BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the months of XXXX to XXXX of 2022, my checking account has been froze on many occurrences due to sending money by using XXXX. As I called the bank and told them I used XXXX a lot to send money and there is no suspicious transactions that they should be worried about, they continue to keep freezing my account whenever I use XXXX through Discover bank. I have talked to so many customer service representatives and the supervisor, they all said that this is for security purposes even if clarify with them all the XXXX transactions are legitimate. Just last week Discover bank froze my account again, I had set up payment toward my credit card, and that caused the payment to be returned even though I have sufficient funds in my checking account. Indirectly, my credit card has closed all my accounts due to the returned payment and over credit limit. The freeze from Discover bank has caused me so many problems with other institutions and nothing can be solved unless I call in to unfroze the account for XXXX transactions but this event last week has caused a lot of stress as my credit score will now be negatively effected. Why is there no call to me prior to freezing or closing my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: DE
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. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.

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 2021-07-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is refusing to remove fraudulent inquiries after numerous attempts to get them taken off. I submitted serval disputes. I have faxed a FTC identity theft report, I have faxed a detail letter requesting the removal. I also faxed a copy of my driver license and social security card to validate my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i sold a home at XXXX, mi. in XXXX of XXXX i had XXXX $ in an escrow account and was to be refunded this within 60 days. i have called both freedom mortgage as well as their emissary XXXX. i have not only gotten the runaround with both accusing the other, but have not received my money. i am a XXXX veteran who borrowed on a VA loan.

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 2023-04-26
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have attempted to close my PayPal account via online help, telephonic customer service and email. PayPal insists, before they will close my account, that I first provide more personal information that I am comfortable providing. Additional information requested includes photo ID ( e.g., Drivers License ), billing statements, proof of address, and allowance to make small charges on my associated credit cards. As this is personal information that was not required to open the account, I do not wish to be held hostage for such information to close the account. They suggest I leave the account open, but I am concerned that leaving such an account open that I no longer wish to use subjects me to undue exposure to fraudulent use of the account. Additionally, I am uncomfortable providing a third party with information that can further expose my personal information ( e.g., Drivers License number ) to hacking and fraudulent access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair credit reporting Act LAW OFFICE XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights 15. U.S.C 1681 Section 602 A Section states I have the right to privacy 15. U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
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: Personal information incorrect

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some wrong information from my report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: United Resource Systems, 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 has taken the debt companies explanation of terms and conditions of a XXXX  office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX  review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full. After an accident in XX/XX/2019, XXXX indurance paid off the value of the car. The Gap insurance paid off the balance to close out the account. I notified Ally Financial in writing that Gap Total Warranty agreed to pay off the entire balance. After confirmation from Gap total warranty I get a bill from Ally Financial that they are charging me an additional {$210.00} for???? The claim was settled and paid weeks ago.

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 2023-04-26
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXX XXXX  XXXX Balance : -.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
- purchased sofa and loveseat on store. credit card. Found som accessories which was a separate purchase utilizing a debt card Since the furniture was on back order the accessories were ordered and scheduled to arrive the same time as the furniture since there was only one in stock. When I picked up the accessories I noticed the paid in full accessories were charged to my new credit card and the payment for the items was used as a payment after I brought it to their attention. This clandestine act makes the items that were paid in full an interest bearing purchase. Tried 5 times to get this fixed to no avail. They would not take the items back nor would they adjust the bill.

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 monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX 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 2022-01-10
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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Transfinancial Companies, Inc
State: LA
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/2020 I mailed a letter requesting that my debt with Transfinancial Companies be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account. 
The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Consumer Finance Protection Bureau. Mortgage complaint I have been overcharged {$96000.00} by SN Servicing, XXXX XXXX XXXX, XXXX, Ca. XXXX. 
I am a XXXX XXXX 

My accounting history is ATTACHED. The SN CEO, XXXX XXXX XXXX XXXX, XXXX XXXX and others REFUSE to have good faith discussions with me. 

I did a Qualified Written Request under the Real Estate Settlement Procedures Act and SN Servicing did not cooperate. 

I appealed this to the XXXX XXXX XXXX and the XXXX XXXX. The XXXX XXXX has marked this situation as SN Servicing being uncooperative ( notice ATTACHED ).

SN Servicing have bullied me by returning my mortgage payment check and putting me into foreclosure, even though I make all my payments on time. They are robbing me and silencing me. 

Please investigate this violation of my consumer rights. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was never provided any written statements in regards to any medical  debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXXXXXXpaid in full XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 2019-08-29
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon using my rights to check my credit reports, I discovered Midland Funding LLC, on my reports saying that I " owe '' them a debt. I have no records of this invalid debt, because I have never done business with this company. I researched the company and MidLand Funding LLC doesn't even have a license to collect in the state of Tennessee. 

On their website, it says they are also known as " Midland Credit Management '' for debt collection. These are two sides of the same coin, but the account in question is tied to the unlicensed Midland Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: Avant Credit Corporation
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX, and XXXX XXXX I attempted to make online payments for my account, in the amount of XXXX. I kept getting a system error. At that time I called and scheduled for the payment of {$82.00} to be processed on XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a payment that was then 30 days past due, as care credit did not process the payment that they were authorized to do on the XXXX. I was able to get on and make the payment at that time. On XX/XX/XXXX I called 3 different numbers, and was transferred to 6 different departments regarding this issue. No one in any of these 6 departments seemed to understand how to correct the error, and bounced me around for 2 hours claiming that it was another department that could correct the error. On the final call, the representative stated that they could open a complaint, and they saw where the error had occurred, but they didn't know who could fix it at this time. The numbers that I was given were XXXX, XXXX, XXXX ( not even the correct company ), and XXXX. The representative I spoke with last tried telling me to call yet another number, but I explained that would not be happening and to check my account before disconnecting me again.

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