BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-07-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Northtown Capital Services Group LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northtown Capital Services Group contacted me in XXXX of XXXX. They informed me that I have a debt with a payday loan group called XXXXXXXX XXXX I had set up a payment plan with them and I forgot to electronically sign the payment plan. However, the next payday in XXXX, they charged my card for the payment plan that I had not signed. The company is now harassing my mother in order to get information about me. In XX/XX/2021, they called my mother 3 times, left voicemails, and when my mother called back, the representative from Northtown, XXXX XXXX, had given my mother information regarding my debt. This is completely unacceptable and against the law according to the Federal Trade Commission Act ( FTCA ) and the Federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of United states ) that the foregoing is true and correct to the best of my knowledge. Further i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This collection found within my credit report are not related to any transaction that i made. i am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Purchased a product ( electronic floor cleaner ) from seller on internet. United States Postal Service confirmed something was delivered from seller but not to my address. USPS acknowledged that I was scamed as the seller used another tracking number and address. I filed complaint with PayPal and they said they could not refund the money ( XXXX ) because the product was delivered. USPS said that PayPal does not verify addresses from internet sellers and they often experience this type of scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
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: Investigation took more than 30 days

Complaint:
showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX TX XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact Information	XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXXXXXX  XXXX XXXX XXXX  
XXXXXXXX
XXXX XXXX XXXX/XXXX XXXX  
address: not mine XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA 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 2022-12-09
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to PHH Mortgage company. Initially, there were no issues. However, our insurance and taxes are paid into escrow. PHH failed to make our insurance payment due XXXX despite TWO invoices appropriately being sent from our provider. It was not until we had to call ( 30+ minute wait ) during their " limited COVID-19 hours '' of M-F 8-6pm and specifically request that they disburse funds that the payment was made. Thankfully we monitor our notices from our insurance company. 

Secondly, despite all previous servicers accepting internet payments ( or app payments ), PHH refuses to accept an electronic payment WITHOUT a signed Note Allonge which would allow them to charge {$19.00} for mere acceptance of our payments. In addition, during the 60 day " grace '' period they accepted such payments ( without fee ) but never, not once, in writing or otherwise provided notice of the " need to sign a note allonge. '' I have reviewed the Note allonge ( provided ONLY after I called and after 15 minutes discovered that was the " reason why '' I could not pay on the app, and that was NOT what the representative originally stated ) and patently refuse to sign it. It is inaccurate, misleading, and would give them carte blanche to charge unnecessary fees ( for which they have been subject to a lawsuit, which is where I guess the requirement to sign this form comes from ). Both myself and my spouse work in fields which routinely review and evaluate notes. I know that our original note allows for electronic payments, but it does NOT provide for the absolutely unfounded fee that PHH wants blanket approval to charge AT THEIR DISCRETION. So, I will pay by check. I will also be closely monitoring to ensure all payments are applied. 

This company is misleading, their advertising is misleading ( i.e. " Pay via our APP '' ), their customer service is not educated or helpful, and they have now failed in THEIR obligation under my note to timely make the escrowed payments. And of course, there is no recourse that we can take OTHER than to submit this complaint as the note was sold by our previous servicer and payors ( who are NEVER late ) have no ability to request a change in servicer from this disreputable company. PHH has violated our note, is seeking a self-serving note modification to benefit only their interest and profits, and has no care for their customers.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: WI
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:
Hard pulls on credit

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 2021-07-26
Company: EQUIFAX, INC.
State: CT
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:
[ This is a duplicate complaint to # XXXX as I needed it sent to four companies and I can only send to three at at time. ] This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX 

XXXX XXXX XXXX XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : Equifax, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX -- Current Status of XXXX account : " Active '' Status of : XX/XX/XXXX I contacted XXXX via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX XXXX representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX XXXX  representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 

-- -- -- -- -- - I am also filing a slightly modified complaint with CFPB addressing the credit bureaus, since I have no ways to verify whether this is an error from XXXX XXXX or from all three bureaus. 

I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  months ago I order few items from this company call XXXX  the payment method was monthly instalment I provided my debit card so the can take the payment out Till XXXX month later I received notice from Experian was and updated on my credit report I log on and I see a XXXX points drop which I was shocked I call the company affirm and I ask what happened they said they could take the payment out of my card and I said why u don't call me or email me they don't answer me so I pay of the balance and they supposed to correct my report but the never did

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 2023-08-10
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter on XX/XX/2023 from Wells Fargo saying they will close my account because I use a registered agent. 

I don't believe this is fair nor legal. I would like to see the terms and conditions of my checking account where it shows they XXXX do this.

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 2021-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months ). XXXX XXXX XXXX XXXXXXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor ( XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of XX/XX/XXXX provided by PRA, LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capio Partners This company is attempting to collect a debt from an Energency Room visit that occurred on XX/XX/2016. The provider was paid in full according to his contract with my insurance in XXXX of 2016. Capio Partners bought this " bad debt '' from the providers billing company and is attempting to harass and bully me to pay {$540.00} that I do not owe. 

They have been contact by my Insurance provider and provided proof of payment four times, yet they insist they have received nothing. I personally sent them the information and they insist they have not gotten it. 

After some research. I learned that Capio Partners is known for this behavior and will harass you until you pay. It does not matter if you do not owe the money.

I have also filed a fraud complaint with my local District Attorney 's Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXXXXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.

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 2021-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX the amount of XXXX and XXXX was unauthorized ( XX/XX/XXXX was posted to the account ) and was used to process the transaction without my permission. I called Well fargo the day after to change debit card because of the unauthorized charge. The investigation was opened after some time the investigation closed and they declined to refund me the unauthorized transaction because of lack of information which was impossible to provide because there was no way of providing evidence of something that I didnt do. couple days later I got an email most likely from either well Fargo or a fake company trying to impersonate as an employee of well Fargo as a means to intimidate me or someone indirectly connected to well fargo which is most likely since it occurred few days after, I want credit posted on the account for both unauthorized charge it is unnaceptable that a company like well fargo would not resolve customer dispute. I am extremely dissatisfied by the service. The worst bank I have ever seen in my whole entire life .Also an employee was filing a complaint when I was disappointed with the outcome of the investigation without my permission or disclosure of these policy ahead of time to consumer which is very deceptive. I want them to be held responsible for all of the above, the lack of transparency and incompetence of solving disputes and satisfying customer 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 explanation