BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: OR
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX Company Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, Nordstrom/TD Bank USA, and XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Allegiant Capital Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by this company named Allegiant Capital Recovery Services, LLC on XX/XX/2020. They left a voicemail and I called the number back to find out who they were. I found out who they were and was speaking to an Employee by the name of Faith. Faith told me what the debt was about and I said I never received any communication from the credit card company or the Allegiant. I asked Faith on the phone to please send me proof of the debt via United States Post Office mail. She said they do not use the post office in the state of NY because of covid. She said the XXXX doesn't operate in New York. I did laugh at her and tried to ask several more times for her to send one to me by mail and she kept stating that's not how this works. I asked to speak with someone else and kept getting the same answer ( that's not how this works ). I also asked her to correct my mailing address because the one she read to me is incorrect ; its missing my lot # XXXX. The lot number is missing on the letter she sent me via email as well. I have not received anything via mail from either the credit card company or this shady Allegiant Capital Recovery Services, llc.. I said to her several times I would pay the debt if it can be validated by a simple letter, and that I wanted to speak with someone else also. She kept insisting I speak with her only and the debt was true and correct. 

I hope someone can help me with this issue. If you need more info please feel free to give me a call/text or email anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$400.00} from new York on XXXX XX/XX/2019 to my first bank account in XXXX through money gram since the company claim that the can send money to your account directly. Unfortunately for me the money was not delivered to my account till now. This money was meant to pay for a deposit in the hospital so that the doctor can attend to my uncle who was sick over there. I have called moneygram several time to resolve the mater and I keep on getting the same response. The always tell me to call back in two to four business day that the bank in XXXX has not gotten back to them. I keep on getting the answer any time i called and I decided to call the first bank head office in XXXX. Only for them to tell me that no one contacted them. The suggest to me to ask money gram which email or number the contacted but money gram refuse to disclose that to me. I am frustrated and I think money gram shouldn't operate in XXXX if so much complain continues. 
Please I want CFPB to help me recover my money because is not yet deposited in my account and mony gram still have the money in their possession.. 
Thank you for anticipated cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my credit report. I noticed there were items on my report that wasn't mine. I immediately started a dispute with each credit bureau and the debt collection company XXXX. The item a XXXX bill was taken off of all of my reports, just to reappear under a different collection agency. I then sent a verification letter to the new collection agency Diversified Consaltants asking for verification and all I received was a statement, no SSN or and other legal verification and all they did was update to info on my credit report. I'm more than sure this is not enough to verify a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
The agency is listing the same account on my credit reports multiple times, double jeopardy. It's the same account and they are changing the amount owed by XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
None of the options fit my complaint. I contacted Medical Data Systems regarding a medical debt with XXXX XXXX XXXX Hospital. I arranged payment in full with the understanding that this would be removed off my credit. The account is still showing on my credit report with a XXXX  balance. When I called back and spoke with my representative, XXXX, she told me she is not able to remove the debt since they do not buy the debt but work for the hospital. I called the hospital and was informed they sold the debt and Medical Data Systems would need to submit the deletion letter. 

Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( 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 2018-07-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Brclysbankd XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-07-02
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I receive direct deposit benefits for unemployment each week from the Federal Government and State Authorities. I did not receive my unemployment benefits from Paypal even though the payment was sent to them from both the State and Federal Government on Tuesday, XX/XX/2020. I receive an amount of {$46.00} from the State each week for unemployment, and a total of {$500.00} a week for Federal Pandemic Unemployment Compensation. only received {$46.00} for the work week ending in XX/XX/2020, and I did not receive the allotted amount of {$500.00} that is necessary and vital in this state of emergency that I am in.I have reached out to PayPal on numerous occasions, only to be greeted with an automated response saying that no representatives can assist with this call every time I call them. I also attempt texting them with information in regards to why I havent received this deposit, and they wont address the issue and never give me an answer on why the funds are not available in the PayPal account, even though they were paid by both the State and Federal Government in lieu of the Federal Pandemic Unemployment Compensation Act, as I personally did not receive the allotted {$500.00} for the work week ending on XX/XX/2020. I have attached the necessary documents showing that the amounts of {$500.00} and also {$46.00} being sent to my PayPal account via direct deposit, as of XX/XX/2020, but the {$500.00} is not posted anywhere to my account. Have waited the allotted period in order to rectify this matter, only to be instructed that no PayPal Representatives van assist me with this matter. I have to survive during this Pandemic, and I need to have access to all of my necessary funds. I feel as if a fraudulent act has been committed, and I need answers to why the direct deposit amount of {$500.00} is not showing in my PayPal account, even though it is showing as submitted as a direct deposit of {$500.00} on XX/XX/2020. This being done so, is negligence on behalf of PayPal, and this situation needs to be addressed immediately, as this is my means of survival during this Pandemic. I have attached both my recent PayPal account history and also my direct deposit statement indicating the dates for which my direct deposits were submitted for credits to the respective PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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 fraud alerts or security freezes

Complaint:
I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for Experian and XXXX besides the companies which I spoke with explaining my situation.

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 2018-05-18
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage with Greentree servicing had a monthly late fee that was {$5.00} and imposed after a 5day grace period. Ditech financial bought the loan and I was told yesterday that same fee would be {$65.00} per month applied one day after the payment due date with no grace period. This is a breach of my original contract that I signed with Greentree servicing and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Activate Financial in XX/XX/2021 advising of a debt owed from the original creditor, XXXX XXXX. I responded to the letter within the required 30 days and requested that the company validate the debt. My letter requesting validation was received by Activate Financial on XX/XX/2021 via USPS tracking number XXXX. The company did NOT validate the debt. There was no response to my letter. The company just recently mailed me a settlement letter dated XX/XX/2021. My validation request letter clearly stated that if the company does not validate the debt within 30 days, then all attempts to collect the debt must cease. The settlement letter is against the Fair Debt Collections Practices Act as the company did NOT validate the debt within the required 30 days from when they received validation request letter on XX/XX/2021. I am filing this complaint with the CFPB. I am also pursing the issue legally with an attorney. Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have seen multiple credit inquiries on my Transunion and XXXX credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.

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: Valentine and Kebartas, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been frequently called regarding a debt address to an individual by the name of XXXX XXXX over the last several months starting in XXXX. I have called back several times to disclose to Valentine & Kebartas that I am not the individual whom they are calling about. They often use spoofed local numbers to bypass my scam call detector from XXXX. The frequency which they call me is every two weeks on Monday. To date they have not removed my number despite my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-12-17
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX reported judgment against me for a debt that does not belong to me. I have no idea what kind of company is this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my credit report I noticed several discrepancies, A collection agency Named XXXX XXXX was on the report with a XXXX debt. I immediately contacted all 3 Credit bureaus and started a dispute. It was after 3 attempts that it was taken off of my XXXX report and my XXXX   report, but not my XXXX report. I contacted XXXX  again and asked for all documents that was provided to verify this debt. I was told by a representative that, and I quote .They rely on the creditor to investigate, and if they say I owe a million dollars, then thats what i owe. Can you you imagine being told that from people who are in charge of you credit? No proof has been sent to me at all. They end result was, verified without any proof sent to me, and it was updated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation