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

Complaint:
RMP services has sent a medical bill to XXXX before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( RMP ) has received the original debt XXXX XXXX XXXX XXXX RMP received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didnt receive an itemized bill from them. RMP turned that medical debt into all three credit companies, XXXX, XXXX and XXXX, on XX/XX/2022 that is two months after they received the original debt. XXXX and XXXX are the only ones reporting this. Ive received out but getting no where. This is really affecting me cause Im in the process of buying a home. I just want my time that by law Im entitled to. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2019-07-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive REACH OUT TO EXPERIAN SEVERAL DIFFERENT TIMES ON THIS MATTER OVER THE PHONE AND I ALSO SEND COPY OF MY CORRECT INFORMATION AND STILL NOTHING BEEN DONE. IT BEEN 3 MONTH AT THE LEAST AND EVERY TIME I CALL IN I GET THE RUN AROUND. I DO I HAVE EXPERIAN MEMBERSHIP WITH THEM SO I AM ABLE TO VIEW MY CREDIT REPORT ON A DAILY BASIC. THE INFORMATION THAT IS INCORRECT IS MY EXPERIAN CREDIT REPORT IS MY LAST NAME WHICH THEY DONT LIST MY WHOLE LAST NAME BUT PARTS OF IT. IVE CALLED IN AND EXPLAIN TO THEM AND THEY STATE THAT ON MY CREDIT REPORT IT SHOWS MY FULL LAST NAME BUT WHEN I EXPLAIN TO THEM ON MY PERSONAL SUMMARY ON MY CREDIT REPORT IT SHOWS MY NAME AS FOLLOW XXXX XXXX XXXX WELL THAT NOT MY LAST NAME AT ALL. MY LAST NAME IS XXXX MY FULL NAME IS XXXX XXXX XXXX OR IT CAN BE XXXX XXXX XXXX  XXXX BUT THEY ARE MISSING THE XXXX ON MY LAST NAME WHICH IN TURN I DO HAVE A MEMBERSHIP WHICH IS MY MEMBERSHIP NUMBER IS XXXX WHICH I WAS TOLD THAT THE ONLINE PART HAS MY INFORMATION INCORRECT WELL IF THAT THE CASE CAN THEY UPDATE THAT INFORMATION. I CANT EVEN DO A 3 BUREAU TO SEE WHAT IS ON MY OTHER CREDIT REPORT WITH EXPERIAN DO TO THE FACT MY NAME DOES NOT MATCH ON ANY OF MY OTHER 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: PA
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:
After recently looking at my credit report, i noticed some un authorized inquires. Can you kindly removes these as it is hindering my credit. 


Thanks in advance.

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 2023-07-07
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Theyve contacted me via email, phone calls Since XX/XX/XXXX they been contacting me multiple times as Ive been working. 
Today XX/XX/XXXX they called me again while Im at work with manipulative and threatening tone. 
XXXX XXXX has contacted me from Phoenix Recovery Group, I have no contract with that company also I do no know who are they to be reaching out to me. 
Ive told them to reach me via mail, yet they still choose to call me. 
15 U.S.C. 1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: PA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to The Gramm-Leach Bliley Act seeks to protect consumer financial privacy and nonpublic personal information which Bank of America is invading my privacy and nonpublic personal information. According to the Gramm-Leach Bliley act I the consumer have the right to opt-out ( which Bank of America NEVER disclosed to me that I have the right to do so ) if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Bank of America to have or distribute my Nonpublic personal information. in attachment this is all included in ( NPI )

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 2022-11-06
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/2019 someone requested a loan from Cashnetusa.com in the amount of {$1500.00} which I didn't requested but my information was used to deposit it into my account. I tried to contact customer support and have them stop the loan but it had already been transferred to my bank account. I was put in poor credit status because of not paying that loan back that I didn't request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to XXXXTransUnion on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.

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 2022-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX I called usaa to notify them my card was stolen as well as my car with my cell phone inside.I was XXXX XXXX XXXX XXXXXXXXCovid is still going on so they requested we not bring anything inside the XXXX..I filed a police report and immediatley sent it to usaa, I didnt use this account much .On XXXX i checked my balance and my acccout had not been shut off and XXXX dollars was gone .Usaa said this wasnt fraud and said my account was overdrawn this amount, Who ever took this had acess to my cell phone so they spent the provisinial credit and transferred money from my other usaa account where my paychecks were deposited.Im out all this money and then my tax refunds hits and usaa keeps it on a closed account, Now usaa has sent several letters stating they need my social security number id and adress because they dont have it for my other account, How can they not have it? how have they been veryfyig anything without that info? Im out all this money and they have no clue who i am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am not receiving my money in my checking account from winnings I purportedly received from my online cash games. I was receiving notices on my online checking account that I was receiving " Uncatagorized '' items but those would just disappear. XXXX customer service representatives didn't know what " Uncategorized '' meant either. 

I bank with XXXX XXXX XXXX at their XXXX branch at XXXX XXXX XXXX, XXXX, FL XXXX and their Fraud Center phone number is XXXX. I understand that XXXX has been communicating with PayPal regarding my winnings. 

I cashout from my online games with PayPal and their customer service department is XXXX and their email address is XXXX. Their corporate offices are located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal receives the money from these online games and then PayPal then sends the money to my checking account.

I don't know where the disconnect is happening that's preventing me from receiving my money. The games signifyonline in the games cashout sites that the money was sent to PayPal. My PayPal account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a medical bill that I have been paying monthly since XXXX of 2019. The amount was XXXX and it is down to XXXX I have been paying this amount to XXXX XXXX, XXXX ; however, I received a bill yesterday from Wakefield & Associates - XXXX XXXX, XXXX / stating i owe XXXX and i have a 9 % interest rate. I do not know why this company is claiming amount owed is XXXX nor why there is an interest on a medical bill. 

My account was never transferred to Wakefield & Associates..CEP IS STILL TAKING CARE OF THIS BILL. THIS COMPANY IS A FRAUD. 

XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-07-07
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Adjustment Co fraud entry reported a debt on my credit bureaus stating I opened an account they bought from Personify XX/XX/2023 as to start the statue of limitations over. This has negatively impacted my mortgage loan that I was in the process of receiving. I disputed this debt with all 3 major credit bureaus as this is a violation of the FDCPA False, Deceptive or Misleading Representation as well as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased a XXXX from XX/XX/XXXX to XX/XX/XXXX. I turned it in and completed the payments. 

Starting sometime in XXXX I began receiving dunning e-mails from : XXXXXXXX XXXX XXXX XXXX Text included : Your XXXX XXXX XXXX XXXX Final Payment Is Overdue VIN : XXXX You have an overdue payment of {$4800.00} associated with your XXXX XXXXXXXX XXXX  XXXX Verify your payment details and make payment now. You can review a breakdown of charges in the Previously Owned section of your XXXX Account. 

I move those e-mails to trash automatically. 

Today, however - XX/XX/XXXX, I received a telephone call from " XXXX XXXX '' and " XXXX XXXX '' at ( XXXX ) XXXX XXXX. Both insisted they were collecting my outstanding debt. Both stated that they work for : McCarthy Burgess & Wolff, in XXXX Ohio. They had all my personal information associated with XXXX. 

Because they have now moved from annoying e-mails to potentially harassing phone calls, I humbly request that you get involved as soon as possible to have them cease and desist such phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation is the result of a misunderstanding or error, as I have always strived to comply with PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various legitimate transactions and have made every effort to adhere to all terms and conditions set forth by PayPal. To the best of my knowledge, there has been no suspicious or fraudulent activity associated with my account. 

Understanding the importance of maintaining trust and security within the PayPal community, I kindly request that PayPal re-evaluates my case thoroughly. I believe that upon further review, it will become evident that this limitation was not warranted. It is my sincere hope that you will consider lifting the limitation and reinstating my PayPal account. 

I value the convenience and security that PayPal provides for online transactions, and I would like to continue using your services. I am more than willing to provide any additional information or documentation necessary to assist in the resolution of this matter promptly. 

I am confident that PayPal 's commitment to fairness and customer satisfaction will guide you in making the right decision. I kindly request a second look at my case, and I hope to see my account fully restored in the near future. 

Thank you for your attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXXXXXX XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ).

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 
If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).

Company response to consumer: Closed with explanation