BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
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: Account information incorrect

Complaint:
As of XX/XX/XXXX, XXXX XXXX is refusing to remove the late payments from two of my accounts with them. Even though XXXX XXXX mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with XXXX XXXX on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what XXXX XXXX agreed to, XXXX XXXX reinvestigated the account and decided that the late payments were going to stay. She stated that XXXX XXXX can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.

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 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, XXXX and transunion reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

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 2021-02-21
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  XXXX XXXX have accessed my credit and listed the legal permissible purpose for its collection efforts. I have written the company and they have refused to provide any information about the debt it is allegedly collecting. I filed a complaint against XXXX who responded to its CFPB complaint that it had tow open accounts, however, they too have refused to provide any information about the accounts reported to the CFPB. The complaint number is XXXX about XXXX XXXX XXXX , XXXX. Both XXXX and McCullough are repeatedly checking my credit but do not provide any information to me concerning the alleged collection efforts. I have mailed the request to XXXX XXXX bar number XXXX. I believe it is a debt collector law firm by definition ; similar to the XXXX XXXX XXXX law firm that CFBP recently sued in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently looked at my credit report and seen fraudulent accounts.

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 2018-08-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I.Q. Data called my phone on XX/XX/2018 to discuss a debt that I had already disputed in writing. The first lady on the phone seemed nice and acted as if she was understanding the situation that my old apartment complex had put me in. She tried to tell me about laws regarding age of carpet and charges to tenants. Then her supervisor XXXX got on the phone and was yelling at me about how I needed to give them my credit card information right away or else it would show up negatively against me. I let her know that I did not feel comfortable giving out that information and she proceeded to tell at me about how i was refusing to pay. I repeated that I was disputing the charges and she hung up on me. The company still has yet to investigate my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The following accounts/items do not belong to me. Please delete immediately. 

Finger Hut- this account is not mine. Action Requested : Please Delete the entire account from my credit report.

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please delete the entire account from my credit report.

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX  XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from 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 non-monetary relief
Consumer complaint received 2017-12-09
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The FedLoan Servicing within my credit monitoring service is showing 50 missed payments. However, my account was in forbearance while I was in school and having a new baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recent call : NO message left XX/XX/XXXX, XXXX Wakefield Associates I have asked for written notification of debt and asked to ONLY be contacted in writing.

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 2018-08-16
Company: Kelsting Group, 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:
XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 

I have no accounts that I opened and have not paid since XXXX. I have no clue what this is for and the company will not tell me without first obtaining information from me that I should not have to divulge considering I have no clue what this is for or where it came from. They contacted me and said they were going to attach my wages were very rude and then hung up on me. I know for a fact I do not owe this money and can not get it resolved. I am trying to work on my credit and I can not get this explained or understood. 

Please help in anyway to identify where this stems from and who is the true owner of this liability. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I attempted to use my debit card to make a purchase and it was declined. At that time to my knowledge I still had funds in my bank account. I returned home and called my bank and was told that a lien in the amount of {$1800.00} was placed on my bank account. This was a huge surprise to me as I had no prior notification that this action was being made. After doing some investigating I found out a few new pieces of information. An apartment complex that I had lived in previously was trying to charge me and my girlfriend for miscellaneous things such as carpet replacement and cleaning service ( which we did not ask for ) prior to us moving out. These items totaling {$1400.00}. We tried on numerous occasions to get an explanation for these charges and were never contacted back. I had to get the invoice from the debt collector on the day I discovered the lien. I would have been more than happy to go to court and fight these charges or at least come to some sort of arrangement but neither myself nor my girlfriend received a summons to court. I looked online on the day the lien was placed and discovered our court date was XX/XX/XXXX. We were told that our summons were mailed to her grandmother 's address and taped to her door. Her grandmother never received anything taped to her door. I have spoken with the collection agency on 3 occasions and was met with impoliteness and large lack of empathy. I was given an offer on the day I discovered the lien to pay {$500.00} and they would remove the lien and set up a payment plan and they gave me 2 days to make a decision or the offer was no longer valid. They made this offer after seizing my bank account and all of my funds. The 2 occasions after in which I have spoken with them I have been told the lien will stay unless it is paid in full. I was never properly notified of a court date or a lien being placed on my bank account and I find this to be severely unfair. In fact, the collection agency sent only 2 documents in the mail, postmarked for XX/XX/XXXX, notifying me of the debt, but they seized my bank account on XX/XX/XXXX. As you will see in the images attached, a notice and delinquent notice were postmarked and sent on the same day but dated one day apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes even though i have sent them certified mail and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Responded to an email from Upgrade Loans. Date XX/XX/2021. 
Was contacted first by XXXX XXXX, then by XXXX XXXX. Was advised that was approved for {$5000.00}. Advised needed {$2500.00}. Asked if {$3000.00} would be okay. Agreed to that amount. Said wanted to test the system after all information was given. Would send/ deposit {$1900.00} into my account on the condition that it be sent back. Agreed. When the funds arrived called XXXX XXXX XXXX XXXX XXXX for directions on sending funds back. Was advised to go to store XXXX XXXX, XXXX XXXX and get XXXX gift cards and advise when get them. At XXXX was able to get two cards totaling {$1000.00}. Took pictures of them and sent to Mr. XXXX. Was advised to try XXXX. Tried but the card rejected. Received a call from my bank asking if I had called them ( added that the person called had a heavy accent. Advised no, and a hold was put on my account, adding that I need to personally go to the bank in order for it to be released. 
About to go, but, I want to withdraw the remaining balance of {$950.00} and send back. Also, will advise that will not accept the loan. If good, then will know that the company is okay. If not, then I will know that there is a problem with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kohn Law firm started calling and mailing me letters back in XXXX. In XXXX of XXXX, I was sent legal paperwork that I had lost a case and a judgement had been put against me. in addition i needed to talk with kohn law firm to make payments on this debt. I agreed to payments of  about XXXX a month for about 19 months to pay off the bill in full. 
I just checked my credit it hopes it had gone up since i was making monthly payments and instead of seeing the debt go down they increased it by XXXX dollars causing my XXXX  credit score to go down my 33 points. 
I then called kohn law firm and spoke to a very pretentious woman who told me that they don't report anything until it is paid off and then a guy  named XXXX who was a bit nicer who told me they report all of the payments and that the I needed to talk with XXXX XXXX and not kohn law firm. due note since kohn law firm has the file XXXX XXXX  will not talk to me. 
They have documentation of all payments that they can provide but for me to get that they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX. I am writing this complaint regarding Equifax. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.

Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Phoenix Financial Services makes repeated calls to my cell, does not leave a message, only lets it ring maybe two times and hangs up. When  I finally got the chance to answer a guy named XXXX didn't read the mini miranda just went right in to threating me to pay a medical debt I wasn't aware I even owed. Then when I asked for documentation he told me that we are way passed that point and I need to get real about paying my debt. When I asked to resubmit it to my insurance company which I've maintained for over 5 years now he threated me about paying again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX transunion cra violation inaccurate information sent my police report what else do they want

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 2018-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been reporting on my credit reports for several months. I have tried to dispute matter with them several times and have not had any luck. Not only is this company NOT LICENSED in the state of Michigan ( see attached ) but at the time they say the debt occurred I was a minor. They have been illegally reporting delinquent information to the credit bureaus, I am asking for all info to be deleted. i do not have a signed contract nor any contract with Portfolio Recovery A. I have never done business with this company and no validation has been received by the credit bureaus as proof of this.Again this company is not licensed to collect in the state of Michigan. I have researched this and provided proof to them as well as attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: ProCollect, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last XXXX I requested that accounts that do not belong incorrectly reported in XXXX, XXXX and XXXX be removed from my reports. To date, this situation has not been resolved, making it impossible to acquire credit

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 2018-02-25
Company: EQUIFAX, 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:
on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a two family loan and a home loan with PHH Mortgage XXXX. 
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was  delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.

Company response to consumer: Closed with explanation