BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: Model Finance Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX with Model Finance in XXXX XXXX CA has contacted me multiple times by phone and text ( also attached photos of another family member 's home ) on the pretext of trying to collect a debt from my XXXX yr old son who does not live at my home. He also had a representative deliver a letter to my home and a letter to another family member 's home addressed to my son - who does not live with either one of us. I had no part in the financing or application for financing for the recreational vehicle for which he says a debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from XXXX XXXX I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called XXXX XXXX they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a card reported on my credit that is not mine. I don't recognize this credit and I have not applied for this credit card in the past. I tried to contact the company and they said that this card is in the collection and they don't have access to this card anymore.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account 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 non-monetary relief
Consumer complaint received 2019-02-15
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan was for {$480.00} and some change. I selected the installment plan option, and I made the first of three installment payments two weeks ago. I called to ask him if I could extend the payment bye two weeks because my money was short. They said no, and that they would cash my check as if I had not made the first payment. So, I will be out of overdraft fees in addition to the extra {$18.00} for a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Complaint XXXX was submitted XX/XX/XXXX It has been over 60 days without a response. According to CFPB, the company has 60 days to answer. So this XXXX should be deleted from my credit reports.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX  account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX  account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong 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 2023-03-25
Company: Ray Klein, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A monthly cell phone bill was paid after being prorated for actual daily use. The service was cancelled with the provider ( XXXX XXXX ) because of customer finding a better service. 
Consumer cellular called XXXX times over a period of 2 months. I discussed the issue with the XXXX XXXX rep, and they told me that I had to pay for the full month of service. They informed me that their contract with me does not allow proration of service. I wrote a complaint letter to XXXX XXXX explaining ( after reading the contract again, that there was nothing in the contract that prevented pro rationing of daily use service upon cancellation. 
I did not hear anymore from XXXX XXXX until about 6 months ago where their collection agent, Professional Credit Service sent me a demand for payment ACCT # XXXX. I wrote them a letter stating the same information that I sent to XXXX XXXX. The collection agency has not responded and continues to send me a demand for payment letter. 
I do not owe any amount to XXXX XXXX and have paid them in full for services provided. 

XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2019-02-15
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:
Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.

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 2022-11-27
Company: Professional Recovery Management
State: FL
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:
It has been brought to my attention that multiple fraudulent accounts have been set up in my name. This account looks to be a hospital bill which is a HIPPA violation. My personal information, including medical history, has been used to report to my consumer credit report. Please respond with the contract and all authenticated records of accounting, including tax filings. Send all of these documents within 30 days of receiving this notice. I am entitled to this information according to UCC9-210.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: KS
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 wrote to XXXX XXXX XXXX XXXX after seeing them listed as the creditor of an account I didnt recognize on my credit report. I requested they provide me with proof a credit transaction had taken place, specifically, a contract for such bearing my signature. I informed them they had 30 days to honor my request, and if failed to do so, federal law requires the removal of the credit reporting. After 30 days and no response, I wrote again providing notice that as a data furnisher, their non response and continued credit reporting of the account was a violation of the FCRA. Ive attached both certified letters with return receipts, as well as copies of the reporting on my credit reports. 
The law states that XXXX XXXX XXXX XXXX has a duty to perform, not only as a creditor, but also as a data furnisher. In spite of receiving both of my letters, they still havent returned any correspondence and they still report the account Ive disputed. 
As a result, Im forwarding this to Equifax and XXXX, to inform them that this account can no longer be furnished on my credit report due to the noncompliance of the company reporting it. I ask for prompt attention to this matter. 
A copy will also be sent to the Federal Trade Commission and the Kansas Attorney XXXX XXXX XXXX XXXX XXXX XXXX and request they see that the corrective action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.

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 2019-02-15
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: Account information incorrect

Complaint:
Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.

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 2023-09-08
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I called to accept a settlement agree with patenaude & Felix I was honest I owed the debt from more that 20 years ago and I wanted to take the settlement offer but not the amount they stated also stated this to each representative.

I gave the representative on the phone my bank information which he repeated everything back to me including the bank name. 
He gave me a confirmation number and told me a total of {$300.00} dollars would be debited from my account monthly on the XXXX of each month. 
When the XXXX of XXXX came no money was drafted I look at my bank statement online nothing was drafted I call the law office of patenaude and Felix. No one answered I called 13 times and left messages the phone calls were never returned and also emailed them. 
I called on my off day Thursday XXXX XXXX a representative name XXXX XXXX answered I said I called you several times and they had been no responses I even sent an email I asked why my payment never posted and she stated it was still pending I said I called my bank and they said nothing was pending she continued to give me a confirmation number and a cheaper amount which the court settlement was for years ago and a smaller settlement offer. And she stated the payment was still pending and it would take 7 day because of the holidays. 
I said ok, she said on Monday it would clear I knew she was lying because my bank said nothing was even pending. 
On tue XX/XX/XXXX she called me on my job and said to call her back immediately because my payment never went through my check bounced I returned the call once I got my lunch break she said my check bounced and I said youre lying because the money is in the bank she said I committed check fraud against there company and I didnt have the funds I said no that not true youre continuing to making excuses and lie. 
She said oh it because your paying with a pay card I said that a lie also other creditor having been paid off with this same pay card she continued to talk over me and ignored me and said I did not have money I said I can pay today by my debit card she took my information and all payments went through I stated I knew the money was there she said oh well continue to make this payment up until XXXX I spent my whole lunch break speaking with this company they have a lot of deceptive practices and lie constantly to consumers and needs an investigation done I hope something is done for people like me and other But I will continue to push for this company to be investigated because fraudulent practices are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are inquiries posted on my report that are unknown to me and it is concerning : XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. 
XXXX, XXXX ( TWICE ). 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
Consumer complaint received 2018-11-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last XXXX we had some extra money after taxes, so we decided to send it to the mortgage company to apply towards our principle. Our payment each month is automatically drafted, and never have we missed a payment. On XX/XX/XXXX I noticed that my payments were not being drafted as usual, so I called the company. They couldn't tell me why the auto draft wasn't working, but at that time he told me that I was paid up until XX/XX/XXXX. They had taken my payment of {$5100.00} I sent extra in XX/XX/XXXX and reversed it the next day and applied it towards monthly payments instead. This didn't reduce my principle like it should have and I continued to pay interest on a higher balance. The customer service person said they would fix it and I see there have been many adjustments to my account, but not in my favor. Currently they say I owe exactly the same principle balance that I did last XX/XX/XXXX that I do now. I have paid a total of {$16000.00} over the past 7 months, and over {$6200.00} was extra principle payments above my mortgage payment. If PennyMac is doing this to my account, I can only imagine how many other accounts they are doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: First Credit Services Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Credit Services has attempted to contact me abusively by calling me multiple times a day with spoofed phone numbers at random intervals. I have already mailed them multiple written requests to respond to me only in written communication which they have blatantly ignored. I also asked for proof that I own this debt, the chain of custody on the debt, from whom they purchased the debt from, when they purchased the debt, and if they are wanting a settlement or a full lump sum. They have not responded to this request either. Phone calls from First Credit Services are as follows : 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 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 response to consumer: Closed with explanation