BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In addition to consumers having the right to privacy THE BUREAUS INC is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only. 

THE BUREAUS INC has not conformed and is in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a collection from XXXX XXXX XXXX in the amount of {$58.00} on my credit report. This information was previously reported by XXXX XXXX, and subsequently deleted after I disputed it and filed a complaint. 

Since the reinsertion, I have not received a notification of the information 's reinsertion, as required by the Fair Credit Reporting Act, 611 ( 5 ) ( B ) ( ii ) - ( iii ). The information has been on my report for longer than the 5 business days after reinsertion mentioned in 611 ( 5 ) ( B ) ( ii ), and I have not received any information from Experian and I was not provided any information listed in 611 ( 5 ) ( B ) ( iii ) ( I ) - ( III ).

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}

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 2021-03-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received email notice that my PayPal Account has been permanently suspended due to unspecified fraudulent activity. This suspension comes a week after I provided PayPal with all requested documentation to establish account ownership. The fraudulent activity that is alleged in the initial and permanent account suspension notices has not been explained and no process for addressing the issue beyond providing documents is available. 

The complaint I am making is not the issue of account suspension, but rather the fact that PayPal is now holding all the funds in the account for 180 days with nothing more than a statement saying that they will contact me in 6 months. 

So for 6 months, PayPal will be holding my money ( and using those funds in its transaction clearing pool ) while preventing my access to funds that I own. This is little more than petty theft. 

Secondly, a portion of the funds in my account are held in cryptocurrency, which we all know fluctuates rapidly in price. I fully accept the risks inherent in freely trading a volatile asset. What I dont accept is the trade platform arbitrarily eliminating my ability to trade those assets for an unreasonable period of time. PayPal offers the ability TO TRADE ( ie buy and sell ) cryptocurrency ; I am being forced to sit and watch my funds as the price fluctuates for six months with NO ABILITY to decide whether to buy or sell. In 6 months, this portion of my account could be worth a million dollars or zero dollars and there is nothing I can do about it. The price of the asset is a market risk, but PayPals decision is consumer abuse. 

I am not concerned about the random account suspension, nor the actual amount of money involved. I am extremely concerned about a financial gatekeeper having the ability to arbitrarily restrict access to funds, while also continuing to use those funds AND to affect the overall value of those funds OUT OF THE CONTROL of the account owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was forced into a bankruptcy, my ex-wife decided she wanted to stay home and not work, and it doomed us. After the bankruptcy went through I noticed an error. I had a vehicle through Wells Fargo Dealer Services that was not to be included in the bankruptcy. I learned later that it was even though I made all payments on time every month and paid the vehicle off. By law, any type of error is supposed to have the bankruptcy removed. Despite letters to both the credit bureaus and Wells Fargo, my request was ignored and denied, and the bankruptcy was never removed. I did not receive any positive credit for paying for the vehicle and paying it off, there fire affecting my long term credit. I simply would like the bankruptcy removed as the law states. PLEASE HELP

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 2021-09-29
Company: Asset Management Outsourcing, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with NATIONWIDE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: National Credit Systems,Inc.
State: AL
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 was a resident at the community regency gates From XXXX. I was not in a lease and I was paying month to month, I left the community in XX/XX/2018. Shortly months later in XX/XX/XXXX I get an alert from merchant adjuster out of XXXX stating I had a balance from my former apartment complex. I then called the apartment complex within the second week of XXXX and spoke with someone by the name of XXXX I believe. I asked why was I being charged these fees? She advised me it was for the time it took them to find an occupant for my apartment. I then advised her how was that so when I wasnt in a lease? I advised XXXX that the prior manager XXXX ( who is no longer employed there ) told me that I would not need to submit any notice prior to moving out due to me being month to month and not in a lease. I advised XXXX this was told to me verbally over a phone call in early spring of XX/XX/XXXX. I was not evicted, I was not let out of anything. I simply saw a new community that I wanted to live in and moved. This issue seems to come from the community itself and their miscommunication. The problem is that I moved out in the middle of a management swop and something had to be handled improperly. Over the past 2 years almost 3 I have sent in many disputes to the current collection agency as to this account being false and still to this day as I write this misinformation still stands. I am trying to by a home for me and a XXXX XXXX child and this account is not ok to have on my credit and is completely false. I need this fixed and rectified quickly and swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: World Omni Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX made a {$1000.00} payment to Southeast Toyota Finance on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted Southeast Toyota Financing only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; SETF could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX.. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
Southeast Toyota Finance appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection Agency : Scott & Associates PC ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX XXXX. 
File Number XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities, and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers, and also attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XXXX, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Blakely-Witt and Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Saturday XX/XX/2018 I viewed an apartment at the XXXX XXXX XXXX XXXX XXXX. As part of the application process, the leasing agent requested that I sign a Lease Contract Contemplated. The Lease Disclosure of this document states that I am not approved until management countersigns the document. On Sunday, XX/XX/2018 I withdrew my application. The leasing agent responded asking if I wanted to see another larger home. However it was out of my price range. The next day, I received a invite from another leasing agent to view a larger home. 

On XX/XX/2018, I received a notice from management stating that I would receive lease break fees if I chose not to occupy the home that I had withdrew the application for.. The manager had proceeded with processing my application, despite my XX/XX/2018 application withdrawal ( SEE XXXX EMAIL ). He provided a countersigned Lease XX/XX/2018 ( see time stamps ). He provided me an Lease Break invoice with the wrong withdrawal of application date ( XX/XX/2018 ) and noted Paragraph 10 Lease Break stipulation. 
When asked about this error, the leasing agent stated that he management did not report to work until the XX/XX/2018. However, I don't see how this would impact noting the correct date that I withdrew my application. 

Paragraph 9 of the Lease Contract Contemplated- Lease Disclosure states that withdrawal of the lease application prior to approval would result in loss of application fee and deposit, with no further obligation. I have relentlessly tried to resolve this with XXXX XXXX, XXXX XXXX XXXX, XXXX @ Corporate ( no response ) and Blakely Witt and Associates for a settlement. The collection agency is demanding a paid in full settlement despite the nature of the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Bridgecrest Acceptance Corporation
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: Old information reappears or never goes away

Complaint:
I had a car loan in XXXX, or XXXX from XXXX XXXX XXXX and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX  I deposited a check for {$190000.00}. It was a third party endorsement check. Both owners on the check physically came into Chase bank along with me and verified their endorsement and desire to make the check payable to me. This was a requirement due to the check being a TREASURY CHECK. Afterwards I was told the check was valid and Id be receiving my funds from being restricted. 24 hours later I was told I WILL NOT be receiving my funds and over 8 back office representatives had no reasoning why. It was made very clear theres nothing illegal thats preventing me from receiving my funds but they simply are refusing to release my funds. This is a blatant violation of my policy agreement. Today I was ridiculously told that Id need a letter from the IRS stating XXXX AND XXXX XXXX provided me with the check, I even had her note my account of that stupidity. Since when does the IRS write letters or become involved in personal affairs. CHASE POLICY ON THIRD PARTY ENDORSEMENTS ARE CLEAR. ALL PRTIES ARE TO SIGN AND MAKE THE CHECK PAYABLE TO WHOM. I SATISFIED THAT REQUIREMENT AS WELL AS PHYSICALLY HAD THE PARTIES COME INTO THE BANK .. My signed agreement upon opening my account does not legally bind me to provide no letters of any kind to release funds of third party checks, ESPECIALLY AFTER THEY HAVE CLOSED MY ACCOUNT! If I were a XXXX XXXX this would not be happening to me. This is a financial crime on behalf of JP MORGAN CHASE! To ask me to contact the IRS on behalf of two other people is hideous. Furthermore, they asked me the purpose of the funds and they said if I can provide documentation of its purpose Id receive my Funds from the closed account. So I provided a notarized bill of sale showing I sold my inherited tractor trailer from my deceased grandfather to the XXXX and they signed the bill of sale. That was a lie to, because they refused to again release the funds. After myself and the XXXX Left Chse bank from verifying our identities and they confirmed the legitimacy of the Treasury check and informed me id receive my funds I trusted Chase bank so I released my tractor trailer to them. Now a month later I dont have my truck or my funds because of the lack of enforcement of Chase to its own policy agreement. 

My Account # : XXXX My Ssn : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Merchants and Professional Bureau, Inc.
State: TX
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 filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
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:
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Synergetic Communication Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice in the mail today XX/XX/2021, dated XX/XX/2021, regarding a discounted payment offer of a debt I am unaware that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Shellpoint Partners, LLC
State: NY
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:
Im NOT disputing ownership of this loan! 
My dispute is to question WHY Shellpoint mortgage CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX. I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX, XXXX & XX/XX/XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX, XXXX & XXXX, XXXX! From XX/XX/XXXX when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX, XXXX, XXXX and XX/XX/XXXX! It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: OH
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:
I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was XXXX hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig XXXX of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

Thank you

Company response to consumer: Closed with explanation