BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2019-04-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2019 my PayPal account was illegally accessed by an unknown fraudster. The fraudster initiated a electronic transfer from my primary bank account to my PayPal account for an amount of {$1000.00}. I became aware of the fraud when I attempted to use my debit card. I contacted Paypal to report the fraud and received confirmation from Paypal, same day as it was reported, that the fraud was confirmed and the transaction would be cancelled. However, on XX/XX/XXXX Paypal notified me that the {$1000.00} transfer was successful and funds were available in my Paypal account. To prevent further fraud, I immedately initiated a xfr of the {$1000.00} from my Paypal account to my bank account. Paypal activity reflects this transaction was processed on XX/XX/XXXX. 

In XXXX, I attempted to close my Paypal account following the sucessful fraud but Paypal had locked down my account which prevented my intended action of account closure. My account was locked down so that I could not initiate any transactions in or out of my Paypal account, can not close my account, or take any other action other than to take steps for verify my account. I have completed each of those steps and I am in the process of waiting for ACH transactions to post to my bank account to finish the verification. As of the date of this complaint those transactions have still not posted. 

After all of this, I received a notice from XXXX XXXX, XXXX, a collection agency, stating that Paypal has placed my account with them for collections in the amount of {$1000.00}. I never received a single late notice or delinquency notice from Paypal, either in writing or electronically. Also, even if I was aware and prepared to pay the so called delinquent balance, Paypal prevented me from doing so until they process the trial transactions as part of the account verification step.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
on all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies will not remove these items.

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 2018-04-25
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Commonwealth Financial Systems, 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:
. They keep on putting this account on my credit report they called many times, the man was rude and kept on calling after many letters finally they removed from my credit report, and now it's there again .please remove this item. 

To attempt to collect the debt on which the creditor can not show a contract or an underlying basis would violate the Fair Debt Collection Practices Act,. 
Specifically, section of the FDCPA : Unfair practices [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: MarkOne Holdings, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Mark one financial contacted friends and family members of mine and I know that it's against the law to get repeated calls back to back or even giving out personal information without proper verification. This company embarrassed me for telling people they're going to take my car away if I don't pay.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2019-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I do not know or recognize this debt, ive made attempts to resolve and identify it and those have all failed. I want this to stop and be removed from my report as the information is inaccurate and defamatory and I feel threatened by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company refused Police Report and Identity Theft Report on several occasion dating back to XXXX to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.

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 2017-12-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, Experian, XXXX ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on 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 2019-04-13
Company: Optio Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX and XXXX that the collection agency by the name of XXXX XXXX XXXX  added a file to my credit report. I initially disputed it on XX/XX/XXXX as fraudulent due to the fact that I am not aware of this company nor have I ever signed a contract and/or account with this company. To no avail they did nothing. Fast forward to XXXX, I have researched and revealed that this company is not bonded in the state of Alabama to collect debts owed or otherwise. It is illegal to collect a debt if the company is not registered with the Alabama Secretary of State. This company is not in Alabama 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We successfully short sold our home in XXXX of XXXX. The process was easy and fast. Everything was done flawlessely or so we thought. Seterus has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over XXXX delinquent. I have reached out to Seterus several times to have this corrected. They have yet to do so. It is almost XXXX full years later and they need to be held accountable now.

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 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage from Bank of America for my home. I purchased home ( in XX/XX/XXXX ) of {$200000.00}. I took mortgage of {$180000.00} ( 11 % ). Thus, I have PMI insurance on mortgage. My current principal balance on mortgage is {$150000.00} which is 74.6 % LTV ratio. When I called Bofa for first time to request cancel PMI ( principal balance {$160000.00} ) they told me my LTV ratio of mortgage need to be lower than 78 % and I need to do home valuation report but if I have principal balance less then 75 % then I don't need home valuation. At that time my LTV ratio was 78.28 %. Thus, I deposit more money towards principal and I request again for canceling my PMI at {$150000.00} ( principal balance ) which is 74.6 % LTV ratio.

At this time, Bofa stating they can not cancel my PMI until XX/XX/XXXX year because that was the date loan supposed to be at 78 % according to amortization schedule. According to Federal law I am eligible to cancel my PMI, once it is less then 78 %. I have continuously make regular payment and deposit more each month towards principal. It's becoming racket by Bofa. Each time I am getting different response by Bofa to decline my request.

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 2017-11-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This DCI is trying to collect on a debt that is fours years old which belongs to XXXX XXXX XXXX XXXX. I talk to XXXX XXXX XXXX an the debt was paid as a result of a chargeoff. I complained to XXXX XXXX XXXX about there services which I found unsatisfactory and refused to pay due due to there services and call center which did not let me disconnect services. I tried to pay half of the bill but due to my unsatisfactory view was told it would be chargedoff. My credit does not show XXXX XXXX XXXX but DCi filed like if I had an account with them. I did not give permission to XXXX XXXX XXXX to sell my account to DCI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
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:
I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. DPT ED/XXXX, U S DEPT OF EDXXXX, XXXX, US DEP ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. 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 non-monetary relief
Consumer complaint received 2019-04-13
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: Their investigation did not fix an error on your report

Complaint:
My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.

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 2017-12-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX  XXXX XXXX

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 2017-11-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Prizm Financial Company, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Made payment arraignments on XXXX/XXXX/XXXX for XXXX to be made on XXXX/XXXX/XXXX spoke with XXXX XXXX he was very rude and nasty towards me. I made my payment on XXXX/XXXX/XXXX and on Sunday XXXX/XXXX/XXXX the took my car saying they did not see the arrangements in the system. On Monday XXXX/XXXX/XXXX I spoke with XXXX XXXX and she told me in her own words she sent out a email to stop the repo but it did not get to the person it was supposed to get too. I lost my new job due to not having my car on Monday XXXX/XXXX/XXXX. it was not returned to me until late afternoon on XXXX/XXXX/XXXX by that time it was too late for me to retain my job. This was totally out of line on this companies behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.

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 2018-03-22
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company named has not provided any proof that I have a obligation with them or have done business with them. And have been reporting wrong info on my credit reports which i would like to have removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX in attempt to collect a debt disclosed personal information about my health which is protected under XXXX. After the said violation, they provided information to a third party Credit Bureau of Bessemer. When I wrote them, they sent me a copy of the medical information which is protected under HIPPA. I notified them of said violation at which point they retained XXXX XXXX a law firm located in XXXX, Alabama. I contacted XXXX XXXX 's attorney of Record who is handling this issue XXXX XXXX XXXX via fax, email, and phone to no avail as she sent a letter stating that my HIPPA rights were not violated via their client 's collection practices. I informed her that the information sent to me to validate my debt was indeed a violation of my HIPPA rights. Once in receipt of said information, I got no further response nor even an acknowledgment of receipt. I was then sent a follow-up collection letter by their client XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation