drop dead, SUE them for duress, because from then on I have tried to solve the problem with both of these with only one headache after another. Please help!

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 2019-09-06
Company: Everest Receivable Services Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by Everest receievable services saying that they were collecting a debt that I had no awareness of. When I asked for more information, I had to verify my address and the last four digits of my social security. The agent then told me that I owed just over {$2000.00} from a XXXX credit account. I told the agent that I have never had a XXXX credit account and that it was not my debt. He stated that the debt was from XX/XX/2017. I again stated that the debt was not mine. He said I would have to complete a fraud form and he would send it out. Once I got off the phone with him, I immediately checked XXXX, saw that I have never opened a credit account with them, then I went to XXXX and ordered a credit report and score, the XXXX documents showed no XXXX account and nothing in collections. I am extremely concerned now that this was a scam to get my address and last four digits of my social.

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 2020-06-22
Company: Portfolio America Asset Management, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This company keeps showing up on credit report. I have no knowledge of this creditor, I need help, its obvious its a fraud account. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2021-07-22
Company: Mountain Run Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After I found this collection agency, Mountain Run Solutions, on my 3 Consumer Reports I sent them a Notice of Dispute and Demand for Proof of Claim. I requested full verification of the alleged debt owed within 10 days or I would " construe their failure to comply as their absolute waiver of any and all claims against me. '' ( certified letter delivered XX/XX/21. ) I told them that since I hadn't established a financial obligation with Mountain Run Solutions, they have issued a False Bill by trying to collect by mail.

I outlined the US Codes that defined Mail Fraud, Creditor, Debt, Debt Collector. 

XXXX XXXX of Mountain Run Solutions responded to my Notice with another attempt to collect a debt, dated XX/XX/21, offering to delete the account from all credit bureaus in exchange of me paying a lower amount ( {$1500.00} ) than originally alleged to be owed ( {$2100.00} ). He also sent minimal verification documentation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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 Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: SKO Brenner American, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Following letter mailed to SKO Brenner XX/XX/XXXX, with account numbers, dates and dollar amounts, together with supporting documentation. I was never sent a past due notice ( which the payment was not nor notified the invoice was being turned over to a collection agency : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Re : XXXX-XXXX, XXXX account # Dear Sir, I am responding to your collection notice regarding the above referenced debt dated on XX/XX/XXXX. The debt identified in the notice was XXXX-XXXX, XXXX, Account # in the amount of , and referenced client #. 

I do not owe the debt and have enclosed the copy of the wire transfer from my personal checking account for $ to XXXX-XXXX, in addition to, the portion of my personal bank account statement verifying the payment cleared my account on XX/XX/XXXX. I do not owe for the debt you that you are attempting to collect. 

Please record that I dispute having any obligation for this debt. If you have reported this collection of debt to a credit bureau, I require a copy of the completed correction in your reporting submitted to the credit repository ( s ). 

Thank you for your cooperation. 

Sincerely, Cc : XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX Colorado Attorney Generals Office Enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to file a complaint against Equifax for knowingly placing inaccurate information on my credit report. I disputed inaccurate information and inaccurate inquiries. 
Equifax investigated and sent me their dispute results. They deleted XXXX collection account and deleted XXXX inquiries. But on the new updated credit report Equifax sent me. Equifax listed the same XXXX inquiries and the same collection account that they deleted from their investigation. Equifax is knowingly placing deleted inaccurate information on my new credit report. I want Equifax to be fined for this, and made to remove this information a XXXX time from my credit report. This is so outrageous. I will be enclosing a copy of everything as proof. Please view below : Inquiries removed : ( XXXX ) XXXX XXXX  DATE OF INQUIRY XXXX/XXXX/XXXX. ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) REXXXX XXXX DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX DEALER SERVICE, DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX Collection Account removed : XXXX XXXX, ACCOUNT NUMBER XXXX The XXXX inquiries and XXXX collection account were deleted by Equifax. XXXX XXXX XXXX and XXXX XXXX of the enclosed report. Page XXXX of the update credit report shows Equifax relisted the deleted collection account, XXXX XXXX, ACCOUNT NUMBER XXXX. XXXX XXXX of the updated Equifax credit report shows Equifax relisted all XXXX inquiries they deleted, which are located on XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MN
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:
XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights.

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out 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 2019-07-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a debt validation request to company XX/XX/2018 sent US certified mail. Company signed for and received letter from me. Company failed to respond in anyway or provide any evidence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a debt validation request to company XX/XX/2018 sent US certified mail. Company signed for and received letter from me. Company failed to respond in anyway or provide any evidence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions 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:
There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$11000.00}

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