BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affiliate is contacting me constantly regarding a medical bill balance that I have given insurance coverage information. Insurance company paid for the service in full. Still sending threatening letters for a re-sold debt that they don't own and cant collect. Will not give original service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MO
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: GA
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:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$710.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX to XX/XX/XXXX, I made some small deposits and a withdrawal. I did some trading and had a profit of approx {$1500.00}. On XX/XX/XXXX an additional depo of $ XXXX was added to the other $ XXXX deposit on XX/XX/XXXX. That deposit just became clear. {$12000.00} was bal on XX/XX/XXXX. 
We put money in XXXX  XXXX  and on XX/XX/XXXX it was worth XXXX. On XXXX the other $ XXXX was cleared and bal was {$29000.00} which went to XXXX. On XXXX we added $ XXXX more. All this was in XXXX on XXXX, the account was at {$82000.00}. On XXXX added another XXXX. This brought the account to {$220000.00}. 
On XX/XX/XXXX, added $ XXXX. Now {$230000.00}. 
XX/XX/XXXX got XXXX of XXXX  XXXX  XXXX XX/XX/XXXX put the XXXX into XXXX  XX/XX/XXXX XXXX at XXXX XX/XX/XXXX added XXXX. Break down {$190000.00}. XXXX {$97000.00} XXXX ( $ XXXX + interest ) {$210000.00} XXXX {$500000.00} Total {$260000.00} Basis {$240000.00} XXXX XX/XX/XXXX XXXX  came due. Went to XXXX Bal {$320000.00} XXXX is {$200000.00} {$520000.00} {$260000.00} Basis {$260000.00} XXXX XX/XX/XXXX Put $ XXXX in XXXX. Also made appointment for XXXX  XXXX  XXXX  XXXX. Will put $ XXXX in and will get 15 % -20 % XX/XX/XXXX. Sold XXXX and put $ XXXX in for subscription on XXXX  XXXX  XXXX XXXX coming on Friday XXXX wired $ XXXX for taxes. SCAM XXXX  wanted XXXX to withdraw account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 discovered that some of the information on my credit report was incorrect when I reviewed it. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX OF XXXX XXXX Balance Owed : {$100.00} XXXX OF XXXX XXXX Balance Owed : {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: AmeriHome Mortgage Company, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had an issue with the prior servicer on my mortgage. When I confronted them they supposedly sold the mortgage but i wasn't notified. 
I was contacted by a company claiming to be the new servicer. when I got their letter i wrote to them and asked them to validate and provide me the documents they have for my account because there were many things not adding up. They did not respond. Instead they assigned fees to the alleged account. One for {$1000.00}, one for {$510.00} for attorneys fees. No letters were received to explain this and no response was sent addressing my request for validation and documentation that would allow an audit. In my letter I asked that they cease contact until validation was provided, constant robot calls get annoying, they don't even have an option to get transferred to a live person, their calls are automated and frustrating. They did not stop contacting me after they received my written request XX/XX/2022. They continued to send bills and call XXXX times minimum since then. The fees made me afraid to contact them since they established they will not respond and it will only make things worse as far as unnecessary fees. It was intimidating. 
I believe they violated me under the FDCPA 15 USC1692c ( c ) failing to cease communication and 1692d harassment and intimidation. They failed to respond to my request for documents and I want the documents but I am afraid to ask them again. So I am asking for help now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2021-11-03
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your organization closed this response with the company responded. They responded with giving me a list of dates and amounts not addressing who, what or where.They list an account opened one year past with no activity until a year later whereas within one month there were transactions that were not in chronological order and all within one month amounting to {$2600.00} with no identity as to what was purchased. There is an email address that is not my email and a secondary email address that appears to belong to whoever opened this account. There are ARC activities with no account number or routing number that could identify the bank and individual. All activity occurred a year after the account was opened and was within one month. None of my original questions where addressed regarding this account. Now the two companies XXXX and SIMM Associates XXXX Inc have double their calls and insistance I pay an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have noticed that my interest rate has gone up approximately by 5 % in the last XXXX with no notification or reason. I have contacted the credit card company and I was not provided a reason. I have always paid on time and I am being penalized, with a higher rate for no reason. I would like my rate explained as well as adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2021-11-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had PoA for my parents IRA and stock accounts at Wells Fargo. Quarterly statements arrive to my address. Both parents have now passed on and I am executor for the estate. I called Wells Fargo XXXX to close the accounts and send checks to the estate. After one hour, and three different people in their Estate group, no one can find the accounts using the account numbers, names or SSNs. They say maybe the money has been turned over to the state. 
I have had the PoA, I review each quarterly statement including the one through XX/XX/2021. And just received a notice from them about transferring management of the accounts to another firm. 
Other than telling me to go to a branch office and talk with someone there, they have no answers for where the accounts or money are. 
Ive never encountered or heard of anything like thiswhat can be done? I have also alerted my lawyer for the estate about this situation. Help?

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 2021-11-02
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: Their investigation did not fix an error on your report

Complaint:
TransUnion is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information on 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 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
Resurgent Capital Services L.P. asserts to be the servicer for LVNV Funding LLC reporting a Collection on my credit reports for an account alleged to have originated with XXXX XXXX Bank, XXXX. 

To be clear XXXX XXXX Bank, XXXX. is not my original creditor and was never my original creditor. There is no contractual relationship in writing containing my signature for any such account that was opened with XXXX XXXX Bank, XXXX. to extend credit to me. My credit reports don't show any account that was opened by XXXX XXXX Bank, XXXX. that is Charged Off, Open, Closed, Past Due, Default, Late, or expressly any data showing a creditor relationship between myself and XXXX XXXX Bank, NA. 

Resurgent Capital Services L.P. is incorrectly confirming that an Account was charged off on XX/XX/XXXX, with a balance of {$1800.00} owed to XXXX XXXX Bank, XXXX. that is owed by me. No such evidence exists on my credit reports and not showing in my credit file. This information does not appear on my credit reports that a Charge Off balance is owed by me to XXXX XXXX Bank, XXXX. with a balance of {$1800.00}, and for any such last payment in the amount of {$90.00} was received on XX/XX/XXXX. 

Instead, Resurgent Capital Services L.P. and LVNV Funding LLC are improperly reporting a Collection account on my credit report for a balance owed to XXXX XXXX Bank, XXXX. While no Charge Off is reported by XXXX XXXX Bank, XXXX. for any such balance that is owed by me. 

Resurgent Capital Services L.P. as a servicer is falsely reporting a balance owed by me to XXXX XXXX Bank, XXXX. without validation nor a contractual agreement containing my signature. Further, XXXX XXXX Bank, XXXX. isn't reporting any such Charge Off on my credit reports that Resurgent Capital Services L.P. is claiming that is owed by me.

Causing extreme harm and damage to my credit reports. Resurgent Capital Services L.P. remains in direct violation of the Fair Debt Collections Practice Act and carrying out unfair and unconscionable means to collect and attempt to collect a debt unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, XXXX, and Transworld Systems to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all Transworld XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Skrill USA, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Put simply, skrill stole my money. They told me that an XXXX charge I had made was not going to post because the account was closed, so I did not go to the rental because it was not paid for to my knowledge. 

Then the transaction DOES point and their XXXX call center denies any responsibility for giving me incorrect information. 

AND to make matters worse, nobody at paysafe group seems to know what happened to my XXXX account which has a fortune in XXXX in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BMW Financial Services NA, LLC
State: NY
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:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/2021 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

6. BMW FIN SVC Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

8. XXXX  Account Number : XXXX  Please remove it from my credit report.

9. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

11. XXXX  XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX inform that account paid in full but the collection company is on my report not pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation