BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting this comply remove/delete this item from my credit profile. I have reached out to them numerous times in regards. 

I also am a victim of identity theft, my credit profile was once locked before with all 3 credit bureaus and all 3 credit bureaus also have my identity theft police report. 

PROFESSIONAL DEBT Original creditor : XXXX XXXX  {$12000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-08-02
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The medical debts for the amounts of ( {$190.00} and {$38.00} ) they put on my credit on XX/XX/2021 were supposed to be covered by my healthcare insurance. Because when I went to the emergency room the only payment I was asked to pay was the co-pay and I was told by the emergency staff that the insurance will take care of the rest. I've already clarified this matter in multiple occasion that they should review their medical bill coding system, because my healthcare insurance stipulates that I should only be responsible for on the copay. 

I explained that in multiples occasions to these debt collectors they keep putting this on my credit and messing with it. At this point, I'm seeking damage reparation on my credit. Below is their address and phone number : ( XXXX ) XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/2021 I submitted an application to get a quad loan. Instead Cash Net USA came up and the stated they will handle my loan. I called the young lady that told me about the quad loan, she told me that none should be involved and quad is a app that you download to get a small loan for small purchases. Cash Net had approved me for a loan in the amount of {$1400.00}. I'm a senior citizen on a fixed income, I only get money once a month and I can't afford to pay the type of money back. Also their system read that the name wasn't matching the information I provided. I used my maiden name and XXXX contacted me, because they have my married name on file. I explained this to the representative and I was told to spell my name using upper or lower case. I immediately tried to contact their company to cancel that transaction. I never received a response that the transaction was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
Account : XXXX Fraud ADDRESS : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX Outstand Balance : {$340.00} Victim : XXXX XXXX This submission is regarding a conversation I had with a XXXX XXXX XXXX XXXX  ( XXXX ) rep i had on XX/XX/XXXX. I was following-up on a case regarding stolen identity. 

Background : I moved from XXXX XXXX XXXX to XXXX XXXX  back in XX/XX/XXXX. Subsequent to my move, an unauthorized utility gas account was opened in my name on XX/XX/XXXX at the address listed above. Apparently, the individual failed to pay and XXXX filed a non-pay inquiry to the credit bureau Experian. On XX/XX/XXXX, I filed a complaint with XXXX  which is when I identified the fraud against me because I was applying for a mortgage in XXXX  and could not secure the loan due to the negative inquiry. I supplied XXXX with a police report at that time. Please note, according to XXXX customer relations, they received the credit report on XX/XX/XXXX but have yet to do anything. Back in XX/XX/XXXX, I was able to secure my mortgage loan due to that police report and I did not pursue following-up on the investigation of identity theft with XXXX. Now, on XX/XX/XXXX I was attempting to re-fi my mortgage and due to this inquiry on my credit report the mortgage company would not move forward with the re-fi. On XX/XX/XXXX, I reached out to XXXX to continue this follow-up from roughly two years back. I requested to have a XXXX supervisor contact me regarding this matter as well as provide me with the information taken when this account was set up. I have yet to receive any follow-up from XXXX regarding the matter. 

Important Note : The police report indicates the plaintiff company is XXXX XXXX XXXX but that's only because XXXX was bought out by XXXX since the time of the incident. 

My credit has been negatively impacted due to this issue thus preventing me from being able to refinance my mortgage or obtained a more favorable credit score.

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 2021-08-02
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had over {$20000.00} in damage done to my house by a hail storm on XXXX XXXX. My insurance company has been sending me checks to cover the damage and I have to endorse them an sent them to my mortgage company ( Home Point Financial Corporation-loan # XXXX ). I have received 5 checks from the insurance company so far and I will be receiving 1 more in the next few days. I received a check issued on XX/XX/2021 for {$13000.00} and I signed it and sent it and I received it back from home point about 20 days later. I received a check dated XX/XX/2021 for {$770.00} and a check for {$120.00} dated XX/XX/2021 in the same envelope and signed them and sent them to homepoint in the same envelope. They sent the check for {$120.00} back to me but not the one for {$770.00}. I received a check for {$2300.00} dated XX/XX/2021 and sent it to home point the day I received it. When I call home point they tell me it takes about 10 days to process and send the checks back. Whenever I call them, they say the checks are in processing. I will be XXXX XXXX XXXX this week and I can't take the stress home point is putting on me, Why home point is continuing to hold the checks I don't know. All the work has been done and the contractor wants his money and I don't have it to pay him because home point has not sent the checks back so I can pay him. The last check they did send me back, I had a hard time cashing it because it was over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NJ
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:
XXXX OF XXXX My identity was comprised and these were attempts to open fraudulent credit cards under my name. Please view attachment below of report. 

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 Under 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Williams & Fudge, Inc
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started school inXX/XX/XXXX at XXXX College. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I never made a payment and I defaulted on my loan with XXXX XXXX XXXX. I was also out of school XX/XX/XXXX toXX/XX/XXXX. I was then in school fromXX/XX/XXXX toXX/XX/XXXX ... XXXX then made a false claim that I made three payments of $ 600+ in XX/XX/XXXXand closed my account. Impossible since I was still in school. ( XXXX XXXX XXXX campus ). Since then I consolidated my loans and according to CA law the SOL is 4 years from time of first default to sue, well in XX/XX/XXXX, I get a notice that XXXX sold my account to Williams and Fudge. 6 Years from the first default and now Williams and Fudge is suing me. XXXX is a total SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a cosigner on a auto loan for my Daughter-in-law 's car. Back in XX/XX/2020 Capital One auto finance came and took the car for a broken payment arrangement. I paid Capital the payment that day and got the car back from tow company. We've paid and had possession of the car until this year when it was sold to XXXX and paid off. I would like for the repossession to be removed from my credit report. It is affecting me from getting a loan. I believe it's only fair since we had and paid off the loan. Capital one never took full possession of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MD
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 have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

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 2023-11-09
Company: Global Lending Services LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BARCLAYS BANK DELAWARE
State: MT
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am.trying to withdraw amounting of XXXX XXXX and they ask me to add LOCAL BANK ACCOUNT which is I did. They asked me to try after 48 hours and I did wait for more than 48 hours now still they don't allow me to withdraw it. We are on a lockdown/quarantine because of COVID and I badly need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 2021-08-02
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I attempted to use my Macy 's store card on XX/XX/XXXX and was told that the store card had been closed. I assumed that it was due to non-use because of the covid situation. I am a XXXX and have a seasonal home in Florida. I had been a client of Macy 's since XXXX with excellent credit rating and payment history. I attempted to reapply but was told that Macy 's did not accept XXXX information. I wrote to the president, XXXX XXXX and was answered by MrXXXX XXXX XXXX that all XXXX accounts had been closed. 

I feel that this policy is discriminatory under the federal Equal Credit Opportunity Act under the section national origin. Department Stores National Bank decided to close all XXXX accounts and it is now impossible to apply for a store credit card without having US government issued ID, which for me is impossible. 

I am a US homeowner, had been a client of Macy 's since XXXX and feel that better care should have been made in the selection and retention of well-paying customers. Why are canadians not allowed to benefit from the advantages and rebates of this store?

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 2023-11-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/, i received an email that may account in Paypal was permanently limited. I dont know why. I message them, email and call and they say that violate their acceptable use policy. Result of that, i will no longer use their services as they said But on XX/XX/XXXX, i received an email that they confirm my identity based on the proof that i have given and aside from that, my hold balance was lifted and they gave me additional fund. on the email that i received, it says thay they will lift my limited account but still it was not lifted and nothing change

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: IN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1994 ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 need XXXX blocked from reporting on my credit. 
Also need XXXX XXXX  block from reporting on my credit, I was identity thefted. And I do not have a balance with either account. I've never had balance on XXXX XXXX, and what I ordered on XXXX I paid out time and all amount owed hat balance in not mine. I need the accounts removed and the companies BLOCKED due to identity theft. Theses accounts are fraudulent.

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