BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company Midland Credit Management ( MCM ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is XXXX XXXX/mo, the other XXXX XXXX/mo. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins at XXXX XXXXand doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Sir/Madame, I have received two bad debts send to collection and they're reflecting negatively on my credit report showing under XXXX from ; XXXX XXXX XXXX for XXXX which I recognize after speaking with the collection company but I never received this bill only to find it on my credit report. 
The second bill reported on my credit report under XXXX is from ; XXXX XXXX XXXX XXXX XXXX which I don't recognize even after speaking with the collection company. I have never visited or been admitted at that location since I live in Pennsylvania not New Jersey. I have spoken the collection company regarding this issue and I will really appreciate if you can look into it. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XXXX I received an email from XXXX XXXX who is an employee of Credit Counsel , Inc. for a dispute I have with my divorce lawyer. 

XXXX XXXX included my ex-wife in the email. 

I called to tell him this was illegal and he proceeded to tell me that he would do it all day long. 

The email had the attached letter below : Claim of : XXXX XXXX XXXX  Balance due : {$8500.00} Account No. : XXXX NOTICE OF PENDING CLAIM Apparently you have chosen to ignore your obligation to Credit Counsel , Inc . This letter informs you that unless full payment is made within ten ( 10 ) working days after the date of this letter, Credit Counsel , IncXXXX may choose to proceed with legal action against you or refer the account to an attorney in your jurisdiction for immediate action. 
It is Credit Counsel , Inc. 's intention to exercise any and all rights provided for enforcement of judgments. 
Credit Counsel , Inc. shall proceed with such action immediately when directed to do so by our client. It is urgent that you pay the balance in full within ten ( 10 ) days after the date of receiving this letter. 
You should immediately contact the manager at : Tel : XXXX XXXX Very truly yours XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-10-21
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I qualified for a mortgage Forbearance due to Covid, the Forbearance ends XXXX XXXX. My property is located in XXXX, Fl and I am a XXXX XXXX who runs a XXXX XXXX XXXX XXXX ; I am also a XXXX XXXX. Due to the Pandemic I was unable to have students at XXXX XXXX and due to worry and concern over the potential impact of a Forbearance I made calls to the mortgage company, Specialized Loan Servicing, on a frequent basis throughout the forbearance period and had my accountant on the phone with me during these times to ensure that I understood everything and did not miss anything. As I have gotten closer to the end of the forbearance period my accountant and I have made weekly calls to ensure that the process of resuming the mortgage payments would be manageable. I was assured that Specialized Loan Servicing would modify the loan and that all missed mortgage payments would be applied to the back of my loan and that the term of the loan would be extended and that I would resume my monthly payments as before.

Today my accountant and I once again contacted Specialized Loan Servicing because they were to send us loan modification papers which had not been received. At that time I was informed that I have two options, to pay the forbearance amount of {$29000.00}, which had been explained to me before, or if I modified the loan then my monthly mortgage payment would increase from {$1700.00} a month to {$3000.00} a month because they would escrow taxes and insurance. In all the many conversations that my accountant and I have had with Specialized Loan Servicing over the course of the past 18 months, many of which were recorded, it was never mentioned that when payments resumed that property taxes and insurance would be escrowed. As I struggle to resume working and managing monthly mortgage payments I am unable to afford to have my monthly mortgage payment doubled. During the pandemic I struggled to make sure that both property insurance and property taxes were paid on time. I depend on XXXX XXXX to support XXXX XXXX  and feel that it is grossly unreasonable for the mortgage company to change the terms of my original loan to escrow monies which will impact my ability to meet my monthly obligations. Today when my accountant and I shared this with the Specialized Loan Servicing representative she checked her notes and agreed that through the many calls made regarding the Forbearance and loan modification this information was not shared.

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 2023-10-03
Company: Checkr, Inc
State: IL
Product: Credit reporting 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:
I got back ground check from checkr On XX/XX/XXXX It says I goes to New York My name is XXXX XXXX and I have like another not legal name my ex marriage name XXXX XXXX XXXX years old My daughter name is XXXX XXXX she is XXXX years old goes to college in New York. 
So please update this because in the previous background check they were clearly mixing XXXX XXXX with XXXX XXXX where XXXX XXXX is XXXX years old and XXXX XXXX is XXXX years old Have DMV fix it or the source that have this mixed like that I noticed they detailed temp driver license not sure why they call it incident It's like when we renew our driver license they give us temp one till they mail the driver license.so it's like why it got detailed in such ugly style XXXX and XX/XX/XXXX So they detailed the zip code XXXX it's not new York Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I financed a vehicle first time financing! I received a vehicle with high mileage and Im also paying more then what the vehicle is worth! I was told after a year of having the vehicle I could upgrade, my credit score even went up and still no one could help me! Now Im stuck with a vehicle with high mileage and the value is low! It almost will be 2 days years ongoing! The car lot is XXXX county located XXXX  wis!

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 2023-09-14
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I attempted to sign up on yelloh.com for a grocery home delivery service, presumably payable by paypal or debit card like other grocery deliveries. I did not sign up for any sort of credit account or credit card. To the best of my knowledge and recollection, I had never before signed up for an account with yelloh.com. 

I was therefore shocked and alarmed to be presented with this " identity verification '' screen that asked several questions that are of the type I have only seen previously when accessing my credit reports online. However, it baffles me that this information is so outdated as to be irrelevant, more than XXXX XXXX XXXX and should not be appearing on any credit report, and even more confusing as to why a common online retailer, with which I have no credit or other business relationship, has access to this information. 

I believe that this company is engaged in intentional identity theft, and has committed fraud in accessing my credit reports without any permissible purpose. 

Why does a cash for goods or services online retailer, or anybody, need to know the house number or street where I lived when I was XXXX XXXX XXXX? Why is any credit reporting agency sharing this information, and by what means, and which credit reporting agency is doing this? 

On XX/XX/2023 I called the yelloh customer service phone number, and spoke to a representative named " XXXX '' and requested a copy of my signed consent for them to access my credit reports -- any credit report -- and I asked for the name of the credit reporting agency they had accessed. XXXX stated that she didn't know, didn't know the name of any supervisor at her company, didn't know the phone number of any XXXX relations, and " would have someone call me back '' in XXXX or 3 days. I find this entirely unacceptable. XXXX also had my physical address and other personal information, even though I hadn't given it to her, I have no idea who XXXX is, who else she is sharing my information with, and the invasive creep factor of this company is almost palpable. 

I was denied shopping at an online retailer based on information contained my credit report, even though I had not applied for any form of credit whatsoever, and intended and expected to pay cash or debit for the purchase. 

This is a demand for yelloh to immediately release to me of any signed copy of any consent to access my credit report, and define their permissible purpose for doing so, and the name of the credit report agency which furnished this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX/2021, XX/XX/2021, XX/XX/2021 was reporting as past due during the pandemic and they stated that I would not get a late pay. They have the other months for this year showing correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Account information incorrect

Complaint:
hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted Experian, XXXX, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.

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 2021-10-22
Company: EQUIFAX, 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:
XXXX  card inquiries reflected on my credit reports ( XXXX and Equifax ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( XXXX and Equifax ) three times on XX/XX/21, XX/XX/21 and XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I reported a fraudulent credit card purchase on my PNC credit card for two transactions onXX/XX/XXXX. One was for {$31.00} and the other one was an international charge for {$0.00}. As a result, PNC closed my credit card and reimbursed me for these two charges. When PNC issued me a new credit card, they transferred the remaining balance on my old card to my current credit card. The amount of the remaining balance that was transferred was {$360.00}. This transfer occurred on XXXX. 

PNC charged me a late fee of {$27.00} plus interest of {$13.00} both on XXXX. Both of these charges were in regards to my old credit card that I reported fraud on. PNC claims that the payment on my old card was still due on it's original due date and that is why I received these late payment charges. When PNC transferred my remaining balance to my new card, it automatically closed out my old card and thus gave it a {$0.00} balance. 

Even though I had automatic payments set up on BOTH my old and new credit card, no payment was automatically deducted. Also, NO NOTICE was given to me ( neither via email or regular mail ) that a partial payment on my old credit card would still be due on its old due date despite the fact that the old credit card was closed and had a {$0.00} balance. 

Also, when I received my new statement for the current credit card, there was NO MENTION of separate due dates for my balance from my old credit card. 

Since no notice was given to me via mail or email, this should be a violation of Regulation Z concerning credit cards and disclosure acts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
law In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 

These accounts listed below are furnishing complete inaccurate information. 

As per the request from your organization I am facilitating the account names of all the inaccuracies listed on my consumer report that needs to be removed under federal law : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Those account listed are reporting on my consumer report and I have no contractual agreement nor account with any of these companies and I request that these accounts be removed from my consumer report immediately.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-04-19
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've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The company is Venmo. They HEAVILY advertise that they now support cryptocurrencies. They only give you the option to buy and sell. You are not allowed to transfer your holdings to another wallet, on or off their platform. 

What does this mean you might wonder? Internalization. I speculate they are not even making a purchase with your funds that is hitting the blockchain. There is no way to actively view ANY of your crypto transactions through Venmo as is possible with trusted crypto-based companies ( typically, you can see the different confirmations of your funds being transferred on trusted sites ), which further supports this hypothesis. In classical finance, we refer to this as a " Ponzi Scheme ''. Because it's cryptocurrency, it is heavily unregulated and confusing to the average American over the age of XXXX so they get away with it. 

My best guess is that they collect batches of orders through their customer base, and don't actually give you a genuine crypto currency wallet, as they very clearly are advertising to unsuspecting consumers. This would mean their " transaction fee '' is also a lie, and they're just taxing their consumers because it looks normal in relation to your average crypto based transactor today. Where are my network confirmations, Venmo? Can you show me those? Prove to me that you are actually making purchases on my behalf with the timestamps, my wallet address, amounts, etc. If this is not the case, why else are you not allowed to transact further than buy and sell, and how long will it be before you grifters turn off the Buy or Sell button when the crypto bubble pops in two weeks? Oh right, you guys don't care. Whatever it takes to survive one more day, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation