BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-23
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt is supposed to be to Commenity Bank for a couple of different accounts including Store cards XXXX says XXXX and another XXXX says Commenity but both are Commenity bank I found out. These both were opened by an unknown party in my name with stolen ID and information. It may have been another resident in my own building I live, which houses hundreds of people. We have had an issue with mail theft ID thefts, and fraud here. I notified Commenity thatI do not owe this debt and it was not my acct. they told me it would be taken care of. But it was not, it appearson my credit report as {$730.00} in debt, and is hurting my credit and is not my debt. I asked them for a fraud packet twice but they never sent it and insead placed the acct in collections in 2014 and will not listen to my info nor help me resolve this since. I decided to finally report it because I am tired of trying to contact them and no one cares that this was fraud at Commenity. I want the entire debt removed from both credit reports please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, Experian or 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 2020-01-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of ProCollect located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency XXXX & also the XXXX XXXX XXXX, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company ProCollect has over two-hundred and forty complaints on XXXX XXXX XXXX Website and all consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold ProCollect responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, ProCollect placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting ProCollect to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in 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 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either Transunion, XXXX or 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 2017-07-23
Company: EQUIFAX, INC.
State: CA
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:
There are 3 tax liens showing on my Equifax Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via Equifax website on XX/XX/XXXX and Equifax sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
An internal transfer into checking {$2000.00}, transfer out of checking to another bank {$2000.00}, and check {$140.00} all posted to my account on XX/XX/20. The bank ordered the transactions with the credit last, and then debits high to low. This resulted in reversal of external transfer with additional negative repercussions, 2 NSF fees {$58.00} and bounced check. The money was in the account to cover everything that day XX/XX/20. How is this still permitted with CFPB protections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23
Company: Consumer Portfolio Services, Inc.
State: NC
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:
In XX/XX/XXXX me and my husband ( XXXX and XXXX XXXX ) went to XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, NC XXXX and purchased a XXXX XXXX XXXX. We traded our XXXX XXXX van ( that was paid in full ) on this transaction. I had automatic payments set up to be debited out of my account. After two monthly payments XXXX XXXX could not come up with a permanent tag. We were issued three temporary tags from the time we purchased the vehicle. Fed up because we could be pulled over and fined for having a outdated temp tag we contacted the department of motor vehicles and they fined XXXX XXXX. Even after that incident we asked if we could get another car but we were told no, so me and my husband decided on XX/XX/XXXX that we wanted our trade in back and this vehicle purchase removed from our credit report without having a negative impact. The vehicle was gone so XXXX XXXX did give us a {$1000.00} but he failed to send the finance company Consumer Portfolio Services the money because we returned the vehicle. We have since then talked to XXXX XXXX at CPS and he states that he has not received a check from Driven but XXXX XXXX states that its " in the mail ' We have contacted XXXX and the BBB concerning this matter. XXXX XXXX has failed to keep us updated in this matter and when we try to contact him, he is either out of the office or they hang up on us. This has taken a great toll on us financially and mentally. My husband ca n't work his second job because we went from a two car household to a one car household. We ca n't purchase another car because this loan is showing negatively on our credit report and our credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-02-03
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Booked a hotel room at XXXX XXXX XXXX via XXXX on XX/XX/XXXX using Penfed credit card, card # XXXX. Cancelled on XXXX. Expecting a full refund. 
XXXX booking confirmation XXXX. 

There was credit card fraud activity happens at the same time ( unauthorized purchase ), so the old card was closed and Penfed issued a new credit card, card # XXXX. 

However, there is a duplicated charge of XXXX XXXX XXXX, so total of two {$40.00} charges on my statement closing on XX/XX/XXXX. There is one refund of - {$40.00} posted on XX/XX/XXXX. Not sure if this is due to XXXX, XXXX XXXX or Penfed 's error. As a result, there is one additional {$40.00} charge. 

Called Penfed multiple times ( latest called on XX/XX/XXXX ), and they said they can not find any wrongdoing or error. They only promised to review the case again. 

I need some help on verifying why there are two {$40.00} charges on my account. Which party 's error is that. How can I get my {$40.00} back. 

Thanks, 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 2020-01-07
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Diverse Funding Associates LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly call and text me and people I don't even know. Told them to stop and the guy said he didn't have to.

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 monetary relief
Consumer complaint received 2018-12-01
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: Account status incorrect

Complaint:
Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2021-01-19
Company: EQUIFAX, INC.
State: AL
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:
In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX. In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but Equifax  and XXXX  continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of XXXX located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency Equifax & also the Consumer Bureau Protection, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company XXXX has over two-hundred and forty complaints on Consumer Bureau Protection Website and all  consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold XXXX responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, XXXX placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting XXXX to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV FUNDING ACC # XXXXand Acc # XXXX is been reported as late which is in corrected. I contacted XXXX XXXXXXXX and was told that the accounts were sold when dispute were in process. The account was previously listed as 12 XXXX XXXXXXXX XXXX  with balances of {$3500.00} and {$4000.00} that are incorrect. Was told by XXXX XXXX they are no longer reporting since disputed. Rather LVNV Funding with proper verification and right to dispute. A letter attached from XXXX XXXX XXXX  as proof. LVNV funding sent frivolous statements with merits that does not represent the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I did an international online money transfer with Moneygram on XX/XX/2020 with an expectation that the recipient would receive the money within minutes. The recipient contacted me to say that Moneygram to date has not transfered the funds to the recipient. I tried to cancel the transfer online. My moneygram receipt states that I could cancel the transaction online. However, there is no provision to cancel this transaction online at all. I called Moneygram several times and asked why I was not able to cancel online on their website. They are aware that I could not cancel online even though my receipt says that I could. 
I have requested several times for a transaction refund from Moneygram, via online chat, telephone and also registered a complaint via they're website. All this is to no avail. After six days of waiting for my refund. Moneygram continues to not provide my refund as requested.

Company response to consumer: Closed with explanation