BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 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 2020-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Final letter written on XX/XX/2020 included copy of credit card application and my drivers license issued in the state of NY clearly showing the signatures do not match. Also was not living in residence the card, statements or letters were sent. That was my ex-wifes home. They have attached to my credit report showing collections for XXXX ( old XXXX XXXX account ). I even attached a copy of my current XXXX XXXX account showing good standing. Company keeps sending letters stating the account is valid when clearly it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX removed a 30 day past due entry from my credit reports. Experian still shows it and it is impacting my credit score negatively

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 2020-02-12
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I was XXXX in the year 2013, I accepted a credit line for XXXX XXXX dollars from discover. I was able to keep up with the payments until I allowed my mother to use my credit card to pay her bills. She eventually used every dollar I had available through my discover credit line and my account became delinquent. Now I am XXXX and I would like to better my credit situation by any means necessary. I would hope to be able to set up a payment plan now that I have a steady income available in order to better my credit. I dont know who to contact about setting up a payments plan. So hopefully this could be the first step towards bettering my credit situation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 2020-02-12
Company: FIRST ADVANTAGE CORPORATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I gave permission to the XXXX XXXX to initiate a background check on XX/XX/2020. The company First Advantage would be conducting my background check. The results of my criminal history came back with a felony instead of a misdemeanor, I have never been charged with a felony. I believe this misleading information would significantly hinder my ability to work for this employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 2017-09-10
Company: M&T BANK CORPORATION
State: PA
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:
Hello Sir/Madam, I had a new inquiry credit report on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

Thanks, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. 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 explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CT
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, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2017-09-10
Company: EQUIFAX, INC.
State: TN
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:
I recently purchased a house and Equifax was exclusively one of the agencies that was running my credit report. 

My information should be held privately by Equifax and they allowed that information to be obtained by a 3rd party that I did not authorize. 

I have currently placed an Initial 90 Day Fraud Alert on my account but I feel that this will not cover the damages, should this become an issue down the road. 

My vital information is not changing and Equifax has carelessly handled my information and allowed an unauthorized source to obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: U.S. BANCORP
State: PA
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:
Hello Sir/Madam, I had a new inquiry credit report on US bank and XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

Thanks, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: PA
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 Acct # 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 2019-07-30
Company: Kashia Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX I was contacted by telephone by an agent of Inbox Loans saying that I had been chosen and approved for a loan of {$5000.00} dollars. I was explained that such a loan would help me raise my credit history. I went ahead and filled out their application online. I spoke with a man named " XXXX '' who understood my XXXX. I was then told that the loan amount I was approved for was {$500.00} dollars. The amount which they asked for in interest shocked me and I did not wish to go through with their proposal. At the agents insistence I was then explained that if I accepted a loan in the amount of {$200.00} dollars my interest payment would be {$45.00} dollars, and that my payment would be {$240.00} due within 90 days. I was explained that this would help my credit score rise. I was explained that I could start off at {$200.00} dollars at the above interest and then in time qualify for a larger loan about 1 year later. I was explained that the term of the loan would be 90 days. I agreed. 

My first payment was at an interest rate of {$60.00} dollars and the contract had been put through for 1 year, not the original 90 days. The company began deducting payments from my bank. I called them to explain that no such agreement was what I agreed to and that they had recorded my calls and therefore should review the calls to see that the error was theirs. Thus began the odyssey of unreturned calls, charges which continually exceed the time frame and interest rate I agreed to. To date the company does not return calls. I have left multiple calls and none have been returned. I have sent them emails and none have been answered. They have damaged by credit file and have extorted money from me under false pretenses. I am asking for assistance in this matter as I speak XXXX  and feel that no one can help me. The company does not respond. It doesn't seem to be a legitimate enterprise and I am very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Motolease, 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: Account status incorrect

Complaint:
XX/XX/XXXX I received an email about a rewards program that Motolease ( this is the company that I have lease with ) mentioned that I could earn rewards based on my on time monthly payments. One option is that if I got XXXX points I could get my lease repriced. ( The company had given me points for my previous on-time payments that were made prior to the rewards program so I got my points a year later ) XX/XX/XXXX is when I hit my XXXX points. I called Motolease that same day requesting that I use my rewards to get my lease repriced. 
On XX/XX/XXXX I got an email from Motolease stating to sign my new repriced lease. The repriced lease resulted into me having a new account number and a new payment date of XXXX of every month. My reprice lease amount at the time of switching from the old account to the new account was {$7700.00} with a payment amount of {$280.00}. 
When XX/XX/XXXX came I notice that my auto debit payment hadn't been taken out of my account so I called Motolease to make a payment which I was instructed to make a payment on my new account since the old account is closed.I also mentioned to the rep that I was getting calls about the payment being late on the old account and if I should a payment on the old account and I was told no that any calls or emails that I receive I should ignore because it is computer generated.I asked will it effect my credit and I was also told no because I am making a payment on the new account and that she will make notes on old account that I am now making payments on my new account. 
On XX/XX/XXXX I made my second payment on my new lease account over the phone with Motolease. 
On XX/XX/XXXX I made my third payment on my new lease account over the phone with Motolease. 
Another issue is when Motolease closed my old account they reported that I missed XXXX and XXXX payment but made notes that my credit report that my last payment was XX/XX/XXXX. 
But on XX/XX/XXXX Motolease also reported on my credit report that my account is closed with " FULL TERMINATION : OBLIGATION SATISFIED '' Now on my new account Motolease is reporting on my credit report that I am 30-59 days late but also has that I am in good standing with my account. ( How confusing is that? ) And also, XX/XX/XXXX Motolease updated my account from being 33 % late to 100 % late after I disputed the inaccuracy through XXXX on my new account. 
Then on XX/XX/XXXX Motolease came back and stated on my credit report that I went from 100 % on time payments to 67 % on time payments on my old account. 
This has been a mess from the time that I got my lease repriced to currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Signed up for a business account the account was not approved but went under review then they approved my account with limits which was fine I used my account accepted a payment for a job I did and everything was fine. Then I received a bigger payment for XXXX that I worked all week for a job and they put my money on hold and froze my account which is totally unacceptable my account should of never been approved int he first place if they weren't going to offer me to use PayPal for business services so at bare minimum I want that money refunded to my customer or let me withdrawal my money and close my account I won't ever use your service again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contract Callers Inc. requested {$150.00} per alleged owed utility bill of a property sold to new owners over a year ago. 

Notified initially via mail and then filed a dispute via XXXX online dispute form the same day I received notice. 

On XX/XX/XXXX, Contract Callers INC reported to the credit bureau XXXX. They have included a very damaging negative mark on my credit which plummeted my score and can potentially stay on my report for 7 years. I am literally in the process of purchasing a home and this has caused severe damage. 

A letter from Contract Callers Inc with the date of XX/XX/XXXX on the letter arrived to me during the 3rd week of XXXX. The letter CONFIRMED my alleged debt was in dispute. And attached a backend statement from XXXXXXXX XXXX  XXXX listing various amounts. It was not a copy of a bill or anything familiar to me, to use as proof/verification. 

Contract Callers Inc is in direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. They have reported to XXXX on XX/XX/XXXX, invalidated information that is still in dispute, and this action is constituted as fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Acct # 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 2020-02-12
Company: Southern Management Systems Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southern Management XXXX located at XXXX XXXX XXXX XXXX florida XXXX -- They are stating i owe an amount of money but cant prove it, i tried to negotiate with them but they are mean rude and hang up the phone with immature statements like " im not going to do this '' " uh oh i dont take attitude '' and a bunch of other silly comments that result in hangups thus making it impossible to get to the bottom of the collection issue. I have asked them for proof of debt for 7 months and they say check your credit report which they damaged, it is the only debt in collection that i have. I practically beg for proof of debt, apparently the debt is owed to a business that is now defunct. Please help get to the bottom of the abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Google Compare Credit Cards Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Google pay has no refund policy on scamsters. I told Google just 5mins. from the transaction message. They have not helped me at all. They have been going in loops. Now they want me to get the money back from some scamster. I don't even know. I need full refund. I would never ever recommend anyone to Google pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer XXXX ( XXXXXXXX XXXX  ). 
This is sent by check every month. 

Mortgage was transferred to new servicer ( Carrington Mortgage ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. 

I provided bank statements to Carrington Mortgage showing money was drawn from account from XXXX ( guild mortgage ). 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. 

Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. 

Now Carrington is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. 

Carrington, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet.

This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. 

Neither Company wants to be held responsible for this seemingly missing money. 
~ {$400.00} dollars. 

Carrington says I need to call XXXX. XXXX says I need to call Carrington, I'm getting the runaround. Now threatening to report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I do not owe this judgment. this company was sent a letter and never responded to my letter. They filled a court order that I knew nothing about, and now garnishing my employment check. This company is a fraud. STENGER & STENGER WAS SENT A LETTER BY CERTIFIED THAT THEY RECIEVED AND NEVER RESPONDED.

Company response to consumer: Closed with explanation