BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When applying for a home loan I discovered an unknown collection account from XXXX XXXX XXXX. They are supposedly collecting on behalf of XXXX XXXX. Since I had no knowledge of this debt nor ever had an account from XXXX XXXX I immediately disputed the debt with the three credit bureaus on XX/XX/XXXX. The dispute came back VERIFIED. I then contacted XXXX XXXX XXXX directly which is really another company called Resurgent. They were able to provide some limited information, none of which was accurate. The service was supposedly for a landline telephone but they couldnt even verify the service address. They made me update my contact information because they didnt even have a valid address or telephone number to contact me. I then contacted the original vendor, XXXX XXXX, who had no information on the account. I dont know how they can VERIFY the debt when they dont have proper information on file and the original creditors information doesnt even match mine. They said I could request a debt validation but they discouraged it as it would take 60 days. The law states 30 days so they were trying to get me to settle for debt I dont owe verses verify its legitimacy. To top that off the date of last delinquency showing my credit report is XX/XX/XXXX when they themselves state the correct date is XX/XX/XXXX. They told me they have no ability to correct it. According to my mortgage company something from XX/XX/XXXX hurts me much less tan something from XX/XX/XXXX. My last communication with XXXX XXXX was with XXXX on XX/XX/XXXX. I would like these unfair and inaccurate collection processes to cease and for the reported item to be immediately removed from my credit report. I have attached a copy of the current credit report highlighting my notes and the date of last delinquency that is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previous Complaint number : XXXX is unresolved. Still no verification of debt has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank is not sending accurate information to an application. I have funds and it is showing that I do not have any.

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 2020-05-25
Company: EQUIFAX, INC.
State: HI
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 bought a 35 mm camera at XXXX.When there I applied for a XXXX XXXX card.The date for this was XXXXI applied for the XXXX  card because I wanted to save {$25.00} on the purchase of the camera. Equifax gave them my past history.It was never revealed to me what past history was used. There is a Statute of Limitations for Debt collection. I want Equifax to put in writing the reason I was turned down. Not 'due to your past history etc. 'What 's the reason? Where are the facts? 

sincerely, XXXX XXXX PS. Your Complaint process is too long and hard to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  claims that I owe them for leasing an apartment or home. I have never leased an apartment with those people. I have lived at home address for 25 years and just moved to a condo. This account was opened fraudulently and I have already filed a police report over a year ago. I submitted the police report to all 3 bureaus and XXXX and XXXX have already removed the fraudulent account. For some reason no matter how many times I speak with someone and dispute the item and send in my police report Equifax does not want to remove it. They told me based on the info the creditor gave them they have verified that the item belongs to me which is totally UNTRUE and UNFAIR. This particular debt is ruining my life my signature was forged on the lease and they are making me suffer. I recently disputed it again and I was told 3 days later the dispute was completed and it will remain on my credit report how can they investigate in 3 days? This is insane!! These people can not prove that I lived in an apartment it is not tied to anything else on my credit file. I did everything I was supposed to do now Equifax needs to remove this item I am tired of dealing with this and plan on taking legal action very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Contacted TransUnion customer service and spoke with  XXXX  she would not help and take care of the negative inquiries reporting to your credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2020-06-23
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reporting the company Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

They keep contacting me for the last two years, trying to collect a parking ticket that occurred in XXXX on XX/XX/2015. I paid the ticket on XX/XX/2015, using a wire transfer. The ticket was for XXXX euros. I sent the documentation that the debt has been paid. 

They engage in deceptive practices, adding " late payment fees '', inflating the debt from XXXX euros to {$150.00}, and then with their fees to a total of {$300.00} dollars. Of course, given that the ticket was paid within 4 days, there were no late fees. 

They ignore the documentation that the debt was paid, and try to collect, threatening to report the debt to credit bureaus, hoping that the customer would be willing to pay a ransom to these scammers, to avoid any issues with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In early  XXXX  of  2017 , I recently got a copy of a background check from a company I was applying to work for ( I applied in late  XXXX     2017 ), alt hough it did not disqualify me it had an incorrect current address as my reported residence despite mailing me the copy to my current address ; for which it came as a discrepency in my reported address. In the report it has my current address as a former address ( which is in  XXXX    XXXX    ) de spite having the most current dates tied to this address and a   XXXX    address as my current address for which I only lived there for a short amount of time, about 4 months due to being stationed there with the military. I used this address only a couple of times, one being that I applied for a credit card out there and used that address in order to receive statements and qualify for the purchase I was trying to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creators are XXXX XXXX  was in XXXX. This just appeared on my credit out the blue. It was resolved years ago. This hasn't been on my credit report since XXXX it just appeared.. Documentation is attached. Please remove from my credit file. It's been 7 years from the original debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.

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 2018-11-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/18 I sent in a dispute to transunion about 12 inquires that I didn't give permission to pull my credit. These inquires were not done by me. In my dispute letter I stated I wanted transunion to remove these inquires because they were not authorized by me, and they don't have any documents supporting these inquires. Transunion never responded at all. The Fair Credit Reporting Act clearly states that these 12 inquires must be removed because 1 : One I didn't authorize them, 2 : Transunion didn't response within the 30 days 3 : Transunion don't have any supporting documents proving I authorize these inquires.

The inquires are : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX -XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/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 2018-06-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
2nd complaint regarding payment processing and billing of XXXX I entered into a rehabilitation agreement on or around XX/XX/2015.. ( can't remember the exact date ) ... but it is recorded. I called XXXX customer service representative and explained that I was having an economic hardship. She set me up with a rehab of {$25.00} per month at that time my loan was 30 days delinquent and the owed balance was {$220.00}. This was not reporting to the credit bureaus. The money was coming out of my checking account on time every month. 
This operator did not inform me the payment amount was insufficient and fees would continue to compound as the time passed. I didn't receive any notification from XXXX regarding the operator error. I rarely received bills from them at all. 
Recently ( a few days ago ) I spoke to a team lead name XXXX, who informed me this representative was not supposed to authorize or set up this type of agreement and she has since been fired. Again no one called me to correct the rehab agreement mistake yet the company allowed the fees, interest and service charges to pile up over the years. 
The mere fact that the operator was fired, shows how common mistakes are made with XXXX regarding processing our Federal loans. These mistakes are devastating to us the consumers because they affect our credit score with negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: First Credit Services Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First Credit Service is attempting to collect on a bad debt in the amount of {$84.00} the original creditor is : XXXX XXXX XXXX / XXXX, MA Dated : XX/XX/2016. I have never had a gym membership with this gym. 

In addition to that, I NEVER RECIEVED A RIGHT TO DISPUTE NOTICE, pursuant to the FCRA and the FDCPA..which as a consumer, I have the legal right to dispute and or request validation of any alleged debt that a collection agency is attempting to collect on. In this case, my rights have been clearly violated and this agency is in violation of the federal law. 

I have no knowledge of this account I haven't lived in MA in over 10 years and if the account were mine and it is NOT ... would it have reached the statute of limitation for reporting? This company has no proof that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have proof that Navient has victimized me and most likely others. Please see attached as proof. I was able to print screen what they are trying to do to me and others. If they do this to all of, their clients thinking a client will miss such a small difference, they are raking in millions of dollars. While I was on the call questioning them raising my payment/forbearance without my consent, miraculously put me on hold and kicked me out of the system. Too bad for them I already had screen shot everything. Please see attached. This is egregious behavior. Talked to Navient and requested info on XX/XX/18 at XXXX XXXX  for 40 minutes 20 secs. To find out why my due date was pushed back a month without authorization from me, and asked why my payment increased. They answered that company policy is that they are giving an extra month of forbearance as a courtesy without authorization. I interrupted and said I didnt request another forbearance. Rudely representative stated sir, you are not listening, I just told you this was a courtesy. I explained by doing that, they increased my interest and increased my payment {$9.00} a month as well as my balance. Requested information in writing on why they increased my payment. I was told I will receive by XX/XX/XXXX and dont make payment until then. I asked what is my actual payment right now. Representative stated new higher payment. I have screen shots in two different sections of my account summary as proof. Questioned them, put me on hold, then all of a sudden information disappeared. Fortunately I screen shot before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn credit Collection agency Creditor XXXX Date XX/XX/2017 I was XXXX  XX/XX/2017 so I have no knowledge of this account. Ive distributed this several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: BRite Financial Services, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
THIS IS A NEW COMPLAINT NOT A DUPLICATE Cure to default did not follow Wisconsin laws 15 days wasnt allowed No itemized statement included with cure to default statement. 

Called on XX/XX/XXXX to ask for more time threatened the vehicle can be retrieved now. 

Sent an email to Brite financial no response. 

I need more time to pay and I want to know details of balance. I made a payment XX/XX/XXXX I only had a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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: Information belongs to someone else

Complaint:
EXPERIAN IS REPORTING THE FOLLOWING IN ERROR.

XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX9 CFPB Case # XXXX from Original Creditor ( XXXX XXXX ), dated,XX/XX/XXXX states that XXXX XXXX was SOLD to XXXX XXXX XXXX on XX/XX/XXXX NOT XXXX XXXX. The ACCOUNT BEING REPORTED BY XXXX XXXX since XX/XX/XXXX is erroneous and NOT MINES pursuant to the original creditor 's letter. PLEASE DELETE.

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 2020-01-21
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX XXXX investment  client who is partnered with Bank of New York Mellon who provided our debit card and checking account privileges. 

Over the course of the last three weeks, I've worked within the guidelines afforded to me through the client relations team for processing the disputes/fraud claims as well with my financial advisor for these unauthorized charges to a comprised and closed debit card. I have patiently afforded XXXX XXXX and BNY Mellon it's partner to properly address this serious matter and they've done nothing but overdraw my account and restrict my monies for both my XXXX XXXX accounts as well trying to hold me responsible for debit card charges that they are still putting through as a of a few days ago on a closed card from over a month ago. This is not legal, neither does Visa and Master Card operate under these procedures or policy guidelines. 
I need someone to HELP address this immediately, they have fraudulently taken over {$3400.00} dollar from a good client that they had absolutely no complaints with. 
This entire situation is not only troubling, but disturbing in the way it's been handled, creating a relationship that is now irretrievably broken down. I simply want all my monies returned immediately, and have nothing to do with a company who handles business like this. 
" PRIME EXAMPLE '' WHO WOULD PUT A CHARGE THROUGH FOR OVER {$2000.00} no authorization and say that's legal as well continue to do it? 
Please call me immediately at XXXX, this was not handle professionally, neither was I ever followed up with. 

Unauthorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX reversed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX district of Ohio.

I sent a letter to the XXXX XXXX  court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter.

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.

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