BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-08-29
Company: GreenSky, LLC
State: NV
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:
The problem with Greensky Financial or Greensky LLC has been ongoing since last year, originally the company opened a line of credit that was not asked for or authorized, I only asked that my credit be checked to see if I would be preapproved, this should have been done with a soft inquiry, not a hard inquiry, this matter was reported to the XXXX and the Attorney General 's Office, the company told XXXX  that they would close the account, the company did not respond to the Attorney Generals Office, this year on XX/XX/2019 Greensky placed another Hard Inquiry on my credit report, I did not contact the company inquiring about credit, the company said that they would close the account and not make any more inquiries last year, I made another report to XXXX  and filed another complaint with the State Attorney General 's Office of GA ; on XX/XX/2019, I faxed proof to the company from XXXX listing the hard inquiry done on XX/XX/2019, the company continues to say that they did not make the inquiry despite proof stating otherwise, I disputed the hard inquiry to XXXX and the inquiry was removed, Greensky did not remove the inquiry because XXXX  removed it. I asked the company to stop calling me in my fax on XX/XX/2019, today, XX/XX/2019, XXXX called and left another voicemail asking to call her, I have spoken with her twice, I have returned both of her calls, my continuing to return the calls from the company are pointless, I asked the company to mail any information pertaining to this matter via certified mail, I advised the company yesterday, XX/XX/2019 that their continued phone calls and attempt to lower my credit score are acts of fraud, harassment and the entire matter would be turned over to my attorney, despite this, XXXX called again today, this is not only harassment, this is an attempt to defraud a vulnerable senior citizen, this has caused undue stress, anxiety and is costing me time and money to report these continued provocations. I want this company to leave me alone, close this account and make no further attempts to lower my credit score on an account that was fraudulently opened in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
called company they never responded back. 
{$71.00} Balance updated XX/XX/2020 2020

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: T.S. Holdings
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2017, XXXX XXXX at XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent 3rd set of letters to TransUnion, XXXX  and XXXX  at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX  funding to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply

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 2018-06-29
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
contacted company asking about the Hippa laws violation.company refused to respond with original documents showing they have the right to brandish negative item on my credit report. 
I also contacted the the reporting bureau and they claim that advance verified that the account being reported is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Gentlemen, I have been trying my best to raised my Credit Score. Lately, When Refinance my 2 Vehicles From XXXX XXXX  and XXXX XXXX XXXX XXXX. With the XXXX XXXX XXXX XXXX recently in about a month. And My Credit Score was at XXXX With the XXXX. And my former vehicle account was closed and my new vehicle refinance loan showed on my credit report. However, The Equifax gave me a score of XXXX and the XXXX was XXXX all of this was the result of my refinancing loan. They never factors that my balance was going down. Infact, One of the Vehicle Loan I co-signed for my son at {$550.00} a month also with XXXX XXXX XXXX XXXX. My son XXXX XXXX. Who is a Member of the XXXX XXXX XXXX. Had been paying his Car loan for the Past 4 years and has only XXXX plus left over. And they should take-off the account after the 12 months period my son was paying for his car. They can verify with XXXX XXXX XXXX XXXX. That my son is the one paying for the car loan that I have co-signed for him. And their poor evaluations of my Credit Performance.  Affected my ability to get a better rate In shopping for for Home Purchase with the XXXX XXXX  as well the XXXX XXXX. I want these ( 3 ) Credit Bureau Reporting agency. To correct my score and provide me a copy of their recent adjustment to my Credit History report. I do hope, They will heed your Good Office and provide the New Credit Report ASAP. Thank You very much for your Immediate actions on the matters and Considerations. Sincerely, XXXX XXXX. XXXX XXXX Home Adress : XXXX XXXX XXXX, XXXX. AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them to stop calling my phone and they continue to call me everyday at all different times of the day and night. They call me from different numbers and sometimes they even call and hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-02-10
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: Account status incorrect

Complaint:
I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are 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 2020-01-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I finalized my divorce in XX/XX/2019 and moved back into my home this was when I found that my ex-wife was behind on payments. I didn't know what to do. When I talked with the lender they told me I couldn't make a payment until the penalties were paid first. I struggled with the lender for months until I was contacted by XXXX XXXX that helps people like me deal with the lender. She got the lender to postpone auction in XX/XX/2019 she stopped we began to work with my lender to get a loan modification. I had also at the same time started a new job that pays well. I knew I could finally start making my house payments after I had began working. The lender was not being very compliant with us as XXXX fought hard to get them all my information they needed. At that point XXXX did all she could and I took over. Finally I thought all was going forward with the modification and the lender kept pushing the auction date out until now. They are claiming they still need documents which I was never contacted about. I am asking for them to postpone the auction date and they are not responding in a timely manner. XXXX is again helping me. This is complete misconduct of the mortgage practice. They have not been back in contact to me after I thought I would be getting my new payment plan and never did. I did everything they asked and acted in good faith and they set me up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Account status incorrect

Complaint:
I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have three mortgages with PennyMac. I paid XX/XX/2018 mortgages through a bill pay service. One check was issued for all three mortgages. PennyMac held the check for several weeks and then posted to one account. I was made aware of this when I started getting robo calls regarding my two unpaid accounts. THREE times now I have called in to correct the problem. Yes, THREE times. I have to hold while they investigate, confirm my previous calls and then continue to hold while they make notes to repost the payments. Now one of my accounts is 30 days late. Enough. It shouldn't have happened in the first place, but after three attempts and my time and frustration and now that it is affecting my credit, it is time to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Just to advise there were no topics/choices from the type of problems page that exactly meets my situation .... Im writing in hopes to get some type of resolution to an ongoing dispute between myself, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and PayPal. On XX/XX/2020 I made a purchase in the amount of {$39.00} using my ( XXXX  ) XXXX  debit card through PayPal to a company name XXXX XXXX. I paid for expedited shipping in which the item was to arrive within 7 business days. XX/XX/2020 two weeks after not receiving the item I constantly emailed both the merchant and PayPal in which is the only method of communication that is available. I was given several different reasons as to why the item wasnt shipped, none that was acceptable to me as I paid for expedited shipping. XX/XX/2020 I again emailed both the merchant and PayPal requesting a refund as the item did not arrive in the payment timeframe and was no longer needed. XX/XX/2020 I contacted XXXX in regards to the disputing the transaction that occurred with my VISA debit card. I explained my situation to XXXX XXXX whom sent me a Cardholder Dispute Item Statement Form. I completed the paperwork indicating I never received the merchandise and would like to request a refund. XX/XX/2020 I contacted XXXX explained to her the item finally arrived however was not as describe as advertised, therefore I returned the merchandise immediately. XX/XX/2020 A provisional credit was applied to my account from XXXX XXXX  ), only to be debited from my account on XX/XX/2020. XX/XX/2020 PayPal indicated the funds were surrendered to my account on XX/XX/2020 upon my dispute however would not provide me documentation of the refund. XXXX denies PayPal refunded the money. PayPal explained to me once a case is open with the bank they can no longer open a case in PayPal, for me to contact my bank as their case is now closed. I then called my bank ( XXXX ) and spoke with XXXX XXXX who advised me PayPal never surrendered the funds and she provided me with the dispute form indicating PayPals response as dispute invalid as I did receive the merchandise. My issues with this is on XX/XX/2020 I did contact XXXX  indicating I did finally receive the merchandise 32 days later and that it was no longer needed and it was not describe as advertised, therefore I returned the merchandise. The wholesaler currently has my money and the merchandise. Both parties XXXX and PayPal are referring me back to one another indicating there is nothing else they can do. My major grievance in this response from both parties is that I am in no way able to recuperate my payment and the vendor has both payment and the product. Both PayPal and XXXX are stating that I must work with the other company to settle this issue and neither is willing to provide a resolution. I am asking for both companies to come to a conclusion and refund the payment processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: ENCORE CAPITAL GROUP 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 have tried several different attempt to send Midland Funding LLC letters to proof the debt with no success but today I got aeeter from a lawyer stating that they are suing me with a case number! This is the same debt another company has been trying to collect that was collect by garnishment of my checking account in 2006 which at that time was a false collection from a XXXX XXXX card that I had paid in full years before. I know this debt is to old to collect first of all it 's not on my credit report second it 's in May maiden name and I have been married over 14 years. I am hoping you guys can get me the info I need to fight this. I find this ridiculous and i know they think I 'm gon na lay down and take it and I am not!!!! This company Midland Funding is known for its fraudulent activity and was just recently caught for illegal tactics in Georgia. I have literally been fighting them for 5 years and like I said before they have NEVER once sent me the info I requested to verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NC
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 have contacted Equifax, XXXX  and XXXX  several times via mail and via phone. I sent letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have supplied documentation as well as sent letter regarding the inaccurate information being displayed on my report. They still continue to use this information that they can not validate that it belongs to me because it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I am extremely frustrated that your company is not investigating this account properly. There is a late remark from XX/XX/XXXX that was accessed due to a balance from XXXX that I paid. This was filed in error and I have reported to the Consumer Financial Protection Bureau as this is wrong information reporting. 
I financed this car and sold it back in XXXX. I was told that I need to pay it in full before I sold the car, so I did. I attached my receipt and check from XXXX that shows I made the payment in XX/XX/XXXX. There was NO balance on this account after I made the payment this account. I was never informed by your company that this account was past due UNTIL XX/XX/XXXX, TWO YEARS LATER!!!!!!!!! I was never informed for two years that the payment did not go through. I called Chase and paid this account off and then leased another car with your company. Any type of fees that I had to pay were transferred over and I made sure I paid everything. I was even told I do not owe any additional funds on either cars so I am confused as to why this is reporting this way. I need all calls pulled back in XXXX as you will hear how I was told to pay this account in full. Also pull the calls from XXXX, as I was also told that all the fees were paid. 
Your company said I missed a payment that was due on XX/XX/XXXX from a fee that was due on XX/XX/XXXX. That makes absolutely no sense so this late remark from XX/XX/XXXX needs to be removed. I have also attached my proof of payment for the XX/XX/XXXX payment.

Company response to consumer: Closed with non-monetary relief