BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : XXXX XXXX XXXX called me about an outstanding debt. I requested a written invoice or bill to determine if was actually mine. I verified my address and was told it would be sent. 

XX/XX/XXXX : No correspondence from XXXX XXXX XXXX & found out the account was sent to Medicred. Spoke to a rep from Medicred who told me the XXXX XXXX XXXX debt had been forwarded to them for collection. I verified my address & asked for written documentation detailing the debt be mailed to me. 

XX/XX/XXXX : Called Medicred again because I still haven't received anything from XXXX XXXX XXXX or Medicred. Spoke to XXXX and verified my address again & requested a bill or invoice be mailed to me. 

XX/XX/XXXX : Called Medicred again & spoke to XXXX & requested to speak to a supervisor ( XXXX ). My name, address & DOB were verified twice on the call. I again requested a copy of the bill or invoice be mailed to my address. XXXX attempted to get me to validate I owed the {$780.00} debt verbally & not provide the bill. I told him I had not received an Explanation of Benefits ( EOB ) from XXXX for any charges not covered by insurance and need to see documentation to confirm if the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Third parties are buying the debt from Capital One Bank, several had threatened me to court now XXXX another third party. XXXX calls me consistently and send letters for payment. Please have them stop contacting me and also its on my credit report in the incorrect amount. This is an older debt but I see a incorrect date thats more current. Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPL Recovery Solutions
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called random people that either I know or used to know. They are leaving very little info on messages and when people pick up they try to intimidate them to get info on me. I also have never received any written info until today when I called them. I asked them to send me info in the mail and they said they were too busy. He also asked me to give him my checking account number to make a payment. Once I said I didnt he said so your refusing to resolve this? They are very harassing and unless you ask they wont tell you who they are. One example is they called my ex girlfriend at her work. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
A purchase was made at the XXXXXXXX XXXX  store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from XXXX 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. XXXX 's made no attempt to contact me about the account balance. XXXX 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue XXXX 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with 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 2023-08-05
Company: EQUIFAX, INC.
State: AL
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:
Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have two credit cards and one auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have two credit cards, and one auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions 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:
FTC Complaint attached for XXXX and XXXX XXXX XXXX FRAUDULENTLY INQUIRIES, SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS FROM CREDIT REPORT I am writing to dispute these fraudulently inquiries by XXXX and XXXX. I am a victim of identity theft and did not open these account with Account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation, and method of investigation.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.Unverified Inquiries : Failure to substantiate the claim, Delete/remove Inquiries immediately from Experian. 

I demand the following accounts be verified or removed immediately. 

Provide Physical Proof of Verification : Unverified Account, FRAUDULENT INQUIRIES. 
Please remove all FRAUDULENT inquiries

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 2021-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1100.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Premier Auto Credit
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We moved to XXXX, XXXX on XX/XX/22. XXXX weeks ago I was withdrawing money at the atm in front of XXXX. A XXXX man who spoke good XXXX offered to help me. As he was explaining how if I took dollars instead of XXXX  I would avoid fees, he took my debit card & inserted a card into the atm. While doing so, he actually inserted a different card & kept mine. After racking up XXXX in charges & atm withdrawals I noticed and called Wells Fargo. They told me it could take up to 10 days to issue me a provisionary credit. Yesterday on the 9th day they told me my claim was denied. I told them this was unacceptable as we live on a fixed income. My boyfriend took over the call and the result was they would reevaluate the denial & get back to us. I have been a Wells Fargo customer for 20 years. I have never filed a fraud claim. In those 20 years I have made many automatic deposits for my accounting business. We have also heard of this happening to other friends & people. Does anyone have experience in this or suggestions?? 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-08-12
Company: Block, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On sunday XX/XX/22 my daughter sent me her savings from her CashApp account to be placed in her external bank account by me. She sent it to my old account that I no longer have access to the phone associated with the account. I have called, emailed and chatted with support almost daily since the occurence. I have given then plenty of identifying information and they still tell me I don't pass their " required data points '' to regain access. I have been told the money is still sitting in my old account and they refuse to even send it back to my daughters account. It is over {$500.00} they are keeping and I cant even get the to tell me any reasons for this. They state " we can not provide you any more information in this case. '' That is not okay!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, Midland Credit Management called me at XXXX PM, they did not leave me a message as I pressed ignore. I received a second phone call XXXX minutes later at XXXX PM on XX/XX/2019, I pressed ignore and again they did not leave me a message. They have been calling me repeatedly for days on end every time not leaving me a message. I do not know why they are calling. I searched for the phone number they are calling from XXXX and that is how I have gotten their name. I do not have any business with them. The amount of times they are calling is bordering on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2022-05-02
Company: Consumer Portfolio Services, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was transferred over to Mr. Cooper approx. 2 years ago. They are truly the most incompetent lender I have ever dealt with. 

This is the second time ( within months ) that they have claimed I don't have enough Flood Insurance, which I do & I've proven it each time. 
The first time they claimed this they took extra payments out of my personal checking account ( {$140.00} x4 ) this was done without warning or notice. After proving them wrong they finally realized their mistake and after months of frustrating phone calls & emails I was finally reimbursed {$560.00}. 

They are now doing the exact same thing again and its only been approx. 5 months since the last debacle and there has not been any change to my Flood Policy. ( After the first nightmare I canceled my automatic payment so they wouldnt take more than my loan payment ) They are now threating me saying Im behind in my payments, theyve also tacked on late fees and theyre ruining my perfect credit. Ive reached out the insurance department and they have informed me its their mistake, again but they have not done anything about it. 

This seems to be an ongoing scam by Mr. Cooper. They take your money and make it very difficult to get through to them. They have rude credit collectors calling me daily. I have never missed a loan payment & I have a credit score of at least 780.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
I would like to file a complaint against the Transunion and XXXX credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party, not from my own filings or from a court. This bankruptcy has been deleted from my credit reports with XXXX. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions XXXX Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Company called me 10 times in a row Company called my job about debt Company sent strangers to my house to harass my family and i Company sent fake law suit to me

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 2023-01-04
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attached my Venmo account to my newly downloaded XXXX app for the sole purposes of getting a discount with a trial membership. When I attempted to use my *gift card* balance for the purchase ( rounded to {$42.00} with a donation ), that money was instead taken from my bank account via Venmo. I contacted customer service. They said they could not change the payment method after the order was placed. I was offered a {$5.00} discount off my next purchase at first, then {$7.00} after I got upset. They said they couldn't change my payment method after an order was placed. I was ordering because my partner is sick and specifically requested XXXX XXXX, and I didn't want the order cancelled, so I said something undignified and told them not to cancel the order. As it turns out, XXXX wasn't planning to cancel my order, regardless. ( It may be that the restaurant had already started cooking or they were giving me what feedback they were in order to mislead me into not cancelling it. ) My prior interactions with XXXX have been frustrating. A friend placed an order in one case with a similar result to this one. In XXXX, I placed an order that never showed up but stayed in " waiting '' for hours. Thankfully, it was at least fully refunded. I have avoided XXXX since and only used it, this time, because I had a gift card. I attached my Venmo so I could avoid their exorbitant fees with a free trial membership only for this nonsense to happen. This is definitely a problem with XXXX and maybe one with Venmo. 

I placed pertinent order with a scheduled delivery time of XXXX on XXXX XXXX, XXXX. Order number is XXXX. I have attached screenshots of my interaction with customer service, as well as my order. I am not proud that I cursed. It's not my habit.

Company response to consumer: Closed with explanation