BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: Mediation Recovery Center
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from a Company called Mediation Recovery Center that says that I owe a debt of {$920.00} and I can have a balance reduction of {$190.00}, and that I have until XX/XX/XXXX to pay off this debt. I asked them what Company I supposed to owe, and was told that the debt was with XXXX XXXX Master Card, and that the account was opened in XX/XX/XXXX, and the last amount paid on this card was on XX/XX/XXXX which is 12 years ago, and around that time I didn't have a credit card for XXXX XXXX. The letter states that the original creditor was XXXX acct # ( XXXX ), and when I called XXXX XXXX about this, they state that there is no account for me at that bank with this acct # under my name, and they can't find anything under my name with that bank around XX/XX/XXXX or any other time. The letter was dated XX/XX/XXXX which looks very strange, and when I called they didn't tell me that " This is an attempt to collect a debt, '' like all other Companies do when you owe a debt to a Company. I told them I wanted to look into it after I told them I would check it out, so they cancelled the payment I was suppose to make and I even made sure the amount wouldn't come out from my Bank, and they are harassing me by calling me telling me I have until XX/XX/XXXX over the phone. I believe this is a SCAM, and I hope you can help me, and have these people STOP calling me, for something I don't owe, or ever owed. I was also told by them that they found me by looking me up on my Credit Report XXXX to get my address to pay this amount. I believe it also might be Identity Theft, and trying to get me to pay for something I don't believe I owe. XXXX XXXX ( account manager ) is who the letter is from. I even asked for him and I was told he wasn't there, that they handle everything. SCAM ... .. 
Please STOP them. 

Thank You. 

XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent PORTFOLIO RECOVERY ASSOCIATES another letter asking for documentation and statements regarding this alleged debt of XXXX that i do not owe.I haven't received or heard anything as of yet.I also attached a copy below for your assistance to help me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was enrolled in the equity accelerator program, and Paymap was deducting bi-weekly payments from my account. I am just learning about their deceptive practices and was wondering how I can recoup the fees that I was paying. 

My mortgage is with XXXX. I called them about an issue with my recent mortgage payment and they let me know that this accelerator program ( now XXXX  ) was through a third party. All along I thought it was through them. 

Please let me know what options are available. I have learned that One company was ordered to repay {$33.00} million to consumers who were deceived by a program promising thousands in savings on interest. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

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 2018-05-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo Dealer Service has charged me an interest rate of 15.999 % on a used vehicle that was purchased in XX/XX/XXXX. When asked to refinance in XX/XX/XXXX, I was denied. I asked for the money to go towards the loan and not the interest rate, in attempt to make my {$290.00} payment of a XXXX XXXX XXXX base a little lower since I was also a XXXX XXXX XXXX XXXX, I was denied the option to put the money towards the base and not the interest. When I spoke to a representative about six months ago from Wells Fargo, I was told I would be able to pay it off with a settlement of about {$6000.00}. When I called back today, I was told that there was not settlement option and then that information was changed to a little of {$7000.00} for a settlement. The numbers provided to me during my phone conversation today were not accurate. When stated the previous conversation and the numbers were wrong, I was put on hold and nobody came back to the line. I will be calling again tomorrow but it is ridiculous how they have handled this situation, the ridiculously high interest rate, the fact they would not let me refinance after a year, and the confusion with numbers and data of my account is astonishing and crook like.

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 2021-05-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: AZ
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:
I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH 2017.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS XXXXXXXX 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 2019-09-27
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'XXXX XXXX XXXX XXXX, and the Balance is {$56.00}. The Original Creditor is 'XXXX   XXXX XXXX XXXX XXXX '. 

After the communication with 'XXXX  XXXX XXXX XXXX, they told me that the bill was from XXXX XXXX XXXX They also showed me the billing statement from XXXX XXXX. That statement was for a home insurance policy ( XXXX ). 

However I never bought the home insurance from XXXX XXXX. I did ask about the home insurance of XXXX XXXX in XXXX on the phone, but I never agreed to buy it because it didn't fulfill the requirement of the mortgage lender. I never signed any contract/agreement with them to buy the home insurance. I don't have any homeowner insurance contract with XXXX XXXX at all! 

I filed a disputation with Equifax on XX/XX/XXXX. After a long time waiting, I received their investigation result on XX/XX/XXXX. The result is really disappointing, they said the collection account belongs to me! But Equfax didn't provide any evidence/document to show why did they thought this collection account belongs to me! 

I am very surprised with the investigation result from Equifax. I also filed the same disputation with XXXX and XXXX, both of them also made investigation and finally removed that collection record from my credit report. 

The collection information on my credit report has hurt my credit score severely. Equifax must remove that collection information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I dont undrrdnad the PayPal credit option is always declining me due to identity verification and this bank wont hekl me to get veifief and approved

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 2020-01-12
Company: SECURITY FINANCE CORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I've had this loan for almost a year. Each time I've been given the loan in going over the paperwork there are sections you sign off on for the insurances you get with the loan. I've always marked all the boxes because the lady going over it with me goes over each one.  The last time I renewed my loan the lady was incredibly mean and did not take the time to go over everything with me. I was laid of of work on XX/XX/2019 and for the first time had to file unemployment. When I called to let this company know that I will need to file a claim, the lady who answered said I did not get the unemployment insurance and would not be able to file a claim. I explained my side of it and she said do you have your paperwork which I did not get copies of. This loan was based off of my pay before I lost my job.

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 2018-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX XXXX  never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims

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 2018-05-17
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received a message from a credit monitoring program to which I belong. The notification said that The Waypoint Resource Group in XXXX, Texas has put us in collection for an apparent {$76.00} debt. Neither my wife nor I know anything about this debt. This notification from XXXX and XXXX are the first notification we have of this alleged debt. We have no idea what it is for or what it is about. We tried to contact but I could not reach a person and I am afraid that the company might be a scam company. The phone was answered by a computer generated voice and wanted me to put my information in over the phone so they could find my account. I do not want to give any information to anyone unless I know who I am speaking with. We have not had any bill collectors calling us and to the absolute best of our knowledge, neither my wife nor I know of any money we owe to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is denying me access to do my disputes on line. I have submitted all accurate personal information and they keep saying that the information does not match their records. I have initiated a lawsuit as they are breaking the law by not allowing me access to submit my dispute of fraudulent information on my credit report. Due to this denial, I have been denied credit and have sustained XXXX   XXXX. Equifax was breached and my information was compromised and they are barring me from submitting my disputes. I am entitled to have fraudulent information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfilio Recovery has continued to call my job several times a week after I explained I can not take personal calls at my job since I work the switchboard - they now have started Robo calling my employer the recording says it is an attempt to locate me. They have been told not to call here but the rob calls continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: Experian Information Solutions Inc.
State: WA
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:
There are many mistakes appear in my report without my understanding.

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 2021-06-07
Company: Kashable LLC
State: MI
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:
I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671  days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in contact with Cardinal Financial since receiving a notice on XX/XX/XXXX that my taxes were delinquent. I have called numerous times, from XX/XX/XXXX through XX/XX/XXXX, with no resolution. I was told numerous things including : we also received the delinquent tax notice, I am showing that your taxes were paid, they are still working on it, I am escalating your request, You should have confirmation in 24-48 hours, and You will hear from a manager within 5 business days. 

None of these statements were accurate nor true. They were meant to get me off the phone as quickly as possible. I have talked to supervisors and left messages for their supervisors to no avail. 

I called the delinquent tax collector for my school and they have not received a request for payment of taxes on my behalf. 

I have the dates and times and the people I talked to if they are required. 

If I wait for Cardinal Financial to resolve this I will have to buy my home back at Sheriff 's sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today I tried to reach out to customer service for well over an hour and a half.I was connected to two different people, none of which were able to help. Anytime I need to contact my mortgage servicer, I get a runaround and no answers because I'm always sent to the wrong place. I would like to know when/how to remove the PMI.

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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-27
Company: Paypal Holdings, Inc
State: IL
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 has been holding a total of {$110.00} in my account on reserve since XXXX of 2017. 

They will not release my money. 

They made unreasonable requests for me to submit " business documents '' to them to get my money released. I explained that I am not operating a business. 

At one point they indicated that they had set a minimum reserve on my account for over {>= $1,000,000} USD which is absurd and unreasonable. 

I attempted to close my account and they declined my request. 

There is no reason at all for my money to be held XXXX by this company for nearly 24 months without any valid explanation whatsoever.

Company response to consumer: Closed with non-monetary relief