BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: Northstar Management, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX original loan XXXX, on XX/XX/XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX ,XXXX, XX/XX/XXXX XXXX,XXXX,XXXX, and two recites showing different amounts owed.and everytime you call, or go there asking question pertaining to your account there rude, have attitudes, or make you uncomfortable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barrclay 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-10-27
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lost my son last year to an overdose. I admit there is a hospital bill. This company State Collection Services and their CEO have been issuing hits against my credit weekly over 6 times in XXXX alone for the same {$2200.00} doctors bill. The first 5 times they reported the account was in collection the amount owed was false. 
I filed a dispute via XXXX and the amount was dropped over {$1000.00} only after XXXX did the research. XXXX agrees that there is not a real reasonable explanation for them to list this debt so many times a month ( sometime twice a week ) and they speculate that it is purely punitive in nature. I do not dispute the debt. I dispute their practice of making XXXXne bill seem as though it is late every week. This is not true misleading and to my understanding against the law. This week State Collections has reported the same debt " in collections '' twice to the three credit bureaus. I am requesting that you take action against this company and their CEO XXXX XXXX. In my opinion XXXX XXXX is human garbage for the way that he has treated me in this terrible time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on 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 explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: FL
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 belongs to someone else

Complaint:
Please all names and addresses that are not as following. Anything, else if identity theft and fraud. 


NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. 

ALL OTHERS REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Choice Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Choice Recovery put a fraudulent account on my credit report without prior notice of any kind, that has severely damaged it. I contacted themXX/XX/XXXX & informed XXXX XXXX that the account was fraudulent & to please mark as such. She told me twice that she would not. I requested a supervisor, she said one would contact me by the next business day. I still have not received a callback. I emailed them asking for account to be removed immediately do to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 I instructed verbally and in writing Attorney XXXX NOT to use my CREDIT CARD. He used it anyway. I request a REFUND on my XXXX 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 explanation
Consumer complaint received 2022-03-31
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent XXXX dollars to a friend of mine as I do sometimes. He lost his phone and therefore can not access his Cash app account because they are tied to a phone number. I contacted customer service and informed them of the entire problem and was repeatedly the following : " Cash app is unable to cancel or refund completed payments. If you would like to recover your funds, please have recipient reach out to us via their app. '' I did everything they ask and they took great pride in informing me that nothing can be done. I want my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: VA
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 to the fair credit act XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A : I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : A consumer reporting agency can not furnish an account without my written permission.

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 2018-06-26
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These Diversified Consultants Company is a debt collection vendor that has been using a bunch of random phone numbers with my area code but they are located in Florida and try to bait you to answer their calls. I have spoken to them to send me mail regarding this debt collection but they have neglected to send it to my address. The harrassment has started back in XX/XX/2017, for a collection amount on a phone bill for more than {$2200.00}. Which is ridiculous! They call multiple times throughout the day and I cant stand them anymore!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: LA
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 am a victim of identity theft. I completed a FTC report and a police report, as well as I contacted the creditors. I spoke with XXXX at Experian on yesterday, XX/XX/2021 and was told they received the documentation for my dispute but was unable to process it because it did not meet there criteria. I asked what else I needed and I was told that he could not disclose to me the criteria that I was missing but only that I did not meet them. I have been getting the run around. This information was submitted in XXXX and still no updates. I asked for a supervisor and was told they would call me this morning, but no phone call as of yet. I am disgruntled about this whole situation and do not feel as if I am getting anywhere. I credit is a disaster due to this and I am a victim of Hurricane IDA. I lost everything and had no insurance but was declined by the SBA because of these negative items on my report that are not mine.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and Transunion is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX  that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and Convergent, Equifax has violated my rights.

15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.

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 2017-06-16
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX  I was shopping wh en my   XXXX   XXXX   debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified   XXXX   XXXX   i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through.    XXXX  of the charges were associated with   XXXX   transactions. I do not have ( nor ever  had )  a   XXXX    account.  <P/> Today (  XXXX / XXXX / 17  ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the  XXXX  individual charges of {$13.00} each plus fees for a total of {$44.00}.  <P/> I dispute this debt. I did not use  XXXX , have never had a  XXXX  account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was stupid enough to place an offer to purchase a " laptop '' computer on line. 
When it did not arrive I told my credit card when the cost was put on my bill. They contacted Pay Pal as they handled the money. Pay Pal used information from the company to try to justify the payment. The document gave no proof of delivery to my office ( which is always open with employees available ). They also gave the name of the delivery company except the name is in " XXXX '' and had NO PROOF of any delivery. Apparently, Pay Pal is willing to take a statement without demanding any proof. They asked me to show proof of no delivery when that is impossible since no one ever set foot in my office.

Unfortunately this scam has help from a company that should care who they are working with ( Pay Pal )!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Marcus is not fully reporting balance information and balance history to the credit bureaus. I am unaware what the impact is- if any - positive or negative - to my credit report. However, regardless, I would like my entire balance and payment history- which is 100 % on time - to be reported accurately in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I requested my free credit report from Equifax in XX/XX/XXXX. I found inaccurate address and phone information. I opened a dispute and sent supporting documents. At first they told me they could not locate my credit file, then they sent a dispute resolution in which the fraudulent address was removed, but the outdated phone numbers remained. I wrote back and they sent another resolution which stated the fraudulent address was removed, but the included file showed the fraudulent address listed as " previous address reported XX/XX/XXXX '' and my current address as being " reported XX/XX/XXXX '' ; also the inaccurate phone numbers remained. I wrote again, and received another identical reply. I wrote again, and received an identical reply but with ALL phone numbers removed including my current, correct one. I wrote again, and received another identical reply dated XX/XX/XXXX but with the reporting dates of addresses moved up to " XX/XX/XXXX ''. I also received, dated XX/XX/XXXX, a letter stating that they could not locate my credit file because I had not provided documentation of my current address. This is untrue ; with each communication I have provided copies of my current, valid drivers license, social security card, and phone bill. I have lived at my current address since XXXX and there is no reason to report any former address, especially an incorrect one. This fraud originally occurred in XXXX and I thought it was resolved at that time, but apparently it was not. The company refuses to tell me where they are getting this fraudulent address information. They also refuse to allow me to access my reports online. When I call them on the phone, they inform me that they can not determine who is the legitimate holder of this account. I believe I am being impersonated by another, malicious individual and have provided documentation in support of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
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:
In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK 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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. 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 explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against Experian, XXXX and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

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 2022-09-11
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account number XXXX Consumer Number : XXXX Provider account # XXXX XXXX Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XXXX XXXX 2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from XXXX XXXX XXXX. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it. 
XXXX XX/XX/2022 The XXXX XXXXXXXX XXXX XXXX has removed this fraudulent account and balance. 
6/ In XX/XX/2022 I have received the letter from National Recovery Agency for the same amount.

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 2017-04-15
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level of fraud by putting this on my credit before contacting me as I have been at the address for years. 

Very shady practice to do that.

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 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Transunion is reporting a bankruptcy on credit report 11 years after bankruptcy filed. Bankruptcy reported on   XXXX    XXXX    comments and even though no bankruptcy on public record they refuse to remove it. Have disputed with  XXXX  and transunion for 6 months.

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 2018-03-14
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report. I noticed a collection on my report from Diversified Consultants for {$670.00}.

# 1. I was never notified about this debt.

I never received any letters or phones call concerning this debt.

I was never given an opportunity to dispute this debt, it just showed up on my credit report.

# 2. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief