BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: NC
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:
Equifax XXXX Information Services , Inc. 
XXXX XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). 
The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. 
XXXX XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. 
XXXX XXXX v. XXXX, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). 
- Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : 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 2020-11-12
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received an alert on XXXX  credit report. I looked and it was notified this particular agency. Security credit systems. I have never received a notice. I dont believe I owe a debt. I call and call and call and it only ever goes to voicemail. So Ive never received any notice and now they put it on my credit report and I dont even know what its for. And Im sure that I dont owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Caller from portfolio recovery called at XXXX cst asking for me. I informed caller that it was almost XXXX XXXX. Caller once again asked if i was available. I told caller again that it was almost XXXX XXXX and that i was trying to sleep. I hung up on caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: JH Portfolio Debt Equities, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this 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 2018-11-29
Company: ORG GC GP Buyer, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received calls from a series of related phone numbers from XXXX, WA, identified by the person calling me as GC Services. Their website : https : //consumerportal.gcserv.com/. 

These calls were received on XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, the man who called me immediately demanded to know personal identifying information when I picked up the phone, including my address and Date of Birth, while refusing to disclose why he was calling, on whose behalf, or what the call was in regard to. I refused to provide personal information to someone making unverifiable claims on behalf of GC Services who would not tell me what the call was regarding. I have additionally received no written communication from GC Services prior to these calls, despite the fact this person recited my current address on file to me on the phone. I repeatedly asked the individual to identify themself and why they were calling, and they repeatedly asked for my personal information as described above. I finally had to end the call because it was frankly very disturbing to receive a phone call from an unidentified entity demanding personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion reported a hard inquiry on my credit report from a company named XXXX on XX/XX/2021. I have not applied for any credit cards, or any other services whatsoever. This has had a direct impact on my credit number. TransUnion indicated that I can not dispute a fraudulent inquiry. 

I contacted TransUnion and they indicated to contact XXXX, file a report with the police, or file a report with the Federal Trade Commission. 

Upon contacting XXXX, they indicated they do not have any consumer line, they only have a merchant line, and that there is no other recourse for me to correct the issue. The police department indicated I can not file a police report for an incorrect credit inquiry as it is out of their jurisdiction. The Federal Trade Commission directed me to file a complaint with CFPB. Hence, the XXXX  of this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Lending Club Corp
State: NJ
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:
Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was Denied a Citi Custom Cash Mastercard because according to their algorithm Artificial Intelligence system and not a human I had too many inquiries. I called on XX/XX/2021 to see if I could be reconsidered but I was still denied. Keep in mind I have an active membership with XXXX  and XXXX XXXX and according to my XXXX XXXX XXXX, my credit score is a XXXX which is considered VERY GOOD CREDIT. I have an EXCELLENT payment history so there's no way I should have been denied that credit card. Prior to applying for their credit card, I had only 1 other inquiry so there's no way I should have been denied. I'm highly upset because this company not only discriminated against me due to my XXXX background, this company FAILED to give full disclosure to a consumer that you can only have 1 inquiry and it must be with them ONLY. I asked the representative if I could get their policy in writing and I was denied. As a victim of identity theft, how do I know this company won't open up a dummy account with my personal information they received? I want my personal information destroyed ASAP and I want this company reprimanded for engaging in false and misleading business practices.

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 2021-10-26
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over XXXX dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose over XXXX in higher closing costs higher interest payments. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and XXXX income. I later reviewed found out they did not conform to federal XXXX XXXX or FHA lending guidlines, their practice was subjective and not objective and predatory. It was based on personal preference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX  XXXX XXXX XXXXXXXX servicing unit should of notified Fedloan servicing that my XXXX discharge was approved. Therefore, the two loans under account number XXXX XXXX XXXX should be transferred to XXXX and reported as a XXXX balance with major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've tired 5 times in person between XXXX XXXXand 10 times over the phone to gain information regarding my mother 's savings account with Wells Fargo . I took all the appropriate legal documents to close out my mother 's accounts and have been denied information to her savings holding {$35000.00} dollars at the time of her death XX/XX/XXXX. The XXXX, Ga branch only allowed my to close her deposit box out. I nolonger ever have access to see online information as of XX/XX/XXXX. I did not know where else to look for help. Please let me know what I can do. 
Thank you,

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-11-10
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:
Paypal has placed a reserve hold on my account due to the fact that I have sold a few items that were on preorder. There were three items in total which are no longer on preorder and have been or are in the process of being shipped to the customer. I have been a long time PayPal user in excellent standing with hundreds of transactions that were made as a seller and all items have been processed, shipped and delivered to my customers. PayPal has chosen to flag my account without any merit and has held to date {$1600.00} of my money without releasing it to me. If you review my account, you will see that every transaction has been successfully delivered to all of my customers and that there hasn't been any chargebacks etc. There is no reason for PayPal to hold my funds despite their claims that they are doing this out of caution. They has caused harm to my business by freezing my hard earned funds in which I need to pay off my creditors for supply that was sold. I have contacted everyone up to the executive office and PayPal just refuses to help me and resolve this matter by releasing my funds. Again, I have never had any issues with any of my transactions that would have even warrant such a hold, and now that everything is said and done, I can no longer operate as a PayPal merchant due this practice and all I want at this time is what is owed to me. PayPal has been holding my money hostage. They may claim that they are in the right for doing this, however this is completely without any merit. They continue to hold funds for all of my items, those that were even originally preorder items, and as a result I had to spend additional money in shipping costs, funds out of my pocket for issuing refunds and having to issue additional money from my pocket to pay off creditors in which the funds being held by PayPal are owed to me. No bank or any other company does this, especially without a valid reason that would warrant this action. Again, my transaction history with PayPal as a long standing user for over a decade speaks for itself. Never had a chargeback, never have not shipped an item to a customer, never had not communicated with my customers. Also with transactions linked to XXXX sales, I have 100 % positive feedback on my account as well. I am an exemplary PayPal user yet, they refuse to release this warrantless hold and after all efforts in trying to speak with them, they have not been forthcoming in any attempts or helping me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Synovus Bank
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was looking at my dashboard and I noticed some charges on my account and the company didn't have an email address that I can contact to resolve the issue First Progress Mastercard Late charge debt fee {$29.00} on XX/XX/21 MC-1 sales draft {$95.00} on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the national XX/XX/XXXXand the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice on my XXXX credit report about a XXXX bill that was delinquent and had been bought by a collection agency. I do not remember having a XXXX account and this bill of over {$2500.00} that is more than 3 years or more old, possibly older, is not mine. I had an XXXX XXXX XXXX cell account and then I opted to switch to XXXX. XXXX paid my old XXXX XXXX XXXX account off and I continued with XXXX until XXXX XXXX caused me to not be able to continue cell service, because I wasn't able to work at the time. XXXX was helpful and that account was taken care of due to the declared disaster. Other than that, I have not had a cell account in my name, especially with XXXX. I wrote in and disputed in XX/XX/2021, and the Collection Agency said they had legal rights to collect and it was my debt. I have not been sent a copy of the signed, original contract, not have I been given any information at all about this account. I resubmitted a dispute today, and in the same day was told it was resolved and is mine. XXXX said that if I was not satisfied with the outcome of the dispute, I needed to contact CFPB. That is why I am here. I do not owe this bill and this collection company has not provided anything but a written statement to XXXX, stating how much I owe, that the claim is legit and it meets the criteria to be billed to me. I find this not only humiliating, dehumanizing and manipulative, but in a pandemic where we have just become homeless, and are doing our absolute best to be able to afford a motel room and food, as well as keep gas in our vehicle to get to and from work, this is causing a lot of undue stress and hurting my credit so badly, I will never get it turned around. I'm asking for a copy of the original, signed XXXX contract along with the phone 's serial numbers, IMEI numbers, phone numbers, date account was originally opened, where it was opened ( online or in store ) and the amount, if any that was paid up front for this account. Also, if the account had any money paid up front, were the funds, cash, credit/debit card or check. If credit/debit or check, I am asking for a print out of the payment method, as well as a copy of the address and phone number attached to payment method.

Company response to consumer: Closed with explanation