BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Lates from XXXX and XXXX from XXXX XXXX. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: TN
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 am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Carter-Young, 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:
I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing Carter-Young, INC to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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 sent letters to these companies and asked Equifax to send me proof I approved these inquiries and no one provided proof. XXXX said the inquiries most stayed even when I did not approve them. 

I want the following inquiries deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are Persolve and Account resolution. XXXX is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2019. Well Fargo agent contact me about my account being late. They offered to settled the debt and they offered to allow it to be 3 equal payments and would close the account. They account is being misrepresented on my credit report across all three credit bureaus. I have contacted them and they keep transferring me different departments with no resolve to the matter. This is preventing my credit score to improve to get a VA Loan.

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 2020-08-26
Company: EQUIFAX, 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 {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
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 balance of {$4200.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt validation letter was sent to MIDLAND FUNDING LLC on XX/XX/XXXX requesting a verification of debt owed. A response was received XX/XX/XXXX stating that they were opening a investigation into the matter and that it could take up to 90 days to resolve this issue. An investigation was never requested from MIDLAND FUNDING LLC, but only to send the proper paperwork proving that the debt in question is valid within 14 days of them receiving the debt validation letter, which they did not send to me in the allotted time. Also The Original creditor was XXXX XXXX   XXXX XXXX XXXX XXXX, and then you bought this loan from them, after it was charged off according to your paperwork on XXXX. If there is anything signed by me it is a illegal contract which you didn't disclose to me that my wet ink signature paid the loan in full that you bought from XXXX XXXX XXXX XXXX XXXX and that you are trying to gain a 200- 300 % profit off of my signature making the any contract if any null and void from the beginning. I never received goods or services from MIDLAND FUNDING LLC only from XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX   breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$26000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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 {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
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 balance of {$4200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -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 2020-06-03
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have filed one complaint to paypal with this email address and I had another account for business and I sent XXXX to my sister and it went thru ok and then I guess they got the first complaint and now they have put a hold on the XXXX where she can't get the money and want all kinds of ids I sent in an personal id and not that they are complete they are asking bor credit card statements and they are debit cards and some of them I don't even have any more 2 of them because I had to get different ones on the local bank here because they were hacked. and the other thing they are asking for is for me to resolve the account for XXXX and that is the one where they are h olding so much of my money. I can't resolve something they won't let me do anything in they have closed that account, they are mad because of the complaint against them. The paypal business account is XXXX. My sister can't get the money I sent to her because of this. These people are so crooked. I just want them to let my sis have the money I sent her and my money out of XXXX account which is now XXXX and some few cents it has gone down about XXXX and they say that they haven't issued anyone a refund but the money went somewhere. Please help me with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After filing complaint # XXXX earlier today, I looked at my old records. 

With XXXXXXXX XXXX it was in fact a XXXX instrument starting in XX/XX/XXXX. 

I couldnt find a a way to amend the last complaint, but because SPS took over the servicing in XXXX, all contract agreements would be the same. 

So why is this no longer considered a XXXX, or XXXX, or XXXX XXXX   instrument? 

For the first time, I saw a complaint response from years ago, and SPS is incorrect. A re-affirmation agreement was made, but in 1 month it isnt going to matter anymore. I believe that SPS did not do the transfer correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Yes its been over 80 days and XXXX XXXX who is the actual owner of XXXX credit card can not get a resolution and I ended up making four payments and to this day only XXXX a manager at XXXX call center located XXXX XXXX agent id XXXX XXXX XXXX Colorado they owe me over XXXX plus internet in over payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: BB&T CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Scenario : Wire transfer from XXXX XXXX XXXX in XXXX to BB & T in USA. Bank in XXXX charged an outbound wire fee and BB & T charged an inbound wire fee, these were independent of the transferred amount. Still, the received amount was {$25.00} less than expected. No disclosure anywhere as to why there was {$25.00} difference. I had to personally go to BB & T to find out why there was a discrepancy. I was told that XXXX XXXX was an intermediary bank and there was a {$25.00} charge for the transfer.

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 2020-11-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2020 XXXX was added to my payment balance. 
XXXX this amount was said to be refunded. 

My total amount due has gone up and not assessments have been made. 

I have not added any private student loans in many years this account was consolidated private student loans. 

I have called the leader to try and get it taken care of they are not working with me. They have not adjusted the amount or tried to assist. 

Someone is scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: American Student Assistance
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and American Student Assistance no response XX/XX/2018.Instead my file was transferred to another agency XXXX XXXX on the XX/XX/2018 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from American Student Assistant that I will not be offset XX/XX/2018 I was offset XX/XX/2018 (  enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and American Student Assistance refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. American Student Assistance violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did XXXX XXXX review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.

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 2018-07-31
Company: Blackwater Capital Group LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, I spoke with a representative from Blackwater Capital Group, by the name of XXXX XXXX. She contacted me regarding a debt owed to company called XXXX XXXX. She told me that a court case had been filed in XXXX XXXX regarding this debt. However, she told me that it could be dropped if I pay the debt immediately. We discussed a payment date of XX/XX/2018. 
This morning, XXXX XXXX contacted my brother regarding this debt. She gave him personal information about this debt. She told him that they were now going to file a judgement against me, this time in XXXX XXXX and that if I didn't pay this debt, they would cancel my drivers license. This is completely unacceptable. She had no reason to contact my brother, as she had my phone number and I had even given her an updated address. This violates the law. 
XXXX XXXX phone number is XXXX XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
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 balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- XXXX XXXX 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$720.00} -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 2021-03-29
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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