BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NC
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:
companies are unlawfully sharing and displaying my private information without my authorization. attached.

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018, I received a hard credit inquiry from XXXX which has affected my credit score. I called the credit reporting agency ( Transunion ) and they informed me that I will need to get documentation from XXXX. After an hour waiting, I spoke with someone from XXXX and they said I would need to speak with Transunion to start the dispute process. I called Transunion back and they refuse to do anything without documentation. Both parties refuse to fix this hard inquiry that I did not authorize and I am currently left with no recourse.

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 2018-10-19
Company: GOLD KEY CREDIT, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have documentation that providers at XXXX XXXX were paid for Emergency room visit Date of Service XX/XX/2017 on XX/XX/XXXX. Please review page 2. Provider has a contract with XXXX XXXX XXXX when they are in-Network provider. Because XXXX XXXX are in network, they are allow to Bill for services per contracted amount. XXXX XXXX recently notified XXXX and XXXX through Gold Key that debt has not been satisfied despite not only being reimbursed per contracted amount, but also violating provision of contract with XXXX XXXX. 

This constitutes unfair debt collection practices as debt collection practices by XXXX XXXX and Gold Key ; who are deliberately utilizing defamatory, unfair, malicious, cruel, and predatory to collect monies that theyve already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2019 I cancelled a transaction on Paypal and authorized a refund. On the same day, Paypal received {$580.00} from me. All of this is confirmed in Paypal 's own records. Paypal never sent the refund, and kept the money instead. I have spent more than a year trying to get Paypal to deal with this. I have spent over a year with Paypal stalling, ignoring, insulting and lying to me. They always claim ignorance and claim they can't find anything in the records about it, until I show them Paypal 's own records which confirm everything I have said. Then the wild lies start. They claim a wide variety of conflicting things, including a claim that Paypal actually has " secret '' records which are the true records, and the records provided to the customers are all false. My personal favorite lie was when the Paypal representative said they hadn't sent the refund because the person to receive the refund has " insufficient funds '' in his account ... huh? How much does he have to have in his account to receive money from me?? And the representative still didn't seem to think Paypal would need to return the money to me in that case. The point is : Paypal will take your money, and keep it. And then refuse to return it ... no matter how much proof there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Exeter Finance Corp.
State: FL
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:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( EXETER FINANCE LLC/XXXX XXXX company. I requested that they send me the written " Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score.

15 USC 1681b states that written Permissible Purposes must be given by the consumer and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Transaction ending in XXXX on a credit card debt to XXXX XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX Account was sold to XXXX XXXX XXXX. I have been disputing this debt with the credit bureau in attempts of getting this off of my credit report. I finished paying the settlement over a year ago. I have also tried to get this resolved with the credit agency trying to collect the already pain debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
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 status incorrect

Complaint:
CHEXSYSTEMS IS A XXXX XXXX, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

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 2021-02-18
Company: EQUIFAX, 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac Mortgage has {$3400.00} in excess Escrow which they received as a part of XXXX XXXX XXXX tax payment which has already been made. I have contacted them 5 times asking for sending me refund. They twice told me that Refund would be sent yet no refund is being sent. 

Last communication I had was on Friday XX/XX/2020 with their customer service manager/supervisor XXXX who also gave me her direct phone number XXXX X XXXX. She assured me that check for {$3400.00} will be sent on Tuesday XX/XX/2020 and she will personally follow up with me by giving me a phone call. 

NO CHECK HAS BEEN RECIEVED till today XX/XX/2020 and I have not heard from XXXX during since then. I have tried to call her 3 times and left voicemail each time with no response. Her number is correct but she or anyone from PennyMac doesn't call back. I am out {$3400.00} which they wouldn't refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio recovery XXXX ( XXXX ) XXXX keeps calling on weekends, after normal business hours ( around XXXX during week day ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CT
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXXXXXX XXXX XXXX that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for XXXX years

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 2021-02-18
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI keeps calling me about a debt it claims that I owe. I do not owe AFNI any money for any debt to AFNI or any other debt collection agency. Just this past month, AFNI reported this nonexistent debt to my three credit reporting agencies, and my XXXX score tumbled by 35 points. I've disputed AFNI 's claim with all 3 credit reporting agencies, but I want to report it to CFPB to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Amsher Collection Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amsher Collection Services for amount of {$1400.00}. I have sent Amsher Collection Services a debt validation and Amsher Collection Services has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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 concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that HYUNDAI FINANCE performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 
3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.

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 2023-05-07
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 had an old utility bill which was purchased by a collection agency and they reported that the account was opened in XXXX of XXXX when this debt was from XXXX years ago. If this debt was based off the original date then this item should be removed from my credit report as it is over 6 years old.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: TN
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:
This Company XXXX XXXX XXXX is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap

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 2023-05-23
Company: EQUIFAX, INC.
State: CO
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Personal information incorrect

Complaint:
Personal information is inaccurate

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 2019-03-28
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 information incorrect

Complaint:
I SEND A CERTIFIED LETTER TO XXXX ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME

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 2021-12-08
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I spoke with Target in XXXX XXXX XXXX. In the recorded conversation I requested to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 

I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and Target did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Collection Center Inc
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Centers Inc. refuses to report correctly when payments are made and have made several attempts to collect on medical debts that don't belong to me or my husband. 
I made arrangements for wage assignment for one that do belong to us and they have collected from every paycheck since XXXX but are not reporting to credit bureaus as paid under wage assignment its listed as 1 debt but on my credit report there are several. They need to report the correct balances. I have called several times asking if payments have been received and asked they report these payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Shellpoint Partners, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I accessed my account at Newrez over the internet. The Newrez page asked me to update my password, which I did. I then made an extra principal payment. I logged out and logged back in to look at my payment history. I then noticed that the name on my page had been changed from my name to a name I did not recognize : " XXXX XXXX. '' I logged out, restarted my computer, and tried to log in again, but the page said I had the wrong password. I tried to update the password, but was unable to do so. 

I then tried to call Newrez, but I got a recording saying the number could not be reached from my calling area ( I am in XXXX XXXX ). 

Finally, I asked my brother-in-law to call for me from California. He was able to do that and put me on a conference call with Newrez. I explained the situation to them and they promised to help within 48 hours, but they have not done so. 
Currently, I am locked out of my account, and Newrez will not help me. I have reached them twice by having other people patch me through, and they promise to send me links via email, but I have not received anything. This is a very serious situation for us because this is our mortgage holder and there is a different name appearing on our account, and we can not get Newrez to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was monitoring my credit report the past week when a collection report showed up on my credit report of an unknown company I've never heard of, to look into that I reached out to the credit companies to find out it was a utility company based in Texas called XXXX. They tried to collect a bill by my name on their account which I believe my identity is stolen because I live in Oregon and have never live in the state of Texas and do not know anyone living in that state. Therefore my credit is currently damaged by this collection. I've reached out to XXXX and a customer service has insist I file a police report and also report on XXXX which I am doing now.

Company response to consumer: Closed with explanation