BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-01-29
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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite several attempts to have XXXX XXXX remove inaccurate information listed below from my credit report they still remain in violation of the far credit reporting act.

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 2018-08-01
Company: BMW Financial Services NA, LLC
State: MO
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:
On XX/XX/2018 BMW Financial Services reported to XXXX  that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-11-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for XXXX XXXX recieved a letter in mail a week later of the background check. Which is inaccurate and not true its stating I have a felony and misdemeanor Its not true at all Ive had this issue before with fraud someone using my identity Ive received a letter with these charges before in the past and contacted the lawyer on that letter about it and he continued to say to ignore if its not me I have nothing to worry about. I just want this cleared up as its false and not true and all.

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 2023-02-27
Company: DriveTime
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company drive time repossessed the car in 2016, removed it from my credit report for over 5 years and then just put it back on 8 years later. I attached the contract and will continue monitoring this company before proceeding legally in 30 days from today

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 2018-03-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: NJ
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:
There are several negative items still on my report that are not accurate. I had submitted a dispute for an investigation and a response into these issues on XX/XX/XXXX and I never received any reply from any bureau. I sent a follow-up dispute at that time which was on XX/XX/XXXX. I still have nothing from any of the bureaus and today is XX/XX/XXXX. I don't feel that a proper investigation has been completed since there has been no verifications made and no response received. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2017, a representative from ConServe, located at XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX contacted me and threatened to report my collection account to the credit bureaus if I did not resolve the account by XX/XX/2017. I had been working with an attorney to resolve the debt and referred the representative to speak to him so we could reach a settlement. A settlement was reached before the date the representative had set on the phone, yet conserve has still been reporting my account to the credit bureaus. Initially a monthly payment agreement for the account was agreed upon, but the account has since been paid in full. Conserve negotiated this agreement in bad faith and has collected the full amount, and reporting the information to the credit bureaus serves no purpose other than to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMPLAINT ID : XXXX I received a letter from Midland Credit Management stating that I owe them money. 

*I 've never done business with this company *I do not wish to do business with this company * This company has no signed documentation by me stating I owe them anything I want them to stop reporting on my credit and be removed from my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ... 

On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money. 

Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Genesis Collections is falsely using the company XXXX as their caller ID to make people answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an equity line of credit with a face amount of $ XXXX, which is presently in the repayment period with a current balance of {$100000.00}. 

On XX/XX/XXXX servicing was transferred from XXXX to Shellpoint Mortgage. 

Over the last 6 weeks I have called Shellpoin Mortgage customer service at least once a week, filed 2 complaints and sent a written request on XX/XX/20 to address the issue described below, and have not been able to resolve my concerns/issue. 

This ELOC is a variable rate loan priced at Prime + 2.5 %. The note specifies that the rate will be reset monthly ( in alignment with the billing cycle ) based on the WSJ prime rate in effect. 

The current effective rate reflected on-line and on monthly billing statements is 7.25 %. This would imply a current prime rate of 4.75 %. 

The WSJ Prime Rate is currently 3.25 % and has changed as follows : XXXX. 4.75 % XXXX. 4.25 % XXXX. 3.25 % Based on the above, the current effective rate on my loan should be 5.75 %. The effective rate should have changed in the XXXX billing cycle by at least .5 %, and possibly 1.5 % ( depending on the cutoff date for the billing cycle ) and should definitely have been reduced the full 1.5 % by this most recent cycle. Based on the current balance, this issue is resulting in an over accrual of approximately {$130.00} per month. 

I have lost confidence that Shellpoint Mortgage will resolve this issue without intervention by the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Seterus, 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: Account status incorrect

Complaint:
I called seterus to set up a repayment plan for my mortgage. When I called I wasnt even past due. I specifically asked them if this will affect my credit they said no. Apparently they set up a form or repayment that I did t agree too. 
I tried for them to listen to my conversation with the representatives I spoke to. They keep mailing me the agreement. They reported late payments on my credit, my credit score went down over 50 points. This is fraud, if I knew it will affect my credit I will have made a completely different decision.

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 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My two credit cards with Capital One have been closed due to returned payments this month. They closed the two accounts even though one account has one single returned payment and I have always made my payments for both cards on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RASH CURTIS AND ASSOCIATES XXXX {$750.00} IS STILL REPORTING A COLLECTION ON MY CREDIT REPORT .... A COUPLE OF MONTHS AGO, CALLED AND REACHED A SETTLEMENT ON SEVERAL AND ALL ACCOUNTS THEY HAD IN MY NAME. SETTLEMENT LETTER CAME IN SHOWING ONLY ONE ACT NUMBER, WAS TOLD NOT TO WORRY BY RASH CURTIS THAT IT INCLUDED FULL BALANCE DUE TO THEM AND SETTLEMENT WAS FOR ALL ACCOUNTS AND IT WOULD BE PROCESSED CORRECTLY, ONLY TO FIND OUT THEY LIED AND NOW TRYING TO SAY THERE IS ANOTHER ACCOUNT I OWED ON.. THIS IS REDICULOUS, AND THIS IS FOR THE MEDICAL FEES AND SERVICES I INCURRED BACK IN 2010 HOW CAN THEY STILL REPORT THIS ON CONSUMER CREDIT .... THIS IS LIEYING AND CHEATING BY RASH CURTIS AND ASSOCIATES ... NOW I RECEIVED A NOTICE FROM XXXX   THAT THEY REPORTED 5 NEW COLLECTIONS ON MY REPROT ... FURTHER INVESTIGATION OF THESE AND CONTACTING THE ORIGINAL CREDITOR PROVED VIOLATION.. RASH CURTIS IS GUILTY OF CHANGING ACCOUNT NUMBERS, AMOUNTS AND DATE OF DEFAULT DATES WHICH ALLOWS THEM TO REPORT SAME COLLECTION SEVERAL TIMES UNDER DIFFERENT NUMBERS ... THIS IS ILLEGAL AND AUTHORITIES ARE BEING ALLERTED BY CONSUMERS TO TAKE ACTION FOR PREDATORY COLLECTORS SUCH AS RASH CURTIS AND ASSOCIATES ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain Land collections is reporting a debt on my file I do not recognize. I sent a letter asking for validation and have received 0 correspondence. I have never received services from the original creditor they are reporting for. This is not mine and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since 1933.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

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 2023-06-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit 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 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
In XXXX I noticed on my credit report that there was an unauthorized inquiry from Capital One for their Cabella 's credit card. I spoke with their credit application fraud department and their representative verified that someone had fraudulently used my social security number, name and birthday with a XXXX, California address in an attempt to obtain credit. The representative stated that she would notify the credit reporting agencies to remove the fraudulent inquiry from my report and it could take up to 30 days. There is a " real name '' fraud alert on my account because of this, however, the fraudulent inquiry is still there.

Company response to consumer: Closed with non-monetary relief