BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the XXXX validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided XXXX within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: First Data Corporation
State: MS
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 XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had a installment loan from Regions Bank account number XXXX I was paying on time until XX/XX/XXXX when my daughter got hurt in hurricane Harvey let them know why I could n't make the payments then in XX/XX/XXXX I and the rest of my family had our house distroyed do to hurricane Irma. Called and explained that regions bank took the little bit of money I had in my checking account without my permission and applied it to the loan then reported it as late with the credit bureau 's and closed the loan out so I could n't borrow any more on it they have gone in and taken 5 payments out of my checking account even knowing I am struggling to get my feet back on the ground they did n't care about anything but their money

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 2018-01-10
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: Account status incorrect

Complaint:
I have disputed a account on my credit report which is a XXXX card that Experian is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. Experian will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Experian Address is XXXX. XXXX XXXX XXXX, TX 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 2018-01-10
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debit was deleted by previous collect due to them being unable to verify debt. Now it looks as tho they have sold debit to another third party reappearing as a new collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Due to the XXXX data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX ) 10 ) XXXX   XXXX ( XXXX ) 11 ) 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 2017-09-25
Company: Paypal Holdings, Inc
State: NV
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 been trying since XXXX XXXX to close my XXXX husband 's PayPal account. I was informed he has a balance of {$690.00} in the account. I contacted PayPal Customer Service and was informed I needed to send documents ( i.e., XXXX XXXX, my driver 's license, document naming me as trustee/executor, etc. ) to FAX XXXX. I made several attempts to FAX these documents and when I followed up I was informed the documents had not been received. I wrote a letter in XXXX, XXXX describing all my efforts to FAX the documents. I only received another e-mail saying to FAX documents to XXXX. I also made a complaint to the Federal Trade Commission, Reference # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there is still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few account on my report. According to FCRA section 605b, the credit bureau is obliged to block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX Balance Owed : {$3000.00}

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 non-monetary relief
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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 have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on 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 2019-04-17
Company: WorldRemit Corp.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019, I used WorldRemit to send money internationally to XXXX WorldRemit 's website was seemingly very clear about all of the fees involved. The transaction went smoothly. However, when I received my credit card bill from XXXX ( statement for billing period XX/XX/19-XX/XX/19 ), I found I was charged a large fee for making a cash advance. 

When I made the transaction on WorldRemit, there was nothing to indicate that the transaction would be treated as a cash advance. I called XXXX to complain, and they told me that they had no control over the fee -- that the merchant ( WorldRemit ) submitted the transaction as a cash advance. I called WorldRemit to complain, and they told me that they had no control over the way in which the bank processed the transaction -- that they did not submit it as a cash advance, but that XXXX chose to process it as a cash advance. 

Since neither company accepts responsibility for the additional fee, I am considering both to be committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started dispute process in XX/XX/2019 with the bureaus, I've sent 2 disputes as of now, and also sent collection company direct notice for " Request for Validation, Not Verification '' on XX/XX/2019, and they still have failed to send all documentation outlined in my request to validate the account. 
All letters in the dispute process and the letter sent directly to the collection company was sent by certified mail, and I will attach the file mailed to them. 

Collection Company : PORTFOLIO RECOVERY ASSOCIATES, LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX secured card and I thought I messed up on the application so I redid the application.The first time I did the application I was approved, the second time was denied, I did not know doing the application over would give me a hard what ever it's called, the applications were to the same card, I was wondering if that could be reversed on my credit.Had I have known I did the application right the first time, I wouldn't have redone it.Please help

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 2017-09-25
Company: TRANSWORLD SYSTEMS INC
State: NH
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:
Transworld Systems Incorporated contacted me about an outstanding bill. My remaining balance on the bill was {$XXXX}. XXXX paid the remainder. I paid the outstanding balance yet a few days later the bill was on my credit report. I asked Transworld to mail me a receipt of the payment and they claimed it would take 30 days to get the receipt. I need the receipt sooner to get this note off of my XXXX report. I called back to complain and they said it would take 7-10 days. I 'm not sure what to believe ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. 

I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. 
Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/XXXX, 2018 I called our mortgage servicer, Select Portfolio Servicing at XXXX this morning and spoke XXXX minutes to a XXXX XXXX about the XXXX XXXX XXXX XXXX since we have a XXXX loan with them. 

I asked about the {$10000.00} reduction and how we could get it. I was advised we did not qualify and asked why and could I also get it in writing and was told we could not. 

I would also like to know why we have no equity in our home as we have been making monthly payments and there is hardly anything going to principle, all is going to interest, Current Balances Principal {$190000.00} Escrow {$750.00} Late Charges {$0.00} Total Fees {$0.00} Year-To-Date Balances View Last Year 's taxes and interest paid Principal Paid {$95.00} Interest Paid {$820.00} Taxes Paid {$0.00} Hazard Insurance Paid {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by XXXX, Transunion. I discovered 42 Errors on Each report. Which indicates that XXXX broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have  suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters XXXX  via Certified US Mail, inquiring about the loans reported to my TransUnion. They responded XX/XX/2019 Informing me that they have made any mistakes and that if I wanted further investigation I would have to provide more details. XX/XX/2019 I Received two letters from XXXX. One stating they were investigating the validity of my loan and sent me a copy of a promissory I wrote Transunion and XX/XX/XXXX but certified Us Mail With Retuned Receipts note with out my signature. The second letter once again said that have made no error on my report. This debt has been consolidated and should be only now reported by Dep of ed/XX/XX/XXXX XX/XX/XXXX. This account is 4 years past the 7 year mark. I have suffered great damages and injury due to their willful noncompliance.

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 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
As of XXXX XXXX XXXX is showing I have a balance of {$4900.00} on my credit report from Capitol one This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to Capitol one Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: National Credit Systems,Inc.
State: AZ
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:
In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The address I vacated was XXXX XXXX XXXX XXXX XXXX   XXXX XXXX AZ XXXX. The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. We gave our forwarding address to the management of XXXX XXXX   XXXX so that they could contact us if there were any problems. The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. XXXX XXXX XXXX was non responsive to any attempts at communication. XXXX XXXX XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit. 
XXXX XXXX  XXXX reported no forwarding address to the collection agency that was used, yet they had a forwarding address and never sent correspondence to that address or used any telecommunication or legitimate communications means to discuss the debt with any responsible party. 
My suggested resolution is to have the debt pulled from all credit reports and payment will be made with certified funds to XXXX XXXX XXXX within 30 days of receipt of credit correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is an update to my prior complaint number XXXX. I was advised today that XXXX from Ally Financial, who I have previously complained about has attempted to contact the pastor who married my wife and I on XX/XX/2017 and  contacted the woman who did my wife 's make up. He has contacted my old employer on too many occasions to put down in this complaint. He has also contacted my ex-wife, her family and all of my family members. I have no issue with him contacting me, but this is clearly harassment now and a violation of the law. He needs to be stopped or I will take legal action.

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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX  XXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference page 12 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-03-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?

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