BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: CBC Companies, 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:
FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately XXXX? <<<<<<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX verified the report. It Is impossible to have an account closed in XXXX, with late payments in XXXX of XXXX. This was the second time XXXX  reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX  also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX  verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/XXXX. This was the second time XXXX reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX  reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I visited the emergency room at XXXX XXXX in XXXX, CA. At the hospital I provided information regarding my health insurance through XXXX. The hospital properly submitted a claim to XXXX, but the XXXX XXXX for which the doctor worked submitted a claim to XXXX in error and then referred me to a collection agency ( Medicredit ) for an amount equal to {$750.00}. When my husband and I explained the facts of the situation to Medicredit, they told us we had to address the issue with the XXXX XXXX XXXX. However, the XXXX XXXX XXXX XXXX   policy is that they will not deal with any claims that they referred to Medicredit. However, after speaking with supervisors at Medicredit and HMH between XX/XX/XXXX and XX/XX/XXXX ( and explaining to them that XXXX was willing to process the original claim so long as an itemized receipt was sent before XX/XX/XXXX XXXX XXXX submitted the claim to XXXX and paid the applicable {$20.00} co-payment. On XX/XX/XXXX, XXXX provided an Explanation of Benefits showing that ( i ) XXXX XXXX claim was processed, ( ii ) only {$140.00} of the original {$750.00} were allowable charges, ( iii ) XXXX paid {$120.00} and ( iv ) my remaining balance was the {$20.00} co-pay that I already paid. In addition, XXXX sent me a statement on XX/XX/XXXX indicating that this claim was paid and that my remaining balance was {$0.00}. However, notwithstanding the XX/XX/XXXX statement ( and the almost year of effort in resolving this issue ), Medicredit has continued to call me and recently sent me a statement indicated that I continue to owe the {$140.00} of allowable charges.

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 2020-11-21
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been waiting over 30 days for a check. I have my doubts that it was ever sent.

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 2020-11-19
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, funds were transferred to my PayPal account by a third-party in the amount of {$1600.00}. PayPal never stated any kind of hold would be placed on these electronic funds. Immediately after the transfer -- money I was in need of right away -- PayPal placed a hold on the funds for " 21 days ''. I contacted PayPal immediately, but only receive a message from an automated system that states they are experiencing high volume and no sales representative are available. I was then directed to their website and given instruction to follow links that did not exist for " help ''. How is it possible that a massive banking institution can have ZERO customer service agents available? Secondly, PayPal deducted {$1600.00} MORE from my personal checking account and then placed these funds on hold. The {$1600.00} in my personal account was for bills to be paid. Now PayPal wants to put a hold on these funds as well for 24-72. PayPal is holding {$3200.00} for " verification '' or whatever other reason they have. I need my funds reversed and refunded to me. PayPal is holding my money, my checking account is overdraft and they have NO CUSTOMER SERVICE available. I need to speak with someone there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Ref account number XXXX ALLY Finance. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late ) and XXXX ( 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. XXXX  continues to publish this report, with zero effective investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: LCS FINANCIAL SERVICES CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit score went down by 50 points on XX/XX/XXXX because of credit inquiry from some LCS FINANCIAL service. Never talked to heard of or dealt with anything with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received a text from a number claiming to be from XXXX 's fraud department claiming that someone was trying to purchase a XXXX XXXX  and to call the number on the text to let them know it wasn't me.. I then called the number and the person that answered said they were with XXXX 's fraudulent claims dept and that they needed to gain access to my phone remotely to XXXX  hackers from XXXX XXXX and XXXX that were trying to use my IP address to run a XXXX XXXX XXXX  Under duress I gave them access to my phone They then started purchasing XXXX XXXX  and stocks in XXXX XXXX XXXX  and they would sell both and then transfer the funds back into my bank account. They did this repeatedly for the next 3 hours, never allowing me to use my phone to call for assistance as it was being remote controlled by them. At some point they were distracted and I was then able to turn off my phone and when I turned my phone back on, I immediately uninstalled the application the used to remote control my phone. They tried calling me back numerous times then I blocked the number. At the end of this ordeal they had purchased XXXX of XXXX XXXX via my XXXX account and sent it to their personal wallet. I then notified Wells Fargo that I fell victim to fraud and they put XXXX back into my account as a provisional credit. Wells Fargo said they would investigate and would notify me in 30 days. I was notified that my claim was closed because I gave the scammers permission.

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 2020-08-31
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: Personal information incorrect

Complaint:
This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : USBK COURT XXXX OHIO Docket # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX These accounts are not accurate.

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 2021-04-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an open mortgage with mr Cooper loans. Today myself and many customers noticed multiple payments withdrawn without consent leaving my account negative. Some payments were refunded There was no payment due and I am not on auto payment either. Nobody answers their phone. Their XXXX page is flooded with complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Omega RMS, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in a copy of my ID with the correct mailing address to XXXX, XXXX and Transunion and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

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 2020-05-14
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase a XXXX for my daughter on what I thought was the actual XXXX website. I completed the purchase using my PayPal account, as I believed that was the safest way to complete any online purchase. After completing the purchase I went to my email noticed the PayPal receipt showed a non-verified XXXX account as the seller, and immediately logged into my PayPal account. The seller was from out of the country, and was showing a name I had no idea who they were. I checked my inbox and had no receipts from a purchase other than from PayPal. I went back to the site and realized it was XXXX.XXXX  NOT XXXX.XXXX  which is the verified and true XXXX  company site. The fraudulent site looks just like the real site. I have never had an issue with a purchase before, or had to fight anything on PayPal before so had to look up what to do within their help instructions. I immediately disputed the purchase, and had to wait to see what PayPal would do. I put in the information based on what I knew to be true, and waited. They replied over night, and the next morning I discovered they said I had no claim to dispute and were closing the case. Based on the fact the seller had immediately completed the sale and taken my funds, my only recourse was to email this person and request a refund. I had done that the night before, but did it again that morning as well. I still have not received a reply from this seller. I have tried to contact PayPal via phone, but they are not taking calls due to Covid. I tried chat, but it is a Bot, and it prompts me to do a dispute, then tells me I can not as I already have done one and it is closed. I was forced to contact my bank and they are going to try and dispute it for me, as the money was pulled from the already. This transaction was placed on XX/XX/2020 through PayPal Transaction ID : XXXX for {$130.00}, Dispute Case # XXXX I do not know what else to do. This site did not provide me with information for a sale, they should not be taking PayPal for purchases, they are not verified, they are fraudulent, and I did not have PayPal support to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank NA closed all XXXX of my credit cards accounts that I have with them. 
Their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. 
Citibank decision to close all my accounts was therefore unfair and discriminatory.

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 2020-05-15
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called the loan company and asked if they had any plans in place to help me with my loan as I was furloughed due to COVID-19. I was  advised they would allow my XXXX payment to be added to the end of my note. I accepted that option as it was better than nothing at this difficult time. I began getting collection calls for a payment that was due on XX/XX/2020 but I was confused as that payment was not due per the finance company. I have talked to them multiple times as they call no less than 4 times a day for the payment and I was advised they should not have offered me any help it was a mistake. I explained I have a letter and I was advised I did not have to make a payment in the month of XXXX. I have tried and tried and have not been able to get anywhere with the company. Any help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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